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Financial Planning

Money. We want it. We need it. We work hard for it. It’s the difference between the life we want and just getting by. It determines whether we retire comfortably or have to move in with the kids. There are all kinds of ways to manage your...
You’ve heard the old adage that what you don’t know won’t hurt you. Well, in the investing world that is 100% pure Bovine Scatology! You may be the owner of a portfolio constructed on a foundation of ooey-gooey pizza. Before joining the Registered Investment...
According to a Gallup poll, 51% of nonretired Americans don’t think they will have enough money to live comfortably in retirement. Retired Americans are more confident, with 78% saying that they have enough money to live comfortably. However, wherever you are on the spectrum, no matter if you are just starting...
“I can’t wait to get on Medicare!” I’m hearing that more often from people approaching 65 years old. Since the passage of the Affordable Care Act (ACA) in 2010 health insurance has become anything but affordable. I know people paying more for their health insurance than they pay for their mortgage....
Among America’s older population there is a growing concern about the state of their retirement and many are choosing to stay in the workforce much longer. In a previous article I listed concerns of older workers about whether they will ever be able to retire; concerns that...
Estate planning. It’s not one of the most pleasant topics because you have to admit your own mortality. But, for people who want to take care of their loved ones, estate planning is essential. Without a plan, distribution of your estate will be determined by a court or a bureaucrat—probably not...
Father Time has closed the book on 2018. We’ve sung Auld Lang Syne. And now our focus is on all the things that have to be done this year, which includes filing your income tax return for 2018 using the new tax rules. Oh Joy! Staying in the...