Category: Our Commentary

Ask the Right Questions of Your Financial Advisor

If you want to achieve financial freedom by retirement age or earlier, you are going to have to invest a lot of money.  To invest successfully, you will need to spend the time learning how to invest or hand over at least a portion of the responsibility to a professional investment advisor.  Choosing an advisor […]

Make Retirement as Good as Advertised

The conversation surrounding the transition to retirement is often limited to its financial aspects.  While finances are certainly a big part of the retirement equation, other non-financial considerations should not be neglected.  For most, a job is more than just a means to a financial end, but something providing purpose and a sense of belonging […]

Make Better Use Of Your Cash

One of the biggest frustrations for savers over the past year is the reduction in the amount of interest they are receiving in checking and savings accounts.  While this is not a tremendous problem in and of itself, the recent concerns surrounding inflation exacerbate the problem when potential losses of purchasing power add to the […]

Combining A Roth IRA With An Emergency Fund

The basic building blocks for successful personal finances are creating an adequate emergency fund and consistently saving for retirement. In this week’s article, we look at a rule that allows investing in a Roth IRA account and use it as a part of your emergency funds if needed. As a refresher, you can learn more […]

Is Your “Safe” Money Safe?

Recently a company based out of California that promotes buying gold suggested that banks no longer provide FDIC insurance for your savings and deposits. This misinformation has lead to a lot of angst for depositors, so I thought it was a good time to discuss your ‘safe’ money. For the broad general public, there are three […]

Improving Decision Making

Making sound decisions can be difficult, particularly during the kind of uncertainty our country and economy are currently experiencing. Whether you are making investment decisions or leading a family, business, non-profit, etc., the decisions you make in these roles have short, near, and long-term ramifications for many. While most of our daily decisions are made […]

Summer Vacation Success

With the COVID vaccination rate rising, more and more people are planning a long-overdue summer vacation. Of course, you deserve to have fun this summer but don’t throw financial caution to the wind.  Here are some tips to help keep your finances on track this summer: Skip payment options. You may have received notice from […]

Taking Advantage of the Roth IRA/401k

The Roth IRA/Roth 401k is one of the best ways to accumulate and preserve wealth, but perhaps the least understood.  A Roth, funded by after-tax contributions, has many appealing attributes, including tax-free growth and tax/penalty-free withdrawals if over the age of 59½, and the withdrawals are at least five years after your first contribution to […]

Summer Job Success

Summer is fast approaching, and high schools and colleges will soon adjourn.  If you have not already found your summer job, now is the time to get started.  You want it to be a good experience for you, and you want it to be a good experience for your employer.  Here are tips to help […]

Low Mortgage Rates: Love Them Or Hate Them

According to a leading measure of U.S. residential real estate prices, the S&P CoreLogic Case-Shiller Home Price Index, home prices rose 11.2% year over year in January.  With a limited supply of new homes on the market, increased demand from ultra-low interest rates, and stay-at-home dynamics due to Covid-19, the conditions are perfect for higher […]