Credit score: .25% could cost you thousands

Many people don’t understand the value of a good credit score. It’s more than the prestige of having a high number. It’s your ability to get a car loan, an established credit card and borrow when you’re ready to buy a home. As a consumer and an investor, you want to have access to credit …

Hidden expenses of going on a cruise

Have you ever seen a commercial for a cruise? Everyone is frolicking in the pools on the deck of the ship while zipping down waterslides. There’s a quick shot of a couple eating a delightful dinner with white linen table cloths and expert servers unloading endless dishes of fanciful cuisine. Finally, a view of the …

A better cash strategy

Cash in with a better cash strategy, earn higher interest Do your bank deposits still earn next to nothing? They shouldn’t be, and you don’t have to take it anymore. I know that banks haven’t paid much in interest since the last financial crisis, but times have changed. Your accounts should be yielding something closer …

What does your investment advisor do all day?

If you think financial advisors spend all day golfing, you need a new advisor. Rendering financial advice is challenging and it takes a competent and intelligent professional (who is supported by a team of competent and intelligent professionals) to do the job right. An advisor cannot stay at the top of their craft by polishing …

Cybersecurity: fraud prevention tips for your money

We all use an abundance of electronic devices to share, transmit and store personal data. Some of the information our devices collect and share about us is harmless – such as how many steps you’ve taken today. On the other hand, we also have more critical data, like credit card and banking information, which would …

Portfolio rebalancing: 3 reasons it’s important

Let’s be honest. Have you ever spent time looking at how all your investments are allocated (what your investments hold across your entire portfolio of holdings)? If you’re like most investors, you probably don’t give much thought to your mix of stocks versus bonds – but you should! Understanding your allocation is fundamental to understanding …

Tax loss harvesting: why bother?

When it comes to portfolios, some things stay the same no matter the generation of investor. At any age people hate losing money and love talking about their winning investments. I’ve practiced in the financial services industry for more than 20 years and I am amazed at how many stories I’ve heard about “the best …

Separate finances? How to combine when getting married

Issues related to money can be troubling and detrimental in many relationships, but many of the conflicts arising from money issues are avoidable if you address them effectively. Consider the items below as our suggested “to‑do list” as you or someone you know is starting to merge separate finances and while preparing for a future …

Millennial buying habits


Listen as we discuss Millennial buying habits including how their financial priorities differ from previous generations; the impact of their buying habits on businesses and the economy; and financial challenges they face and how to navigate them. Guest host: Lindsey Reiser