What Are Roth Conversions?

One of the tax-saving strategies getting a lot of attention in the news these days is the “Roth Conversion”. While sometimes portrayed as a technique used by the ultra-wealthy to shield their assets from taxation, the strategy should be considered even by us mere mortals as the potential benefits can be surprising. The heart of […]

The Power of Compounding

Often times in life we’re faced with decisions that pit us between choosing fun today or the not so exciting alternative of tomorrow. Like choosing between socializing with friends versus the never-ending list of yard work to be done every weekend. Choosing can be difficult, except afterwards when hindsight is 20/20. You may find yourself […]

Health Savings Accounts 101

Demystifying a Lesser-known Account That Just Might Be Right for You In recent months, several friends have switched jobs or changed healthcare plans, and as we’ve caught up on each other’s post-pandemic lives, health insurance and benefits have been hot topics of discussion. High Deductible Health Plans and the Health Savings Accounts that come with […]

To Buy or not to Buy (That is the Question…)

A common question which comes up early in one’s career and shortly after escaping the education system is: should I buy my own home, and if so, when can I comfortably do so? The current low interest rate environment and work-from-home protocols have made purchasing a home a more attractive option for many, but there […]

Contemplating your New Freedom

Do you believe in life after retirement? (Thanks Cher.) As a 29-year-old, the thought of retirement is nothing but an exciting and far-fetched concept filled with endless opportunity and a laundry list of things I hope to experience one day. Those wistful feelings can change dramatically as retirement becomes a quick approaching reality. Frequently, we […]

Planning for Incapacity and Long-Term Care (Yuk!)

In coming decades, medical advances and healthy lifestyles will allow many Americans to live past 90 and in doing so, increase their likelihood of needing long-term care. Planning for long-term care and incapacity is something that most people would like to avoid, and we understand. Planning for an eventuality where we put our care in […]

College Planning in an Age of Uncertainty

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 […]

2020 Year-End Tax Planning Opportunities

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 […]

Cybersecurity Best Practices

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 […]