Reduce Taxes, Bunch Deductions

Want to save a bunch under the new federal income tax laws? Try bunching your deductions. The new tax law doubles the standard deduction and eliminates most miscellaneous deductions. It takes a lot more of the limited allowable deductions left to reach the threshold for itemizing deductions instead of using Read More

Why Some Millennials are Skipping Starter Homes

One of the most prevalent discussions in today’s housing market is the shortage of available homes for sale.  Construction activity has yet to surpass its pre-Recession peak and in many metros, home buyers are vying over the same few available properties for sale.  Starter homes especially are feeling the inventory Read More

Passive Houses Gaining Popularity Again

A passive house is defined as a house that is able to use approximately 86% less energy for heating and 46% less energy for cooling than neighboring homes.  Passive house design eliminates the need for extra heating and cooling by building airtight homes that do not let in outdoor air.  Read More

Stock Market Predictions from a Broken Record

For investors, happy days have been here so long that it’s beginning to seem surreal. The United States stock market is at all-time highs; we have low unemployment rates and solid company profits. The big question is, “What will happen in the near future?” It’s a question that no reporter Read More

Do You Need Long-Term Care Insurance?

Do you need long-term care insurance? If so, how much do you need? These are not easy questions to answer. Adequate insurance coverage is foundational to good financial planning. Most of us insure our car, house, personal property, health, life, and income. Insurance for these risks is straightforward, standardized, and Read More

Understanding the Appraisal Process

Purchasing or refinancing a home will typically require a home appraisal to determine its current value.  The appraisal should be conducted by a qualified appraiser who is licensed or certified in the state and familiar with homes in the area.  Fannie Mae requires an appraisal from an appraiser who has Read More

Just Say No to the Next Big Thing

How do you spot the investment opportunity that will become the next Apple, Facebook, or Microsoft? Certainly they are out there. Someone is going to discover them and be set for life, so why shouldn’t it be you? Here’s why it shouldn’t. As with all Registered Investment Advisors, the amount Read More

Retirement Funds Ease the Hard Realities of Aging

At the gym where I work out it’s not uncommon to hear us old guys complaining in the locker room about our aches and pains. When the complaining subsides, inevitably someone will remark, “Well, at least getting old is better than the alternative.” If you are fortunate enough not to Read More

Gen X Boosts Homeownership Rate Recovery

The national homeownership rate has struggled to regain traction since the pre-recession housing peak.  Last month, a report from the Census Bureau showed the United States homeownership rate improved to 63.9% in the third quarter, up slightly from second quarter’s 63.7% and significantly from last year’s 63.5%.  One of the Read More