AdviceIQ Articles

  • Repairing a Retirement Plan

    Forces beyond the control of any one person can send your hard-earned retirement up in smoke, as so many saw in the 2008 financial crisis. How can you repair the damage? One couple’s story shows how this can work.

  • Higher Taxes: No Way Out

    Taxes are higher for just about everyone, but high-earners bear the brunt of the expiration of the Bush tax cuts. The harsh reality is that there are few ways to increase your earnings without a bigger slice of it going to the government.

    The difficulty with the tax deal that Congress enacted at the beginning of the year is that it offers few options for avoiding any additional taxes other than producing less income.

  • Why a Tax-Free Health Plan?

    Health insurance premiums are rising. A good way to ease that burden is by adopting a high deductible plan, where you in effect trade larger out-of-pocket costs for medical bills for lower premiums.

  • Why Retiree Funds Fall Short

    Human shortcomings, ranging from fear to procrastinating, harm people’s retirement prospects. Stocks historically are the best way to build wealth over time, but investors too often find them scary.

  • Advice for Entrepreneurs

    What does an entrepreneur need to create a successful company? The right mindset is a big part of it. Here are some tips.

    As an entrepreneur, you devote half your time or more to the daily hustle, making things happen and accomplishing goals. The other half is looking ahead, knowing where you want to be and when. For some, overcoming the mental anxiety of uncertainty is the first big step.

  • 3 Steps to Better Budgeting

    Many people think budgets are about deprivation. As a financial advisor, I feel they are about liberation and control over one’s life.  Here’s a simple three-step plan to create a budget that you can feel excited to follow.
    Step 1. Understand the real purpose of a budget. It’s not necessarily what you might think. The benefit of a budget is that it establishes boundaries that set you free to focus on what is most essential.

  • Don’t Put Off Planning

    It is easy to put off doing even the most vital steps, like financial planning. Things that we fear the most sometimes lead us to procrastinate. Putting off important decisions can really catch up to you, especially in the realm of personal finance.

    If you are guilty of procrastination, you certainly aren’t alone. I am very good at stalling on important life steps, and I am not proud of it. The things that I don’t like to do end up on backburner for quite some time.

  • Coping With Job Loss

    Joblessness is down, but the unemployment rate still is high. Plus, possible government furloughs loom. The weight of working less or not at all is on the minds of many families.

    While there may not be much that you can do, you can still increase your chances of financial survival if you lose your job.

  • Feds: Investment Threat?

    How should investors react to government plans possibly harming their retirement  savings? By carefully watching what the feds are up to. While no threat has appeared lately, Washington has a worrisome history of upending investments.

  • Obamacare Costs & Benefits

    A central provision of the Affordable Care Act – popularly known as Obamacare – are proposed health insurance exchanges that aim to make the market for insurance more competitive and cheaper. But how much can we expect this new plan to cost?


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