How often do you see something and think “how is that happening?” or “why is that the way it is?”  When you look at your community, is there anything you’d change?  Here’s the thing; you’re the right person to make those changes. You’re the right person to...

The family trust has been a powerful estate planning tool for a long time. The need for what trusts do came about in the 12th century, and family trusts have been used for a long time as well. Over a century ago, Frank Mars (candy bars) created a trust which had the...

I love getting coffee. I mean, I really love it.  Sure I love coffee itself, but there’s something about the action of going into the coffee shop, the whole experience of it ‌I’m super into.  I haven’t dug into why I like it so much, I just know that I...

Teddy Roosevelt famously said, “Comparison is the thief of joy.”  Another related well-known quote is, “Too many people spend money they haven't earned, to buy things they don't want, to impress people that they don't like.”  It’s a very human thing to...

Merriam-Webster defines peace of mind as a feeling of being safe or protected. What does having peace of mind mean to you? When I start feeling overwhelmed, stressed out, anxious, or a combination of all of them, I think about the Serenity Prayer: God, grant me the...

Old 401(k)s. Odds are, you probably have one.  Maybe it’s an account at a job you had for six months and there’s $1,000 in it.  Or maybe it’s from a previous career where you were at the company for 10 years and there’s a $100,000 balance.  Either way,...

All kidding aside, you moving in with your kids isn’t an attractive scenario for you, or them.  A top concern for many Americans is not having enough money saved for retirement.  If that’s true for you, I’m going to get you moving in the right direction so...

Debt is crushing us. It crushed me for a long time. Getting out of debt is one of the most important financial priorities anyone can have and becoming debt-free is one of the greatest gifts we can give ourselves.   If you’re in debt, odds are you feel like...

Financial wellness is more than the annual 401(k) enrollment meeting, and you know it. Or, maybe you don’t. I wish we could offer a 401(k) to employees and have them become financially successful by osmosis. Just like I wish we could offer gym memberships to employees...