If you are a 40 year old woman with a life expectancy of another 50+ years, what is your life plan? If the pandemic has taught us anything, it's that life is unpredictable and plans can go out the window with a moment's notice. I like to live by the saying, "plans are worthless, but planning is everything".

How your imposter syndrome affects your nest egg, and what you can do about it.

Many of you out there are looking for ways to give and support causes that you care about. Last week I talked about what issues someone may want to consider when receiving an inheritance. An inheritance is another great vehicle for philanthropy planning. This week I interviewed Randi Hogan

I was asked a couple weeks ago by a lovely couple, what they should do with their inheritance. The final parent had just passed away earlier this year and left a good amount to all the adult children to split. Inheritance is an exciting event to contemplate, but of course it comes at a very big expense. If you are a person who has this same question, I first want to offer my condolences to you and your family. You cannot have an inheritance without going through a major life event in your family. Here are some tips for financial planning and investment management for women, business owners and families.

Our clients are women, executives, families, business owners and independent thinkers. We use our guiding principles to help them build a financial plan tailored to their lives. We discuss debt, budgeting, investments, net worth, financial literacy and stewardship.

One couple wanted to know if they should use savings or retirement accounts to pay off debt. Another person wanted to know if they should pay more on their student loan right now. A couple of people wanted to use this downtime of 2020 to pay off credit cards.

As we approach the end of the year, I’ve been hearing questions about capital gains from clients. Some people have really large capital gains, usually because they’ve held an asset for a long period of time. These assets could be in stock, business interests or real estate.

The second most common question this year is, “Should I buy that…..luxury item?” With so many people forgoing vacations this year, they want to keep the adventure closer to home. Does it make sense to buy a big luxury item?

The number one question I received from clients this year is “Can I retire early?” Whether it’s because of an early retirement package being offered by an employer, because a business owner is burnt out, or something significant happened in 2020 and they can no longer work. As a financial planner and a fiduciary, I have three thoughts that you may want to consider if you are one of these people asking this loaded question.