We love to inform people on the latest industry trends and how to make educated financial choices. Be sure to stay connected with us, and updated with our discussions!

not listening to fact

Facts Are Stubborn Things
– John Adams

WRITTEN BY: MICHELLE SMALENBERGER CFP®  A fact is something that can’t be changed.  It is what it is.  The simple fact is the earlier you start to plan and care for your finances, the longer you’ll have to reach your goals. Distracting thoughts like “I don’t have enough money” or “Once I get things in…

Read More...
What's in your Toolbox?

What’s In Your Toolbox? (Part 4)

Over the last several blog entries, we have reviewed the details within the various types of accounts and learned how and when they are taxed. To finish this series, let’s look at the final grouping:   The Roth IRA was named after William Roth, a senator from the state of Delaware.  He was the main…

Read More...
market week 4.7.17

Friday’s Financial Update 4-7-2017

Written By: Michelle Smalenberger CFP®  Have you been busy?  Perhaps, you feel like you’ve missed a lot of the news throughout the week.  Let’s review all that has filled our screens, newspapers, and airwaves.  The following is a graphic I put together to summarize big picture stories and the way to invest in the midst…

Read More...
What's in your Toolbox?

What’s In Your Toolbox? (Part 3)

In the last blog entry What’s In Your Toolbox? (Part 2), we learned about the various types of taxable accounts and how the investment growth is taxed when earned.   Let’s turn our attention, today, to the next group of accounts in order to better understand the value these bring to our “toolbox” of options….

Read More...
Financial Friday

Friday’s Financial Update 3-31-2017

Written By: Michelle Smalenberger, CFP ® The last week of the 2017 first quarter has felt relatively quiet without large pending votes that may or may not signal expectations going forward.  The U.S. stock market indexes posted another positive quarter, which again brings welcome gains to investors’ accounts.   We could still see an upcoming…

Read More...
What's in your Toolbox?

What’s In Your Toolbox? (Part 2)

The last post in this series entitled “What’s In Your Toolbox,” we looked at the various types of accounts and grouped them into three general categories: Today, let’s focus on the taxable accounts in order to better understand their characteristics and how they can be a great “tool” to have available.  In the future, we…

Read More...
Financial Friday

Friday’s Financial Update 3-24-2017

Written By:  Michelle Smalenberger, CFP® Did this week remind you of political seasons we have experienced over the past several years?  It sure reminds us of times like the initial ACA legislation, Brexit, or more recently the elections.  We have been awaiting results of legislation change with the proposed American Health Care Act and the…

Read More...
Financial Friday

Friday’s Financial Update 3-17-2017

Written By: Michelle Smalenberger, CFP ® Happy St. Patrick’s Day everyone!  The GREEN we saw in the markets this week seemed mostly attributable to the news on Wednesday from our good luck charm, Janet Yellen! This was the biggest story of the week as the Chair of the Board of Governors of the Federal Reserve…

Read More...
What's in your Toolbox?

What’s In Your Toolbox?

Your accounts like tools in a toolbox, each serving a different purpose, allow you to accomplish a variety of goals in the best way possible. When you think about your portfolio, you often immediately remember the underlying investment holdings like stocks, bonds, mutual funds, ETFs, etc.  What about you?  What comes to mind when the word…

Read More...
Financial Friday

Friday’s Financial Update 3-10-2017

Written By: Michelle Smalenberger, CFP® As we round out another week, we are reminded of the ups and downs that can come with investing.  There were some interesting stories this week that brought about daily changes to how stocks performed.  This highlighted the importance of having a diversified portfolio that is not based on luck…

Read More...
Should Financial Lives Be Private?

Should Financial Lives Be Private?

Written by: Michelle Smalenberger, CFP® There are a few topics in life that are so personal.  And we often don’t talk about them with others, out in public and especially with family.  These topics include politics, religion and money. Yet, what are we missing out on?  What lessons are we not able to teach and…

Read More...

Growth We Have Longed For

Written by: Michelle Smalenberger, CFP® This week has proven to be another exciting week in the financial markets!  As of recently, it seems things have calmed and quieted a bit in the political arena compared to the protesting we grew immune to following the presidential election.  After a couple of years of stagnant growth in…

Read More...