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“Return on Life”

We have all heard the phrase “return on investment” and that is measurable, but have you ever considered what your “return on life” (ROL) was in the past year? I recently read a blog discussing the “Return on Life” concept and describing the 6 core values a GOOD financial planner provides. It referenced an industry […]

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All You Have To Do Is Ask

There are many reasons people choose not to ask for help, whether it be pride, stubbornness, procrastination, not knowing who to ask, etc. Recently, an acquaintance of our family stopped by my office unannounced. He was visibly shaken. He shared his most personal financial issues with me. He told me he had made some poor […]

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Is Ignorance Bliss?

This year for Lent I gave up Fox News. If you are an avid news watcher, you may want to try this too.  “Out of sight” really does lead to ” out of mind.” Fox generally provides me with all the current news and a ton of commentary from both sides of the political aisle […]

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Winning in 2015

I thought you may be interested to know how a 25-year financial planning expert goes about planning for financial success in the New Year. I’d like to think I live a balanced lifestyle, enjoying life today while saving for an uncertain tomorrow. My peace of mind starts with a detailed analysis of where I am […]

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10 Financial Things To Do Before Year End

       There are a lucky 13 days remaining in 2014 it’s not too late to consider at least one of these financially savvy ideas: Taxing matters If you’re paying estimated taxes, now would be a good time to review your payments, especially if you had a big change in income from the prior year, Estimated […]

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Is Your Credit Card Keeping You From Financial Success?

  Most of my clients tell me this isn’t true, because they pay their card balance off in full each month. I say, “That’s part of the problem!” We all have a propensity to spend up to what we know we can afford to pay off each month. Those that carry and grow their balances […]

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Loving More Effectively

Ever wonder why your spouse or child doesn’t appreciate it when you go out of your way to show your love to them? I just finished reading a terrific book that should be required reading for every married couple and parent of teenagers. It’s called The Five Love Languages by Gary Chapman. The book explains […]

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10 Outstanding Ways to Save $$$

You have many options to fix up your finances, but these will have a significant impact: Cut your housing costs. These add up to about 33% of the average family’s budget. Refinance your mortgage to a lower interest rate if possible, increase the deductible on your home insurance, even consider moving to a location with […]

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Does 4% Retirement Rule Make Sense For You Today?

The most important and anxious questions I answer for my clients are:  “How much money will I have at retirement and will that be enough to live on? Of course, there are many variables in that calculation, one of the biggest is choosing an amount to withdraw from your investment nest egg every year. Many […]

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Money vs. Memories: The Cost of Being Too Frugal

Being frugal all the time can cost you plenty in the form of memories. Life is too short to not splurge a little for memorable experiences, even if it means being less frugal and paying extra for special activities or events. There are 365 days in the year. Out of all those days, how many […]

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