Form CRS/ADV & Disclosures. 
By: Kristina Bolhouse CFP® The term “identity theft” is now part of our lexicon. But what does it mean exactly? Since it covers a wide spectrum of activities, the term has become rather confusing. Identity Theft is simply defined as the…
By: Mary McCraw, CFP® With mortgage rates at historic lows, we have received many questions from clients about refinancing. To evaluate if refinancing makes sense, you need to know both the upfront costs involved in the loan and the rate…
By: Mary E. McCraw, CFP® Recently, I wrote about financially preparing for a new baby. While those early days of baby gear and diapers are certainly expensive, they pale in comparison to the looming cost of college. Here are some things to consider:…
By: Mary E. McCraw, CFP® Teaching basic financial concepts early can minimize common but costly financial mistakes kids often make when they leave home. Mistakes happen, but a mistake with a $200 clothing allowance is not nearly as devastating as…
By: Mary E. McCraw, CFP® I am in the phase of life where it seems like everyone I know is having babies. Organizing your financial life in the midst of showers and preparing for maternity leave can feel daunting. Yet,…
By: Kristina K. Bolhouse, CPA/PFS, CFP® This book piqued my curiosity from two avenues: First, as a financial advisor, I’ve been fascinated at the differences between spenders and savers and even more curious when I see a person actually able…
By: Ralph Broadwater, MD, CFP®, AIF® We all want to know that we have organized our financial life as well as possible so we can accomplish our goals. One of the best ways to make sure that you are “on…
By: Ralph Broadwater, MD, CFP®, AIF® In addition to investing to reach your goals, it is important to plan for emergencies and protect your family. Adequate insurance coverage is an important part of this protection, but proper planning is equally…
By: Kristina K. Bolhouse, CPA/PFS, CFP® I often hear financial authors and radio personalities talk about all of the virtues of putting money into tax deferred accounts. The impact sounds so promising, and even CPAs sometimes get confused by the…
By: Ralph Broadwater, MD, CFP®, AIF® Financial aggregators can be an excellent tool to help you follow your finances, investments, and track spending patterns. These web-based programs allow you to automatically capture all of your financial accounts and transactions in…