Resources

As young couples reach significant life milestones—such as purchasing their first home or welcoming a child—ensuring financial security for their loved ones becomes crucial. Life insurance is an essential tool in safeguarding your family’s future, maintaining their standard of living, and supporting your long-term plans. Demystifying Common Myths About Life Insurance Myth 1: Life Insurance […]

Imagine this: It’s the mid-1980s Margaret Losinger and Jeffrey Rolison are in the throes of a passionate romance. Fast forward over three decades later, and Margaret finds herself at the center of a legal battle over a fortune she never expected to come her way. Jeffrey, a man with a penchant for nostalgia, never removed […]

Planning for retirement isn’t just about numbers and savings; it’s about envisioning a future that fulfills your personal desires and needs. Let’s embark on a journey to discover your ideal retirement lifestyle with a simple three-step strategy. Imagine this as a friendly chat over coffee, sharing stories and dreams for the future. Step 1: Envision […]

What is IRMAA? Have you ever heard of IRMAA? If you’re nearing Social Security age or already receiving it, this could impact your finances significantly. IRMAA stands for Income Related Monthly Adjustment Amounts. Essentially, your Medicare costs depend on your income. Earn above a certain threshold, and you’ll find yourself paying more. It’s another way […]

Market volatility refers to the rate at which the price of securities increases or decreases for a given set of returns. Driven by factors such as economic data, geopolitical events, changes in market sentiment, and macroeconomic trends, volatility is a natural part of the stock market cycle. While it is not inherently bad, it can […]

In recent years, I’ve seen clients and friends move back from Florida after initially relocating there. Moving is a big ordeal, involving timing the packing, selling, and closing of your home, finding and buying a new one, and then getting your belongings there. Movers aren’t cheap, and many people who relocate are older and not […]

As the seasons transition, it presents an ideal moment to embark on decluttering your finances, meticulously reviewing your budget, and fortifying your money management practices. This guide will walk you through the essential steps to spring clean your finances, helping you achieve greater financial stability and peace of mind. Begin with a Financial Audit Starting […]

A little history on our home first. In 1994, we bought about 7 acres of land and built a 30 x 32, story and a half Cape Cod style home. Featuring 9-foot ceilings, 2×12 floor joists, and 6-inch walls, we added several other tweaks to make it special to us. I was the general contractor, […]

Life insurance often gets a bad rap and may not be at the top of your list of financial priorities. However, it deserves a closer look for reasons beyond just covering funeral expenses. Life insurance can offer benefits and coverage for various situations. Here’s a detailed guide on why life insurance should be part of […]

I write an Investment Letter to all my clients with investments in the market. Many clients have only safe investments with me and avoid risk-type accounts. This monthly newsletter isn’t as technical or serious as the market and economy topics discussed in the Investment Letter. Last month, I covered the Sweetheart Scams trending during Valentine’s […]