I’m self-employed. How do I save for retirement?
When I left corporate, I was worried about not having a 401(k). Then I learned about the SEP IRA, and for my situation, it worked even better. A SEP IRA lets you contribute a significant amount toward retirement based on your self-employment income, up to the IRS annual limits. Those contributions are tax-deductible, which can […]
The biggest difference between Roth, IRA and 401K
Most of us weren’t taught much about retirement accounts growing up, until we got our first job. Even then, we were handed a bunch of options in our onboarding paperwork and told to pick one. I remember when I first started my banking career, my mentor told me “Do yourself a favor, and contribute 20% […]
Your Brain May Be Costing You Money
I remember my first job out of college. I was 21 years old and had worked at the company for about a year when I decided to leave. Shortly after, I got a call from HR asking what I wanted to do with my 401(k). “Can you just send me the money?” I asked. “Yes, […]
Understanding Money Behaviors in Someone with Dementia
“Why must you sleep with your purse under your pillow? No one is going to take it from you,” I said, frustrated. My mom would take her purse everywhere—to the bathroom, to bed, from room to room. She’d cling to it while she slept or hide it in peculiar places. Then I realized something. That […]
How to Prepare Your Finances for a Recession: 3 Steps to Take Now
In my 20+ years as a financial advisor, I’ve learned one recession or unplanned event can make you or break you if you’re not prepared. You’ve put in the time to build what you have, don’t let your hard work go to waste. Here are 3 practical steps you can take this summer to improve […]
Don’t Die Without This! 3 Steps to Protect Your Assets and Family
Summer’s here and while you’re planning vacations and barbecues, one of the best things you can do is protect your estate. Because let’s be real, your family probably wants the fortune you’ve built over the chicken you’re grilling. Unfortunately many people leave behind a financial mess that the courts end up making decisions over so […]
Find Money You Didn’t Know You Had
Mid-year is a great time to not only do spring cleaning but take inventory of your finances. When most people tackle spring cleaning, they stumble across things that have been missing for a while. “Oh, that’s where my favorite t-shirt went!” The same thing happens with our finances. Accounts we forgot we had, subscriptions quietly […]
Are You Investing or Just Gambling?
Many people today think they’re investing when they’re really just chasing hype. They buy trending stocks, follow social media advice, and call it a portfolio. But what happens when the market drops 30%? Most people don’t know what to do. Real investing is not about quick wins. It’s about building a strategy that can survive […]
2026 Charitable Giving Tax Change
Beginning in 2026, new tax law changes may reduce the value of charitable deductions for many higher-income earners. One of the biggest changes is that charitable contributions may only become deductible after exceeding 0.5% of your adjusted gross income (AGI). Simply put, this means a portion of your charitable giving each year may no longer […]
Love Alone Won’t Build Wealth
Recently, I saw a married couple sitting in a café talking through investments and financial goals together. And honestly, that is what wealth really looks like. Not flashy purchases, Not appearances but Partnership, communication, and strategy. The truth is, you can deeply love each other and still fail financially together. Romance won’t fund retirement and […]