Market insights to aid in financial planning

Planning Tips

By John Jespersen Financial Planning Focus: Do You Have a High-Deductible Health Plan? Are you contributing to an HSA plan? Are you spending your HSA contributions on medical expenses? Does your HSA provider offer a good array of investment choices? If the answer is yes, then our financial planning conversation must include the topic of Health Savings Accounts (HSAs). As …

Qualified charitable distributions are an extremely valuable tool for individuals who want to give money to charity.

Answering a Key Question on Maximizing Charitable Giving

Giving Tuesday 2018 was a record breaker. Donors made 3.6 million donations, totaling more than $380 million in the U.S. alone. That is up from $274 million raised on Giving Tuesday in 2017. Keep in mind that we’re referring to JUST ONE DAY—Giving Tuesday, which takes place the Tuesday after Thanksgiving. Most of us have a cause that is near …

Hiring a CPA may help save money on income taxes

Tax Savings for Small Business Owners

For many small business owners, saving money on your income taxes is usually at the top of the list of your top concerns. If you are the owner of a pass-through entity, such as an S Corporation, an LLC, or a Partnership, etc., you may have noticed the nice little tax break that you received in 2018, as most pass-through …

Financial planning with certified financial advisor

Financial Planning Perspectives: Benefits of Health Savings Account

By John Jespersen Financial Planning Focus: Benefits of Health Savings Account HSAs provide a triple tax advantage HSAs are more flexible than Flexible Spending Accounts (FSAs) HSAs are a great way to budget for out-of-pocket healthcare expenses Health Savings Accounts (HSAs) are tax-advantaged savings and investment accounts available for those with high-deductible health care plans. Some of the main features …

Market insights to aid in financial planning

Market Insights

By Eric Wymore CRPS© ESG Investing: What does it mean and is it important. The flavor of the month or the future of investing? First let’s start with a high level overview of what ESG investing means. ESG stands for Environmental, Social, and Governance. The Environmental portion takes into account climate change and risks, natural resource scarcity, pollution and deforestation. …

Quarterly review of financial planning assets

Quarter in Review

By Jeb Graham CFP® The first quarter of 2019 has come to a close. Following the fourth quarter of 2018, the market was due to bounce back from a rough quarter, and it did exactly that. The major market indexes are all up for year so far and have come close to returning to all time highs. While this is …

Tips to Help Maximize the Retirement Value You Get Out of Your Company

Is Too Much of Your Wealth Tied Up in Your Business?

Three Tips to Help Maximize the Retirement Value You Get Out of Your Company If you are like many small business owners, there is a high probability that a large portion of your net worth is tied up in your business. For many small business owners, this is a good problem to have. Why? It means that your business is …

Your Gut is Right. Not All Financial Advisors are Alike.

What was your experience the last time you met with a financial advisor? Did you feel like the advisor was doing everything that he or she could to help you meet your financial goals? Did you walk away feeling like you’d had a valuable conversation? Did the advisor feed you cheesy lines or use fear tactics to get you to …

Financial planning with certified financial advisor

Financial Planning Perspectives: 10 Important Reminders For The New Year

By John Jespersen 1. Establish New Short and Long-Term Goals Saving for retirement, a new home, car or boat? SMART goals can increase: Specific, Measurable, Achievable, Relevant and Time-Bound. SMART goals increase the odds that you accomplish financial projects and important tasks that can lead to having the happy lifestyle you desire. 2. Re-balance Your Portfolio / Review Investments The …