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Another Silver Lining to Investing in an IRA

By on March 19, 2013 in Achieving Financial Independence, Balanced Living, Estate Planning, Goals-Based Planning, Post-Retirement Planning, Tax Planning, Uncategorized

This is the time of year you will hear much about IRAs (Individual Retirement Accounts) This is because an IRA contribution is the last tax deduction you can still create for your 2012 tax return to make a pretax IRA contribution (provided that you not eligible for another form of retirement saving, ect 401k defined benefit [...]

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How to Save Money While Getting Healthy

By on February 27, 2013 in Achieving Financial Independence, Balanced Living

Earlier this month, I was reminded by a sports nutritionist how horrible soda is for your body and how critical water is to living a healthy life.  The nutritionist mentioned that a lack of the ability to focus is a common symptom of dehydration and adversely affects kids at school and adults during their daily [...]

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What is Your Retirement Number? – Why It’s Going Up…

By on February 11, 2013 in Achieving Financial Independence, Investments, Policy and Your Money, Post-Retirement Planning

This catchy marketing phrase coined by ING has taken an interesting and horrible new twist for current retiree’s trying to live off the interest generated from bonds and other fixed interest investments.  Unfortunately, “your number” is a moving target based on several key variables, some of which you cannot control. We can control our spending, [...]

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5 Big Financial Planning Mistakes – COST YOU A BUNDLE

By on January 28, 2013 in Achieving Financial Independence, Balanced Living, Counting Your Pennies, Estate Planning, Goals-Based Planning, Insurance, Investments, Investor Psychology, Post-Retirement Planning

Avoiding life’s big financial planning mistakes is not hard if you plan well. Financial planning, however, takes a backseat to day-to-day living for many people and this is where the potential problems creep in. Here is a list of five key planning issues that everyone should address: 1.     Not Enough Liquid Savings Having plenty [...]

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Three Ways to Make Your Life Better Starting Today

By on December 29, 2012 in Balanced Living

Money doesn’t buy happiness, but what can? As I vacation in Marco Island with my family, I am reminded the answer is love and great relationships.  Often we act as if relationships are something to be squeezed into our schedule. We talk about finding time for our children and making time for people in our [...]

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5 Huge Financial Issues Now That Obama was Re Elected

By on November 7, 2012 in Achieving Financial Independence, Investments, Policy and Your Money, Tax Planning, World Economics

The voters spoke.  The number of people dependent on the federal government (our tax $$) to pay some or all of their way will continue to grow. Wage and investment income earners will be asked to pay thousands of dollars in additional taxes ($3,500+ average per family) annually to allow this to continue to happen [...]

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Who is Your Financial Planner?

By on November 1, 2012 in Achieving Financial Independence, Balanced Living, Goals-Based Planning

Financial Planners are for Everyone “Failing to plan is planning to fail.” – John Wooden” It was recently brought to my attention that many people think that only “rich” people have financial adviser’s.  Nothing could be farther from the truth. If your family income is over $100,000/year or you are retired with investments of $200,000 [...]

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Best and Worst October Buys

By on October 12, 2012 in Achieving Financial Independence, Balanced Living, Counting Your Pennies

October is a strange month for shopping, since we’re now within a stone’s throw of the biggest shopping event of the year: Black Friday. You might want to put off most purchases until the attention-grabbing deals start flowing in next month. But now that you have finally filed your extended tax return and are anticipating [...]

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How Much Could the “Fiscal Cliff” Tax Increases Cost You?

By on October 2, 2012 in Achieving Financial Independence, Counting Your Pennies, Policy and Your Money, Tax Planning

 CLICK Here to Get Life Planning Today Blog Updates Emailed to you Congress Signs Deal: What does the Fiscal Cliff Deal Mean to Your Income Taxes? MERRY CLIFF MESS Several clients and Glen Ellyn neighbors have asked me about the “Fiscal Cliff” lately so I have decided to blog about it.  I have also included [...]

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Head in the Sand? Are You Happy With Where You Are Financially?

By on September 25, 2012 in Achieving Financial Independence, Balanced Living, College, Counting Your Pennies, Goals-Based Planning, Investments, Post-Retirement Planning

You are where you are today because of the decisions you have made in your life. We usually get what we deserve in life.  When it comes to money, how you handle your monthly cash flow is the single most important factor in your financial success or failure.  As a financial planner, my idea of [...]

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