Creating a Business Plan for Small Businesses

Reading Time: 2 minutes Your business plan is an important part of creating a business and a critical tool for drawing in lenders and investors. If you’re thinking about launching a small business or if you want to take your small business in a new direction, a...

Estate Planning for Your Digital Assets

Reading Time: 4 minutes What will happen to your Facebook account when you die? What about all your photos shared on social media, your texts with loved ones, or documents on cloud-storage systems? In just the two-year period from 2012 to 2014, humans produced more...

Shirtsleeves to Shirtsleeves in Three Generations

Reading Time: 2 minutes The Scottish proverb “shirtsleeves to shirtsleeves in three generations” describes the cycle of families starting with little means who build their wealth through hard work, but by the time great-grandchildren are in charge, the family is back...

Should You Refinance Your Home?

Reading Time: 2 minutes This question as to whether you should refinance your home has been popular recently as mortgage rates are falling to new historic lows.  In the 1970s and 1980s, it was common to see interest rates in the double digits.  Fortunately, rates have...

Planning for the Cost of Healthcare

Reading Time: 2 minutes Helping clients plan their financial freedom requires a serious look at the impact of healthcare costs. The fact is, as we age, we increase our chances that we will spend more on healthcare-related expenses. It is not just for treating ailments...