Have our memories of the Great Recession altered our habits? Provided by Christian DePaul, CFP Consumer spending accounts for more than two-thirds of economic activity in the United States. Lately, that spending has moderated. Across the 12 months ending in … Read More
Author Archives: Christian DePaul
You Retire, But Your Spouse Still Works
That development may mean lifestyle as well as financial adjustments. Provided by Christian H. DePaul, CFP Your significant other may retire later than you do. Sometimes that reality reflects an age difference, other times one person wants to keep working … Read More
How Millennials Can Get a Good Start on Retirement Planning
Some simple steps may make a major financial difference over time. Provided by Christian H. DePaul, CFP If you are younger than 35, saving for retirement may not feel like a priority. After all, retirement may be 30 years away; … Read More
Explaining the Basis of Inherited Real Estate
What is cost basis? Stepped-up basis? How does the home sale tax exclusion work? Provided by Christian H. DePaul, CFP At some point in our lives, we may inherit a home or another form of real property. In such instances, … Read More
Volatility Is Not Risk
The two should not be confused. Provided by Christian DePaul, CFP What is risk? To the conservative investor, risk is a negative. To the opportunistic investor, risk is a factor to tolerate and accept. Whatever the perception of risk, it … Read More
Money Concerns for Those Remarrying
What financial factors deserve attention? Provided by Christian DePaul, CFP Some of us will marry again in retirement. How many of us will thoroughly understand the financial implications that may come with tying the knot later in life? Many baby … Read More
Financial Planning with Health Insurance in Mind
How much might health care cost you someday? Provided by Christian DePaul, CFP “Financially speaking, what would be the worst thing that could happen to you?” If you ask a hundred people in their forties that question, you may get … Read More
The Investment Needs of Non-Profits
Just like households, charities and other groups need wealth-building strategies. Provided by Christian DePaul, CFP As non-profit organizations grow, they also need to grow and preserve wealth. In accepting donations to fund their operations and programs, they realize they cannot … Read More
Should You Plan to Retire on 80% of Your Income?
Examining a long-held retirement planning assumption. Provided by Christian DePaul, CFP A classic retirement planning rule states that you should retire on 80% of the income you earned in your last year of work. Is this old axiom still true, … Read More
Dollar Cost Averaging in a Down Market
This investment technique may help you take advantage of the downturn. Provided by Christian H. DePaul, CFP Buying low and selling high is the oldest stock market adage. How does one put it into practice? Dollar cost averaging may give … Read More