Health Savings Accounts (HSAs) are one of the most powerful, yet often overlooked, tools in personal finance. They offer significant tax advantages that can help you save for both immediate and long-term healthcare expenses. An HSA is a tax-advantaged account that allows you to set aside money for qualified medical Read more…
As you approach retirement—whether it’s in the next few years or still a little further down the road—it’s completely normal to feel a mix of excitement, uncertainty, and maybe even a little anxiety. After spending decades building a career, retirement can feel like both a relief and a big unknown. Read more…
As tax season approaches, it’s essential to understand how to make the most of your 2024 tax return. With a little planning, you can maximize your deductions, minimize your tax liability, and ensure you’re taking advantage of every available tax break. Whether you’re filing on your own or working with Read more…
It’s a conversation most of us avoid, but end-of-life planning is something everyone needs to consider—especially as we get older. It’s not just about preparing for the inevitable; it’s about making sure your loved ones are taken care of, that your wishes are honored, and that important decisions don’t have Read more…
Divorce is hard – emotionally, mentally, and yes, financially. The end of a marriage can feel like a storm that hits unexpectedly, leaving your financial life in shambles, with a tangled mess of joint accounts, debts, and assets to untangle. But just like any difficult situation, the key to navigating a Read more…
It has happened to the best of us. With good intentions, you sign up for a “free” trial offer and forget to cancel the unwanted subscription. Before you know it, unbeknownst to you, your credit card is being charged monthly or annually for the subscription you perhaps never intended to Read more…
Do you have a 401k or Individual Retirement Account? What fees lurk inside it? Do you put too much trust in a financial advisor to keep your best interests in mind? If you do have an advisor, are they truly an advisor? Or are they putting you into investments that Read more…
Happy new year everyone! Soon, tax season for 2022 will be here, but there are several changes for this new year (2023) that will play out when you file your taxes in 2024. Several contribution limits have gone up and standard deductions are increasing. These are things you might want Read more…
There are several mindsets that exist around saving and spending money. There’s the “You Only Live Once (YOLO)” crowd who seek enjoyment today over a focus on the future. Then there’s the “save for a rainy day” mindset. This has you preparing and saving for the future, sometimes foregoing things Read more…
At this point, you’ve likely heard it all over the news. On August 24th, 2022, the Biden-Harris Administration announced a Student Debt Relief Plan (student loan forgiveness) that includes a one-time student loan debt relief payment targeted to low- and middle-income families. My job here is not to debate the Read more…