Ready to chat about something that's often brushed under the rug, but is absolutely essential: Retirement Income Planning. Picture this: you've spent your whole life hustling, chasing dreams, building a career, and living your best life. But then, the time comes to kick back, relax, and soak in the golden years. Sounds dreamy, right? Well, it can be if you've got your retirement income plan in place.

Most people think all financial planners are “certified,” but that isn’t the case. Just about anyone can claim to be a “financial planner.” To ensure quality financial planning, the CFP® Board benefits the public by independently certifying financial planners. Professionals with the CFP® designation, like yours truly, have met rigorous qualifications for financial planning.

I'm beyond thrilled to share the news that I've officially earned my RICP® designation! A Retirement Income Certified Professional® helps clients make the most of their retirement income and investments. I have the expertise to develop a personalized income plan that takes into account your unique goals, lifestyle, and risk tolerance.

Life is messy, unpredictable, and downright chaotic at times that’s why starting an emergency fund Is vital to your financial wellness. An emergency fund isn't just about surviving the unexpected; it's about thriving in the face of adversity. Think of your emergency fund as an investment in you.

Today I want to talk about managing your finances, specifically, conquering that pesky credit card debt. Life is hectic, and sometimes it feels like swiping that plastic is the only way to get through the month. The thing is, those little cards can be deceivingly convenient. They offer you the illusion of having more money than you actually do. But guess what? That money isn't free—it’s a loan.

Can you believe it’s April already? I don’t know about you, but springtime always makes me feel like anything is possible. Speaking of possibilities, did you know that April is Financial Literacy Month? That’s right! It’s the perfect time to brush up on your money smarts and take charge of your financial future.

I know that talking about money might not sound like fun, but trust me, it’s very important! Understanding how to manage your finances can truly change your life for the better.

As baby boomers age, the world is on the brink of witnessing one of the most significant wealth transfers in history. An estimated $30 trillion is set to change hands, ushering in a new era of inheritance and financial legacy. What makes this transition even more noteworthy is the pivotal role women are poised to play in this monumental exchange.

Spring isn't just about tidying up your home and decluttering your closet; it's also the perfect opportunity to give your finances a much-needed cleanse.

In today's digital age, scams have become increasingly sophisticated, preying on individuals' fears and vulnerabilities. Among the most concerning are those targeting Social Security beneficiaries. Social Security serves as a lifeline for many, providing financial security during retirement or in times of disability. However, scammers view it as an opportunity to exploit unsuspecting individuals.

With more and more workers having flexible work options, it’s important to maximize your productivity when working remotely: whether you are working from home or working while traveling.

This week we are celebrating Valentine’s Day. In a committed relationship, discussing finances is not just important—it's essential. Addressing financial matters early on can lay a solid foundation for trust, understanding, and long-term compatibility.

There are 3 separate buckets you should have for your investments:

• Bucket #1 is the tax-deferred bucket.

• Bucket #2 is the tax-free bucket.

• Bucket #3 is a taxable account.

A brokerage account is a financial account that allows an investor to buy and sell various financial instruments, such as stocks, bonds, mutual funds, and other securities. The account differs from Roth and IRAs due to the use of after-tax money and different tax rules. A brokerage account can be accessed anytime. It is not a retirement account. Instead, it is taxed on just the capital gains, which are profits generated from the sale of investments that have appreciated in value.

What exactly is a Required Minimum Distribution (RMD), and why should you care? In this layman's guide, we'll break down the concept of RMDs and help you understand why they matter for your retirement.

There are compelling reasons to file your taxes as soon as you can, with one significant factor being safeguarding against scammers attempting to misuse your identity for fraudulent tax refunds.

Estimated taxes are periodic tax payments that individuals and businesses make to the government throughout the year, typically on income that is not subject to withholding tax. This type of income may include money made through self-employment, rental income, interest, dividends, or other sources where taxes are not automatically withheld. Additionally, if you expect to owe at least $1,000 in taxes after subtracting withholding and refundable credits on your income that has already had tax withheld, you may need to make estimated tax payments.

As we usher in a new year, it's the perfect time to shift our focus from mere financial resolutions to cultivating a mindset that empowers our financial well-being. At the heart of this transformation lies the powerful concept of "paying yourself first" – a shift in perspective that not only prioritizes investing in ourselves, but fundamentally changes the way we approach our relationship with money.

As the year draws to a close, it's not just about festive decorations and holiday cheer; it's also an opportune time to take stock of your personal finances and implement strategic moves to save on taxes. By making informed decisions before the year-end, you can optimize your financial position and potentially reduce your tax liability. I’m including some smart strategies to consider as we approach the end of the year in this blog post.

The key to successful networking is not just about accumulating contacts, but building meaningful relationships. When you own your own business your personal and professional life often overlap. Networking in all parts of your life allows you to continue to grow, meet new people, strengthen long-term friendships, and have a battalion of people to help you should the need arise.

While homeowner’s insurance provides a safety net for unexpected events, many homeowners overlook a crucial aspect of protecting their investment—documenting personal property. It is important to create a comprehensive inventory for your homeowner's insurance company.