Types of Financial Schemes and Scams

When thinking about scams, most people think, “That will never happen to me,” “How did someone fall for that,” or “Why would someone send money or handle their finances like that?”. But the truth is, most people don’t see it coming. The worst part about scams is what makes them so successful: you won’t know […]

The Importance of Retirement Planning

When thinking about the “retired life,” chances are you’re envisioning golden years filled with leisure, fun, and comfort. Unfortunately, this isn’t the reality for most people because of the financial difficulties or lack of understanding around the shift of responsibility from employer to individual for retirement contributions. This doesn’t have to be the case for […]

Establishing Your Investment Goals

Investing is a financial activity that people participate in, or avoid due to lack of understanding. Truthfully, those who stay away from investing are often the individuals who don’t take time to learn the process and how it impacts financial success. Like many financial activities, investing starts with identifying your goals. Determining investment goals plays […]

Four Points to Optimizing Your Financial Strategy

Personal financial planning helps you develop a spending plan around your lifestyle and financial goals. With this in mind, it’s hard to believe that roughly 77% of Americans live paycheck to paycheck. (1) It doesn’t have to be this way. Crafting a personal financial strategy gives you the roadmap to manage your money and ultimately […]

Building a Budget

For many, the term “budget” is a dirty word that causes stress, pressure and unnecessary arguments. In fact, the very term has caused more domestic disputes and divorces than any other word in the English language(1). Not to mention, media and television sitcoms have degraded the “budgeting process” and say it can’t be taken seriously(1). […]

Exercising Your Savings & Emergency Funds

Life is known for throwing curve balls when least expected. From injuries and car problems to new tax laws and job terminations, life is full of surprises. The problem that most individuals encounter is a lack of funds to catch these curves. This is where your emergency funds and savings accounts come into play. Understanding […]

Introduction to Lifestyle Financial Planning

Personal finance isn’t just about building budgets or monitoring stocks. It’s ultimately about how you use financial education, principles and resources to improve your life. Without the principles and plans to support your numbers, it’s just a bunch of useless data. Lifestyle financial planning takes into consideration your psychological ideas – your desires, dreams and […]