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Category Archives: Financial Planning
Ten Ways to Save Money without Pinching your Lifestyle!
Tweet As a fee-only advisor I often speak with clients in regards to their cash flow. We sometimes drill down to fine detail. When this occurs I always seem to find ways to cut corners without negatively impacting the client’s lifestyle. Here are a few of the examples I have learned over the last several years. Eliminate Bank Fees– Banks are battling … Continue reading
Posted in Cash Flow & Debt, Financial Planning, Savings
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Your Financial Puzzle!
Tweet What is financial planning? Ask that question to the average Joe or Jane and the answer is usually centered on investments. Even some financial planners may operate with an investment centric model, but I don’t. Here’s why! The Puzzle I often equate financial planning to a giant puzzle. Each puzzle piece has an impact on the big picture. With only one … Continue reading
Posted in Financial Planning
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Your Two Percent Raise…..Part II
Tweet If you read my blog post last week, you noticed I mentioned the 2% social security tax reduction for tax year 2011. While this is certainly a nice pay raise, we need to make certain we don’t forget about the expiration of the Making Work Pay Credit. The Making Work Pay Credit benefited most earners with a $400 credit ($800 for … Continue reading
Posted in Cash Flow & Debt, Financial Planning, Savings, Taxes
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Portfolio Risk and You!
Tweet Most people understand the general concept of risk in relationship to investments, but many people get the true picture of risk wrong when it comes to investing. Specifically, how much risk should be taken inside a portfolio. Risk and Returns The higher the risk inside a portfolio the greater the possibility of increased returns. The oppositional side of the prior statement … Continue reading
Posted in Financial Planning, Investments
Tagged Investing, Portfolio Risk
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Who Should Hire a Financial Advisor and Why?
Tweet Financial planning has changed dramatically over the last 30 years. Financial planners, money managers, and brokers where once only reserved for the wealthy. Today this is no longer true. Services are now available to virtually all economic levels of clients. So, who should hire a financial advisor? First things first: there are several types of advisors out there, and in my … Continue reading
Posted in Financial Planning, Retirement
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Financial Freedom and you!
Tweet I had a wonderful call from a client earlier today. It was one of those calls that makes me realize how blessed I am to do what I do. My client stated that her car recently broke down. I told her I was sorry to hear the news, but she immediately turned the seemingly bad news into joy. She began to … Continue reading
Posted in Cash Flow & Debt, Financial Planning, Retirement, Savings
Tagged financial planning, Life Planning
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What to do when Faced with Storm Damage
Tweet It’s that time of year. Spring storms have been barreling across the country leaving in its wake death and destruction. Here in Middle TN we have been hit over the last couple weeks several times, and the damage to trees and property is impressive. If you find yourself dealing with storm damage, do you know what to do? Where do you … Continue reading
Estimated Tax Payments: Should I Pay Quarterly?
Tweet April 18th is drawing near, which means your 2010 taxes are due. Hopefully, your return is complete and you are basking in the glow of accomplishment. But don’t relax just yet, for you may not be done. If you are required to make estimated payments for tax year 2011, your first payment is due April 18th as well. Our tax system … Continue reading
Ten Things Financial Planning Should Be!
Tweet I recently wrote about some of the misconceptions surrounding financial planning. I discussed what financial planning is not. After clearing the air about financial planning misconceptions, let’s discuss what financial planning should be. Here’s a list of ten things (in no order of importance) that are indicative to good financial planning. Financial planning should be: 1. Comprehensive/holistic I often tell clients … Continue reading
Posted in Financial Planning, Taxes
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Four Things Financial Planning is Not!
Tweet What is financial planning? It’s interesting to hear what people think financial planning is all about. Many times the perception is wrong, and sometimes we have to hear what something is not to get a better understanding of what it truly is. Here are four things that financial planning is not: 1. Financial planning is not a panacea to solve poor … Continue reading
Posted in Financial Planning
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