Have you noticed recent ads in the newspaper, or at your local bank branch, for CDs lately? We’ve seen that rates are on the rise, and wanted to pass this information along to you, our valued clients (and prospective clients!).
So when it comes to charitable giving, I know I’ve seen patterns over the 19 years I’ve been in this business as people make the decision to give their hard-earned money to an organization or cause.
Winston Churchill once said that, “We make a living by what we get, but we make a life by what we give.” This is why, as financial planners, we always ask our clients about their giving habits, goals and how they feel about their philanthropic efforts. In some ways it can seem counterintuitive – aren’t we trying to help people maximize their assets and save more? Why would we ask them about giving it away? Several reasons, actually.
By now you should have most of your tax documents in hand and you’re thinking about tackling that task of doing your taxes. Maybe you have some charitable donations to consider, or maybe you’re thinking you want to start a giving plan now to maximize your refund next year. Wondering where to start? We can help.
A neutral third party is a good idea in many situations – right? Take personal training. Telling my significant other to work out more and eat better probably wouldn’t go over well, would it? She’d either ignore me, take offense, or get mad. Really mad! But a personal trainer is supposed to do all those things. That’s what they get paid for, after all.
Every year about this time I try to go through some of the clutter in my house. Invariably, I get to my sock drawer and find about eight socks without mates. I also usually find boxes that never got unpacked from the last move, and my basement these days seems like its sole purpose is to store unused junk. Who needs mismatched socks, or a room full of stuff you don’t use? Once a year, I toss anything I haven’t used in the last year and get rid of all those unworn socks.
Many of our clients at Family Financial Partners are business owners, and that comes with its own set of financial considerations. For those of you who fall in this category, January is often the best time to review or implement your employee retirement plan. A solid benefits package can help your business land the top talent you want, but keep in mind that there’s no one-size-fits-all when it comes to the perks you might want to offer.
Winter weather is upon us, and I know the snowfall has lots of people hunkering down inside. I know I’m trying to use this extra time on my hands to get my own finances in order for the year, and I’m encouraging all my clients to do the same. Here are three ways to be productive while you’re snowed in to help you kick off 2017 financially fit. First, simply ask yourself if you know where everything is in your financial life. By now you’ve probably started a work-sponsored retirement plan or two, opened an emergency fund account, and bought a few insurance policies.
Whether we participate in the annual ritual or not, we’re all aware of that thing called spring cleaning that happens each year (or does it?) when the weather finally starts to warm up. Well, with the first snow of the year predicted for this week, now is a good time to hunker down and tackle a winter cleaning – for your finances.
We all know holidays are busy, and the last thing you want to think about is money stuff. I get it. I’d much rather be shopping for ugly Christmas sweaters and eating way too many holiday treats. But trust me – taking care of these four things today will make the end of 2016 and the beginning of 2017 much less stressful.
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