Understanding Home Equity Loans, HELOCs, and Other Mortgage-Based Financing Options

03/17/2025 10:26 AM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
Understanding Home Equity Loans, HELOCs, and Other Mortgage-Based Financing Options
Homeowners can tap into their home equity through loans like home equity loans, HELOCs, cash-out refinances, and reverse mortgages—each with distinct features, benefits, and tax considerations depending on how the funds are used.

Strategies for Retirees & Investors During a Market Downturn

03/13/2025 09:49 PM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
Strategies for Retirees & Investors During a Market Downturn
Market downturns can be unsettling, especially for retirees and those nearing retirement, but having a well-structured financial plan can help weather volatility.

Understanding and Responding to Market Volatility

03/06/2025 09:52 AM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
Understanding and Responding to Market Volatility
Market volatility, driven by economic uncertainty, inflation concerns, trade tensions, and regulatory issues in crypto, highlights the importance of long-term investing, diversification, and disciplined decision-making during uncertain times.

Weathering the Crypto Market Downturn

02/27/2025 05:13 PM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
Weathering the Crypto Market Downturn
The recent crypto market downturn is a natural part of Bitcoin’s historical cycles, and while fear and uncertainty are common, investors who stay level-headed, avoid panic selling, and focus on long-term strategies are better positioned to navigate the volatility.

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.
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