We left our Group Health Plan for the ACA: Here is how it worked out

Two boys wearing masks standing next to a bush.

My husband and I are both partners in our firms, so neither of us have health care costs subsidized by employers. We have traditionally participated in his firm’s group plan, but rising costs over the past few years led me to look at other options. I started looking into the Affordable Care Act (ACA) plans […]

2020 Bear Market

A close up of some yellow and purple flowers

You woke up today to headlines that market futures fell overnight, and we are seeing another big drop so far today. You may be wondering if things have changed since our last message to you, and if you should do something different. Overnight, markets reacted to fears that many parts of the world, including the […]

A Volatile Week: What to Do Next

A bull and bear on top of a graph.

This is what we’ve planned for! Thoughts to remember in this period of market volatility. As investors, we know that we cannot achieve high long-term returns without periods of volatility, so we try to keep these market movements in perspective. Here are some of our thoughts. 2019 brought positive returns: S&P 500 up 29%, Dow up 22%, corporate […]

First-Time Homebuyer? Here’s How to Prepare Financially

A house with grass and bushes in front of it.

Recently I was asked to send in my top tip for first-time homebuyers to be included in a blog post for Redfin.  It was fun to get it back and see what other thoughts the other CFP® professionals offered.  Apparently many of us think alike!  I don’t agree with everything said here, but it is […]

Let’s talk about the B-word

A woman wearing glasses and clapping her hands.

…the part of financial planning that everyone dreads, no matter their income. This week I received an email from a client with some answers to follow-up questions about her financial plan. At the end she wrote, “no progress on the b-word. Sorry.” It made me laugh out loud. The b-word that she so dreads is, […]

Jud Featured During Wise Money Week

A green banner with the words " wise money week 2 0 1 9."

As part of the 8th Annual Jacksonville Wise Money Week, our own Jud Mallini was pleased to participate as part of a team of representatives for the Financial Planning Association of Northeast Florida, answering financial questions for members of the greater Jacksonville community. The panel set up a phone bank that afforded community members the […]

Two incomes may not be better than one

A woman and child are reading together.

Or, why some well-educated feminists stay home. [The messy truth about gender roles in my family.] When my husband made partner at his law firm in 2009, they hosted a small but sweet dinner for him, along with the other new partners and their spouses.  I had been a stay-at-home mom for a few months […]