Not to be overlooked is direct ownership of rental property, according to Kristin Sullivan, CFP, owner of Sullivan Financial Planning in Denver. “In the modeling for retirement income planning, I’ll often show the impact of keeping the rental property and using the income throughout retirement versus selling at some point in the future,” she said.…
What a transition to high school it has been for our family. Just when we think our son can’t surprise us with another unpleasant habit or friend or action, he does! At the root of it is depression and anxiety, so we are trying to react with understanding, but it’s hard when we are so…
Spoiling grandchildren can work out well for everyone involved if some ground rules are established first. “A really good way to start right is to ask your children — the parents of the grandchildren — what they would like to see in terms of ‘spoiling,’” said Kristi Sullivan, founder of Sullivan Financial Planning in Denver.…
Kristi Sullivan, a Denver-based certified financial planner, thinks an arrangement like Cenatiempo’s is fair. “You could have used those points for something else,” Sullivan said, citing how every room or flight you get for “free” via points means you’re trading off another way to redeem those rewards. “People don’t think of credit card points as…
I am so excited to announce my new and improved website! Thanks to Laura Bean of One Stop Ops for designing and making the new site work. Willy Wilson of Life Unstill Photography did her best to make me look attractive. And, as ever, Catherine Tidd of Social Seed Marketing provided invaluable advice on…
It’s time to start thinking about your summer garden plans. Here are 3 tips that are easy and inexpensive to beautify your outdoors. Recycle for outdoor art “Unwanted light fixtures, wooden barrels, hat boxes, wicker baskets, beer crates and wash basins can be easily converted into unique and eye-catching containers for plants. Scrap pieces…
Easter shopping tip: When buying your daughter that frilly new Easter dress, try to visualize how it’ll look with chocolate and grass stains all over it. ~ Melanie White Easter is the only time of the year when it’s perfectly safe to put all your eggs in one basket. ~ Unknown My mom used to…
In a recent article by ABC7Chicago.com, Spring, Texas retiree Terry Robison details his plans to spend his retirement living at the local Holiday Inn. He cites regular cleaning, someone to check up on him (in the form of the regular cleaners), free maintenance, and amenities included in the daily room rate as reasons for his decision.…
I recently watched a training video from Lucila Williams, principal of The Intentional Advisor, a coaching service for financial advisers. In it, she shows a system for identifying your ideal client. To me, this seems at least as important as describing yourself in the old elevator speech. The Elevator Speech If you are a…
Here’s a shocking bit of news: College is way more expensive now than it was when I was an eager new CSU Ram in 1990. There aren’t many families that will get out of college without some sort of loans to pay back. But how much is reasonable? Private student loans are unlike any…
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