Selected Services
Making healthcare, dependent care and flexible spending choices? Auto loans? Buy or lease? Refinance? 15 vs 30 yr. mortgage? Fixed or adjustable rate? Home equity line of credit? Best credit card?
Saving enough? How much will you need? Understanding your 401k, 403b or SEP plans? Social security expectations? Rollovers? Is a Roth or traditional IRA best for you? How to handle ESOP and stock options? Retirement health care? Annuities or reverse mortgages?
Worried about paying for college? Need help with the FAFSA process? Pre-paid tuition and dorm programs? 529 Plans? What is the most cost effective meal plan? What about student loans, grants & other financial aid?
Are you properly investing among stocks, funds, treasuries, bonds, & cash or certificates of deposit (CDs)? What are index or Exchange Traded Funds (ETFs)? Perhaps you pay too much in management fees?
We can help with health plan and homeowners, auto, life, disability, long term care, liability and umbrella choices. We sell nothing, so offer completely objective, unbiased advice for your specific situation.
Want to learn more or just need occasional guidance? We can coach you as you take control of your financial future. Whether breadth or depth, we will deliver tailored training for your specific need or situation.
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Maintain Perspective
Markets go up and markets go down. That’s what they do. But then again, you know that. That is why you have invested rationally in quality investments, diversified your portfolio among stocks, bonds and cash — and across industry and geography. So, why the anxiety following recent declines? Most likely [...]
12 FAFSA Tips
Don’t make these mistakes . . . 1. Not Completing the FAFSA Form I hear all kinds of reasons: “The FAFSA form is too hard.” “It takes too long to complete.” “I’ll never qualify anyway, so why does it matter?” It does matter. For one, contrary to popular belief, there is no income [...]
High Deductibles Got You Down?
Although 90% of Americans now how health care coverage, many struggle with the high cost of medical treatment. On top of the premiums, deductibles of $3,000 or more are are common. Here are a few tips that may help reduce your cost of medical care. 1. Know Your Options Your [...]
5 Key Steps
Step 1: Getting Started Assess progress against your baseline: Calculate your net worth: Make a list of all your assets and subtract your debts (or use a wealth-tracking app). This is the benchmark against which you can measure future progress. And don’t panic if your net worth declines during tough market periods—what’s important [...]
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