couple budget persistence

Persistence and Budgeting

I am a lifelong Weight Watcher – a returning champion. Rather than think of myself as of having failed, gained weight back, and landed myself back in weekly meetings, I prefer to see myself as persistent. One of the keys to losing weight on the Weight Watchers program is to track your food daily. This […]


With the cold of winter, many people are thinking about SnowBirding in their retirement. What is SnowBirding? It’s migrating south for the cold winter months and then returning to the north for the remainder of the year. If you want to Snowbird in the future, it’s best to start planning now. One of the first […]

Retirement Considerations for Government Contractors

Government contractors face additional retirement challenges when compared to their Federal Employee counterparts. Contractors have no pension, have to plan for health insurance in retirement, can’t necessarily control their own retirement date, and  may have access to more complex savings vehicles. This can make planning for your retirement more challenging. Pension The most obvious difference […]

Develop a Charitable Giving Strategy

A frequent conversation I have with my clients revolves around their charitable giving. People want to be more intentional with their giving and want to make sure that their charitable dollars are going as far as possible. Many people feel they are not giving enough to charity.   How much can you give? The first […]

Advice For The Ages

20’s – DO: START AN IRA Traditional IRA or Roth IRA? It depends on your situation. Either way, putting money away as early in life as possible is key. Make sure you set aside what may be used for a purchase, like a down payment for a home. Never put at risk any money you […]