Perhaps your “babies” are reaching the age of earning their driver’s license, or maybe your babies are in the newborn stage. Regardless of their age, deciding whether to prioritize funding your retirement or your kids’ college fund is a common dilemma. Here are some factors to consider: How can you know if you’re on track… Continue reading Retirement Savings VS. Kids College Fund: Which Should I Focus On?
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Summer Activities and Their Impact on Your Taxes
Summer is a time for fun, but it’s also a good time to think about how your activities might affect your taxes. Here are some common summer activities and how they could impact your tax filing: Getting Married Wedding season is here! If you’re getting married, you can make tax season easier by doing these… Continue reading Summer Activities and Their Impact on Your Taxes
To HELOC or not to HELOC? That is the question.
A HELOC, or Home Equity Line of Credit, is a secured loan that uses your home’s value as collateral, allowing you to borrow against your home equity. People often use a HELOC for home improvements or debt consolidation. According to Investopedia, “Home equity loans have been around for nearly a century.” However, in the 1980s,… Continue reading To HELOC or not to HELOC? That is the question.
Financial Planning Considerations for LGBTQ+ Individuals and Couples
LGBTQ+ individuals and couples face unique financial considerations when planning for retirement and important life events. Francis is here to help you navigate them. The CFP Board mentions, “Financial planning strategies can be complex for LGBTQ+ couples; to begin, where you live matters. For example, not all states have robust anti-discrimination laws, which are important… Continue reading Financial Planning Considerations for LGBTQ+ Individuals and Couples
Why Are Bond Funds Performing So Poorly?
Conservative investors have long valued the relative stability of bond funds over stocks. So, the decline in value of both stock and bond funds in 2022 may have come as a surprise. However, the real shock for most has been the rapid recovery of stocks while bond funds remain in negative return territory. While markets… Continue reading Why Are Bond Funds Performing So Poorly?
Financial Health Day
As summer approaches, we all start dreaming about lazy days by the pool, weekend barbecues, and fun vacations. But before you dive into relaxation mode, there’s one more thing you should consider doing: taking a Financial Health Day. It might not sound as exciting as a beach day, but dedicating a day, or even a… Continue reading Financial Health Day
How to Purchase Your New Home
As we roll into the midpoint of the year, we are now entering the busiest time of year for the U.S. housing market. As you prepare to attend showings and make offers, consider the following seven steps to help get you from dreaming to walking through the front door of your next home: Remember,… Continue reading How to Purchase Your New Home
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AAPI Heritage Month + Financial Wellness
Exploring The Unique Financial Considerations for the AAPI Community Each May, Asian American and Pacific Islander Heritage Month is celebrated to acknowledge the rich cultural heritages and contributions of the AAPI community. This celebratory month provides us with a great opportunity to dig into the unique financial planning considerations and nuances around financial health specific… Continue reading AAPI Heritage Month + Financial Wellness
Introduce Some Friction
Let’s delve into the world of budgeting, which, let’s be real, isn’t always a walk in the park. It often involves resisting the urge for instant gratification, and that’s no easy feat. But hey, here’s a clever strategy: ever considered introducing a bit of friction into your budget? It’s like setting up little hurdles to… Continue reading Introduce Some Friction
