One of the most important undertakings facing new parents – and grandparents – is planning and saving for the future educational expenses of the family’s new addition. As a new parent myself – of twins no less – it has become remarkably clear how expensive school will be in several years. As an example, the […]
What a year 2020 has been! If there has ever been a year that defied prediction, 2020 has been it. It serves as a good reminder that predictions are far from certain. That being said, financial planning is all about making educated predictions of the future and identifying future risks. Tax opportunities often come from […]
As the world around us continues to become more and more digitized, it is important we are aware of the many ways in which our personal information can be compromised. Hackers and spammers can obtain much of our personal information these days without much effort. By using computers, digital criminals can crack your passwords and […]
One of the great lessons of 2020 is that it’s never too early to plan. At a national and household level, conversations are being had about financial planning, being intentional with resources, and looking towards the future. Most young earners have watched their lives and finances grow more complicated over the last few years but, […]
The CARES (Coronavirus Aid, Relief, and Economic Security) Act of 2020 provides a huge boost to business and individuals to keep the economy afloat. The most talked about provisions are direct payments to many individuals and couples (actually a new refundable income tax credit that is scaled down based on 2019 adjusted gross income), lending […]
Please join us in welcoming Allison Miller, who joined Armor in August as an Associate Financial Planner. Allison supports the firm’s lead advisors in providing holistic financial planning and wealth management services to our clients. From 2016 until 2019, Allison was a Financial Planning Associate for a large, independent RIA in the Baltimore area, and […]
When Walt, Jeff, and I joined together in 2007, I was the designated technology expert and we introduced state of the art systems that served us well for many years. But time moves on and technology evolves. Over the last twelve months, under the guidance of our Director of Operations, Graham Shepherd, we have made […]
Every year or so, I feel the need to write an article about the Fiduciary Standard because large financial firms or regulators muddy the differences between true fiduciary firms and product salespeople like stockbrokers and insurance agents. In January 2017 I wrote on this topic when the Department of Labor introduced new regulations (which were […]
If you’ve met with our team recently, you’re probably familiar with our “Risk Analysis Grid” that is used to guide financial planning meetings. One area of the grid that I’ve spent time talking about lately is “Education Cash Flow Planning”. Fall semesters are right around the corner, and with many of our clients transitioning their […]
If you’ve met with our team recently, you’re probably familiar with our “Risk Analysis Grid” that is used to guide financial planning meetings. One area of the grid that I’ve spent a lot of time in lately is “Retirement & Financial Independence Cash Flow Planning”. Financial Independence sounds wonderful, but when the rubber meets the […]
