Health savings accounts are similar but different to medical flexible spending accounts.  Health savings accounts (HSA) are connected to high deductible health insurance policies typically owned by individual whereas medical flexible spending accounts (FSA) are offered through an employer.  While they are offer the same tax benefit (pre-tax deduction), the one significant difference is that HSA funds [...]

Do you know that our CFP certification means we adhere to a strict code of conduct that requires us to put our client’s best interest first and foremost (even above our own)?  Seems simple, right?  However, there are many planners out there who do not adhere to this code of conduct (the fiduciary standard) and some don’t even [...]

From time to time, I work on a volunteer basis to help people who are in financial crisis.  I was recently asked to work with a couple who had found themselves in this situation due to a job loss, and given the current economic environment, I presumed that some of our readers could relate.   The following [...]

While there’s no special secret formula to making money, there are some smart steps you can take to keep your hard earned money. Research your purchases:  The Internet is a great place to make sure you’re getting the best price.  Even if you don’t feel comfortable buying online, there’s so much information out there for consumers [...]