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News, Ideas and Updates

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By Denise Downey

Kids and Money

Despite all the money spent on education, it’s rare to receive much education on money. I speak with many people who openly admit, “nobody ever taught me this stuff.” Some figure it out along the way. Others struggle with money their entire lives. Either way, few parents educate their children on money.

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By Denise Downey

Retiring Early

Forest fires are all over the news these days, but I’d like to address a different fire today. In the financial planning world, there’s a lot of buzz around the FIRE movement.

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By Denise Downey

Socially Conscious Investing

Climate change is slapping the western US in the face right now, so it’s on many people’s minds. Most people are curious to know what they can do to help. Socially conscious investing provides one path forward.

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By Denise Downey

Your FICO Credit Score

Many, many things are more exciting than a credit score. Unfortunately, our credit score defines the contours of our adult lives.  So, it’s worth a few minutes to make sure you understanding what this score is and how it impacts you. 

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By Denise Downey

Next Level Adulting

When people call a plumber, they know what they want. But when people call a financial advisor, that’s not always the case. I often field calls from people who believe they should be consulting a professional but are not sure why. Eventually, they arrive at the same term: next level adulting.

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By Denise Downey

Where Does Your Money Go?

Your work hard for your money. But does your money work hard for you? The topic of budgeting comes up in many of my client conversations. However, I rarely hear “I need help with my budget.” Instead, I hear questions like:

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By Denise Downey

How to Prepare for a Recession

Right now COVID-19 is winding its way across the globe and it’s wreaking havoc with the global economy.  We’ve seen factories drop production, schools are closing, and companies are suddenly adjusting to a remote workforce.  The stock market doesn’t look pretty.

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By Denise Downey

HSA, the Unsung Hero

The HSA may be the most underused financial vehicle around. I wish more took advantage of its benefits. Many have never heard of it and those who know of them often confuse it with its cousin, the FSA. But the HSA, or Health Savings Account, provides some very powerful tooling to help you spend money on healthcare efficiently.

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By Andy Masaki

5 Money moves to master in your 30s for a guaranteed debt free life

When in your 30s, you start getting the hang of life. At this age, you take home a bigger paycheck than your 20s. After some trial and error, you’re managing your finances better. Still, you maybe in some kind of a financial rut. You deal with financial challenges like student loans, credit card debt, mortgages, and childcare, but also dream of striking gold in the future.

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By Denise Downey

The Entrepreneur's Guide to Saving for Retirement

Nothing quite beats the thrill of entrepreneurship. Whether it’s opening your own coffee shop, running the family business, or building the next great app, self-employment gives you an exhilarating amount of control over your life. You can do what you want, the way you want, when you want to. But…

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By Denise Downey

How to Choose a Financial Planner

Finance can be a daunting place to navigate. Mutual Funds or ETFs? IRA or Roth IRA? What is a required minimum distribution? It’s no wonder people hire professionals to help guide them through this complicated territory. Of course, then, the most important question is: how do you find a financial planner you trust?

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By Denise Downey

College Savings 101

College is now the second largest lifetime expense that you can expect to tackle, surpassed only by the cost of buying a house.

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