About Dave Gardner

David Gardner is a certified financial planner with a practice in Boulder County and can be reached at dave@confluencefa.com and at twitter.com/Dave_CFP.

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, […]

Should You Invest in ETFs?

If you’re not an experienced investor you may not have heard about ETFs, which are an increasingly common way to invest at a low cost.   We’ll take a close look at ETFs to determine if they are right for you when it comes to saving for your future, including its advantages and pitfalls. Why should […]

Three Ways a Free Dinner Can Cost You a Fortune

By the time you’ve reached your 40s and live in an affluent community, you probably have received at least one alluring invitation for a free meal at a fine restaurant.  Of course if you accept a high-quality meal, you suspect you’ll have to eat through a sales pitch.  You just hope that it’s not so […]

Should You Own a Vacation Home?

If you spent this last holiday week in the mountains, you may have consumed a good amount of your vacation time in traffic. I imagine that the seed of many vacation homes were planted near Georgetown while crawling down I-70 – suffering through a frustrating coda to a wonderful weekend. The vacation home logic generally […]