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...

In my experience, most people focus on their children’s college savings goals at the expense of their retirement. Depending on you, you’re paying for a private school, cars, homes, and food that supports them today. Heck, you’re enjoying having them around. That doesn’t mean you...

When it comes to retirement income, a lot of people worry about running out of money as they age. On the other hand, when retirees are set up with fixed-income strategies (via a pension or annuity) they’re often working on a budget, which creates some...

If you are losing sleep wondering if you have enough retirement savings you are not alone. A recent study by Bankers Life Center for a Secure Retirement (Study) finds many middle income boomers have retirement savings worries. While one-third feel very...

No small business owner I have talked to knows their 401k plan fees or their effective tax rate. One of the questions on the Envision Wealth Structural Assessment is “Do you know your effective federal income tax rate? I have yet to...

Getting a tax refund is exciting — who doesn’t love extra cash? But that check from the government can actually be harmful to your financial health. In fact, a refund is often a sign that something is amiss in your financial plan. The fallacy of...

Do you dream of retiring one day to a brighter future? Have you thought much about the journey, its uncertainties, twists and turns? I call that the pain. You probably need to invest in the markets to get a return to at least keep up...

Most people I talk to haven’t taken a class on retirement planning, much less 401(k) investments like a QDIA. A QDIA — qualified default investment alternative — is where a 401(k) puts your money if you don’t select investments. Yet most employees don’t remember reading...

There’s a rule of thumb in financial media that you need a million dollars to retire. For some clients though, the idea of saving up a million dollars or more to retire sounds daunting. In my opinion, not everyone needs a million-dollar balance, and the...

When you hear the phrase financial independence, what comes to mind? When you hear the word retirement do the same images come to mind? This isn’t your grandfather’s financial independence The word retirement conjures up thoughts and emotions. Many of those thoughts and emotions are...

In your busy life, have you taken some time for yourself to think about your vision of financial freedom (retirement)? After all, your retirement vision has more to do with having enough resources to live the way that you want to live. Financial Freedom -Less...

    Retirement Vision: Financial Freedom or Halt Working? What comes to mind when you hear the word- retirement? For many, those images are not positive. It means past bad decisions and continuing to live in the slavery of a job that one hates, but pays...