​2021 is finally here!  We all tend to feel like we are starting with a clean slate as we kick off the new year.   It feels like a new beginning...

From a financial perspective, it is a great time to take stock of your family’s current savings plan and ask yourself if there is room to save more or if you are missing opportunities to save in a  more tax-efficient way.  Here are a few of our favorite tips that are often overlooked.

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​During stressful situations, our brain alerts us to "proceed with caution".  That makes sense...if we were cave men or women, it might have saved our lives.  Now we are living in a stressful world with the Coronavirus and it is here to stay for the foreseeable future.  Having a financial plan in this new reality is more important than ever.  

​Would you build a house without architectural plans?  Would you take an extended road trip without GPS?  Yet we often invest our money without a strategy (roadmap) in mind. When we generalize goals over longer time horizons, we have no idea if they are realistic or if we are on track to accomplish them in a time frame that we have in mind.  Instead we live in fear that things won’t work out the way we hope they will.  What’s wrong with that?