3 Small Moves that Make a Big Difference in Retirement   Saving for retirement doesn’t happen overnight. It’s an ongoing process that requires monitoring and tweaking your plan over many years to help ensure you have enough to meet your retirement goals.    Sometimes relatively small adjustments to your plan can make a huge impact on your [...]

Active vs. Passive Investing: Which Is Best? Investors and advisors alike have long debated the merits of active versus passive investing. As the markets have taken a downward turn over the last year in response to rising interest rates, this age-old question has emerged again. Passive investing seeks to generate average market returns and involves [...]

December College Newsletter   For high school seniors, December is an especially busy time. Not only do many schools have their final exams, but there are college applications and essays to finish. December also brings Early Decision acceptances right around the 15th. If a student is accepted by their first-choice college and that college uses [...]

November College Newsletter When Should I File the FAFSA?  As you may already be aware, the Free Application for Federal Student Aid (FAFSA) is not yet open and won't be until sometime in December or possibly January 1st. I've already gone over some of the major changes in September's newsletter.  FAFSA simplification has been a [...]

October College Newsletter As the harvest season slows down, Fall colors become abundant. Nature amazes and enchants us with endless shades of red, orange, and yellow. The days are getting shorter and finally cooling down from record high temperatures. Halloween will be here before you know it. And so will the first Early Decision Deadlines! [...]

How Does the New RMD Rule Affect Retirees? There’s good news for your retirement plan! Starting this year, the age at which you must start taking required minimum distributions (RMDs) from your tax-deferred retirement accounts has increased from 72 to 73 years old. In 2033, it will increase again to age 75. This new rule [...]

Transform Your Money Mindset Your relationship with money is more than just numbers in a bank account; it's a mindset that shapes your decisions and daily behaviors. Recognizing this profound connection, this article shared by Bob Chitrathorn aims to provide steps to help reshape your perspective on finances. By altering your attitude toward money, you [...]

September College Newsletter This Month's Highlights:  A New FAFSA Form is Coming-- Don't File Until You Read This    Major Changes in College Aid  Financial Aid Insider: One Hack To Increase Financial Aid There is a new sheriff in town, and a whole new supporting cast of characters.  I'm kidding of course, but there is [...]

Is One Million Dollars the amount needed to retire? I'm not sure why people even think that $1 Million is the magic number to retire.  Not sure who came up with that, not sure why people even believe that.  $1 Million is different for each person depending on so many variables.  You really want to [...]

Growth Stocks vs. Value Stocks Stock investing is an important engine of growth in your portfolio, but deciding on an investing strategy and particular stocks can be challenging. When designing a diversified portfolio that aims to manage risk, it can help to think of stocks as falling into one of two categories: growth stocks and [...]