Should I Freeze My Child’s Credit?
I have to admit I had not really thought much about my kids’ credit. I always thought that was something we would teach them more about as they became teenagers and started looking to get their first credit card. However, I learned something recently that has me thinking more about it and planning to take […]
Be Smart About College Funding
College is a business. Non-profit or for profit, they are all in the business of recruiting the best class of incoming students and graduating the most employable class. They select their need and merit-based scholarship recipients to achieve these goals. Understanding how you and your student look to these schools as early as possible can […]
Technology, Your Budgeting Assistant
Last week the private wealth management team hosted our first brown bag lunch workshop titled “Judgement-Free Budgeting”. We gave each person or couple 90-day access to our professional budgeting software and introduced them to the features of the program. The primary objective of this workshop was to help each attendee utilize technology to create their […]
Judgement-Free Budgeting
Happy New Year from APCM! If budgeting is one of your New Year’s resolutions, we are excited to invite you to our first brown bag lunch workshop on January 18th “Judgement-Free Budgeting”. Today’s technology makes many tasks easier, including awareness about our spending habits. Bring a lunch and take an hour out of your day […]
The Importance of Planning – aftermath of the earthquake
The morning of November 30, 2018 started out like every other morning of the year. I woke up, completed my morning routine, got the kids ready for school, kissed my wife goodbye on her way to work and began leaving the house to drop my son off at school. In one moment (what felt like […]
The Private College 529 Plan
College students like me are painfully aware of tuition prices. What’s more, the cost of attending college is constantly rising. Even still, many families want to help their children pay for college. To accomplish this, many people use tax advantaged college savings vehicles called 529s. Recently, alternatives to the traditional state-sponsored 529 plans have emerged. […]
Signing up for Medicare soon? Here are some resources.
One of the important components of retirement planning is health insurance. In fact, we see many individuals waiting until age 65 to retire to avoid paying large private health insurance premiums prior to Medicare. But once you are turning age 65, how do you navigate the many options surrounding Medicare? We hope this brief summary […]
Why the Time is Now for Roth Conversions
We have all heard and agree that the Roth IRA can be a valuable strategy for retirement, considering the future tax-free withdrawals. The tax-free withdrawals require you to have reached the age of 59 ½ and held the account for five years or more. In the past, we talked about one strategy of converting money […]
HSA Opportunities When Cash Flows Are Tight
Do you have HSA high deductible health insurance that you are not using to its fullest benefit? In 2018, if you have HSA eligible insurance, meaning you have a plan with the initials “HSA” in the title, it comes with the opportunity to fund a separate voluntary Health Savings Account. Ideally, you fully fund the […]
Empowered Kids
One of our mission stated goals is to empower our clients on a path to secure their own financially confident future. For that reason, we regularly host educational events that provide a variety of life and financial tools to help our clients and guests relieve the anxiety around financial planning. The event feedback has been […]