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MICHELLE SMALENBERGER, CFP ® Timing is everything!  Well maybe in this situation timing isn’t everything; but it IS really important.  What I’m talking about is that as you go through life there are things happening with your finances at each stage. Some obvious instances where timing really does matter are: Retirement – There are so…

MICHELLE SMALENBERGER, CFP ® Let’s quickly talk about something that can happen as you’re working toward goals you’ve set.  This is simply the attitude of being discouraged. Today as you’ve started to make a change in your habits you may start off strong.  After a few days of progress something happens to get you off…

STEPHEN & MICHELLE SMALENBERGER, EA & CFP ® Maybe you feel like you’re living paycheck to paycheck or that you’re just spending too much.  Here’s some ways that you can get this under control. What am I spending today? Take your past credit card or bank account statements and add up your expenses for the…

STEPHEN & MICHELLE SMALENBERGER, EA & CFP ® We’ve found four to five common hesitations that people have about merging their finances together related to cash flow. Common Hesitations: Loss of control:  It’s not just my money that I can decide where to spend.  We are both contributing to our income and we need to…

[Video] Merry Christmas STEPHEN & MICHELLE SMALENBERGER, EA & CFP ® We are having a Christmas Tree Drawing Contest!  You can vote for who you think draws the best tree. As we think about Christmas we are reminded it’s not just about gifts.  Even something just as silly as our tree drawing contest these holidays…