Yep, it’s been a while since we last had a recession. And while I don’t know if we are in one now (that’s something you don’t know until it’s over), the 2022 market losses probably feel recession-y to you. You may have forgotten what they are like, so here is a fast FAQ on recessions.…
I bonds are getting a lot of interest because inflation is finally up. Over the past 10 years, the return has been around 2%-3% average over the long term. Consider these things about I Bonds: You can only put $10,000/year per Social Security number in them per year. You must hold them for 1…
Do you feel like the financial services industry is plotting to sell you yet a new way to invest your money? Do you wonder if investment companies are constantly looking for a way to make themselves seem smarter than you and justify charging you fees? You are right! Enter the idea of Direct Indexing. …
Your home may be your largest investment. Unlike your 401(k), it needs more active involvement to grow in value over time. Not to mention be enjoyable as your shelter and sanctuary. If you are like me (not a big do-it-yourselfer), here is a list of some easy jobs for spring. Refresh your front door.…
Dear Readers, Allow me to introduce you to estate planning attorney Brandon Rains. Brandon is an experienced estate planning and business planning attorney practicing in the Denver Metro and Fort Collins areas of Colorado. The Rains’ Law Firm values include Compassion, Comprehensiveness, Family First, Integrity, and Purposefulness. Brandon has kindly answered my questions…
As financial advisors, we can be worried about offending our clients. We may not tell you the hard truths when you are dithering about your accounts going down. The tendency to handle clients with kid gloves could be harmful because we don’t just tell it like it is. I think you can handle it.…
Anxiety. We’ve all got it. Germs, jobs, raising kids, Russian invasions; the reasons for sleepless nights are endless. I can’t cure them all, but here are some ideas if your worry set is centered on being retired. Fear #1: Running out of money. Pretty much all other worries fall under this one. Solution: Meet…
Here are some examples of how your CPA is feeling right about now: A 2-week-old bar of soap in a public bathroom in the 1980s. A cast member of The Walking Dead – zombie or apocalypse survivor, your choice. A parent of colicky triplets. Add in a labor shortage and clients getting documents…
What do different sized nest eggs mean your financial security? Having several hundred thousand dollars saved is a huge accomplishment, but do you know the sustainable annual income those savings will support? Let’s take Abimelech: He is aged 66 ish, eligible for his full Social Security benefit. The average Social Security payment in 2021…
Welcome back to my WTF (What the Finance) series! Are you experiencing FOMO because all your friends are talking about investing in Qualified Opportunity Zones at parties and you aren’t in the action? Probably not. But, if you want to be the smarty pants friend at the hoe down, here is a very basic…
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