In these posts we will endeavor to provide some answers to general questions we receive that we think will be useful to you. We have a list of questions that we hope to answer in coming weeks, but we also want you to have an opportunity to ask questions that we may not have already encountered. So please submit general questions that you would like to be answered, and we will do our best!

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If there is something you would like to know about financial planning or our services please send us your questions.

Latest posts

Because You Asked: Do I Need to Be Concerned About the 2019 Tax Law?

2019 Tax Law Changes for IRA’s and other Non-Qualified Accounts: The SECURE Act With the passage of yet another new tax law near the very end of 2019  that has a far-reaching impact, I think you can safely say it has left Certified Financial Planners ™, attorneys, CPA’s and EA’s scrambling to both learn the new rules, and then trying to figure out strategies to

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Because You Asked: What Are the Risks Associated with Investing?

We are back in a brand new year (2020) and ready to address more questions.  This year’s first post was prompted by a recent communication from the Texas State Securities Board. For both existing and potential new clients, this idea of “Risk” is an important part of our conversations about investing.  I recall a conversation with an individual who wanted an 8% annual return, but

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Because You Asked: How Do You Plan for the Unexpected?

I am by profession a planner, specifically a CERTIFIED FINANCIAL PLANNER™.  The planning mindset comes naturally to me, as I try to incorporate planning in all areas of my life. I love day planners, calendars, notebooks, reminders, etc.  I have spent most of the last year planning an upcoming trip to Paris in December, which is another type of planning that I do for fun. 

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Because You Asked: Are There Any Changes to Medicare for 2020?

Actually, there are a number of changes that could affect Medicare participants that are worth a mention here. Higher Part B & D premiums for higher incomes: Medicare participants with an annual income of $500,000 or $750,000 for married couples will pay higher premiums for Part B and Part D. The standard monthly premium for Part B is $144.30 Premium surcharges or increases begin at

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Because You Asked: What Does “Open Enrollment” Mean for Medicare?

Open Enrollment for Medicare begins on October 15th of each year, and runs through December 7th.  If you have already signed up for Medicare and are happy with your Plan(s), you do not have to do or change anything.  However, this can be a good time to review your plan and make sure you are happy with the coverage and costs you are paying.  Drawing

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Because You Asked: When Should I File for Social Security: (Part 2)

This particular question is one that we encounter frequently.  There are many who subscribe to the idea of “I am going to take it while I can, because I don’t know if it will still be there if I wait.” We attempted to address that issue in our blog last week, which you can review here:Because You Asked: Will Social Security Be Available For Me?

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Because You Asked: Will Social Security Be Available For Me?

This particular question is one that we encounter rather frequently, usually in the context of making decisions around when to apply for Social Security benefits.  We will address the When to Apply question in our next blog, but thought we should begin with the foundational question of Will Social Security Still Be Available? There is a lot of rhetoric that says our government has “spent”

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