When you begin the process of financial planning you will likely be asked to put your overall expenses into your financial plan to help develop a baseline for your lifestyle. There can be confusion when getting this information put into the planning where you are not sure if something is a living expense or a …
When I meet with clients for their financial planning there is one item that seems to get the harshest reaction when I discuss the topic with them: their budget. I mention the word budget and their mind goes to a situation where they are having to provide me with their expenses and I am …
During times like what we saw in the 2022 Bear Market it can be tough to think ahead to when things recover, and the losses might turn to gains. When the market is in a down cycle, and eventually reaches the Bear Markets level of (-20%) the mentality can permeate through investors that things just …
When I am speaking to a client about their initial meeting to begin their financial planning they are unsure if they are prepared to come in and meet. They are unsure of what to bring with them or if they are prepared for what will happen during the meeting. This is a concern that is …
What Should I Be Prepared For In A Financial Planning Meeting? Read More »
There are plenty of questions that will come up during the financial planning process, and many of these are often led with the same two words: What If. These ‘What Ifs’ might have been what led you to want to meet with a financial planner in the first place, and they are a major concern …
In my year end planning with clients there is a topic that is discussed often, IRA contributions. Should they contribute to their Traditional IRA, should they contribute to their Roth IRA, or CAN they contribute to their Roth IRA? During these discussions it is not uncommon for clients to bring up one concept they have …
It is almost impossible to turn on the TV or listen to the radio and not see or hear an ad for auto insurance. Just about all of us have an auto policy, but do we really know what should be in the policy? In this post I am going to break down the parts …
Collision Coverage and What Car You Drive This is the most expensive part of the policy. The insurance company knows that they are the ones paying the bulk of the cost for major repairs or vehicle replacement if you have an accident. Collision coverage is insurance for the cases where you are at fault (hit …
5 Things That May Be Causing You to Pay More for Auto Insurance Read More »
We find that umbrella insurance is one of the most overlooked, least known insurance policies from clients we work with. They know about basics of home, auto, life and disability policies but not umbrella insurance. Yet it can be a low cost and important part of a lot of our clients plans. What is it? …
Umbrella Insurance – Don’t get caught in the rain! Read More »
Why is my home and auto insurance important? We often find that most clients neglect the role their home and auto insurance play in their financial plan. In this post I will discuss some of the basics and their importance to your financial plan. When I work with clients to create a financial plan they …
Can your home or auto insurance stop you from retiring on time? Read More »
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