I am a Certified Financial Planner™ who has helped our investment clients in their pursuit of financial peace. My 25+ years of financial planning EXPERIENCE has allowed me to help our clients as they pursue financial peace. My definition of financial peace is "having the resources (time, health & money) to do the things you enjoy with the people that you love." What's you plan for financial peace?
by Dave Conley on August 25, 2023.
What is in a simple Estate Plan? If you’re like most people, with a few kids and a house, you only need a will. You can use an online service like www.freewill.com or www.mamabearlegalforms.com. The most common option is to meet with a local lawyer to help you discuss and setup the three documents needed...
by Dave Conley on August 11, 2023.
Estate planning is just a fancy legal-ish word for what you want to happen to your money and stuff when you die or become disabled.
by Dave Conley on July 3, 2023.
What is American Exceptionalism? There is no other country in the world that represents the blend of classical philosophy, Christianity, and even Enlightenment ideas in the way America did in the founding of the republic from 1776 to 1789. It was an exceptional (meaning uncommon) mixture of liberty, limited government, natural rights, and religious liberty...
by Dave Conley on June 16, 2023.
Below is a recent (June 1, 2023) Economic Outlook diagnosis from the folks at Capital Group. A few highlights and a link to the entire article (10 minute read). Link to short report, Economic outlook: Mild recession, strong recovery.
by Dave Conley on June 16, 2023.
If you have wondered: When should I start my Social Security ? Age 62... 67 or wait until 70 . What is the difference in benefits at the different ages ? I have heard that it is best to start as early as possible in case you don't live very long. If I start early how much can I earn before being penalized by Social Security ? Can I collect based on my spouse (or ex-spouse) earnings history?
by Dave Conley on June 6, 2023.
What determines the amount of your Social Security benefit? How to determine what your benefits? The mistake over 40% of all retirees make when starting their Social Security.
by Dave Conley on May 26, 2023.
Every few years we have this discussion about whether or not we are going to raise the debt ceiling. Let’s just be honest, the debt ceiling will be raised. Since 1960, it’s been raised 78 times (more than once a year). The chart below shows the times the debt ceiling has been raised since 1970....
by Dave Conley on May 12, 2023.
As a financial planner, I know that Social Security benefits are (or will be) a critical source of retirement income for many of our clients (and most Americans), particularly those who are 55 or older. According to the Social Security Administration (SSA), in 2021, the average monthly Social Security retirement benefit for a retired worker is $1,557. Over the next 3 weeks I will cover strategies you can take to maximize your potential Social Security benefit.
by Dave Conley on May 6, 2023.
As a financial planner with 25 years of experience, I understand that investing can be daunting, especially in uncertain times. With recent news of bank financial distress, it's natural for many clients to feel anxious about the safety of their investments. However, I'm here to assure you that the US economy, markets, and financial system are resilient, and there's no need to panic.
by Dave Conley on April 28, 2023.
“Awareness is like the sun. When it shines on things, they are transformed.” Thich Nhan Hanh Becoming aware of our spending is one of the most powerful tools we have. Why? In examining our spending we become aware of ourselves. Budgeting is simply being aware of our spending. Why is this keeping track of how...