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Finding a Financial Advisor

I hesitated for many months before writing this post, I don’t want to be self serving here, I view my posts as an attempt to provide education and guidance to the people who invest their time to consider my thoughts.  With the disclaimer out of the way, there are many websites which will give you excellent questions and criteria to help you interview and select an advisor.  The intent of this post is to help you...

Onto Your 30s

Ah, now you are thirty, it should be getting easier.  You are established in your career, you have picked up some wisdom and appreciate,  beyond the academic theories of the University, how businesses in the real world operate.  (Not that clean or efficiently as we all thought in our 20s, but they do work.) You are making decent money, having progressed in your career, but you are realizing that the clock seems to run a...

On Your Own, Enjoying Your 20s

Congratulations! You made it through college, got that degree, found your first job and you are off and running! But wait; there are some things that are affecting you, that were not discussed at the University. What is this thing about a credit history? Do I really need a will? Should I worry about retirement, it is so far away! Should I buy a home? How do I start investing? Time to educate yourself about securing and...

Long Term Care

As we age, our physical condition may deteriorate.  It may become more difficult or even physically impossible to perform our day to day living activities. Activities such as dressing, bathing, mobility, transferring from one position to another, toileting may require assistance.  These activities are known as ADLs: Activities of Daily Living. In many situations, the ability to perform these activities is limited as a...

College Funding

College Funding College costs have been increasing faster than the general inflation rate, for years. Yes, this can be expensive but there are ways to manage the process, educate your students and not end up in the poor house. It is a process, you need to file forms: the Free Application for Federal Student Aid (the application is the only thing about college that is free!) which is known as the FAFSA.  You can preview a...

Life Events

Life is a journey. Sometimes there are happy events and unfortunately there are sad events we all experience on this journey. Significant events in your life may include:     new family members, changes in marital status, changes in employment, passing of a loved one, empty nest, sudden retirement, disability, and others may cause emotional and financial turmoil. All financial plans attempt to address the...