I have helped a ton of people go through the home buying process and every time the same story is the same. They come in with a general ballpark in their head of what they can afford and they are way off. Why? Because they confuse the max loan they can get approved for with what they can actually afford.…
For high-income earners and entrepreneurs, taxes are one of the most important topics. And I get why, no one likes paying tax. This is why tax planning is so important! To do the best planning, you need to stay in front of tax law changes…and big changes are coming in 2026 as tax provisions sunset. In this post, we’ll explore…
Growing up, we often heard that “money can’t buy happiness.” While I understand the why we were told this, I don’t fully agree with this statement. It’s true that buying material possessions like a fancy car, designer clothes, or a luxurious house won’t necessarily lead to happiness, especially if you lack meaningful relationships in your life or people to share…
Almost every millennial I talk to wants to get started investing in real estate. It’s a great goal and a great way to build wealth when done right. However, you cannot just go and buy any rental and think it’ll work out numbers wise. You have to do the math both on new and existing rentals to ensure they are…
This is going to be a short but powerful one this week. Whether it’s finances, health, business related, etc. one of the hardest things to fathom is that you don’t know what you don’t know. You not only have biases and blindspots that can lead to mistakes, but you also have a lack of information as well. When you don’t…
They say an athlete dies twice: once when they retire, and once when they pass away. What they mean by this quote is that athletes, who have dedicated their lives to their sport, face a difficult transition when they retire. From a young age, their focus everyday has been on training, competing, and striving for the next level. Then suddenly,…
I find myself having the same conversation with almost every prospective client, and I’ve realized that it’s a topic I’ve never written about before, even though it’s an extremely important one. Many people in my industry believe that everyone needs an ongoing relationship with a financial planner. However, I disagree. Consider the health and fitness industry and the different needs…
The Backdoor ROTH is one of the most commonly used strategies out there. Over the years, I have heard so many people say “I make too much money to do a ROTH IRA.” And while this is true, there is a loophole, it’s called the backdoor ROTH. Many people today know about it, but many do not understand all the…
Goals are an interesting thing. Some believe in goal setting religiously and others shy away from it. Why? My guess is because they are scared of not accomplishing them. The truth is that we all need goals. We need something to strive for. It’s what keeps life interesting and fulfilling. Plus, how are we supposed to know what to do…
Retiring early is one of the most common goals I see from our generation. It’s an awesome idea to want to be work optional at an early age, but it also requires a lot of planning to make happen. When you retire young you won’t have social security for awhile plus you won’t be taking RMD’s from your 401(K)/IRA. This…