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Estate Planning Family Planning Retirement Planning Tax Planning

Net, Net, Net: Expenses, Taxes and Inflation Can Eat Your Nest Egg – What To Do?
- Harold R. Evensky
The following is an excerpt from Hello Harold, a book by Harold Evensky – click here for a free hard copy! — As dangerous as it is to simply extrapolate past returns into future expectations, an even bigger mistake is planning a financial future based on nominal gross returns, forgetting about how large bite expenses, taxes,…
Financial Planning

Unexpected Expenses When Buying a Home
- Roxanne Alexander
Buying a new home can be an expensive process, and if you are not careful, you can end up paying for items you don’t need or have already paid for. Loan Costs When applying for a mortgage and receiving quotes from various mortgage companies, make sure you are comparing apples to apples. You will…
Financial Literacy & Fundamentals

What Should You Consider When Reviewing Your Cashflow?
- Marcos A. Segrera
Monitoring cash flow is universal and critically important to the health and well-being of your financial plan. Perhaps you have: Income streams that have changed; affecting your savings, taxes, or debt service. Essential and discretionary spending has experienced upward creep; affecting your ability to save, service debt, or save for your future. Savings goals that…
Market Insights

What Issues Should You Consider During a Market Correction?
- Marcos A. Segrera
Markets are in full correction mode. Reminder: A market correction is defined as a drop of at least 10% and a bear market is defined as a drop of 20% or more. The situation in Russia/Ukraine is and will continue to dominate headlines until resolution or something more eye-popping takes the stage. Depending on where…
Family Planning

The Financial Implications of Fluffy: Costs to Consider Before Becoming A Pet Owner
- Roxanne Alexander
Animals are just plain cute and can bring so much joy to your life, but like children, they are not cheap especially if you choose to care for your pet properly. Whether you choose to adopt or buy a pet from a store or breeder, there are several costs to consider over the life of…
Financial Literacy & Fundamentals Tax Planning

Taxes: It Pays to Treat Them Right
- Harold R. Evensky
The following is an excerpt from Hello Harold, a book by Harold Evensky. — I know how most people feel about taxes: don’t tax me, don’t tax thee, tax the man behind the tree. Unfortunately, ultimately we gotta pay. Everyone’s interested in minimizing the pain and that’s why I’m sitting here trying to put together…