Identity Theft: It’s Easier Than You Think!

2017-11-22T11:21:35+00:00

With recent data breaches in the news – from Target and Home Depot to Sony, Anthem and government agencies – I decided to attend a talk last week on identity theft. I used to regard this as one of those “not likely to happen to me” things. Not any more. What struck me most in the presentation was the amount of effort needed to relieve people of their money: i.e., not much!

Identity Theft: It’s Easier Than You Think! 2017-11-22T11:21:35+00:00

Pay Off the Mortgage or Save For Retirement?

2017-11-25T07:22:51+00:00

The idea of paying off the mortgage – usually our largest single debt - has an iconic and seemingly straightforward appeal. But is it really the best financial strategy? The analysis of the relative benefits of paying off a mortgage versus saving for retirement can be complicated. To answer the question it is important to consider your individual situation. Are you close to retirement age, or many years away? Do you have significant retirement savings or not? What tax bracket are you in and how much benefit do you receive from the mortgage interest deduction? Will the returns on your retirement investments exceed what you are paying for the mortgage? I will provide some guidelines to help you think through your particular situation. If you are already feeling dizzy contemplating the range of factors affecting such a decision, you are not alone. Professional guidance may be needed.

Pay Off the Mortgage or Save For Retirement? 2017-11-25T07:22:51+00:00

Ten Tips for Financial Wellbeing

2017-11-25T07:24:24+00:00

I love lists like this; they almost always include at least one idea worth pursuing. I hope the same will be true for you here. In offering these top ten tips my wish is to help you start the New Year making conscious choices about money and spending in ways that support your values. Money […]

Ten Tips for Financial Wellbeing 2017-11-25T07:24:24+00:00

5 Truths to Retire Wealthy

2017-11-25T07:30:04+00:00

As I sit to write this piece it seems like these things have been said before. So, why write it? The answer is that we all need to be reminded. It is so easy to let our financial life coast on autopilot. Suddenly ten years have gone by and you’re still struggling to save, pay off credit card debt or make real progress toward retirement. Look at these five and ask yourself, what have I been neglecting and what can I do to improve my situation?

5 Truths to Retire Wealthy 2017-11-25T07:30:04+00:00

Why You Should Login to the Social Security Website

2017-11-25T07:32:09+00:00

Regular statements or not, it is highly recommended that you login to the Social Security website, ssa.gov. The number one reason is to periodically verify that your earnings record is accurate. The SSA can make mistakes just as any other large business or organization can.

Why You Should Login to the Social Security Website 2017-11-25T07:32:09+00:00

For Business Owners Planning to Retire

2017-11-25T07:42:52+00:00

Many business owners assume that the effort spent throughout their working lives building a business will simply be transformed into a retirement solution by selling the business when the time comes. They will be set for life. The truth is that many stars must align to realize this dream.

For Business Owners Planning to Retire 2017-11-25T07:42:52+00:00

Top 10 Tips for Financial Well-Being

2017-11-25T07:43:17+00:00

I love lists like this; they almost always include at least one idea worth pursuing. I hope the same will be true for you here. In offering these top ten tips my wish is to help you start the New Year making conscious choices about money and spending in ways that support your values. Money and quality of life are integral to our sense of well-being and our outlook for the future. By aligning your values, goals and actions you take steps today to create a more meaningful life and future, regardless of your financial resources.

Top 10 Tips for Financial Well-Being 2017-11-25T07:43:17+00:00