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Ugh, If You Must…

Financial Education, Investment Education, Personal Finance, UncategorizedBy Kristi SullivanJune 14, 2021

…invest in the latest fad, at least do it prudently.  This is sort of like your mother saying, “If your friends jumped off a cliff, would you?  Yes?  Then, please pick a small cliff.”   I know that my position in putting money in the latest social media darling investment is clear.  But, just to…

How Much is Enough?

Financial Education, Investment Education, Personal Finance, Retirement Savings, UncategorizedBy Kristi SullivanJune 7, 2021

To continue the theme – or maybe you call it a months’ long rant – about why Robinhood/Bitcoin/Reddit, etc. cloud the concepts of real, grown-up investing, I’d like to show an example of rates of return and life.   Scenario:  Joe is 40 years old and has $500,000 saved for retirement.  Good job, Joe!  Joe…

The Tortoise (Diversified Portfolio) vs. The Hare (Bitcoin)

Financial Education, Investment Education, Personal FinanceBy Kristi SullivanJune 1, 2021

I’ll try to make this concise:  This clamor for Bitcoin/Game Stop/SPAC returns and shunning of traditional investment portfolios is nothing new.  See my 5 Famous Bubbles Blog for a reminder.   What seems to get lost in all the clamor of investing for the biggest returns (damn the torpedoes, etc.), is WHY are those returns…

Uh-Oh, Robinhood-ers! Sheriff Nottingham is Coming for His Taxes!

Financial Education, UncategorizedBy Kristi SullivanMay 24, 2021

The only thing I like about this whole Robinhood trading platform is how much it makes me think of my favorite Disney movie, the 1973 animated classic Robin Hood!  And who is the bad guy?  Watch for a little reminder.   What are the social media addicts trading GameStop and AMC Entertainment missing?  Yes, the…

Summertiiime…And the Financial Planning is Eeeeasyyyyy

Personal FinanceBy Kristi SullivanMay 17, 2021

No, the title is not a typo.  Click here if you need a reminder of a classic tune.   Now that you are singing, here are three reasons why summer is a great time to do financial planning.   Financial advisors are not under the gun for any tax deadlines (year-end activity, tax filing business)…

Three Tips in Three Words for When the Stock Market Drops

Investment Education, Personal FinanceBy Kristi SullivanMay 10, 2021

When is the best time to plan for a stock market dip?  When the stock market is going up.  No fancy language today!  Just three easy reminders of what to do when you see your account balance take a big hit.   Don’t Do Anything Buy More Stocks Call Your Advisor   Repeat that 9-word…

Who’s Afraid of Big Bad Medical Insurance?

Financial EducationBy Kristi SullivanMay 3, 2021

Know what one of the best parts of being a financial planner is?  Making friends with other fantastic financial planners!  Today, I am excited to introduce you to Addie McHale, CFP ® of Moneyfull.  Addie is an expert on navigating the individual medical insurance market, among other talents.  Read on!   Q:  People are often…

Three Ideas for Charitable Gifting

Financial Education, Personal FinanceBy Kristi SullivanApril 26, 2021

The bad news is, well, there is a lot of bad news.  The good news is that when there is a lot of bad news, Americans can be counted on to step up and help each other.   Our intentions are good, but are we gifting the best way?  Sure, I’ll whip out the credit…

Can’t My Savings Make More Money?

Financial Education, Investment Education, Personal FinanceBy Kristi SullivanApril 19, 2021

Ultra-low interest rates present a dilemma:  Great for borrowers (both companies and individuals), potentially great for the stock market, but terrible for people who need risk free savings for emergencies or retirement income.   Unfortunately, if you need your money within 1-2 years to spend, there’s not much I can suggest.  No growth is the…

Is a No Income Tax State Right for Your Retirement?

Financial Education, Retirement SavingsBy Kristi SullivanApril 12, 2021

Much is made of making your permanent home in retirement in a state that has no state income tax.  I posit that there are other considerations.  First, what are the no-income-tax states?  They are Alaska, Tennessee, Wyoming, Florida, New Hampshire, South Dakota, Texas, Washington, and Nevada.   Question #1:  The MOST important consideration is do…

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Kristi Sullivan, CFP®, is your trusted partner in financial planning. With 27 years of expertise and a commitment to personalized service, Kristi helps clients navigate the complexities of wealth management, retirement planning, and investment strategies.

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