Small Effort, Big Results

What is one thing people could do for their money that takes a relatively small effort but has big results? Here’s what our planners said: Joann Nieciecki: ‘Embracing my inner planner here, but planning ahead for big-ticket items like vacations or new cars. Mapping out the upcoming few years truly brings clarity to how a new…

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The Money Saving Brainstorm

Recently, I have noticed a trend with my clients: I am issuing challenges with saving money. This happens because I see how much they are making and what monthly ballpark expenses are, so it would make sense if they could save $X each month. Why not try? Sometimes they can, sometimes they can’t—but that’s good…

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Should You Save for College Before Retirement?

Today, I’m diving into a topic that hits close to home for many of us: balancing savings for college and retirement. When you’re deep in the childcare years, it’s hard to imagine ever having enough cash flow to fund college OR retirement! But as cash flow eases once those kids enter elementary school, knowing where…

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What Should I Be Investing In Right Now?

Believe it or not, a lot of times when we’re talking to prospects, they are less interested in holistic financial planning and more interested in understanding what the hot new investment is. We remind them we don’t have a crystal ball, and that we want to make people financially successful enough they don’t NEED an…

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Do I Maximize Retirement Savings or Access?

Financial planning can become overwhelming when you’re aiming to maximize your retirement savings while juggling various accounts and tax implications. One of our clients found herself in just such a situation.  She wanted to maximize her 401(k) contributions and contribute to a Traditional IRA. However, her 401(k) coverage meant she would receive no tax deduction…

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The Role of Law of Attraction With Your Debt

People who use the principles of the Law of Attraction have an advantage when becoming debt free, because they begin with the idea of managing their thoughts, emotions and energy. A huge part of becoming debt free is mindset, and when used correctly, the Law of Attraction can support a debt-free life. The Difference Between…

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Financial Planning Tax Roundup

We don’t prepare taxes for our clients, but we tend to be the people who help them avoid tax “surprises.” No one wants unpleasant news, so it’s helpful to deconstruct a client’s taxes so we can understand strategic decisions. But there might not be as many ways to save on taxes as people hope… I…

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Should I Add My Adult Child(ren) to My Bank Account?

My sister Dru recently retired from her family law practice after 40 years. I asked her what her most consistently frustrating estate planning experience was, and she quickly answered: “When bank tellers recommend to seniors that they should add children to their bank accounts.” She believes the tellers are well-intentioned. It is most likely the…

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