What would a financial wellness check uncover about you in a new year? Many people schedule their health and wellness checkups at the start of the new year. Did you know that January is Financial Wellness Month? Safe to say that we should also apply...
Do you find the idea of basic financial planning too limiting? Financial wellness often makes people think of something more than just a cookie-cutter financial plan. As a matter of fact, financial wellness planning is really about helping people reach their needs and goals....
Financial planning for women is different than how it works for men. Reason 1: Women live longer! This is a series of three articles: #2 will cover women making less money than men, and #3 will cover women staying out of the workplace to care...
Saving for college costs is important. But there’s more to college planning than just saving money. Consider these ideas to help you save on the cost of college. Remember, every dollar that you don’t have to put toward college tuition can be reallocated for other...
What’s your definition of having greater financial independence? I believe we should retire the word retirement and use financial independence instead. When you hear retirement, do you think things like not working, receiving Social Security, and the like? You aren’t alone. Some people believe...
In this post, we examine how our investment planning returns (outcomes) can vary based on our investment experience and behavior. Investment Planning and Investing on Average When you hear the average return is 10%, what do you think you’re going to get the next five...
When would you like to achieve money independence? When would you like to retire? Are these two “goal dates” the same? Let’s examine these two questions. Money independence vs. not having to work Do you ever have days when you feel like you just want...
I’ve been reflecting on the plight of African American wealth and wondering whether or not an African American financial advisor is part of the solution. Yes, I am an African American financial advisor, so I may be biased. I have, however, found that no matter...
Investing has always been considered a “secular endeavor,” while Biblically Responsible Investing (BRI) has been largely ignored. Before I became an investment adviser, my wife’s retirement plan advisor to us, “make money and give it to charity later.” What he didn’t understand was that, to...
How does financial planning work with values integration? The question of personal values comes up daily. As Americans, we believe in life, liberty, and pursuit of happiness. We live by our personal values! We also encourage religious freedom. Yet somehow, when we start talking about...
As a financial advisor to an 86-year-old mother, whom I helped deal with her older sister’s affairs in 2015, I’m acutely aware of the women’s retirement crisis. I remember listening to Sallie Krawcheck on Morning Joe, in April of that year. Sally highlighted that the...
The health savings account (HSA) is an often misunderstood financial planning tool. A health savings account (HSA) is tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a high-deductible health plan (HDHP). Some people confuse it with the flexible...
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.
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