Form CRS/ADV & Disclosures. 
As financial planners, we help clients with important decisions regarding wealth transfer – how to ensure that money is passed on to the next generation most efficiently. However, the financial values or financial legacy that is passed down to children…
Ralph Broadwater, MD, CFP®, AIF® If you are interested in charitable giving, check out Kiva Zip at http://zip.kiva.org. In March, 2013 President Bill Clinton was in Arkansas to announce the start of Kiva Zip, a project of Kiva.org to make direct…
By: Kristina Bolhouse, CPA/PFS, CFP® Like the impact of a new drug or medical treatment, we are now seeing firsthand the benefits of good estate planning as well as the implications of the new estate tax law changes that went…
By: Ralph Broadwater, MD, CFP®, AIF® I recently stumbled upon a very helpful service that has solved one of my most frustrating tasks living in the paperless, digital world. If you are like me, you have turned off most paper…
By: Mary McCraw, CFP® A well-crafted estate plan can ensure that your wishes are carried out with minimal hassles for your heirs. People spend a lot of time and money putting an estate plan in place and often overlook an…
Kristina Bolhouse, CPA/PFS, CFP® After many years as an auditor, financial planner and tax preparer, I’ve witnessed firsthand the creative ways that fraud and identity theft occur. I have developed a healthy respect for “what can go wrong” with financial…
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…