We offer free financial insights that we update regularly. View the Videos! →
It’s hard enough planning for risks that could affect your current income. Start to think about potential risks to your income in retirement, and it’s harder still. Since many of the people I talk to aren’t aware of the risks to their current income, it...
When you hear the term money action plan, what does it make you think? Hopefully, it conjures thoughts of executing a plan. In our busy lives, we often have more time to think about a plan, than time to execute a plan. What’s your money...
Most people that I talk to don’t have a spending plan and feel financial independence is a pipe dream. True financial independence means having enough wealth to live on without working. For you it may mean living a certain lifestyle. However, most of the people...
Do you have a spending plan based on maintaining your lifestyle? How long can you sustain your current lifestyle? Have you stopped to envision what retirement lifestyle you want to enjoy? Is it visiting grandchildren, taking trips around the world are taking time for some...
Saving for college costs is important. But there’s more to college planning than just saving money. Consider these ideas to help you cut back on the cost of college. Remember, every dollar that you don’t have to put toward college tuition can be reallocated for...
The term financial planning gets thrown around casually. The terms financial advisor are often used interchangeably. Some financial planners deliver what I would call an assessment that does not have to be in your best interest a suitability assessment, rather than a best interest assessment....
I recently met a couple who had a strategy for their retirement investments, but no strategy for claiming Social Security. Using advanced software, I projected they would potentially increase their lifetime income sufficiently by using the replay strategy highlighted in “Get What’s Yours, The Secret...
In my experience, most people focus on their children’s college goals at the expense of their retirement. Depending on you, you’re paying for private school, cars, homes and food that supports them today. Heck, you’re enjoying having them around. That doesn’t mean you don’t want...
Flexible spending accounts aka FSA are underutilized. If I ask, “How would you like to save, say for example, 20% off your healthcare and summer camp bill, you may think differently. Your discount will depend on your tax rate. Let me give you some background...
Each year, the Free Application for Federal Student Aid (FAFSA) application period opens October 1. It’s important that you file this paperwork as close to October 1 as possible. Why? The FAFSA is used to apply for federal, state, and college-based financial aid. This paperwork...
Paying for college is about more than saving money. It’s also about reducing the cost of attending. If you have college-bound children and plan to help pay for school, this information can help you prepare and pay for college costs. Create a plan to pay...
I regularly meet pharmacists, lawyers and MBAs with $200,000 in student loan debt, struggling to pay off interest years after graduation. When you borrow money to invest in your education, you know that paying interest on that student loan debt is simply part of the...
Values-Based Financial Planning
At Envision, we help you implement values based financial planning which ensures that your financial decisions are aligned with your most important life goals and values. We’re great at finding ways to save you money and help you build wealth faster, but we’re even better at listening.
Tell us what's important to you
Get Started Today