In the world of financial advice, we spend most of our time talking about investments, taxes, insurance, etc. These are good things and there is a lot of value in fine-tuning these variables, but sometimes I think we miss the pillar that all of this is built on: saving money.

It’s open enrollment season, which means it’s a good time to talk about the Health Savings Account (HSA). HSAs are the most overlooked and underutilized investment vehicle there is. What is an HSA? An HSA is a tax-deferred savings vehicle for health expenses. It is triple-tax advantaged, which means: Your

I work with a lot of mid-career professionals. One trend I’ve noticed is a common desire to create freedom and flexibility with their money today. They want to go beyond simply saving for a retirement decades in the future. Semi-retiring, or the “work-optional” life, is much more appealing. They want to

What do you do with extra cash flow after you have a basic level of financial security in place? You have an emergency fund, no high-interest debt, and you’re on track to retire at a normal age. A common desire is to live mortgage-free, so you might consider making extra

Why should I hire a financial advisor? That is the big question many people will ask at some point in their life. It’s a big decision and should be well thought out. In the past, an advisor’s main value-add was investments. The question then of whether it’s worth hiring an