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Is a 529 plan the best college savings vehicle for your family?

Posted on January 10, 2024
Is a 529 plan the best college savings vehicle for your family? This seems like a simple question, but the answer lies firmly in the “nothing is simple category”. Outside of scholarships and financial aid, the vast majority of people seeking higher or specialized education will require some assistance with funding. Some people would prefer […]

What can a Financial Advisor do for me?

Posted on January 03, 2024
Behavioral Finance is a subfield of behavioral economics.  It looks at the psychological influences and biases that affect financial behaviors.   It is essentially a look behind the actions of individuals as it relates to their finances. Money and finances tend to be very potent topics. In periods of high stress, high volatility, high uncertainty, investors […]

Do I need a Financial Planner?

Posted on December 06, 2023
Do I need a Financial Planner? Whether or not you could benefit from hiring a financial planner depends on many factors.  To help you decide, consider the following points. Complexity of Your Financial situation: If your financial situation is relatively simple, with few assets and straightforward goals, you may be able to handle your finances […]

How to create a giving plan that benefits both the donor and the chosen charity.

Posted on December 01, 2023
Creating a year-end gifting plan: An important first step in creating a year-end giving plan is to review the basic tax benefits or incentives available to you. The first benefit is the charitable deduction, which can reduce your taxable income if you itemize. Overall deductions for donations to public charities, including donor-advised funds, are generally […]

Smooth Sailing into 2024

Posted on November 15, 2023
For a smooth start to the new year, take a moment to check where you are. As another year comes to an end one of the best things you can do to make the upcoming year run smoothly is to take a few minutes to review where you are with your financial picture.  Here are […]

What causes inflation and how does it affect my investments?

Posted on November 01, 2023
Causes Inflation is caused by a variety of factors.  In general changes in the supply and demand for goods and services are considered to be the root cause.  When demand for goods and services exceed their supply, higher prices can result. When production costs for goods and services rise, they may pass on these costs […]

So, what makes a “Fiduciary” so important when choosing a financial advisor?

Posted on October 25, 2023
A Fiduciary financial advisor is a professional who has a legal and ethical obligation to act in their clients’ best interests. They must prioritize the clients’ interests over their own when providing advice and recommendations.  Registered Financial Advisors are regulated by the Securities and Exchange Commission and the US Investment Advisers Act of 1940 which […]

Why is diversification important in the world of investing?

Posted on October 18, 2023
There are a variety of types of investments, each carries its own risks and rewards. When investing, it’s important to consider your financial goals, risk tolerance, and time horizon. Different types of investments, stocks, bonds, mutual funds, for example and each comes with varying levels of risk and potential return. A well-balanced (diversified) investment portfolio […]

Stocks, Bonds, Mutual Funds; What are the basic differences?

Posted on October 11, 2023
Bonds Unlike stocks where you own a share of the company, bond purchases are loans that earn interest at an agreed upon rate and mature at a specific date, when you are paid back the loan face value.   Bonds are generally considered safer than stocks as they are required by law to be repaid prior […]
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