Posts tagged Goals
Hoping “New Year, New You” Makes Financial Goals Come True?
Hoping “New Year, New You” Makes Financial Goals Come True?

Per Apple’s new ad campaign: Most people quit their New Year's resolutions by the second Friday in January. Well, how are you doing?

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Budgeting, Debt Management, Estate Planning, Investing, Retirement, Retirement Planning, Tax Planning, Your $ Your IndependenceGlenn BrownBudget, Best Practice, CFP, family, Goals, Health, Investing, Kids, Local Town Pages, New Year, New Legislation, Net Worth, Joy, Purge, Portfolios, Savings, Tax Planning, Total Return, tax efficiency, Giving, Investment Management, Experience Spending, Tax Deadlines, taxes, Savings Prioritization, Your Money Your Independence
Use November to Finalize Year-End Success and Plan for 2025
Use November to Finalize Year-End Success and Plan for 2025

Wait until December, you risk falling into the apathy and distractions common from Thanksgiving to the New Year. Do you want that for your finances?

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Budgeting, Debt Management, Investing, Retirement, Retirement Planning, Tax Planning, Work Benefits, Your $ Your IndependenceGlenn BrownRMD, Goals, taxes, tax efficiency, Tax Cuts and Jobs Act of 2017, Tax Planning, Secure Act 2.0, Retirement, Semi-Retirement, HSA, Year-End, New Year, FSA, Planning for Unexpected, Financial Planning, Roth 401(k), Roth Conversion, Roth IRA, 529 Plan, Gifting, Budget, Best Practice, Focus on your why, family, Giving, Health Plans, HDHP, IRAs, Work Benefits, Local Town Pages, Open Enrollment, Portfolios, Required Minimum Distributions, Raising Kids, Solo K, tax planning, Investment Management, Investing, Tax-Loss Harvesting, Your Money Your Independence
Mastering the College Admissions Process
Mastering the College Admissions Process

Understanding nuances of early action and early decision, exploring merit-based aid, and utilizing 529 plans and loans effectively can impact you and your stressed college-bound teen's journey.

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Budgeting, College Planning, Debt Management, Your $ Your IndependenceGlenn BrownAdmissions, Best Practice, Budget, CSS Profile, College, Children, College Students, FAFSA, Focus on your why, Financial Planning, Financial Aid, Grants, Goals, Giving, Merit Scholarships, Minors, Kids, Student Debt, Savings, Early Action, Early Decision, 529 Plan, Parent PLUS loans, Tuition, Teenager, Raising Kids, Expected Family Contribution, Stretch IRA, Your Money Your Independence
Teaching Kids Financial Responsibility: Summer Jobs and Roth IRAs
Teaching Kids Financial Responsibility: Summer Jobs and Roth IRAs

You can open a Roth IRA for your child to evolve their financial knowledge while helping invest for retirement, a first house and/or qualified educational expenses.

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College Planning, Retirement Planning, Your $ Your Independence, Retirement, InvestingGlenn BrownBest Practice, Budget, College, Children, College Planning, College Students, Earnings, Focus on your why, Financial Planning, family, Grads, Goals, Giving, Gifting, IRA Contributions, IRAs, Index, Markets, Kids, Raising Kids, Minors, Roth IRA, Savings, Tax Planning, Traditional IRA, Teenager, Total Return, Investing, diversification, W2, taxes, Tax Deadlines, Your Money Your Independence, Contribution Limits
Summer, Summer, Summertime - Time To Sit Back and… Experience Spend
Summer, Summer, Summertime - Time To Sit Back and… Experience Spend

Life is constantly evolving, and moments once passed cannot be relived. Embracing experience spending encourages individuals to seize opportunities to enjoy life while they can.

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Budgeting, Your $ Your Independence, Retirement PlanningGlenn BrownBest Practice, Experience Spending, Spending, Children, family, Focus on your why, Financial Planning, Goals, Health, Joy, Kids, Savings, Budget, Savings Prioritization, Your Money Your Independence
Thanks, Dad - For Showing How to Lead, Then Trusting to Follow.
Thanks, Dad - For Showing How to Lead, Then Trusting to Follow.

As Father's Day approaches, it's time to pause and express gratitude for these silent architects of our lives.

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PlanDynamic, Your $ Your Independence, Estate Planning, Retirement Planning, Tax Planning, Retirement, Investing, InsuranceGlenn BrownAging Parents, Best Practice, CFP, Children, death, Estate Planning, Focus on your why, family, Financial Planning, Goals, Health, Health Care, Health Insurance, Kids, Home Ownership, Long-Term Care, Local Town Pages, Dad, Portfolios, Multi-Generational Planning, Investment Management, Investing, Savings Prioritization, Savings, Experience Spending, Tax Planning, taxes, Your Money Your Independence
Empower New Graduates with Gifts of Independence
Empower New Graduates with Gifts of Independence

While cash or gift cards are always appreciated, consider something with lasting value that can help launch college and high school graduates towards financial independence.

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Budgeting, Debt Management, Investing, Retirement Planning, Your $ Your IndependenceGlenn BrownAutomatic Payments, Best Practice, Budget, Subscriptions, Debt Management, Bond Portfolios, Bonds, CDs, Children, College, Cash, career, Cash Flows, Dividend Growth, Dividends, Earnings, ETF, Focus on your why, Financial Planning, family, Fee-Only Fiduciary, Financial Independence, Goals, Giving, grandchildren, Graduates, Grads, IRAs, IRA Contributions, Income Streams, Investing, Index, Joy, Kids, Local Town Pages, Student Loans, Gifting, Markets, Roth IRA, Portfolios, Rent, Raising Kids, Student Debt, Savings, Spending, High School Students, College Students, Tuition, Teenager, Technology, Traditional IRA, Multi-Generational Planning, diversification, Experience Spending, Your Money Your Independence, Your Money
Ready Homebuyers? The Fed’s New “No Urgency” Mantra Is A Gift.
Ready Homebuyers? The Fed’s New “No Urgency” Mantra Is A Gift.

If one waits for 5% mortgages, there are considerable opportunity costs. Potential homebuyers should prepare to act by utilizing these tools and best practices.   

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Budgeting, Debt Management, Economics 101, Your $ Your IndependenceGlenn BrownHouse, Mortgage, Financial Planning, Refinancing, Real Estate, Home Ownership, Best Practice, Debt Management, Focus on your why, Goals, HELOC, Interest Rates, Markets, Loan-To-Value, Prime Rate, Home Equity Line of Credit, adjustable rate mortgage, Rent, Savings, Tax Planning, taxes, Your Money Your Independence, Yields
At or Near Retirement? Time to Say Bucket!
At or Near Retirement? Time to Say Bucket!

Retirees view risks differently, but the greatest risk is behavioral. Let’s discuss a sustainable and tax-efficient approach to retirement distribution strategies.

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Your $ Your Independence, Work Benefits, Retirement Planning, Tax Planning, Retirement, Investing, Debt Management, BudgetingGlenn BrownBudget, Work Benefits, Best Practice, CDs, CFP, Dividends, Dividend Growth, Debt Management, Entitlements, family, Focus on your why, Financial Planning, Goals, Healthcare, Health, HELOC, IRAs, IRS, Income Streams, Investing, Inflation, Investment Management, IRA Withdrawals, Joy, 401(k), Solo K, Local Town Pages, Life Insurance, Medicare, Markets, Net Worth, Roth IRA, Portfolios, Pro-rata rule, Access to Equity, Required Minimum Distributions, Home Equity Line of Credit, Refinancing, Real Estate, Rebalancing, Savings, Traditional IRA, Total Return, Tax Planning, diversification, Savings Prioritization, distribution phase, distribution strategies, tax efficiency, taxes, Experience Spending, Tax-Loss Harvesting, Taxes, Index, Your Money Your Independence, Yields, Asset Allocation
Enjoy Every Sandwicher Moment.
Enjoy Every Sandwicher Moment.

July is National Sandwich Generation Month, celebrating approximately 15% of Americans between ages 40-60 sandwiched between caring for their young children and aging parents at the same time.

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Estate Planning, Debt Management, Retirement Planning, Tax Planning, Your $ Your Independence, BudgetingGlenn BrownSandwichers, Caring for aging parents, Aging Parents, Local Town Pages, Raising Kids, Kids, Elder Care Law, Health Care, Estate Planning, Estate Tax, MA Laws, Health Insurance, Best Practice, Children, family, Focus on your why, Financial Planning, grandchildren, Goals, Long-Term Care, Planning for Unexpected, Multi-Generational Planning, Minors, n, Your Money Your Independence, Tax Planning
Peak Earnings Years Are Your 50’s - Your Parents Maybe, You… Not So Much.
Peak Earnings Years Are Your 50’s - Your Parents Maybe, You… Not So Much.

Top 10% earners in their 30’s and 40’s believe they’ll earn considerably more in their 50’s. Don’t plan on it.

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Budgeting, Investing, Retirement, Retirement Planning, Your $ Your IndependenceGlenn BrownAgeism, Earnings, Income Streams, Employee Benefits, Priorities, Savings, Budget, Savings Prioritization, 401(k), HSA, 529 Plan, IRAs, Roth IRA, Experience Spending, Best Practice, Debt Management, Cash Flows, Focus on your why, Financial Planning, Goals, Investing, Work Benefits, Tax Planning, Your Money Your Independence
Dividend Investing - Navigating Hype and Pitfalls To Get Results.
Dividend Investing - Navigating Hype and Pitfalls To Get Results.

Last month, Intel added another chapter to the fallacy of “I don’t care about the stock price, as long as I get my dividend”. Here, I discuss key factors and best practices for dividend investing.


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Economics 101, Investing, Retirement, Retirement Planning, Tax Planning, Your $ Your IndependenceGlenn BrownRebalancing, RMD, Dividends, Dividend Growth, Yield On Cost, Yield Curve, Bonds, dividend aristocrats, Total Return, diversification, high yield stocks, Best Practice, Cash Flows, Local Town Pages, Goals, Capital Gains, Income Streams
New Year, New You… Not True?
New Year, New You… Not True?

Resolutions to improve your financial situation similar to one’s made last year? Here’s how and why to consider actions and timeframes, instead of focusing on desired outcomes.


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Budgeting, Debt Management, Investing, Retirement, Retirement Planning, Tax Planning, Work BenefitsGlenn BrownBudget, Best Practice, Debt Management, Rebalancing, Employee Benefits, Economy, Financial Planning, Focus on your why, family, Semi-Retirement, Retirement, Roth IRA, Student Debt, Goals, Joy, Resolutions, 401(k), Work Benefits, Markets, Local Town Pages, Investing, Portfolios, Priorities, Spending, Savings, Tax Planning, Traditional IRA, Total Return, Your Money Your Independence, Your Money, Year-End, New Year
Eye Opening Costs At Open Enrollment?
Eye Opening Costs At Open Enrollment?

Over past year, health insurance prices have increased 3X to US inflation. It’s time to fully understand HDHP, HSA and how to do your cost/benefit analysis.


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Insurance, Budgeting, Investing, Retirement Planning, Tax Planning, Your $ Your IndependenceGlenn BrownBest Practice, Work Benefits, Health Insurance, Health Plans, Health Savings Accounts, HSA, Inflation, Investing, HDHP, PPO, taxes, Tax Planning, Taxes, tax planning, Employee Benefits, FSA Dependent Care, Financial Independence, FSA, Financial Planning, Goals, Healthcare, 401(k), Life Insurance, Local Town Pages, Open Enrollment, Priorities, Your Money, Your Money Your Independence, Savings, Year-End
Never ask, “Where do you want to go to college?”
Never ask, “Where do you want to go to college?”

Take control, don’t be another victim to make your teen happy… spending won’t make them happy.

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College Planning, Budgeting, Debt Management, Investing, Your $ Your IndependenceGlenn BrownBudget, Best Practice, Debt Management, College, children, Cash, Children, Tuition, ROI, Refinancing, College Planning, Financial Planning, Financial Aid, FAFSA, EFC, Focus on your why, Financial Independence, Grants, Giving, Goals, Gifting, High School Students, Inflation, Raising Kids, Kids, Local Town Pages, Net Price Calculators, NPC, Investment Management, Investing, Priorities, Student Debt, Savings, Student Loans, Spending, Sandwichers, Social Media, Tax Planning, Teenager, Total Return, Your Money Your Independence, taxes, Expected Family Contribution
Enjoy Every Sandwicher Moment.
Enjoy Every Sandwicher Moment.

This month celebrates those caring for their young children and aging parents simultaneously - Sandwichers.

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Estate Planning, Investing, Retirement Planning, Tax Planning, Your $ Your Independence, Budgeting, College PlanningGlenn BrownAging Parents, attorney, Elder Care Law, Tax Planning, Capital Gains, Best Practice, Beneficiaries, Budget, Debt Management, Probate, College, children, Cash Flows, Caring for aging parents, Local Town Pages, Daycare, Medicare, Dependent Care, Long-Term Care, Health Care, Medical Expenses, Death Tax, Guardianship, guardians, Estate Planning, Estate Tax, Entitlements, family, Focus on your why, Financial Planning, grandchildren, Goals, Giving, Gifting, Savings, Teenager, Health, Health Insurance, Home Ownership, Inflation, Investing, inheritance, Raising Kids, Kids, Markets, Will, Life Insurance, College Planning, Multi-Generational Planning, Mortgage, Minors, Income Streams, Investment Management, Joy, House, Portfolios, Social Security, Priorities, Spending, tax planning, Trusts, Total Return, Trustee, taxes, Your Money Your Independence, Education
You Can’t Always Get What You Want… But If You Try Sometimes
You Can’t Always Get What You Want… But If You Try Sometimes

With markets All Down The Line, thinking it will make you Happy to become Exile on Wall St?

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Investing, Retirement Planning, Tax Planning, Your $ Your Independence, Economics 101Glenn BrownAsset Allocation, Bond Portfolios, Bonds, Best Practice, Rebalancing, Capital Gains, Cash, CDs, Dividend Growth, Dividends, Debt Management, ETF, Economy, Economics, Focus on your why, Financial Planning, Goals, IRAs, IRA Contributions, Inflation, Interest Rates, Investing, Investment Management, TIPs, Markets, Portfolios, Savings, Tax Planning, Budget, Your Money Your Independence, Wash Sale, taxes, tax planning, Tax-Loss Harvesting, Yields, Joy
April Brings Spring, Baseball and Taxe… Squirrel!
April Brings Spring, Baseball and Taxe… Squirrel!

If your wealth is tax-deferred retirement accounts, your taxes in retirement will be more than you realize.

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Budgeting, Investing, Retirement, Retirement Planning, Tax Planning, Work Benefits, Your $ Your IndependenceGlenn BrownBest Practice, Employee Benefits, Financial Planning, Goals, 401(k), Roth IRA, Roth Conversion, IRA Contributions, Traditional IRA, IRAs, RMD, 403(b), taxes, Tax Planning, Tax-Loss Harvesting, Retirement, Required Minimum Distributions, Investing, Taxes, Tax Deadlines, Social Security, Income Streams, Markets, Work Benefits, Local Town Pages, Savings, Your Money Your Independence
Book Travel Now - Time for Experience Spending
Book Travel Now - Time for Experience Spending

My PSA for those adhering to a financial plan: Book your travel now.

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Budgeting, Your $ Your IndependenceGlenn BrownSandwichers, Budget, Best Practice, Debt Management, Financial Independence, family, Focus on your why, Financial Planning, children, grandchildren, Kids, Raising Kids, Cash Flows, College Planning, Goals, Joy, Local Town Pages, Priorities, Savings, Spending, Experience Spending, Economy, Teenager, Your Money Your Independence