If 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…
DetailsOne thing that comes up when you work with people and money is that sometimes people think they don’t deserve to have all of the money they want. This might extend to other areas of life, such as denying yourself pleasure or enjoyment or putting others ahead of your own needs. When you DO feel…
DetailsRegular, ongoing investing is a fundamental strategy for achieving financial goals and building long-term wealth. And the beauty of this strategy is, it doesn’t matter how much you have or when you start, because anyone can do it. What do I mean by “consistently”? You can start with as little as $25 per month and…
DetailsWhat 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…
DetailsRecently, 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…
DetailsToday, 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…
DetailsBelieve 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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