Financial Planning Gets Results

You have probably seen the statistics about how woeful our nation’s retirement savings are.  One of my goals is to help change that over the coming decade.  I wanted to write a short piece about my experience earlier this week with one of my clients. 

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How Long of a Retirement Will you Have?

When I do financial planning for a client, the most important aspects of the plan are the inputs.  A plan is only as good as the information you give the software…  and one of the hardest assumptions for people to decide on is their life expectancy.  We know that in general, due to medical advances…

Should you buy a vacation home?

The past few weeks here in the northeast have been brutally cold!  Temperatures are more than 30 degrees below normal.  In Baltimore, we came within a day or two of the most consecutive days below freezing in history!  My kids are running around this house screaming on a daily basis.  They are stir crazy already…

Huge Change to Military Retirement Plan

So, in a move similar to the business sector, the government will now be shifting more of the retirement liability on our individual military families. Providing access to the #TSP of which they will need to defer a portion of their paycheck AND choose how its invested.  In addition, the pension payout is to be reduced. Education…

Summary of the NEW TAX BILL for Individuals and Small Business Owners

Happy New Year!  It is amazing, but Congress was actually able to pass a tax bill at year-end.  I know, I know, everyone has heard about how they missed their chance to have “real” reform.  How it’s a benefit to the ultra-rich.  How corporations make out like bandits and the little guy doesn’t.  But, in…

What is it like to attend an Army-Navy Game?

Normally this is one of my favorite days of the year….the annual Army/Navy football game.  For those of you who don’t know, my father was a West Point graduate.  He loves football and has always followed how his cadets were doing.  (For the past decade, it hasn’t been too good.) Around 2004 I believe, I asked…

The Truth About Receipts

If you are looking for great tax advice I have to recommend you follow Mark J Kohler online.  I have been a follower of his…

How to cook a turkey…in Different areas of the United States

Google Trends is a great place to go to find out what Americans are interested in.  The treasure trove of data via search is immeasurable for companies big and small.  I popped on there this morning to look at the most searched Thanksgiving related items. https://www.facebook.com/plugins/post.php?href=https%3A%2F%2Fwww.facebook.com%2FCelestialWealthMgmt%2Fposts%2F1673957062655936&width=500 I thought this chart was interesting.  The vast majority of…

Who are the top Influencers?

As I continue building out this blog one my goals is to become your “Source of the Source”.  Today, there is information everywhere and everyone claims to be an expert. But, a ton of information has little data behind it and is just opinions.  Others use hand-picked data to support their point, conveniently leaving out…