About Judy McNary

Judy is a founding partner of Confluence Financial Advisors. She transitioned to financial planning after a successful career in technology. She is passionate about helping families, individuals and entrepreneurs reach their financial dreams. She writes articles for University Parent and is the author of Coin: The Irreverent Yet Practical Guide to Money Management for Recent College Graduates. In her spare time, Judy enjoys skiing, swimming and scuba diving.

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 […]

Leveraging Your Paycheck Through Your Company ESPP

Employee Stock Purchase Plans (ESPPs) are a benefit offered by over 50% of publicly traded companies, yet fewer than one-third of eligible participants use them.  This often-overlooked benefit is a great way to grow your wealth. Unlike other types of stock plans such as Incentive Stock Options (ISOs) or Nonqualified Stock Options (NSOs), generally any […]

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 […]

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 […]

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 […]