Ryan M. Vogel, CFP®
Got Any Good Stock Tips?
Key Takeaways Investment speculation is futile. The stock market is efficient and rewards investors over time. Portfolio design is the...
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Brenden Leese, CFP®
- Sep 20
- 5 min
Making the Most of the (Credit) Cards You’re Dealt
Key Takeaways If you can’t pay off your cards in full, always pay off higher-interest-rate debt before lower-interest-rate debt. Managing...
Daniel Satz, CFP®, MPAS® CRPC®, AWMA®
- Sep 6
- 4 min
Trying to Time the Mortgage Market?
Key Takeaways The Fed doesn’t set mortgage rates. Look to the 10-year Treasury for guidance. If life circumstances dictate a move, do the...
Ryan A. Dunn, CFP®
- Aug 30
- 5 min
Borrowing Money for a Major Purchase? Call Us First.
Key Takeaways Sometimes selling stock or other investable assets to raise cash for major purchases makes sense, but not always. Debt can...
Robert Dunn, CFP®
- Aug 23
- 4 min
Authenticity In The Tech Age
Key Takeaways Details are so important when it comes to personal finance. Not every client has the same relationship with money—even many...
Brenden Leese, CFP®
- Aug 9
- 3 min
Student Loan Repayment Resumes
Key Takeaways The three-year pause on student loan repayment ends in August. Beware of scams. The average borrower takes 20 years to...
Ryan M. Vogel, CFP®
- Aug 1
- 4 min
CD Rates Are Back! Do They Make Sense for Me?
CDs are great for term short-term savings for major purchases (but not if you’re in a high tax bracket). CDs are safe because of FDIC...
Ryan A. Dunn, CFP®
- Jul 12
- 5 min
Back to Basics: Bonds
Key Takeaways Bonds have many benefits in your portfolio including diversification, volatility dampening, and a hedge against stock...
Brenden Leese, CFP®
- Jul 5
- 5 min
9 Simple, But Powerful Ways for Young People to Save Money
Key Takeaways Save first and then live off what’s left. Avoid food delivery services, eat out sparingly and cancel subscriptions and...
Robert Dunn, CFP®
- Jun 22
- 6 min
Wrong Question, Right Financial Mindset: The Question We Really Want You to Consider
Key Takeaways Consider how you would complete the following statement: “I will be wealthy when……..” The business models used by large...
Ryan A. Dunn, CFP®
- Jun 14
- 4 min
Sitting on Too Much Cash? Critically Assessing Your Emergency Fund Needs
Key Takeaways After a decade of low interest rates, there are now multiple options to get a good return on your cash. If considering a...
Daniel Satz, CFP®, MPAS® CRPC®, AWMA®
- May 11
- 4 min
Are People with Good Credit Being Penalized?
Key Takeaways Making a downpayment of 20% or more can help individuals avoid mortgage insurance and start building equity and wealth...
Ryan M. Vogel, CFP®
- May 3
- 4 min
When Does It Make Sense to Pay Off Your Mortgage?
Key Takeaways Being too conservative can lead to poor financial decisions. Before rushing to pay down that mortgage, think about where ...
Ryan M. Vogel, CFP®
- Apr 26
- 4 min
How Financial Advisor Custodians Work
Key Takeaways If your investment advisor has custody of your funds or investments, they must protect these assets by using a qualified...
Daniel Satz, CFP®, MPAS® CRPC®, AWMA®
- Mar 29
- 5 min
Stressed Banking Sector - Should I Worry?
Key Takeaways The global financial crisis taught us that mismanaged banks are susceptible to failure. Deposits up to $250,000 and...
Daniel Satz, CFP®, MPAS® CRPC®, AWMA®
- Mar 22
- 4 min
Recently Come into a Lot of Money?
Key Takeaways Receiving a large sum of money can be just as stressful as losing lots of money. Give yourself at least a year to get your...
Daniel Satz, CFP®, MPAS® CRPC®, AWMA®
- Mar 10
- 3 min
With So Much Focus on Building and Preserving Wealth; It’s Easy to Neglect Your Health
Key Takeaways We spend an inordinate amount of time focusing on careers and our financial lives, but not enough on our mental and...
Ryan M. Vogel, CFP®
- Feb 8
- 4 min
What I’m Teaching My Kids About Money, Part 3
Key Takeaways Use college savings as a real-life example when educating your kids about investing. Risk and return are directly related....
Candace Henry
- Dec 29, 2022
- 7 min
A Year In Review: Top Novi Blogs of 2022
2022 was a year of COVID variants lingering, supply constraints continuing, and the highest inflation we’ve seen in 40 years plus the...
Brenden Leese, CFP®
- Dec 7, 2022
- 5 min
How Your Kids' Use of Credit Impacts You
Key Takeaways Your credit score is crucial when it comes time to make big purchases in your life. Know how to correct discrepancies and...
Ryan M. Vogel, CFP®
- Nov 16, 2022
- 5 min
Reducing Concentrated Stock Positions
Key Takeaways One silver lining to today’s highly volatile bear market – great planning opportunities. If an individual stock accounts...
Daniel Satz, CFP®, MPAS® CRPC®, AWMA®
- Sep 28, 2022
- 3 min
An Update on New Jersey's ANCHOR Program
By now, you may have received the ANCHOR program application in the mail, or will very shortly. The delivery date varies from county to...
Brenden Leese, CFP®
- Sep 21, 2022
- 4 min
More People Than You Think Are Eligible for Student Loan Forgiveness
Key Takeaways Single borrowers making under $125,000 a year and couples making less than $250,000 a year generally qualify to have up to...
Ryan A. Dunn, CFP®
- Sep 7, 2022
- 5 min
Financial Planning Considerations For Those About to Enter Into Marriage
Key Takeaways Financial stress, along with infidelity and growing apart, are top reasons why marriages fail. Many couples did not have...
Daniel Satz, CFP®, MPAS® CRPC®, AWMA®
- Aug 17, 2022
- 4 min
Tips for Coping with Record High Gas Prices
Key Takeaways Believe it or not, these aren’t the highest relative gas prices in U.S. history. Behavioral finance explains why. Changing...
Brenden Leese, CFP®
- Jul 20, 2022
- 3 min
Students Now Less Likely To Be Penalized for Grandparent 529s
Key Takeaways New FAFSA form no longer counts grandparent 529 accounts against student aid eligibility. 529 plans offer grandparents...
Ryan A. Dunn, CFP®
- Jul 13, 2022
- 4 min
Take a Break from the News
Key Takeaways Next time a screaming head on TV tries to scare you into running for the hills, just tell yourself: “We’ve seen this movie...
Daniel Satz, CFP®, MPAS® CRPC®, AWMA®
- Jun 15, 2022
- 5 min
Downsizing on Your Own Terms
Key Takeaways According to the AARP, nearly 90% of adults over 65 want to remain in their current homes – even if it’s not practical. One...
Brenden Leese, CFP®
- May 25, 2022
- 4 min
National 529 Day Should be All Year Round
The ultimate college savings showdown: 529s v. UTMAs v. Roth IRAs.
Ryan A. Dunn, CFP®
- May 18, 2022
- 4 min
How to Kickstart Your Financial Spring Cleaning
Key Takeaways Make sure insurance policies and estate plans are up to date and have no gaps. Consider ending those subscription you...
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