Should You Give to Charity Now - or Wait Until 2026?
This year, you may want to consider whether to make your charitable gifts before the end of 2025, or wait until 2026. This is due to the July passage of OBBA, the “One Big Beautiful Bill Act”
✪ Anna became a widow at 47
“I don’t know where to begin.” Anna: "Rick, I sit down to sort things out and I freeze. I’m terrified of making the wrong decision. I get unsolicited advice from family members and friends on what I should be doing. My brother-in-law tells me I should sell the house."
New market highs and the AI race: Will it end badly?
2025 has been quite an impressive year for stocks. The unmanaged S&P 500 index is up over 15% year-to-date1 and closing in on what will likely be a third calendar year of strong double-digit returns.
Pros and Cons of Debit Cards
How often do you use a debit card? Today debit cards are widely used, but are often not the optimal method for payments. When opening a checking account, banks and credit unions usually issue a debit card with the new account.
😥The real price of a degree: The drag of student debt after graduation
Your child's college choice will define their next four years, but if borrowing, the real impact is the shadow that it will cast on the decade following graduation.
✪ What's going on in your life?
As a financial planner, one of my favorite questions to ask clients is: “What’s going on in your life?” It sounds simple, but you’d be amazed how often big life decisions happen first — and the phone call to me comes after.