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Who Knew A Shoebox Could Enhance Your Long-Term Finances!?September 30, 2022The Shoebox Strategy is a method that can boost your HSA into overdrive and help... -
Extreme Concentration Is Great, Unless It’s In Your Investment PortfolioSeptember 16, 2022By CASEY TINIUS CFP® In many aspects of life extreme concentration is a good thing. Being... -
CFP® exam—the gold standard in financial planningAugust 22, 2022CERTIFIED FINANCIAL PLANNER™, Estate Planning, Financial Planning, Investment Planning, Retirement Planning, Tax PlanningBy RUDY EDELEN / CFP® Countless time of studying and coursework after working hours went... -
Homestead ExemptionDecember 9, 2020If you are nearing or have already reached age 65, how would you like to... -
The Election...Our Clients’ Most Common ConcernSeptember 1, 2020by BRENT MASON / CFP® CTFA The media and each of the candidates have done an... -
IRA or HSA—Which Should I Fund First?June 24, 2020Health Savings Accounts (HSAs) have only been around since 2003 but have rapidly been gaining... -
Quick Year-End Tax PointsDecember 21, 2019Lost in the noise of the impeachment hearings—the Secure Act (Setting Every Community Up for... -
2020 Retirement Plan ContributionsNovember 11, 2019It’s that time of year again! No, not time to get your Christmas decorations out... -
Tax Season...Limited Breaks Going ForwardFebruary 6, 2019You are receiving your W2s and 1099s as the first filing season under the new... -
Estate Planning SimplifiedJune 15, 2018Only 4 in 10 American adults have a will according to AARP, and a report... -
“GRAY” DIVORCEJanuary 24, 20187 Steps to Being Prepared to Be Single After Retirement Libby Wilkins, CDFA™ A divorce can be... -
Against The WindJanuary 12, 2018I love Bob Seger and the Silver Bullett band, and still crank up the volume... -
From the Desk of Casey TiniusDecember 4, 2017Find A Comprehensive, Fee-Only Fiduciary A “Financial Advisor” can come in many different shapes and sizes.... -
Hack-Proof Your Amazon AccountNovember 28, 2016It’s Cyber Monday for all you spenders, so we thought it would be appropriate to... -
The Most Important Question in Retirement PlanningOctober 29, 2016What is the biggest financial issue for most retirees? That they’ll outlast and outlive their... -
Summer Planning TipJuly 29, 2016It’s a dreary Friday morning so I thought it would be good to do a... -
The Employment ChallengeJune 17, 2016The one constant thing in life and the economy is that “change” is sure to... -
The Future of Taxes?March 2, 2016We feel that a sound wealth management plan focuses on making the most of the... -
Will stocks decline further? Answer: Watch the EconomySeptember 29, 2015We continue to focus on economic activity to monitor the outlook for earnings, which ultimately... -
Federal Govt StatusJuly 13, 2015The Congressional Budget Office (CBO) reported a June budget surplus for the federal government, which... -
Brace For The Media BarrageJune 16, 2015“The biggest big business in America is not steel, automobiles, or television. It is the... -
In Retirement, Money Isn't EverythingFebruary 19, 2015Financial matters are only one part of the retirement readiness equation. Have you considered the... -
Happy (almost) New Year!December 31, 2014Wishing all a prosperous and blessed start to 2015. The following is a timely poem... -
Give Me A RaiseNovember 19, 2014We continue to get inquires on our opinion of when interest rates will rise. A... -
Manufacturing in the Good Ole US of ASeptember 29, 2014You say what? Not in our country… it has all moved overseas, right? Well, we have... -
Obsession Over "Considerable Time"September 18, 2014The Fed concluded their two day meeting yesterday, and it held no real surprises. The... -
The SeasonsAugust 5, 2014We have compared investing to farming multiple times over the years. We believe there is... -
Rising Interest Rates in Your Future?July 28, 2014This week will be a busy one with Wednesday a key day as the release of... -
Do You Need a Mulligan?July 21, 2014I was raised to respect my elders and listen closely to their advice… there is much to be learned from... -
Taxing Issues.. Key Triggers for an AuditJuly 17, 2014IRS funding cuts have shrunk examinations to their lowest level since 2005. Only 1 return... -
Looking Into The FutureJuly 11, 2014We tweeted out an interesting statistic today from the Journal of Financial Planning that reinforces... -
Economics 101 - It's Supply and DemandJune 13, 2014Why have U.S. Treasury yields dropped since the beginning of 2014? The most convincing explanation may be... -
Markets Must Always CrashMay 22, 2014No, we don’t forecast any imminent drop in the markets. We just saw a good article... -
The GraduateApril 17, 2014HT.. to the folks at Gluskin Sheff on a piece focusing on the labor markets....
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Robotics.. The Next Big ThingApril 15, 2014This is very good read from the folks at Lord Abbett on Robotics. We are...
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Is Your 401(k) Ripping You Off?March 26, 2014Approximately 51 million Americans have invested an estimated $3.5 trillion in 401(k) plans, according to the...
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Where is Inflation?March 19, 2014We have written on numerous occasions about our real fear of deflation, and the fact...
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Rich Habits... Do You Have Them?March 12, 2014We hope you enjoy these success habits. Your daily behavior does determine your economic outcome. Early...
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It's Crunch TimeFebruary 24, 2014The severe winter weather in most of the country dampened January’s housing and other economic...
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Save, Patience and Resisting the ChaseFebruary 20, 2014We strongly feel that investors can enhance their long-term returns by avoiding three common mistakes: Not...
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Budgets Work.. Pay Attention to Your MoneyFebruary 5, 2014This is a great graphic from HelloWallet on the benefits of a budget. Budgets can be...
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Taxes... The New Weapon on the War on PovertyJanuary 24, 2014Statistics reported last year by the Tax Policy Center stated that families with incomes in the...
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Goals Instead of Resolutions?January 17, 2014This is a very good article by the folks at Behavior Gap that apply to...
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Rise of the MachinesJanuary 16, 2014CNBC had some guests on this morning talking about the advancements in technology, and the...
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Make the "Magic" HappenDecember 24, 2013It’s that time of year when Holiday cheer is spread and New Year’s resolutions are...
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High Stakes for Real Estate InvestorsDecember 13, 2013Rental real estate activities are per se passive, they may nonetheless avoid the passive loss...
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Stock Market ForecastsDecember 11, 2013Not sure why CNBC, Bloomberg and Fox Business put so much weight on the Wall...
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What Keeps Me Up at Night?December 4, 2013I got the famous question at the gym this morning… “What do you think the...
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Isn't 0% Bank Interest Low Enough?December 2, 2013The ¼ of 1% that the Fed currently pays US banks on the $2.5 trillion...
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Talking HeadsNovember 25, 2013I thought I would share a good post from Vanguard’s Advisor Blog written by Fran...
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What The Fed Isn't SayingNovember 17, 2013My kids loved the Harry Potter novels during their youth. The quote from the books...
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It Is The Season to GiveNovember 8, 2013The holiday season is closing upon us quickly, which means it is time to start...
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Perceived Safety... At A CostOctober 30, 2013In the current low-yield environment, it’s not uncommon to see low interest rates on Money...
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Still Waiting for WorkOctober 24, 2013The 2007-2009 recession took an enormous toll on the labor market. We believe that this...
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No More Stretch IRA?October 17, 2013A fantastic tax savings opportunity may be going away in 2014, as the Obama budget...
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Money Can Buy HappinessOctober 14, 2013We feel like it can, but you just have to know how to spend it. Buy...
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Work to Be DoneSeptember 25, 2013We have made a small dent into our public (Federal Govt) budget deficit, but significant...
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CommoditiesSeptember 23, 2013We continue to get asked about our opinion on investing in gold. We are in...
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The Selective Recovery.. Except for DCSeptember 20, 2013Even as the economy shows signs of improvement and poverty levels off, new U.S. census...
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Can We Escape?September 5, 2013We have been stuck in an environment of low interest rates for over three years....
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Wrath of the PeopleAugust 28, 2013It is painfully obvious that we have a major problem with our tax code. Last...
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Population by AgeAugust 14, 2013This is a really neat graph that visually helps you understand the advances in Health...
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Would You Eat Hamburger from a Printer?August 10, 2013The changes in technology over the last 15 years have been very rapid, but in...
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Give A Helping HandAugust 9, 2013I do believe that success in life is dependent on giving back to society. I...
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I Need Free AdviceJune 18, 2013We are stopped at regular intervals and asked “when will the market fall?”… The reason...
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KY Pensions... ScaryJune 16, 2013Detroit, MI is suspending payments on $2 billion of unsecured debt, marketing parking garages and...
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What Does Soccer Teach Us About Investing?June 3, 2013I played soccer in my youth, have children that play and love to watch the...
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Quick Facts on Upcoming Affordable Care ActMay 31, 2013Michael Kites wrote a good summary of an article in Forbes that is worth sharing:...
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An Endangered SpeciesMay 17, 2013No, it’s not an animal or plant that is facing a high risk of extinction....
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Haircut.. How Short Do You Want It?May 1, 2013I have gotten funny looks when I have commented that the US beat Cyprus to...
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Do You Have This Dilemma?April 26, 2013At times in your life it becomes very apparent that each day is a blessing....
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Improve Your Future SuccessApril 26, 2013“The best thing about the future is that it comes only one day at a...
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Financial Literacy - Flunking AgainApril 23, 2013This InfoGraphic came from a study by the National Foundation for Credit Counseling. Why are...
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Give Me An OpinionApril 17, 2013We have been very amused with all the news coverage over the recent steep drop...
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A New Type of War?April 4, 2013The new version of war could take the form of manipulating currency values as the...
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No April's FoolApril 1, 2013Very good article today in the WSJ on five really dumb money moves to avoid: 1....
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Will We Get Tax Reform?March 26, 2013We are in the camp that this would be beneficial if the system is simplified...
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Living in the Moment?March 25, 2013The Employee Benefit Research Institute published some alarming statistics from their most recent survey: 43% of...
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Passionate MindMarch 23, 2013These are great principles created by Peter Diamandis that can be applied to anything in...
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Be Sticky!March 12, 2013We encourage people to maintain their long term investment objectives that meet their personal risk...
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US Federal Budget by Family - Part 4February 28, 2013This is our final post on the subject. You can access the earlier posts by...
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US Federal Budget by Family - Part 3February 27, 2013Today we are going to touch on the major “flash” points in the Federal Outlays...
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US Federal Budget by Family - Part 2February 25, 2013Our initial post gave you a backdrop on where we stood as a country per family...
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US Federal Budget by Family - Part 1February 21, 2013Given the attention the Federal Sequestration is currently receiving in the press and popular discourse...
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QCDFebruary 10, 2013As part of the “fiscal cliff” tax compromise legislation passed on January 1, Congress reinstated...
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The Stealth TaxFebruary 7, 2013We are only 30+ days into the new tax changes emerging from the year-end fiscal...
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Citizens in The DarkFebruary 6, 2013I must admit that I was dumbfounded by the results of a series of studies...
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Can Money Buy Happiness?January 21, 2013Actually… we believe yes, but with some caveats. We think the key to success rests...
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Baby Boom Out... Singles Boom InJanuary 15, 2013This is a very interesting piece by Dr. Ed Yardeni this morning…. How will this...
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Technological UnemploymentJanuary 14, 2013This is a great video from 60 Minutes last night that is a good follow-up...
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Investor New Year's ResolutionsDecember 31, 20121. Act Your Wage 2. Spend on Experiences… Not Things 3. Understand Your Tolerance For Risk 4. Stay Ahead...
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Google VenturesDecember 27, 2012They have taken a very different approach to venture-capital funds that is very intriguing. This...
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$3,422,534,328.36December 10, 2012The total outstanding debt of the USA was $16.369 trillion as of 11/30/12 up from...
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Big BucksDecember 4, 20125% of the US population accounts for 49.5% of all health care expenditures. 10% of...
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Household IncomeDecember 1, 2012This is a great post from Big Picture blog that does a great job of...
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Body Surfing and InvestingOctober 10, 2012I read an article by Geoff Davey with FinaMetrica that does a good job of...
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Sad State of AffairsOctober 9, 2012I feel for young kids graduating from college today. I read an article by...
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Best of the Rest?October 1, 2012The yield on the 10-year Treasury note was 2.57% on 8/5/2011, the day that S&P...
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Good Riots?September 27, 2012Riots in Greece… Riots in Spain… but I was caught by surprise by a NY...
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Is The Dreaded D Word on the Horizon? Vote Your OpinionSeptember 13, 2012The inflation index for all items less food and energy has risen 2.1 percent over...
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World Debt ClockSeptember 4, 2012World Debt ClockThe clock is ticking!This is a really cool site on the Economist that...
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Humans vs RobotsAugust 23, 2012I found this article and video on the NY Times pretty fascinating. These advances will...
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Defining Risk... Potential for Permanent Capital LossAugust 21, 2012Interest rates today are inadequate for our retired clients to sustain their lifestyles…. Period.. End of...
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Housing.. The Economic Dark Horse?August 9, 2012Yes, Europe is a mess, China’s economy may be cooling down to red-hot status, US unemployment rate...
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Call Me Maybe?July 30, 2012We do feel like you should be reaching out to your mortgage loan officer to...
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Riddles in the DarkJuly 16, 2012I am making my kids read a classic novel before the movie hits theaters this...
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Financial MasochismJuly 9, 2012Returning from the beach to be greeted by 1.51% 10-Year U.S. Treasury yields, so I...
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Health Care is a Big BusinessJune 29, 2012We have held an overweight to the Health Care sector for serveral years. The Health...
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Revisiting the Health Care Tax...June 28, 2012In light of today’s Supreme Court decision we thought it would be good timing to...
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Who Would Have Thunk It... Where Is Technology Heading?June 26, 2012This is exerpts from the MIT Technology Review: At first glance, Thad Starner does not look...
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Black Markets... Sized UpJune 25, 2012Shadow economies – sometimes called the black market or informal economy – exist in every...
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The Small Business TaxJune 11, 2012Interesting graphic from the Chamber of Commerce: Browse more infographics.
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Future Wishes - Planning for End-Of-Life CareJune 8, 2012We cannot stress enough the importance of having a customized living will and health care...
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Does This Make Sense?May 25, 2012The Germans issued $5.8 Billion (in US $s) of two year notes this week with...
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Don't Lose My Money!May 8, 2012We have heard this statement echoed from a large number of our clients and friends....
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How Far Have We Come?April 30, 2012We have been placing a low probability of a rapid economic expansion in the intermediate...
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Grading the US Government 🙁April 20, 2012As we stated in our last post our biggest worry is our government wrecking the...
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Banking System - Post Financial CrisisApril 18, 2012We continue to be amazed at the hatred towards banks after the financial crisis. The...
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Student Debt and Senior CitizensApril 3, 2012This post by Calculated Risk was a shock to us on the demographics behind student...
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Greed is Good?March 24, 2012I loved this line from the 80’s movie Wall Street, but is it accurate? I...
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Pessimism...Our FriendMarch 9, 2012We continue to see individuals fearful of owning equities due to an aversion to potential...
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March 6, 2012We have commented to our clients in our meetings that Japan is a real danger...
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Pick Your Choice - Pile A or Pile BFebruary 28, 2012We have received numerous inquiries about our thoughts on precious metals over the past several...
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Risk in US Treasury Securities?February 21, 2012This is a great blog post by Global Macro Monitor last week that sums up...
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Banks still are Gov't TargetFebruary 17, 2012I received an interesting article from Tom Brown @ bankstocks.com today about the administration. The...
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Tightened UpFebruary 12, 2012I read an article in Baron’s this weekend that reinforced a big fear that will...
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Who are the Unemployed?February 5, 2012The soft patch in the employment picture last summer has turned around over the past...
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Common Audit TriggersFebruary 4, 2012In the spirit of tax season we found this link on the list of most...
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Hire a Financial Advisor or Go it Alone?January 15, 2012I recently ran across this response to a question by Walter Updegrave at CNN Money....
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