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College Planning

College Planning Financial Planning

Save for retirement or pay off student loans — which to choose?

For many young professionals, student loan repayment and saving for the future feel like opposing financial forces. On one hand, there’s the pressure to aggressively pay down debt. On the other, there is the desire — and need — to build a stable financial foundation for the future: emergency funds, retirement savings, buying a home, and more. The good news? You don’t have to choose one or the other. With the right strategy, you can make progress on both fronts.

Back to School
College Planning

School’s back, and so is the latest CPI data. What does it mean for you?

The most recent consumer price index reports show inflation dropping quarter over quarter and year over year, which is positive. The only disappointing part of the CPI report is that shelter costs are still ticking up month over month. None of us would like to see the value of our home go down, but it would help the consumer if the cost of rent and owners’ equivalent rent were to slow in its increase as that is putting pressure on consumers as they renew their leases. 

Parent talking to kids about money
College Planning Legacy Planning

It’s time to talk to your kids about money

As parents, we all have the best of intentions as we raise our kids. We try to instill good health, hygiene, nutrition, study, and work habits, and we hope that they embrace those lessons and carry them into their adult lives. 

Expecting Parents
College Planning Financial Planning Insurance

What to (financially) expect when you’re expecting

Of all of life’s great milestones, maybe the most beautiful is having a child. My wife and I are expecting our newest next month, which will make it three girls under 4 years old. 

As wonderful as these gifts are, they come with a price. According to recent studies, the average cost of raising a child from birth to 17 for a middle-class married couple has surpassed $300,000. That’s before factoring in a dime of college expenses.

Give the Gift of Financial Security
College Planning Financial Planning Retirement

Skip the registry: Give the life-changing gift of financial security.

One of the great things about my job is that I get to walk with clients through some of the biggest milestones of their lives, whether it’s getting married, having children, or retiring. We’re not just celebrating these achievements — we’re using the opportunities to dig in to how they affect the person’s finances and to help set them up for success moving forward. 

College Planning Tax Planning

Have a plan to tackle your 2023 taxes

At FFP, we take a bulk of that work off of our clients, prepping and sending documents directly to them and their CPA. We take a very coordinated approach to this — we don’t want the client to have to be the middleman. It’s simple for me to jump on a conference call with a CPA and make sure everybody’s on the same page and we have an open line of communication.

Perfect Christmas Gift
College Planning

Finally, the perfect Christmas gift

Unless you’re one of those “wrapped and done by December one” people, you probably have some names left uncrossed on this year’s Christmas list. If that’s the case, I want to take a minute to suggest that you give the most boring gift of all. 

Blog College Planning

Most Americans live paycheck to paycheck. You can break the cycle.

If you’re like the majority of Americans, you might be living paycheck to paycheck. That’s according to a recent report where 61% of U.S. adults said they spend all of their income every month on bills like housing and food.

We’ve hit a perfect storm where pandemic funds have dried up, inflation has been running hot over the past year, and wages have struggled to keep pace. The result is dwindling savings and record-high credit card debt, and it can feel like you’re barely treading water.

Young traveler saving for future trips for financial freedom
Blog College Planning Financial Planning

Pay Yourself: Why taking that trip is important to your financial freedom

As young investors, everybody wants to advise us on what to do with our money. Bloggers, social media personalities, and TV talking heads claim their method will get us on the path to wealth and early retirement. We see it so much that some of us start feeling guilty, like every dime that doesn’t go toward our retirement, investment portfolio, or mortgage is a dime that’s setting us back from our goal of financial freedom.

Blog College Planning

With the debt ceiling looming, are your assets diversified?

I’m hearing from a lot of you who are concerned about the debt ceiling battle in Washington and what it might mean for you if the two sides can’t come together on a deal before the U.S. defaults on its bills. 

In my view, the whole rodeo is being blown out of proportion by the media as it floods us with what-if scenarios. There is a history of presidents having to work with a hostile opposition party in Congress when up against the debt ceiling. The only solution is for both parties to agree to raise the debt ceiling and then focus on a truly balanced budget.

Enjoy
the ride.

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