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...

Retirement Planning: To Roth or Not to Roth?

Reading Time: 4 minutes When saving for retirement, it often makes sense to contribute to employer-sponsored retirement plans to take advantage of any available employer match opportunities. However, not everyone has access to an employer-sponsored plan. Even if you...

Are you accounting for capital gains in your return?

Reading Time: 2 minutes An issue that is overlooked by many people is the tax piece of a portfolio. Very few advisors will discuss an after-tax return because they will have to account for the inefficiencies that we see impact many client’s portfolios. What are the...

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...

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...