Personal Finance

As we continue on our path to a financial plan the next stop is one that may get a little complicated and that is in the area of insurance.  Now there are many types of insurance and all are [...]

The next step in our journey to a financial plan is the estimation of any goals that require saving for, any college expenses that need to be accounted for, and how to better manage your taxes by [...]

In our last blog we examined how to start a financial plan by using budgets to establish the groundwork for everything else.  Just remember that budgets are not the equivalent of a four letter [...]

Are you saving enough for retirement?  Do you have your assets where they need to be to optimize taxes and potential returns?  These are just some of the questions I am sure people ask themselves [...]

The next six blogs will cover the basic steps involved in creating a financial plan.  Instead of creating a long single blog entry I have decided to break this topic up into six manageable blogs [...]

Are you planning your retirement?  Will you be retiring in the next 20 to 30 years?  If you are indeed planning your retirement and it will be in the 20 to 30 year time frame there are some [...]

Do you track your investments?  Are you diversified?  Are you too diversified?  These are some of the questions we must ask ourselves when we are investing in 401(k) accounts, brokerage accounts, [...]

Are you a federal employee or a uniformed service member?  If you answered yes do you participate in the Thrift Savings Plan (TSP)?  I have recently written an eBooklet on the TSP that is [...]

Are all index funds the same?  That depends on the index and how they measure it.  While most indexed mutual funds and ETFs are weighted based on the company’s market capitalization.  In this [...]

Do you have permanent life insurance and normally give to charity?  Are you in a position where you may not need the proceeds of a life insurance policy?  If so you may consider donating your [...]