Are You Prepared for a 30 Year Retirement?

The good news? Retirees are living longer. The bad news? Many aren’t planning for it financially. Life expectancy is a key piece of retirement planning. After all, you’ll need to estimate your lifespan to determine how much money you’ll need to retire comfortably. Many pre-retirees speculate on this figure or overlook it entirely. So, how […]

Defining Your Money Values

Understanding your money values seeks to ensure that your financial decisions align with what matters most to you and your family. These values serve as a foundation for making consistent, purpose-driven choices, while potentially reducing financial stress and potential arguments. For instance, prioritizing education might mean setting aside funds for college rather than opting for […]

Should I Pay Off My Mortgage?

Being unsure whether to pay off your mortgage or not is a good problem to have. It means you have significant savings and have afforded yourself some choices. While the idea of being debt-free is appealing to many, there are also compelling reasons to keep your mortgage. Let’s explore both sides of the debate to […]

5 Things You Didn’t Know About 529 Plans

When it comes to saving for your child’s education, 529 plans are a popular choice due to their tax advantages and flexibility. However, there are several lesser-known aspects of 529 plans that can enhance your saving strategy. Here are five things you might not know about 529 plans: 1. You aren’t limited to the 529 […]

Retirement Is About Experiences, Not Purchases

Retirement gives us something incredibly rare: time. Time to reconnect with what matters, explore new passions, and create moments that stay with us. But when it comes to how we use that time – and money – it’s easy to default to things we can buy. Here’s another way to think about it: How can […]

The Hidden Cost of DIY Investing

Doing your own investing has never been easier. The tools are accessible. The fees are low. The online resources are endless. But there’s one cost that often gets ignored: financial confidence. 1. Confidence Feels Easy in Good Times When markets are calm and rising, it’s easy to feel in control. A few smart moves can […]

5 Financial Misconceptions About Retirement

Planning for retirement is often seen as a straightforward task, but misconceptions can undermine even the best intentions. These myths, if left unchecked, can result in financial shortfalls or a less enjoyable retirement. Let’s explore five common misconceptions and how to avoid them. 1. “I’ll Spend Less in Retirement” Many people believe their expenses will […]

The Value of Financial Advice

There’s growing evidence of the value that financial advisors bring to the table, beyond investment management. This concept, often referred to as “Advisor Alpha,” has been championed by Vanguard and does a great job illustrating the many hats a financial advisor wears. Our goal for you, whether you’re our client or not, is to get […]