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How to Create a Money Mindset

13 habits and behaviors successful people embrace to manage their financial life

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How much do I need to save for my children’s college?

Recently my wife and I have renewed our effort to save money for our children’s college education. Read More...

Why I became a CFP® Professional 

I recently completed my CFP® certification and I am very glad that I did. There are several individuals in the financial services industry that call themselves Financial Planners or offer advice. What does that mean? 

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Tracking income and expense by creating a statement of cash flows.    

I think having a family is very similar to operating a small business. One of the essential tasks of running a business is analyzing monthly/yearly income and expenses known as the statement of cash flows.   Read more... 

5 Things you need to know when turning 65 and qualifying for Medicare.

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Creating a Net Worth Statement.

What is a net worth Statement?

A net worth statement or balance sheet is a snapshot of all your assets and liabilities at a given point in time. To get your net worth you simple subtract liabilities(debts) from your assets (personal use property, investments, cash(checking and savings accounts)).  Read more...

HOW TO CREATE AND MAINTAIN A BUDGET

Tracking expenses and following a budget may seem to be a painful experience but is a foundational step toward reaching financial goals  ...

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WHAT ARE THE INCREASES IN THE PRICES OF GOODS AND SERVICES AND WAGES OVER THE LAST 18 TO 20 YEARS?

I have always found the prices of good and services and an individual and/or a families ability to afford to buy them very interesting. We all have our own stories about the reality of how much things cost in todays world versus our personal earnings. For me this emphasizes the importance of making smart decisions around money.  Read More

 

403(b) and 457 Retirement plans for medical and academic professionals.

 If you work in a Hospital, University or College, you have more choices than most employees in the private sector.  Retirement plan options for medical and academic professionals include state pensions, 403b, 457 or 401k or some combination of the two.

 In this article we take a closer look 403b and 457 retirement plan options. Read More

 




What is the difference between existing TRS retirement plan and 2018 proposed changes?

I was looking for an older post outlining the proposed changes to Kentucky's retirement system when I came across this website https://pensions.ky.gov/Pages/index.aspx. The site goes into great detail about the proposed changes to the teacher's retirement system. One link, in particular, caught my interest, it is a side by side comparison of the existing versus the proposed changes in the Pension Reform Bill. Read More..




How the new tax bill could impact your expenses?

There have been several articles about the new Tax Cuts and Jobs Act signed in late December by Donald Trump. We are going to look at overview of the TCJA and how the changes could possibly affect some different wage earners. Read More


5 Steps to Financial Planning: A "Quick Start" To Do List

Congratulations on taking the first step toward your best financial life! 

This is an incredibly exciting decision you've made - and I hope this

"quick start" to do list help you get the ball rolling. Read More