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Watch Your Blindspot
It has happened to everyone. You are driving down the highway and you go to change lanes only to be shaken to your core by a loud horn. That’s right there was a car in your blind spot. You are a...
Happiness in Retirement
Recently I received a copy of a Wall Street Journal article from July 27th, 2005 titled “The Secret to a happier retirement. Friends Neighbors and a Fixed Annuity”. The funny part of this is I...
Financial Planning During The Pandemic
Since the S&P 500 set a record on February 19th we have seen a dramatic drop over the past 2 months and although there has been some recovery we will not know the long-term impact on the market...
Are ACA Health Plans Worth the Risk?
Politics aside, ACA plans provide affordable care to many Americans. For those under 300% of Federal Poverty Level, these plans can provide a very affordable option. When you sign up for these plans...
The Legend of Bigfoot
As we have wrapped up the very successful Bigfoot Festival in Marion, I was thinking about how Bigfoot relates to retirement planning; both can be very elusive. When conducting a search you find...
Well Done, Good and Faithful Servant
As a CERTIFIED FINANCIAL PLANNERTM and a believer in Christ, this is what I hope is said of me. I admit that I struggle balancing both Christian beliefs and...
Annual Healthcare Enrollment Ahead
It is almost that time of year. The time when people choose to overpay for healthcare. A 2016 Commonwealth Fund study said that healthcare accounted for over 10.1% of family budgets which is up from...
Healthcare Sharing Ministries
For many Americans, healthcare has become the most significant expense in their budget. With the introduction of the Affordable Care Act (Obama Care), the cost of health insurance premiums has...
What is Social Security Leveling?
I was approached by an NC State Employee who had worked for the State of NC for 30 years but was only 56. They had talked with the State Retirement System and were told that they had the option of...
The IRS is a Bad Business Partner
Managing Income Taxes When you started saving in your 401(k)/403(b) plan you probably did not think I want to go into business with the Government, but that is exactly what happened. Qualified...
The IRS is a Bad Business Partner
When you started saving in your 401(k)/403(b) plan you probably did not think I want to go into business with the Government, but that is exactly what happened. Qualified retirement accounts...
Social Security Leveling- State Employees Beware!
I was approached by an NC State Employee who had worked for the State of NC for 30 years but was only 56. They had talked with the State Retirement System and were told that they had the option of...
Let me ask a couple of questions
If you own a home do you have homeowner’s insurance? Sure, you do because if something major happens to your house you want to be able to replace it. In 2014 only 5.3% of all homeowners made a claim...
Eat Your Greeens
In my younger days, I worked at a summer camp. Those summers were some of the best times of my life! The comradery between the staffs and the chance to serve as a role model for the kids made every...
Additional Retirement Planning Services
Over the last 6 years, I have become known as an expert in Social Security. My company started as a resource for education, analysis and consulting on the subject. For the last 7 months, I...
Still Have Questions?
Need a little guidance from a CERTIFIED FINANCIAL PLANNER™? Get in touch and I will be glad to help you determine if we’re the right option for your needs —no obligation, no commitment.