You Are the Conduit

You Are the Conduit

“You can’t take it with you” is a common phrase I hear when it comes to money.  Another great one I heard this week from a client is, “we are all just conduits.”  In other words, money flows through us while we are here, and continues to flow, even after we...
The Rabbit Hole

The Rabbit Hole

Have you ever gotten to the end of the month, looked at your bank account balance, and asked yourself, “Where did all the money go?!”  Or worse, had a spouse ask you this.  (The last one is from my own experience on numerous occasions after 27+ years of...
Helping the Next Generation

Helping the Next Generation

3 Things You Can Do As a Responsible and Loving Adult Many parents ask me about what they can do to help their children achieve financial independence.  They may have different ideas in mind: a college fund? A financial gift at some important milestone? A car,...
The Good & Not So Good of Low Interest Rates

The Good & Not So Good of Low Interest Rates

We are in a period of the lowest interest rates ever.  If you are borrowing money, these are some of the best of times.  We have never been able to borrow money for homes, businesses, cars, etc. as low as we have been able to this past year.  As a...
Unpleasant Tax Surprises: Social Security

Unpleasant Tax Surprises: Social Security

Ah, taxes, everyone’s favorite subject!  To be fair, I have friends who actually enjoy diving into tax tables and itemizing deductions, which is wonderful!  But that is not the majority of people I know.  Our tax system is challenging.  Yet, we all...
Be Prepared

Be Prepared

My son Matthew earned his Eagle Scout several years ago.  The Eagle Scout motto is “Be Prepared,” and the program’s focus is to help boys and girls be ready to face various challenges in life.  I was thinking of that training often this...