Before you begin to manage your money, you need to determine your financial goals.  Create a list of short-term, medium-term and long-term goals and be realistic about your goals.  The reason many Americans have money problems is that they have not established what they want to do with their money and they spend it randomly. […]

Year-End Tax Planning As the year ends, you may be wondering what you can do to lower your taxes on your 2019 return. If you have cash on hand, there are several things that you can do to help your tax position in the new year and beyond.  Charitable giving. If you itemize, you can […]

Many Americans consider annuities for retirement income because they are designed to provide regular infusions of cash to you automatically, but are annuities a good investment? The answer is yes and no. A good annuity is a great way to boost your retirement investment, but making mistakes when buying an annuity can diminish your financial […]

Many small business owners handle multiple positions within their own business and find it difficult to justify hiring financial help for their company.  Often they attempt to handle their financial records on their own with user-friendly software such as QuickBooks.  Most small business owners struggle to find the time and worry that they are preparing […]

Many parents are may find that the financial aid package their college-bound child has applied for will not cover the total cost of their child’s education and they do not have the funds to pay for it out of pocket.  However, Parent PLUS loans, offered by the federal government, are specifically designed for parents to […]