True Financial Planning

  1.

    A Few Ways To Increase Tax Returns

    About this time every year most of us get a little excited about getting a tax return check from the U.S. Treasury. While it’s best to change your deductions to ensure that you are not paying more taxes than you should every paycheck, it’s nice to receive a few hundred...

  2. The Rules and Limits of Traditional IRAs

    When looking at all of the different investment and retirement planning tools available, its easy to become overwhelmed. However, the Individual Retirement Account (IRA) is one of the most popular and widely use retirement accounts. The rules that govern the application and management of IRAs change slightly from year to...

  3. 5 Important Sources of Retirement Income

    Before we begin to transition into retirement, we need to make a few difficult decisions. In the best case scenario, you have the opportunity to participate in an employer sponsored savings plan and have little cash left over to invest on your own. If you don’t have that opportunity, you...

  4. Fundamentals of Retirement Planning

    Most of us understand the importance of saving for retirement. However there is a difference between knowing what to do and actually doing it. All of us need to start saving for the employment free portion of our lives. There are many reasons why we decided to postpone our retirement...

  5. Monitoring a Financial Plan

    The last step of the financial planning process involves monitoring the financial plan’s implementation and progress towards meeting goals and objectives. It should be no surprise that the world that we live in constantly changes. Due to these changes, its important to ensure that our financial plans are up to...

  6. Implementing a Financial Plan

    To this point the financial planning data has been gathered and analyzed, financial planning statements have been created, goals and objectives have been measured and financial gaps found. The next step in the financial planning process is implementing the financial plan’s recommendations. Though this is not the last step in...

  7. Closing Financial Planning Gaps

    Analyzing a personal financial plan usually uncovers some financial planning gaps. These weaknesses in a financial plan can range from being underinsured to overspending relative to savings and investments. The most challenging part of the financial planning process, is not identifying gaps, but making the life changes necessary to fix...

  8. Simple Cash Flow Planning Options

    When creating a financial plan, sometimes it becomes necessary that we change our cash flow situation. This can occur due to discovering that we do not have the cash flow required to reach our short and long term goals. Unfortunately, most of us don’t make this change until its already...

  9. Elements of a Financial Plan – Part 2

    In part one of this series I illustrated the importance of having a comprehensive plan. A good financial plan will attempt to “cover all of the bases” and not leave your financial future to chance or risk. In this post I will go over the importance of tax, retirement and...

  10. Elements of a Financial Plan – Part 1

    There are many different situations and events that can effect our financial lives. The most common events are the small financial decisions that we make everyday. In addition, these small financial decisions that have the greatest impact on our financial future. In order to achieve financial freedom or at least...
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