CFP(R) - Let's Make a Plan - Blog
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  • 4 Strategies to Integrate Your Happiness Plan with Your Wealth Plan

    What does money mean to you? For some people, it means freedom and flexibility; for others, peace of mind and independence. For still others, it represents power and control. Once you determine what it means to you, you can evaluate whether your approach to saving, spending, and investing money increases your happiness—or leads to dissatisfaction.
  • Retirement Success Doesn't Require a Windfall

    Too often we focus almost exclusively on managing our assets when we should be spending time building our assets and managing our liabilities. Earning a 10 percent investment return instead of an 8 percent investment return is less effective in providing you financial independence, a great lifestyle and a successful retirement than is controlling your expenses and saving.
  • Annuities: the Good, the Bad, and the Ugly

    Over the past twenty years, I have noticed that the national financial media has had a true love - hate relationship with annuities. At times, the prevailing theme seems to be that all annuities are expensive boondoggles designed only to benefit the insurance companies and agents who represent them. At other times, however, many financial authors seem to feel that they should be an integral part of any well-thought-out retirement plan. What gives? Both opinions can’t be right, can they?
  • Smile Your Way through Retirement

    As millions of Americans prepare for and enter retirement, it’s natural for many of us to feel worried or concerned about how much money is needed to live comfortably. Despite all of the apprehension, there are a few reasons to smile.
  • Financial Empowerment: Strategies for Women

    The demographics of women have evolved and changed rapidly over the last half-century. Currently, women outnumber men in American colleges and universities. This reversal of the gender gap is a recent trend. As of 2009, 57 percent of bachelor's degrees, 60 percent of master's degrees, and 52 percent of doctoral degrees were awarded to women, according to the Department of Education. Fortunately for women, this increase in education translates into increased influence—and affluence.