How Much Do I Owe You?

May is a great month for so many reasons – beautiful weather, the kickoff of summer and best of all 11 more months before we have to file taxes again!  As sure as May is to bring us reasons to smile, April can be a little more moody.  Rain and persistent cold can pop up out of nowhere and filing our tax returns can often lead to a surprise tax bill we weren’t anticipating. It’s easy to neglect our tax withholding.  Our lives are busy and many of us assume that our employers are withholding… [read more]
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The Solution to Maintaining a Budget is Awareness

(from Carl Richards’ in the 4/25/2016 New York Times – click here for the original post. Carl Richards is a financial planner in Park City, Utah, and is the director of investor education at the BAM Alliance. His latest book is “The One-Page Financial Plan: A Simple Way to Be Smart About Your Money.” Hundreds of his sketches about investing, money and behavior are archived on the “Your Money” page.  Follow Carl on Twitter @behaviorgap.) I talk to many people who have problems with spending. Sometimes it’s friends. Sometimes it’s… [read more]
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It’s Worth It

Wills, living wills, health care powers of attorney, beneficiary designations, and trusts – these are terms you probably recognize from every article that’s ever been written on estate planning.  For most people, estate planning is on the nagging list of ‘things I know I’m supposed to do, but don’t, and feel guilty about.’ When you’re rushing to your kid’s soccer practice, trying to keep up with your workload at home and the office, and otherwise living a full life, the last thing you want to make time for is something as unpleasant as deciding who… [read more]
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When Out of Order Works Just Fine

When meeting with clients, the first item on our agenda is to ask if there are any pressing issues, concerns, needs or major changes they have experienced since the last time we met. These questions often lead to discussions that relate to some other part of the agenda or take us on an entirely different tangent.  It is not uncommon for clients to apologize for getting us off topic or pulling us away from what we had planned to discuss. We always insist that no apologies are necessary, but that’s an incomplete response.  There’s more… [read more]
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