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...
I regularly meet pharmacists, lawyers, and MBAs with $200,000 in student loan debt, who are still 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...
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...
Some people are shocked when they hear what my financial advisor fee is. Some of those people have 401(k) accounts or IRAs where they pay commissions. However, they don’t know what share class means nor do they have an idea of how much they actually...
Everyone who calls themselves a financial planner is not legitimate. A Financial Planning Services Board study found that just 22 percent of consumers feel strongly confident that they will achieve their financial goals, with only 17 percent believing strongly in their financial know-how, and 19...
Financial planning for divorced people is more important than you may think! When contemplating divorce, many people put themselves under undue stress as they worry about their financial well-being. Much of that stress is due to the fear of the unknown before, during, and after...
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...
By James Brewer The term financial plan gets thrown around casually these days. And the term financial advisor also gets applied equally to insurance agents, stockbrokers, investment adviser representatives, and those with advanced designations such as the Certified Financial Professional. That said, some financial planners...
Have you looked at a map at an outlet mall trying to find your way to a particular store? Some of the signs have a “you are here” sticker to help figure out where you’re at. No matter where you are in life — planning...
Most people 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 I...
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...
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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