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Priorities Drive Plans

Published By: Erik Christman, CFP®, CPA 

Life happens and things change. Some change can be anticipated; some can’t. when it comes to your financial plan, it’s important to recognize that modifications may be needed in light of significant life events. You get a big inheritance. You lose a job. Your spouse dies. When such things happen, you must consider how they might affect your overall planning strategy. Read more

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Finding A Financial Professional

Published By: Erik Christman, CFP®, CPA 

Finding a true financial professional is an understandably daunting task.  The financial industry has done itself no favors over the years by continually employing bad actors that put their own self-interest ahead of their clients.  Fines, settlements and, in some cases, prosecutions of financial advisors continue despite repeated efforts by the government and the industry to crack down on rogue salespeople.  Worst of all, these problems continue at a time when Americans are, more than ever, in need of sound financial advice from someone they can trust. Read more

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The Truth, Nothing but the Truth

Published By: Erik Christman, CFP®, CPA 

One of the things we always tell prospective clients is that you can’t build a plan unless you are realistic about the possibilities and clearly understand how you are doing. I’m comfortable with giving people the unvarnished truth—and I know we have driven some people away when we gave them the facts. Read more

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How to Set up a Trust

Published by Beth Schanou, Director of Wealth and Estate Planning

A trust can be a necessary tool for an estate plan. But, you may ask, what is a trust? Put very simply, a trust is created with a formal legal document to manage assets for beneficiaries. The trust is created by a person called the Settlor or Grantor, and a Trustee is appointed to follow the rules of the trust for management of the trust and its assets for the beneficiaries’ benefit. Read more

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Things to Think About

Published By: Erik Christman, CFP®, CPA 

In our financial planning work, we look at five major areas:

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It’s a Plan

Published By: Erik Christman, CFP®, CPA 

A few years ago, I met with a divorced mother of two teenage daughters whom she was looking forward to sending to top universities – but the cost of college was very worrisome to her. Concerned about where she would get the money for tuition, she had been sacrificing her contributions to her retirement savings, instead funneling the money into college savings. Read more

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An Optimist at Heart

Published By: Erik Christman, CFP®, CPA 

The simple pleasures in life, like quietly reading a book, often bring the most joy. I enjoy reading about history and the economy, so I recently searched online for some of the most popular titles on investment advice. Read more

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Telling the Truth

Published By: Erik Christman, CFP®, CPA 

A friend of mine once said, “We spend an inordinate amount of time wondering what people who we don’t even like think about us.”  Read more

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What is the Difference Between a Will & Trust?

Published by Beth Schanou, Director of Wealth & Estate Planning

Estate plans can be structured differently depending on a person’s situation and intentions.  What is the difference between a will and a trust? A will and a trust are separate documents to pass assets to heirs after death, but they are administered differently and have varying advantages. Read more

High-Frequency-Trades

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We’re Buying Pieces of Companies

“I think you have to learn that there’s a company behind every stock, and that there’s only one real reason why stocks go up. Companies going from doing poorly to doing well or small companies grow to large companies.” – Peter Lynch Read more