Did you know it’s possible to receive comprehensive financial ADVICE without handing over your investment accounts or buying insurance products? It’s called “advice-only” financial planning, available as a flat-fee hourly, project-based, or ongoing service. Free referrals 👇🏼👇🏼

Feeling generous? Let's talk about Superfunding a 529 Plan. “Superfunding” a 529 plan allows up to 5 years' worth of contributions in a single year without resulting in a federal transfer tax or use of any portion of the federal transfer tax exemption. fidelity.com/learning-cente….

Living with your parents often gets a bad rap. Here are my thoughts. If you're working and saving the difference towards your financial future, how is that a bad decision? If you're working and spending the difference, that's a poor lifestyle decision. What are your thoughts?

There's a saying that to be happier in retirement, reduce the amount of time you watch the news. Investing is similar, reduce your focus on short-term volatility, or some hot stock tip, and stick with your plan. Be diversified. Be disciplined.

Is right now the best time to invest? It's an impossible question to answer and no one has a crystal ball that is always accurate. Just remember: Time in the market > Timing the market

Updating your NQ individual account to a Individual Transfer on Death account is one of the simplest and easiest ways to improve your estate plan. *This is not legal advice*

Do today's risk tolerance questionnaires actually do a good job of measuring a client's risk composure? "Know your client" is an important regulation but how well do 15-30 question quizzes actually fare in the real world? Check out this Kitces article to learn more:

There's a big problem right now within the financial advisory industry: People are firing their financial advisors who don't provide financial planning. But they’re leaving without a plan for managing their financial decisions moving forward. Advice-Only financial planning

Retirement isn't the finish line; it's the start of a new adventure! Continuing to learn keeps your mind sharp, your social life active, and your heart fulfilled. Embrace the benefits of lifelong learning in retirement! 🧠

Invest in yourself, you are an asset! Health is wealth. Knowledge is power. Honesty is the best policy.

There is a lot of confusion around what a financial planner does Some think they just manage investments (some do) Some think they just sell insurances (some do) And some think they help on all things $ (some do) Let me walk you through what a great financial planner does:

Is total return the most important thing when hiring a financial advisor? A financial advisor rarely outperforms an indexing strategy in regards to total return. However… They can save you from expensive mistakes, lower your taxes, and create a long-term financial plan. I