5 Smart Ways to Invest for Your Grandchildren
You want to invest for your grandchildren’s future and financial success, but how? Helping out your grandchildren is an act of kindness. Before you give them cash or open an account for them, it’s important to understand how that might affect your future, as well as your grandchildren’s. Opening one type of account instead of […]
Charitable Giving Statistics in 2025
One of the most common questions I receive is, “How much should I be giving?” As with most questions, the answer is “it depends”, but something I’ve found helpful over the years is to be able to point to charitable giving statistics to help with the decision. People like points of comparison. Let’s dive into […]
How to Survive a Bear Market
The stock market is down, and it feels awful – truly awful. You’ve watched a 20% decline in stocks, and may be wondering, “what should I do now that I am in a bear market?” You are watching your hard earned money fall in value and depending on what is going on in the world, […]
Cybersecurity Statistics in 2025 and Tips to Protect Yourself Online
Protecting yourself online has never been more important. With more of your personal information online and cybersecurity attacks on the rise, it’s important to understand what cybersecurity risks exist and how you can protect yourself online. It’s estimated that cybercrime will cause $10.5 trillion worth of damage annually. Even more startling, an FBI agent who […]
Widow Brain: What To Expect After Your Spouse Dies & 9 Ideas to Help
Losing a spouse and becoming a widow is a life changing and emotional experience. Emotions come and go: anger, fear, sadness, grief, loneliness, pain, shock, guilt, worry, and more. Brain fog, or “widow brain” can appear, causing even more frustration. Let me begin by saying everyone experiences grief differently. Widow brain affects people differently. There […]
I Bonds: What You Need to Know
Who would have thought a government bond would be one of the most talked about investments in 2022? Now, how do I bonds look in 2024? When the annual inflation rate was 8.5% in March 2022, investors were wondering how best to keep up with inflation. The answer? Many were turning to I bonds. Let’s look […]
Capital Gains vs. Ordinary Income – The Differences + 3 Tax Planning Strategies
Capital gains vs. ordinary income – do you know the difference in how they are taxed? If you are like many people, you may be wondering if recognizing capital gains can affect your ordinary income taxes or vice versa. Perhaps you’ve heard the phrase “long-term capital gains are stacked on top of ordinary income”, but […]
Is Earthquake Insurance Worth It?
You have your homeowners insurance in place, but what about earthquake insurance? Is earthquake insurance worth it? Your typical homeowners insurance policy won’t cover damage due to an earthquake, which means if you suffer damage due to an earthquake, you may be required to pay everything out of pocket. That could potentially mean footing the […]
7 Problems with Dividend Investing
Dividend investing is one of the most misunderstood parts of investing. As a financial planner, I’ve been in many meetings with prospective families who have different levels of investment education. I often find people think dividend investing is magic and must be the end-all, be-all of investing. Unfortunately, many of the closely held beliefs people […]
8 Tips to Help Prevent Elder Financial Exploitation
“Financial institutions reported a total of $1.7 billion in suspicious activities in 2017, including actual losses and attempts to steal the older adults’ funds”, according to the Consumer Financial Protection Bureau. Elder financial exploitation is incredibly common. It feels like people are constantly attempting to scam seniors. Sometimes it is from an outside party, but […]
