• The Money Talk: A guide for couples to begin (or continue!) a money conversation

    Nearly half of all marriages end in divorce and money is named as the #1 cause of friction among couples.Money can be a sensitive subject, even taboo for many couples. Remember hearing your parents say “We never discuss money or politics at the dinner table?” We usually avoid talking about financial goals and spending until there’s a problem. By that time, the conversation starts as a blame game and both sides put up their defenses.Talking about money early, as a way to plan your future together, can be a bonding exercise rather than something that tears you apart. And if you missed the “talk early” memo, it’s never too late to start this in earnest. In fact, I encourage you to continue this conversation at least annually, and eventually bring your children into these meetings. Some families call this a Family Council or Summit meeting. You might be surprised by what you learn when you talk about this subject regularly!You don’t have to be financial soul mates or match up perfectly with your partner’s financial goals but you do need to know where you both stand. Understanding each of your financial goals and will help you see your money issues from both perspectives and make it easier to find solutions that work for both of you.

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  • FAFSA Application Advice for College-Bound Kids: Apply Sooner Than Later

    “Students who file the FAFSA during the first three months tend to get twice as much grants, on average, as compared with students who file the FAFSA later.” The catch? While you are generally required to submit your FAFSA application for the 2020–2021 academic year by June 30, 2020, you are permitted to do so any time after October 1, 2019. If you’re busy with a million other things – and who isn’t? – you might be tempted to let your application slide until, say, after the holidays. We caution against doing so. The sooner you apply for FAFSA after October 1, the more likely your efforts will pay off.

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  • Investing Lessons from the Trail

    (Image: Chris & Jennie on top of Half Dome) Investing Lessons from the Trail Over the long Fourth of July […]

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  • Market Update: Second Quarter 2019

    Market Update: Second Quarter 2019 After a rollercoaster second quarter, stocks ended the first half of the year on a […]

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  • Avoiding Financial and Identity Theft Scams: A Reference Guide

    A quick reference guide to protecting your money and your identity.Who Are They? Financial fraudsters are after your assets. Identity thieves steal your personal information (often to then commit financial fraud).

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  • Protecting Your Child’s Identity

    As distasteful as the idea may be, child identity theft is a serious and growing concern, for several reasons:It happens more often than you might think. In a 2018 Child Identity Fraud report, Javelin Strategy & Research found more than a million children were identity fraud victims in 2017, costing families more than $540 million in out-of-pocket expenses.

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