Every year we discuss estate documents with our clients. Recently, we asked some long-time clients if their young adult grandchildren had healthcare powers of attorney. This is why: When your child turns 18, they legally become an adult—even if they’re still in...
A client named Greg recently reached out with a great question: “Have you rebalanced my accounts this year?” It’s a question we don’t get very often, but it speaks directly to the importance of disciplined portfolio management. For us, rebalancing isn’t a reactive or...
When planning for college, don’t let the sticker price scare you off. The real cost of college is often much lower—and the best way to find out is by using the school’s Net Price Calculator (NPC). The NPC estimates what you will pay after grants and scholarships are...
Money is more than just a tool for transactions—it’s a reflection of our values, fears, and beliefs, many of which are shaped in childhood. The way we were raised plays a powerful role in how we approach financial decisions as adults. If you grew up in a household...
The passage of the One Big Beautiful Bill (OBBB) has ushered in sweeping reforms to how American families plan and pay for college. Whether you're a parent saving for your child’s education or a student navigating financial aid, here are the top three changes you need...
We recently had a conversation with Amanda, who is retiring at the beginning of the new year. Her personal disability policy is coming up for renewal, and she was curious if she should keep it. The primary purpose of disability insurance is to protect your earned...
As a financial advisor, my role goes far beyond crunching numbers and recommending investments. It’s about understanding your values, your goals, and especially your perspective on money…
Recently a client assumed the role of caretake for her mother. The mother had recently gone into assisted living so the daughter sold the home to generate cash to help pay for some of those expenses. She asked us how she needed to invest the money. She needed quick...
If you're asking yourself whether it's worth applying for financial aid, the answer is YES—no matter your family's financial situation. Many believe financial aid is just for those with major need, but that's not the whole story. Applying for aid is a smart move for...
A question we sometimes get is, “Are you a fee-only advisor”? In other words, is all your revenue derived from fees paid to you by clients, either for planning or investment management, or do you receive any commissions from companies for distributing their financial...