You 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…
Financial 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…
Personal 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…
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!). …
Risk 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…
A 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…
Regular, 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…
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…
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…
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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