One of the more common questions I am asked by clients during the discussion of their debt situation is “Should we be using credit cards?”. If you have ever watched any of the personal finance shows on TV, you would hear Dave Ramsey, Suze Orman and others typically dismiss all credit cards as bad debt […]
If you pay attention to a lot of personal finance advice, one of the first pieces of advice that you get is to start a budget and start cutting major expenses. As a financial planner, we would rather focus on increasing your income and focusing on saving, rather than try to control and cut the […]
It starts with that uneasy feeling in the back of your mind that not everything is perfect. Then, you start feeling uneasy or anxious any time you see that bank statement, credit card statement, or your latest 401k or investment account update. In almost every situation, people will typically wait too long in order to […]
For most people, their 401k plan will represent their second largest asset after their home, and, most certainly, their largest retirement savings tool. Unfortunately, those very same people will likely spend more time planning their vacations or researching their next vehicle purchase, than they will planning for their retirement and managing their investments. Here […]
