The Financial Minute

Being Thankful 2014

As many of you know, I write a Thanksgiving blog every year that focuses on being thankful.  A couple days ago I went back and reread several of my past Thanksgiving blogs and was a bit shocked by what I found.  Other than the occasional typo, I found I had plenty of ammo to point me in the direction of thankfulness.  I … Continue reading

Posted in Fee-Only Financial Planning | 1 Comment

Tax Extenders: To Be or Not To Be?

With congress returning to work this week, there are a few items that are still up in the air for tax year 2014.  The most pressing issue (at least in relationship to taxes) is the topic of tax extenders. These extenders expired Dec 31, 2013 and unless legislation is put in place this expiration could be costly for many taxpayers. The list … Continue reading

Posted in Business planning, Cash Flow & Debt, Fee-Only Financial Planning, Taxes | Leave a comment

Five Year End Moves for 2014

Wow, it seems like we were just completing our taxes, and yet here we are staring at the end of the year. With only a couple months left in this calendar year, there are a few things we should all look to accomplish to make sure we are maximizing our financial growth. Here are five items that are time sensitive and should … Continue reading

Posted in Fee-Only Financial Planning, Financial Planning, Investments, Retirement, Savings, Taxes | Leave a comment

Five Tips to Solve the Open Enrollment Puzzle

As we approach Halloween, the weather cools and we look forward to the holidays.  We also begin to see the end of 2014 approaching.  Many companies at this time of the year hold open enrollment for their benefit plans. Often, folks simply take a cursory glance and then check the same boxes as the previous year. This approach can possibly leave dollars … Continue reading

Posted in Fee-Only Financial Planning, Financial Planning, Insurance, Taxes | 1 Comment

Investing vs Trading

In today’s fast paced, media driven, advertising laden world we are bombarded with new ideas.  Take this new drug and you’ll feel better (just don’t forget the side effects could kill you!).  It’s hard to disseminate reality from what we are “told” to believe, feel, or think from the advertising mecca of today’s media. I occasionally will receive a flyer in the … Continue reading

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Fear and Greed

There are two emotions that can derail an investment plan faster than a Nolan Ryan fastball: fear and greed. Fear and greed tend to push investors in the wrong direction at the wrong time.  Let’s take a look at these two emotions and how they can impact your portfolio. Fear Fear is a great motivator, and it’s easy to find common examples … Continue reading

Posted in Fee-Only Financial Planning, Investments | 1 Comment

TN Sales Tax Holiday 2014

It’s that time of year again. It’s back to school time, which means it is time to buy school supplies.  Thankfully, our fine State of TN has a sales tax holiday to help us all save a few bucks. This year’s Sales Tax Holiday begins Friday, Aug 1st at 12:01am and ends at 11:59 on Sunday, Aug 3rd. For those of you … Continue reading

Posted in Fee-Only Financial Planning | 2 Comments

New Name….Same Great Organization!

As most of you know, I have been a proud member of The Alliance of Cambridge Advisors (ACA) for almost ten years.  ACA is a fee-only financial planning organization like no other.  This organization consists of like-minded advisors who focus on holistic (comprehensive) financial planning.  Most advisors do it “all” for their clients…..from taxes to investments and most things in between. With … Continue reading

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Five Questions You Should Ask Yourself!

It’s hard to believe we are half way through 2014.  While we enjoy the relaxed pace of summer, we should make sure we are on track for a successful year.  Here are a few questions you should ask yourself as a mid-year assessment. If the second half of 2014 looks just like the first, will it be a successful year? This question … Continue reading

Posted in Fee-Only Financial Planning, Financial Planning | Tagged | 2 Comments

Same Song Different Verse

The stock market set several record highs recently, but does the economy support this stock market growth?  I’ve been contemplating this question for a couple weeks, and after having several conversations with clients I think I have an answer. Let’s first start with the numbers and some facts.  On Tuesday, May 13, 2014, the S&P 500 briefly rose above the 1900 mark, … Continue reading

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Posted in Fee-Only Financial Planning | 7 Comments