College is one of the biggest milestones for many students and their families and one of the biggest expenses, too. With tuition costs climbing every year, it is easy to worry about how to pay for it all. Many graduates leave school with debt that takes years, even decades, to pay off. The good news?…
Captain’s Log Start Investing Your Excess Savings Begin investing your excess savings—cash, CDs, and money markets—that exceed your 3–6 months of living expenses and any large purchases you anticipate over the next 12 months. For example, if your monthly expenses are $5,000, you should have between $15,000 and $30,000 in your emergency fund. In addition,…
As we get older, it’s easy to look back and see where we could have made smarter financial choices, especially when it comes to retirement. Maybe you didn’t take full advantage of your 401(k) match, or you didn’t build that emergency fund when you had the chance. The good news? You can still take control…
Captain’s Log How the “Big Beautiful Bill” Affects Your Financial Plan On July 4, 2025, the federal government passed the One Big Beautiful Bill Act—a sweeping new law that impacts taxes, retirement, business ownership, employee compensation, and federal benefits. Because these changes often include complex rules like phase-outs and limits, it’s important to understand…
As we hit the halfway mark in 2025, now is a great time to pause and assess your financial progress. Whether or not you’ve met with your advisor recently, this point in the year offers a natural moment of reflection. Are you on track to meet the goals you set in January? Are there areas…
Captain’s Log The Loss of Purchasing Power on Excess Cash, CDs, and Money Market Holdings: A Look Back at 2020–2024 I remain fascinated—not by clients’ and prospects’ decisions to hold excess cash beyond their emergency funds and upcoming large purchases—but by the reasons behind them. Often, it’s due to fear of losing principal, the safety…
When it comes to retirement, Social Security is one of the biggest pieces of the puzzle—but it’s also one of the most misunderstood. You’ve likely heard a mix of advice from friends, family, or headlines: “Claim as early as you can,” “Wait until you’re 70,” “Take the money before it runs out.” With so many…
Captain’s Log Simplify Your Financial Life with One Trusted Advisor In today’s complex financial landscape, investors often seek professional guidance to manage their portfolios and plan for the future. While some may consider hiring multiple advisors—believing it provides diversification or additional insight—the reality is that working with a single trusted financial advisor can offer far…
Caps are flying, cameras are flashing—and just like that, your student is stepping into a whole new world. Whether they’re packing for a dorm or prepping for their first full-time job, graduation isn’t just a celebration; it’s a launchpad. This is the perfect time to start real-world money conversations. Here are some key financial topics…
Captain’s Log Turning Challenges into Opportunities: How to Invest Strategically Amid Tariffs and Market Volatility If you’ve been watching the headlines lately, you’ve probably noticed the word tariffs popping up more and more. And every time it does, the market seems to react—sometimes sharply. It’s enough to make even seasoned investors a little uneasy. But…