Don’t forget to KonMari™ your cyber life this spring.
Have you fallen under the spell of Marie Kondo and her passion for choosing joy through tidying up? I first heard of her about three years ago when a friend mentioned she was reading a book (Kondo’s “The Life-Changing Magic of Tidying Upâ€) about letting go of everything that does not spark joy. That incredibly […]
I want to own the world. You should too.
I want to own the world. Well, not really. Greed is not really my thing, and I actually love the simplicity of fewer possessions. But I do want to have exposure to the whole world in my investment portfolio. It is not an obvious choice. Since 2010, International equities have under-performed the US market. […]
CFP Board Ethics Updates: What they mean for you
We at Together Planning value the CERTIFIED FINANCIAL PLANNERTM marks[i] because we believe that the public is well served by the efforts of the CFP Board to elevate the financial planning profession through its high standards of both ethics and competence. Jud earned the right to use the CFP® marks in 2009 and I just […]
Surprised by your tax return?
2018 was Year 1 of the Tax Cuts and Jobs Act signed into law in 2017, so we are just now seeing the results for families as they begin to file their tax returns. Here are a few of the biggest factors we have seen in our financial planning clients being surprised by the effect […]
Paying for college soon?
I attended a webinar yesterday hosted by Joe Messinger, CFP®, ChFC®, CLU®, co-founder of Capstone College Partners. He and his company provide expert advice and train other advisors in helping their clients navigate college funding. Their mission is to end the student loan crisis one family at a time. We fully support his mission of […]
Are you on F.I.R.E.?
Have you noticed the significant uptick in the number of articles in the past few years about young people who save 60+% of their income, limit their expenses to the bare minimum and retire before age 40? The name for this movement is F.I.R.E.: Financial Independence, Retire Early. There are a couple of great takeaways […]
New Membership in NAPFA
We are proud to have joined the National Association of Personal Financial Advisors (NAPFA). This organization of fee-only financial planners requires an ethics oath and continuing education beyond what is required by the CFP® Board. Here is a summary from the “About NAPFA” page of the organization’s web site. The National Association of Personal Financial […]
What does it mean when the yield curve inverts?
If you watch or listen to market news, you have likely heard analysts mention the flattening of the yield curve, or the possibility of yield curve inversion, as a harbinger of economic recession. It is true that an inverted yield curve has preceded every post-war recession in the U.S., and the last time it happened […]
