Blog Posts

Personal Finance

The Value of Financial Planning

Why should I hire a financial advisor? That is the big question many people will ask at some point in their life. It’s a big decision and should be well thought out. In the past, an advisor’s main value-add was investments. The question then of whether it’s worth hiring an

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Investing

How to Pay Off Your Mortgage Earlier

What do you do with extra cash flow after you have a basic level of financial security in place? You have an emergency fund, no high-interest debt, and you’re on track to retire at a normal age. A common desire is to live mortgage-free, so you might consider making extra

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Investing

How to Maximize Your HSA

It’s open enrollment season, which means it’s a good time to talk about the Health Savings Account (HSA). HSAs are the most overlooked and underutilized investment vehicle there is. What is an HSA? An HSA is a tax-deferred savings vehicle for health expenses. It is triple-tax advantaged, which means: Your

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Personal Finance

The Secret To Financial Independence

In the world of financial advice, we spend most of our time talking about investments, taxes, insurance, etc. These are good things and there is a lot of value in fine-tuning these variables, but sometimes I think we miss the pillar that all of this is built on: saving money.

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Personal Finance

The Buy Now, Pay Later Trap

If you have shopped online recently, you have probably noticed an option at checkout to spread your purchase over smaller future payments, sometimes without paying any interest. This is known as “buy now, pay later” (BNPL) and it has been all over the news the last few weeks. There have

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Personal Finance

The Economics of Investing in Yourself

“Invest in yourself” has become a rallying cry for millennials and gen z. Search the phrase and you’ll find articles telling you to travel more, set goals, build relationships, meditate, and get outside. We have taken the idea and applied it to virtually anything that may make us happier. While

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