Blog

HSA Portability- Bring your HSA With You!

If you read our blog titled   The Long Term Power of the HSA, then you know that we are big proponents of Health Savings Accounts (“HSAs”). By taking advantage of all that HSAs can offer, you can really propel your…
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3 Keys to Understanding Credit Scores

What is a credit score? A credit score is a three digit figure that is intended to measure the likelihood an individual will repay debt and credit obligations.  It was created to simplify the process of obtaining credit.  The score…
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How Disability Insurance Works (When You Can’t)

One topic that often is overlooked when it comes to personal finances is risk exposure.  Risk is why all sorts of insurance products exist.  Sure, we know we need car insurance in case we are in an accident and medical…
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Saving into a Roth IRA

As we have said in previous blogs, it is important for individuals to attempt to save money into three distinct “buckets” during their working years.  These buckets are the pre-tax bucket, the after-tax bucket and the Roth bucket.  This blog…
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Should I borrow from my 401k?

In our recent blog, Understanding the Ins and Outs of 401(k) Plans, we touted the great benefits of 401(k) plans. Some investors might also see this as a source of potential funds for personal loans.  Your 401(k) is a powerful…
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Income Tax Breaks for Homeowners

The U.S. government has a long standing history of including incentives in the income tax code to encourage home ownership.  This is because of the positive impact home buying has on the economy – consumer spending makes up over two-thirds…
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Do I Need A Living Trust?

Much has been written about the use of a living trust as a means of reducing the cost of passing your assets to your heirs at death.  For most people, the primary motivation for creating a living trust is to…
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An Analyst’s Up-close View of the Energy Market

After recently returning from a natural resources conference in Denver, I thought it would be beneficial to share some of my takeaways.  The conference was a mix of listening to CEO’s discuss trends in the market and touring companies in…
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What is a Backdoor Roth IRA?

Roth IRAs are a powerful way to save for retirement.  The beauty of a Roth IRA is that all growth and withdrawals from the account are tax-free and having a tax-free income source in retirement can be extremely beneficial.  It…
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Market Updates

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