Financial Planning Blog

Your investment returns aren’t performing as well as you planned. Singing the investment returns blues? So your Morningstar investment rating shows 5 stars, but your actual investment returns only show 1 star? What gives? Not too long ago, looked at a client’s portfolio and found...

Building a child’s wealth, financial literacy, and experience with handling money, while they’re young, is critical. Wealth is a matter of both money and mindset!  Start by being mindful of the consequences of your own spending and investing actions. Your goal is to ensure that the...

In my experience, solo entrepreneurs are more familiar with the SEP-IRA than the Solo 401(k). A SEP (simplified employee pension) plan allows employers to contribute to traditional IRAs (SEP-IRAs) set up for employees. A business of any size, even self-employed, can establish a SEP. While...

Ethical financial advisors are on the rise and are now doing things within their businesses with the hope to serve as an example of the right behavior for the rest of the industry to follow. I’m tired of the nonsense “top advisor” lists based on...

As a woman, are you feeling financial stress? You’re not alone. Financial Finesse reported that 55% of women ages 30 to 55, with minor kids and household incomes less than $60,000 a year, report “high” or overwhelming” levels of financial stress. They aren’t the only...

When it comes to women and money, anxiety can often ensue. Yes! Women can reduce their anxiety over money by making smarter moves. Over the course of a half-hour conversation, a new client used the word “anxiety” four or five times when talking about her...

YourStake Edition Envision Wealth Planning has a passion for helping clients incorporate women’s empowerment and other personal values into their financial plans. We help clients invest in companies with strong financial records as well as how those companies treat the women who work for them....

Retirement planning for women can be trickier than most people may think. Most women I talk to are more concerned about paying less in taxes today than when they retire. In my opinion, women should shift their focus to paying less over their lifetime. For...

Here is my case as to why an investment fiduciary advisor will not always meet your best interests. The meaning of fiduciary is a little more complicated than asking this simple question, “Are you a Fiduciary?” I understand the intent of why they are asking...

As a CERTIFIED FINANCIAL PLANNER™ (CFP®), I often hear from millennial women, “But Mr. Brewer I don’t have any money to invest!” But I usually respond with, “Could there be funds available that you just don’t know about?” Let’s examine what might be going on. Credit cards make spending...

Can women retire successfully if they were to invest in gender equity? It’s well known that women and, even worse, black women suffer a pay gap compared to white men. It’s also reported that women tend to be more interested in ESG investing (Environmental, Social,...

Is the pursuit of your financial success goals based on your values? Unfortunately, way too many people just do not take the time to sort out what it is that really matters to them! Believe it or not, what most people get when it comes...