What has been your most successful tactic for saving? We see a lot of strategies work for different people across our client base, and although there are some tactics that are generally successful for most people, one size does not necessarily fit all. I asked my planners what their most successful strategies are – Here’s…
DetailsWhen it comes to financial planning, investment returns often take center stage. It’s pretty common for us to see someone buy one stock and hope it hits a home run. However, while the allure of high returns can be enticing, the foundation of a solid financial plan often starts with one simple but crucial factor:…
DetailsDo you ever wonder what makes up your credit score? Whether you’re applying for a mortgage, car loan, or a credit card, this three-digit number plays a pivotal role in determining whether lenders will trust you with their money. Here are the elements that make up your credit score: Payment History (35%): Be Punctual…
DetailsYou may not realize it, but lots of people are looking for ways for their money to make them MORE money – we call that passive investing. In fact, “What is passive investing?” is one of the most commonly Googled search terms. We talk about this a lot with clients. Plenty of them are still…
DetailsFinancial planning is meant to help you begin with the end in mind with regard to your personal finances. Some people think (erroneously!) that financial planning is like an emergency service – in other words, it isn’t “just” for people experiencing financial turmoil. And it’s not “just” for people who want investment guidance. It’s a…
DetailsPersonal finance software helps people better control their finances, make informed decisions, and work toward financial goals. But rather than start using an app or software just for the sake of using it, what if you approached it with the end in mind? What should you be getting out of your personal finance software? Even…
DetailsIf your spouse brings debt into your relationship, should you help them pay it off? Or even, should you pay it off entirely? When it comes to personal finance and relationships, deciding whether to help your spouse with their debt can be a bit of a puzzle (and they might not even WANT that help!). …
DetailsRisk tolerance is an extremely misunderstood element of finance. In fact, I personally believe that if we received adequate education about investing early on, the question of personal risk tolerance would become inconsequential because people would be investing based on appropriate parameters versus fear. I put this question to my planners – what do you…
DetailsA while back, in the course of my personal studies of energy and spirituality, I started to make some surprising connections. While I was learning about the chakras, the seven energy centers in the body as discussed in yoga and similar practices, I started to notice that many of the problems I see coming up…
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