• The Ultimate Guide to Setting Financial Goals

    The Ultimate Guide to Setting Financial Goals

    Let’s face it – we millennials have unique financial challenges. From student loan debt to an ever-evolving job market, the pressure is real. It’s a lot. However, you can navigate these increasing challenges. Setting financial goals can be your financial North Star. Let’s explore how to establish your short-term and long-term financial goals and why…

  • How to Become Financially Independent: A Millennial’s Guide

    How to Become Financially Independent: A Millennial’s Guide

    Let’s talk about two compelling money concepts: financial independence and financial freedom. Millennials are redefining how we perceive money, and these terms signify more than just having plenty of cash in the bank. Defining Financial Independence So, what exactly is financial independence? It’s the point where your assets generate enough income to cover your living…

  • Get Ahead: Your Guide to Financial Planning

    Get Ahead: Your Guide to Financial Planning

    Want to eat all of the avocado toast and get all of your coffee out? Well, there is a way to afford it all. How? Financial Planning. Financial planning is like Apple Maps for your financial journey. It’s your road map to achieving your life goals, whether that’s buying a house, traveling the world, or…

  • Financial Things Every New Parent Needs to Consider

    Financial Things Every New Parent Needs to Consider

    As a parent, your primary concern is ensuring your children have everything they need to grow up healthy, happy, and well-educated. However, it is equally important to consider their financial future, particularly in today’s volatile and uncertain economic environment. In this blog post, we will explore some of the most critical financial considerations parents need…

  • Everything You Need To Know About Pay Yourself First Budgeting

    Everything You Need To Know About Pay Yourself First Budgeting

    Pay yourself first is a form of reverse budgeting, a financial management strategy recently(ish) gaining popularity. Unlike traditional budgeting, where you allocate a certain amount for each expense category, reverse budgeting starts with your income and encourages you to save a certain percentage while allowing you to spend the remaining amount freely. How Reverse Budgeting…

  • Should Stock Buybacks Be Regulated?

    Should Stock Buybacks Be Regulated?

    Share buybacks have re-entered the news lately as part of the CHIPS Act. The CHIPS Act specifically bars any firms receiving government money from repurchasing shares for a number of years. The CHIPS Act is a piece of legislation that is part of the Biden administration’s initiative to restore microchip manufacturing in the US. All-in-all,…

  • Everything You Need To Know About Target Date Funds

    Everything You Need To Know About Target Date Funds

    Target-date or lifecycle retirement funds have become increasingly popular over the past few years. These funds intend to help investors reach their retirement goals by automatically adjusting the allocation of assets over time. They are very much a “set it and forget it” approach to investing.  What are Target Date Retirement Funds? Target date retirement…

  • Bonds Are Back

    Bonds Are Back

    Bonds have not been a thing for a minute now. They have been boring for my entire financial career, offering negligible returns. A quick Google search for “bonds” will bring results for James and Barry, not the $46 trillion fixed-income market. When bringing up bonds in meetings with clients and prospects the past few months…

  • What. A. Year.

    What. A. Year.

    Financial markets are always a little weird. After all, financial markets reflect the behavior and sentiments of people, especially in the near term. Investors have experienced sentiment all over the place the past few years, from bleak circumstances to euphoric speculative nonsense, and back again. 2022 will probably go down as one of the market’s…

  • Best Short-Term Investments Right Now

    Best Short-Term Investments Right Now

    It’s no secret that the Federal Reserve has rapidly increased interest rates in 2022. While those rapid increases have killed investor sentiment in the stock market, they have made short-term investments appealing again. Short-term investments can vary significantly in length, quality, and restrictions, and this guide will help you sort through them. What are short-term…

  • When Are Home Prices Dropping?

    When Are Home Prices Dropping?

    Various factors are pushing housing to extremes that have not been seen in generations, if at all. Home prices are just off all-time highs, while mortgage rates are at the highest in over a decade. With mortgage rates increasing so quickly in 2022, people wonder when home prices will drop. Ultra-low mortgage rates and a…

  • 26 Ways to Use Your FSA

    26 Ways to Use Your FSA

    What is a flexible spending account, or FSA? As the year winds down and open enrollment begins, it’s a great time to look at your flexible spending account. FSA stands for flexible spending account. It allows you to use pre-tax money (saving you on taxable income) for healthcare. You choose the amount you wish to…