I’ve been asked many times, “Melissa, what’s a good investment?” The simple answer:  One that makes you money. I’d add, One that you understand. Additionally, One that you get a Return on Your Investment (ROI). The bottom line is that the investments you make should be suitable for you and your situation. Considerations Before You Invest Purpose Is the money you intend to invest, … Read More

Investing in retirement accounts can have some benefits.  There are also things you should take into consideration when investing for retirement. Conventional Wisdom “The earlier you start saving for retirement, the more you’ll have later.” “Start putting money into your 401k as soon as you can.” “Save at least 10% of what you make.” Sound familiar?  Did you receive advice … Read More

Home ownership can help build your net worth.  Don’t make the mistake of paying more than you need to though. There are multiple factors to consider when taking on the responsibility of a mortgage.  Unfortunately, most Americans ask a single question, “How much can I afford?”.  In my nearly two decades of experience, I’ve found that it’s rare for someone to ask … Read More

Your net worth is one measure of your financial health.  Say what??? Have you always thought it was your credit score that’s important?  While credit score is important, it is not the sole indicator of financial success.  Instead of credit score, I recommend that you measure your financial health with a combination of your net worth, your ability to spend … Read More

Designed for a year of intentional living; here’s your 2018 monthly checklist!  While it isn’t all-inclusive of everything that you could or should do, this timeline can serve as a starting point. January It’s time to change the batteries in your smoke detectors. When was the last time you changed the batteries in your smoke detectors?  If you can’t remember, it is time! Try … Read More

The enactment of the Tax Cuts and Jobs Act (TCJA) represents “the most sweeping overhaul of the U.S. tax code in more than 30 years.”1  For millions of Americans and businesses it means an altered financial and investment landscape with new opportunities and challenges in the years ahead. Keep in mind, however, that the information in this material is not … Read More

I’ve been on a journey toward simple living for the past decade. For me, it started in my kitchen. Cooking from scratch, using whole ingredients, ridding my pantry of needless and often processed foods. Then it moved from my kitchen to the rest of my home, decluttering and donating, choosing to consume less and appreciate more. Simplicity Became a Part … Read More

Oh, You’re Retiring! When I decided to step down from a position that I had thoroughly enjoyed and through which much was accomplished, I encountered a puzzling experience.  As I shared this decision, I was met with a well-intended “Oh, you’re retiring!” Being in my 50s, I was shocked!  Not only may I live, literally, another 50 years, nothing could be further from the … Read More

Summer is a great time for learning and for getting a refresher on subjects you already know.  Searching for inspiration?  Look no further.  I’ve compiled this list just for you!  Women and Money Smart Women Finish Rich by: David Bach Think and Grow Rich for Women: Using Your Power to Create Success and Significance by: Sharon Lechter Mindset The Trick to Money is Having Some by: … Read More

What does retirement look like for you?  Will you be pursuing your hobbies?  Spending more time with your grandchildren?  Will you be volunteering?  Take a moment and close your eyes.  What does retirement smell like?  Are you and your grandchildren baking cookies to donate at the non-profit where you volunteer? You started working decades ago.  You’ve known that one day you would retire.  It’s … Read More

Situations that require a call to your financial planner are many.  The best advice I can offer is that you plan ahead.  If planning ahead isn’t an option, inform your financial planner immediately when you receive unexpected news.  Anytime you are contemplating decisions with financial implications a call to your financial planner is warranted.   Career Congratulations!  You’ve been promoted You received a raise You will … Read More