1. Should Couples Combine Their Finances?

    Should Couples Combine Their Finances? To consolidate or not: that is the question.  Some couples elect to consolidate their personal finances, while others largely keep their financial lives separate. What choice might suit your household? The first question is: how do you and your partner view mo…Read More

  2. Set Goals as You Save & Invest

    Turn your intent into a commitment.  Goals give you focus. To find and establish your investing and saving goals, first ask yourself what you want to accomplish. Do you want to build an emergency fund? Build college savings for your child? Have a large retirement fund by age 60? Once you have a def…Read More

  3. Is Women’s Wealth Growing Faster Than Men’s Wealth?

     One study says yes. Two major factors may be influencing the trend. Picture the women of the world growing wealthier. It’s happening right now. Research from the Boston Consulting Group affirms this development. BCG, a leading business strategy advisor, says that as the world grew 5.2% wealthier…Read More

  4. Set Goals as You Save and Invest

    Turn your intent into a commitment. Goals give you focus. To find and establish your investing and saving goals, first ask yourself what you want to accomplish. Do you want to build an emergency fund? Build college savings for your child? Have a large retirement fund by age 60? Once you have a defin…Read More

  5. The Major 2018 Federal Tax Changes

    Comparing the old rules with the new. The Tax Cuts and Jobs Act made dramatic changes to federal tax law. It is worth reviewing some of these changes as 2019 approaches and households and businesses refine their income tax strategies. Income tax brackets have changed. The old 10%, 15%, 25%, 28%, 33%…Read More

  6. The Importance of Equitable Estate Planning

    Suzanne is widowed and has four adult children. Her investment portfolio is worth $1 million, and she owns a bed-and-breakfast inn worth $1 million as well. Can she conveniently and equally bequeath these assets to her kids to give each child a $500,000 share of her wealth? This may not be as easy a…Read More

  7. Cybercurrencies: A Risky Choice in 2018

    This year, we have seen the downside of bitcoin & other altcoins.  Bitcoin. Ethereum. Litecoin. Ripple. Ether. As 2017 ended, the prices of these cybercurrencies were soaring. In early 2018, they have plummeted. Opportunistic investors have been left to wonder: Are these digital currencies real…Read More

  8. Why You Want a Retirement Plan in Writing

    Setting a strategy down may help you define just what you need to do.  Many people save and invest vaguely for the future. They know they need to accumulate money for retirement, but when it comes to how much they will need or how they will do it, they are not quite sure. They will “wing it,” h…Read More

  9. Cash Flow Management

    An underappreciated fundamental in financial planning. You’ve probably heard the saying that “cash is king,” and whether you own a business or not, it is a truth that applies. Most discussions of business and personal “financial planning” involve tomorrow’s goals, but those goals may not…Read More

  10. Money Habits That May Help You Become Wealthier

    Financially speaking, what do some households do right?  Why do some households tread water financially while others make progress? Does it come down to habits? Sometimes the difference starts there. A household that prioritizes paying itself first may end up in much better financial shape in the l…Read More