Why You Don’t Want a Big Tax Refund

Most people would not complain if they got a big tax refund. After all, who doesn’t love free money?! It’s easy to think about a check from the IRS as “found” money and plan a shopping trip accordingly. However, getting a rather large check is not actually as beneficial as you might think.

Big tax refund = LOSING money

Beware of Schemes During Tax Season


The Benefits of Downsizing

Modern advertising tells us, and the Joneses next door make us feel like we NEED a bigger home, nicer clothes, fancier vacations, luxury vehicles, and a fatter paycheck to pay for it all. In a society where bigger is better and more is more, can we find the benefit and contentment in simplifying? In particular, can the “less is more” theory apply to our home?

Registered Investment Advisor vs. Broker - What's the Difference?

Registered Investment Advisor vs. Broker - is there a difference and does it matter? Yes, it does!

How the professionals you hire are paid is an important question you should always ask. Let's see how they compare.


Know the difference! Work with a fiduciary, someone that puts your interests ahead of their own compensation.

Documents You Have to Keep, Even if they Don't "Spark Joy"

Is your garage overflowing with bank statements and paid bills from ten years ago?  Are you unsure about what documents need to be retained and what can be tossed? Speaking of tossing, what documents can be tossed in the trash, and which should be shredded?  Are you wanting to finally get control of your documents?

Financial Missteps

Personal finance, like just about everything else, is mainly common sense. Advice like “don’t spend more than you make; start investing while you’re young; don’t loan money to friends with the expectation of getting it back,” have been around for generations, and most likely will survive the next few generations as well.

Understanding Travel Loans

If you’ve been dreaming all your life of seeing the pyramids of Egypt, or taking a cruise down the Danube river, offers of easy travel financing can be tempting. The articles below provide some useful perspective on these loans, and the pros and cons.

Top Strategies for Charitable Giving

We all have certain causes that we choose to support monetarily. In fact, in 2017, Americans gave more than $410 billion to charities, breaking the $400 billion mark for the first time in history.

But anytime that we give our money to an organization, it’s important to do our due diligence, ensuring that the funds that we give will be used effectively.

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