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What I expect from myself:

I have always believed that it is a rare occasion that insurance should be used for more than insuring something you can’t afford to lose.  When considering life insurance, this means using term policies to cover income that your family can’t do without.  Sure, on a rare occasion we will find a cash value policy useful for estate planning with tax issues.

Most people would not complain if they got a big tax refund. After all, who doesn’t love free money?! It’s easy to think about a check from the IRS as “found” money and plan a shopping trip accordingly. However, getting a rather large check is not actually as beneficial as you might think.

Big tax refund = LOSING money

Taxes are complicated.  That is why there are people whose entire job revolves around helping individuals pay the government what they owe.  There are so many different variables that can affect the amount you are required to pay that it helps to have a professional assist you.  To make it even more complicated, some folks who aren’t experts by any means spread misinformati

Just as we recommend our clients get their property and casualty insurance reviewed periodically, I had mine checked recently.  It is not uncommon that when we facilitate a review, the agents we work with point out changes in amounts and can find a better price for the insurance a client needs. 

This past weekend’s news channels were consumed with President Trump, Robert Mueller, and the report summary of the Russia collusion investigation.  If you were paying attention to the economic news before this took over the media, you likely heard the alarmist headlines on Friday about the inverted yield curve, which (you probably also read) inevitably signals an upcoming economic r

Do you know how much auto insurance coverage you have? 

Do you only have the minimum required liability or do you have maximum protection?  What about an umbrella policy for any spill-over costs from an accident?

Do you have a young son or daughter who just started driving or will start soon?

You've done a great job of saving for your child's college education with a 529 plan.  You’ve made contributions and kept an eye on the account’s growth over the years, and now you’re ready to start withdrawing funds.  You have questions!  Here are the answer to the questions most frequently asked by parents as they prepare to withdraw funds from the pla

Modern advertising tells us, and the Joneses next door make us feel like we NEED a bigger home, nicer clothes, fancier vacations, luxury vehicles, and a fatter paycheck to pay for it all. In a society where bigger is better and more is more, can we find the benefit and contentment in simplifying? In particular, can the “less is more” theory apply to our home?

We are getting to the moment of truth on the 2017 Tax Cuts and Jobs Act, which took effect for the tax year 2018.  As the first tax returns reflecting the new tax rules are being filed now, we will all soon find out how it impacts us.