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Tuesday, January 17, 2023

If you have placed less than 20% down on a conventional home loan for a recent home purchase and continue to pay PMI,  listen to this.  You may be able to follow these steps and remove pesky PMI payments from your mortgage.I...

Friday, January 6, 2023

The employment situation in the USA remains strong and the Federal Reserve will use these numbers as a data point in future rate hike discussions.  Here are some key points from today's report.Key Data Points:The number of...

Thursday, January 5, 2023

The Secure Act 2.0 has just been signed.  We felt it our duty to explore this legilsation that was very simlar to what was provided back over a year ago.  In this blog we are going to discuss some of the key points we feel...

Tuesday, December 27, 2022

As a business owner, we are constantly looking for ways to effectively use the tax code in our favor, whether it be the effective use of business deductions or depreciation on vehicles.  W-2 employees do not have this same ability...

Tuesday, December 13, 2022

In a time of competition and an abundance of financial professionals, it is important to differentiate among the group.  Whether it be a personal relationship, a referral, or a random encounter, it is imperative to understand with...

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Friday, December 2, 2022

The news just hit the airwaves and it continues to look good for mainstreet.  Wall Street was coming into this report upbeat expecting Fed policy to finally be represented in the data, however, what was released is contrary to...

Tuesday, November 29, 2022

When you first engage a financial professional, many grow concerned that they will be placed on some kind of a budget.  As an adult, no one wants to be told when and where they can spend their hard earned money.  This is why...

Tuesday, November 22, 2022

Recessions are a common occurrence in the economic cycle. Right now all of the metrics are stating that we are headed towards a recession. The question is not if we are headed towards a recession, it should be more about how deep the...

Monday, November 14, 2022

A cooling inflation number ignited a powerful rally on Thursday, sending stocks to strong gains for the week.The Dow Jones Industrial Average gained 4.15%, while the Standard & Poor’s 500 added 5.90%. The Nasdaq Composite index...

Thursday, April 29, 2021

Choosing a financial planner is not a choice that should be made haphazardly. The planning relationship is no different than having your dentist, mechanic, barber, or any other professional relationship. This kind of relationship is...

Monday, April 19, 2021

As a CERTIFIED FINANCIAL PLANNER™, it is incumbent upon us to be balanced. In this current environment, a much needed tax diversifier is worth a legitimate conversation, and that tax diversifier is the Roth IRA. Many believe...

Tuesday, April 13, 2021

Should I buy term and invest the difference, or should I buy permanent life insurance? The age old question that has industry combatants palavering which is more prudent for all people. I decided to break down some key concepts and...

Friday, January 15, 2021

The personal savings rate in the United States, which is the amount of income left after taxes and household spending, has reached some significant milestones.In April, when much of the country stayed home to avoid the COVID-19...

Tuesday, August 4, 2020

With all of the storm and stress of the year 2020, you’d be forgiven if you momentarily forgot that we’re due for another national election in November. Many states will be selecting governors, representatives, and...