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Do you ever lie awake at night wondering how to make a complete wreck of your financial situation? Here are 7 easy ways to trash your finances. 1) Why educate yourself on financial matters today? Wait till your spouse dies or becomes disabled to do it. That way, you can...

By Heidi Davis, CFP® I love those “aha moments” when my clients fill in the gaps in their knowledge, and I decided it would be fun to share some of them. A divorced professional woman recently met with me. Like many people who seek my services, she knew she needed...

What Are Individual Retirement Accounts? An Individual Retirement Account, or “IRA”, is a personal savings plan that gives you tax advantages for your retirement savings. Social Security is not designed to fund all of your retirement income. So, the IRA is an incentive by our government to help you save and...

As a Certified Financial Planner™, I get to work with many wonderful couples in their late 40s, 50s and 60s who are planning their retirement. Many hope retirement will allow them to volunteer for a cause close to their heart, travel more domestically and internationally, try out a new job, spend more...

You’ve probably seen recent headlines like, “More Snow Storms Expected to Hit Parts of the U.S.” Life can be unusual and unpredictable, just like our weather! An emergency fund, such as a savings account, can be a financial foundation that may help to “support” you during the “storms” of life....

  Could you use some extra cash from your paycheck now rather than waiting for your tax refund? Would you like to reduce a possible balance due on your 2010 Federal income taxes? You can make adjustments to your Federal Income Tax (FIT) withholding to increase the amount of money...