Blog

Mortgage Rates May Stay Low for a Long Time

Why aren’t they rising? Are they the new normal? Provided by Christian H. DePaul, CFP   In November 2012, the interest rate on a 30-year home loan averaged just 3.31%. That was an all-time low. Simultaneously, the 15-year fixed-rate mortgage … Read More

Financial Steps to Take Before a Divorce

Wise moves to make before things are finalized. Provided by Christian H. DePaul, CFP   Before your divorce goes through, it will be wise to check up on financial matters. It will be better to assess the state of your … Read More

Social Security: Myths vs. Facts

Dispelling some misperceptions about the program. Provided by Christian H. DePaul, CFP   Some myths & misperceptions keep circulating about Social Security. These are worth dispelling, as more and more baby boomers are becoming eligible for their retirement benefits. Myth … Read More

Are Americans Growing More Optimistic About Retiring?

Pragmatism seems to be replacing pessimism, at least.  Provided by Christian H. DePaul, CFP    Is it okay to retire today? Many baby boomers shelved notions of retiring during the past few years. Layoffs, the decline in home values, the … Read More

October Is National Financial Planning Month

Saving is a great start, but planning to reach your financial goals is even better. Provided by Christian H. DePaul, CFP, MS, CDFA   Are you saving for retirement? Great. Are you planning for retirement? That is even better. Planning … Read More

Retirees Are Racking Up Credit Card Debt

New statistics point out an alarming financial problem. Provided by Christian H. DePaul, CFP   $6,876. That is the average amount of credit card debt owed by an American household headed up by an individual aged 65-69.1 If you are … Read More

What Expenses Could Change When You Retire?

Some costs could rise, fall or even disappear. Provided by Christian H. DePaul, CFP Your retirement may seem near at hand or far away, but one thing is certain: your future will differ from your present.   Financially, that fact … Read More

Are Americans Growing More Optimistic About Retiring?

Pragmatism seems to be replacing pessimism, at least. Provided by Christian H. DePaul, CFP    Is it okay to retire today? Many baby boomers shelved notions of retiring during the past few years. Layoffs, the decline in home values, the … Read More

Key Person Insurance

A way for businesses – especially niche businesses – to address a major risk. Provided by Christian H. DePaul, CFP   Who are the people most crucial to your business? Have you taken steps to insure them? At every company, … Read More

How Women Are Planning Their Financial Futures

From assorted survey data, an interesting snapshot emerges. Provided by Christian H. DePaul, CFP   Women are taking action to approach retirement with greater confidence. Some recent, intriguing survey data indicates that women are planning their financial futures with some … Read More