21 Feb
February 21, 2018

Home ownership has changed from the way it used to work for prior generations. Fifty years ago, many people bought a home and stayed in it for 30 years or longer. Far fewer take that approach today. As a result, many past “rules of thumb” need to be reevaluated. The answer to “How should I finance my home purchase?” is, as with so many financial planning questions, “It depends.”

Read More
22 Dec
December 22, 2017

In the 1630s in Holland, tulips were a relatively new flower. (The first tulips came to Europe from Turkey in 1554.) The flowers were perceived as a luxury, so they were in high demand across Europe and there was a limited supply. In the mid-1630s, speculation entered the market. The price for tulips began to rise beyond the “rational” price of a flower. By early 1637, the highest valued tulip bulbs were selling –singly – for more than ten times

Read More
17 May
May 17, 2017

One of the top concerns for Americans in their 60s is how to pay for retirement. Consider focusing on a plan for these five areas of financial planning to help gain confidence as you approach or enter retirement. Interestingly, many individuals’ first anxiety is loss of principal – particularly with 2008 still in our collective rearview mirrors. However, given that retirement may last 30 years or longer, workers approaching retirement need to be just as focused on loss of purchasing

Read More
19 Jul
July 19, 2016

Many in the financial media tout the benefits of the early paydown of the home mortgage as one of the best financial strategies a family can implement. Unfortunately, this is one of those cases in which the rule of thumb can be completely wrong, particularly when it is not adapted for individual circumstances. Similar to consulting with a doctor before starting an exercise regimen, families should consult with a qualified financial professional before launching an accelerated mortgage paydown

Read More
20 May
May 20, 2016

In early 2000 I knew I wanted to be a financial planner. It merged two of my favorite loves: working with people and math. (I loved math so much that I took classes over the summer of my teenage years so I could finish Calculus in my sophomore year of high school. I know, I know…youth is wasted on the young.) The problem was that my university did not offer a degree in financial planning, so I was on my

Read More