Rating Your Financial Strength for 2018

At the beginning of the year we notice an uptick in the inquiries coming into our financial planning practice.  Our industry along with the health clubs is seasonally popular perhaps because we’re all recovering from a season of overeating and overspending.  You won’t find any financial fad diets in this column, but we should to […]

What to Do Now about the New Tax Law

Could there be more of a snoozer than discussing tax code while you still have eggnog in your cup?  I wish this column could be devoted to something deeper and more enduring, but time is very short and you may have the ability to fill your own stocking with a tax refund in the waning […]

A Gift to Avoid and One to Embrace for the Holidays

With the Senate passing its bill just over a week ago, it seems next year we will have a new tax law of the land.  Speculations runneth over regarding its final form, the consideration of the joint conference committee and both legislative bodies remain before it reaches the President’s desk.  A future column will address […]

Dealing with Tax Uncertainty

This week, the Senate will consider tax reform in the wake of its passage in the House. Washington watchers of all stripes are showing legislative forecasting fatigue. Congress has been embroiled in debate on tax reform, the future of the Affordable Care Act and other topics. Little substantive legislation has been passed. With tax reform […]

Doing Good With Your Investment Dollars

We are in the midst of a historically long period of growth in the US stock market.  Yet the euphoria for many Colorado investors is tempered by questions about our country’s future.  If you have followed classic advice about diversified investments, it’s likely that you own shares in companies behind initiatives not aligned with your […]

Accessing Your Retirement Money Early

If you wait until your 60s to retire, accessing your retirement savings is a straightforward proposition.  You can tap your Traditional IRA, Roth IRA, taxable investment accounts, and most work retirement plans without penalty.  But what if you need funds sooner than that? First, I should say we won’t consider whether you should access retirement […]

A Dollar Is Rarely Worth a Dollar

Last week University of Chicago Professor Richard Thaler won the Nobel Prize in Economic Sciences for his work in the growing research area of behavioral economics.  Unlike many Nobel Prize winners, much of Thaler’s work is relatively easy to understand by the layperson and can be widely used to improve our lives. Much of Thaler’s […]

Are Airline Flyer Miles Worth Your Time?

As our recent cool weather in Colorado reminds us, fall is here and snow is near.  While many of us take it as a signal to get our skis ready for the season, it may spur you to plan a warm weather vacation for when the days are short and frigid.   Instead of having to […]

Fighting the Equifax Credit Breach

While our eyes were trained on a catastrophic hurricane in the Caribbean, a proverbial storm of the Equifax credit breach brought chaos into the lives of most adult Americans regardless of where they live.   If you are an adult reading this, it’s likely you have been affected and your data has been compromised.  By Equifax’s […]

College Versus Retirement

It’s a dilemma that most parents face at some point in their lives.  There is a trade off between paying for your children’s college education and your financial independence.  Unless your resources exceed your ability to spend, this is a truism.    Yet it’s one that can be unpleasant to discuss as it could involve your […]

Use the Calm to Prepare for the Bear

We are in the midst of a rather extraordinary stretch of smooth and positive stock market returns.  It’s been well over a year since we last saw a 5 percent pullback in the S&P 500, dating back to Brexit in June of last year.  This spate of peaceful markets is rare.  According to Guggenheim investments, […]

Got High School Seniors?

Another new school year begins and with it, comes a new batch of high school seniors. For these seniors, the final year of high school will fly by and, nine months from now, they’ll be high school graduates beginning their next phase of life.  A few of these students have a clear, well-defined plan but […]