What Role Should Bitcoin and Crypto Play in Your Portfolio?

02/19/2025 01:19 PM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
What Role Should Bitcoin and Crypto Play in Your Portfolio?
Bitcoin offers potential for high growth, diversification, and inflation protection, making it a compelling addition to a well-balanced investment portfolio for those who can manage its volatility.

Strategies for Navigating 2025's Uncertainties

02/13/2025 07:04 PM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
Strategies for Navigating 2025's Uncertainties
Financial planning for 2025 requires a proactive approach to budgeting, investing, tax strategies, and retirement planning to navigate economic uncertainties and potential market fluctuations.

Understanding the Role Annuities Can Play in Your Financial Plan

02/06/2025 10:03 AM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
Understanding the Role Annuities Can Play in Your Financial Plan
Annuities are financial products that provide a guaranteed income stream, often used for retirement, offering tax-deferred growth and asset protection but also carrying potential downsides like high fees, complex terms, and tax implications on withdrawals

Common Mistakes First-Time Homebuyers Make – and How to Avoid Them

01/30/2025 08:57 AM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
Common Mistakes First-Time Homebuyers Make – and How to Avoid Them
First-time homebuyers often make costly mistakes, such as underestimating expenses, mismanaging credit, and skipping key steps like preapproval and inspections, but careful planning and financial awareness can help ensure a successful home purchase.

The Importance of Creating a Will

01/24/2025 12:21 PM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
The Importance of Creating a Will
Creating a will is a crucial step in estate planning to ensure your assets are distributed according to your wishes, protect loved ones, and avoid complications caused by intestacy laws.

Where Should You Buy Bitcoin?

01/17/2025 12:21 PM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
Where Should You Buy Bitcoin?
Different platforms, such as crypto exchanges, broker-dealer accounts, and retirement accounts, offer unique ways to buy Bitcoin, each with its own benefits and drawbacks. Understanding trading fees, custody options, and security features is key to making an informed investment decision.

Protecting Your Home in Wildfire Zones: How the California FAIR Plan Works

01/09/2025 01:18 PM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
Protecting Your Home in Wildfire Zones: How the California FAIR Plan Works
The California FAIR Plan offers last-resort fire and property insurance for homeowners in high-risk areas where standard insurers have reduced or denied coverage, though it comes with higher costs and limited protection.

How to Make and Keep Your New Year's resolutions

12/30/2024 04:00 PM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
How to Make and Keep Your New Year's resolutions
By setting realistic goals, enjoying the process, tracking progress, and seeking support, you can successfully stick to your New Year’s resolutions and turn them into lasting habits.

Equity Compensation Series: Stock Appreciation Rights

12/23/2024 09:00 AM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
Equity Compensation Series: Stock Appreciation Rights
Stock Appreciation Rights (SARs) allow employees to benefit from a company’s stock price appreciation without purchasing shares, offering financial rewards but requiring careful financial and tax planning to manage risks and maximize value.

Income Tax Brackets for 2025

12/16/2024 03:24 PM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
Income Tax Brackets for 2025
The IRS announced higher tax brackets and standard deductions for 2025. Contribution limits have also been increased for HSAs and FSAs.
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