Our Financial Blog

If you qualify, one of the best gifts the IRS gives consumers is the Health Savings Account or HSA for short. They’re what I’d call a “triple-whammy”: savers use pre-tax money to fund them (lowering your income tax bill in the year you made a contribution), they grow...

You probably love your debit card. It’s convenient, accepted everywhere, helps keep your spending in check (you can’t spend more than is in your account), there are no annual fees and you can get cash back. What’s not to like? The majority of Americans agree with you....

It’s THE big question. You might hate your job and yearn to retire, but feel overwhelmed by all the articles you see that tell you you’ll need $1 million or more to comfortably turn in your company keys. Unfortunately, most pre-retirees in the U.S. haven’t saved...

Last month we discussed general principles around seniors taking social security benefits and why one should strive for putting off claiming as long as possible to maximize permanent benefits for both oneself and/or their married partner. This month we examine tactics...

Eleven million Boomers are retiring every day and the optimum age to begin claim Social Security benefits is on their minds.  In a report from the Social Security Administration dated 12/31/22, 37% of men taking benefits and 42% of women receive 50% or more of their...

Plain vanilla brokerage accounts get a bad rap.  All the conversations go to retirement accounts: how, when and why to fund them; what the rules are; strategies on maximizing them.  You can pick up any financial publication and read about them.  I’ve been a financial...