Five Keys to Quality Insurance

It’s a bill we pay every six months, yet if all goes well we never financially benefit from it.  It’s property and casualty insurance, which for most people means homeowners, auto, liability including umbrella coverage, and renter’s insurance.  You may have given little thought to your insurance company.  If you’ve watched sports on TV in […]

Five Tips When Buying a Boulder County Home

February in Boulder County means the beginning of the busy season for residential real estate.  Since the last dip in the local markets in 2008, most local communities have seen significant real estate appreciation.  Often cited reasons include a limited supply of buildable land in Boulder County, the consistent quality of local schools, and the […]

Microinvesting: Building Wealth Pennies at a Time

Over the past few years my spending has transitioned from coin and paper to online and plastic.  Periodically I would take the coins that accumulated in my wallet and transfer them to a big jar.  Once the jar was full I would use the coins toward a fun purchase.  Most of the time the money […]

Four Steps If You’re Feeling Nervous About the Markets

With Dow recently crossing 20,000, the general mood among many investors is not euphoric but cautious.  The uncertainty that some see in the new Trump Administration has extended to fear about its impact on world financial markets. The argument goes like this.  We are in the midst of an eight year bull market for US […]

Four Reasons to Ignore Dow 20,000

At the end of last year, it seemed almost every day the Dow set a new all-time record.  The Dow is likely to reach the 20,000 threshold in the weeks to come (if it hasn’t happened already).  But is this important and what does it portend for your financial future? The Dow, short for the […]

A (Semi) Official Way to Borrow and Loan Money with Family

If you managed to avoid politics around the holiday table, conversation may have touched upon another family third rail: the financial health of you and your loved ones.   In most families, there are those who are in a stronger financial position than others. Giving an outright gift (or receiving it) from family members is easy […]

The Power of Goals

If you don’t know where you’re going, any road can take you there. -The Cheshire Cat to Alice in Through the Looking Glass by Lewis Carroll New Year is the ideal time to recharge, refresh, and, perhaps, restart. Out with the old and in with the new as we make resolutions and set goals. Each […]

Biggest Tax Reform in Years Expected in 2017

All signs are that we will see a federal tax cut enacted next year, with significant reform included in that package.   Congressional leaders have indicated that they will use the reconciliation process, which means that simple House and Senate majorities would be enough to put a tax bill on the President’s desk. I’ll stay on […]

Where Your Next Dollar Should Go

Personal financial planning is all about setting priorities and then putting your resources to work to achieve them, while covering the big risks that could derail your financial future.  The thought is you want to give every dollar that comes into your bank account a job. Whether you’re a mid-career serial entrepreneur or in your […]

Instilling Great Money Habits By Making a Game of It

The best way to raise money-smart children is to use the teachable moments of everyday life to develop good spending habits.  The holiday season is upon us and with it are annual food drives for area food banks. Contributing to a food drive presents a golden opportunity to do good, build money skills and have […]

Three Little Known Ways to Save On Taxes

Little has been predictable in the national political arena over the last three weeks.  Few pundits predicted Trump would win, and even fewer presaged that the domestic stock markets would rally to all time highs.  Interest rates have moved upwards sharply as the market starts building in expectations for increased growth and a phenomenon gone […]

Does Your Medicare Policy Need a Check Up?

Rising health care costs are often cited as people’s number one retirement concern.  So why is it that only 10-15% of retirees re-evaluate and change their Medicare coverage during the annual open enrollment period each year?  According to a series of focus groups conducted by the Kaiser Family Foundation, many retirees don’t review their coverage […]