Ponte Vedra Students Face Harder & More Expensive Road to College – Here is Why

Ponte Vedra Students Face Harder & More Expensive Road to College – Here is Why

With the onset of new data being used by colleges for admission purposes, the ability of students to attend schools of their choice from areas like Ponte Vedra has become not only more difficult but also more expensive. Read how the introduction of adversity scores has changed the landscape, and what to do because of it.

Buying a Home: How to Shop for a Mortgage

Buying a Home: How to Shop for a Mortgage

If you’re thinking about buying a home, you’ll likely need a mortgage unless you’re sitting on a large endowment of cash. From pre-approval to interest rates and mortgage insurance, determining and understanding what mortgage suits your needs can be a difficult and complex task. When shopping for a mortgage, it’s helpful to keep a few strategies and stepping stones in mind to help you make the best and most informed choice.

Dude Where's My Money - Episode 3: Stock Market Downturns

Dude Where's My Money - Episode 3: Stock Market Downturns

Off the cuff personal finance discussions with Ian Aguilar and Scott Snider. Find out what we believe investors should do whenever there is an “expected” sharp decline in the stock market. We explain the correlation between recessions and bear markets, and offer further insights about what investors need to be aware of when markets get choppy.

Rainy Day Savings: The Fundamental Pillar to Any Financial Plan

Rainy Day Savings: The Fundamental Pillar to Any Financial Plan

Aside from paying down any unsecured debts and saving up to your company match for retirement, building an emergency savings fund is easily the next highest priority for our clients. You never know what kind of curveball life is going to throw your way — losing your job, the roof needs to be repaired, you need new tires on your car, your kid broke their leg, etc.

The Yield Curve Inverted! What Should Investors Do?

The Yield Curve Inverted! What Should Investors Do?

You have probably read the headlines last week about the inverted yield curve and the inevitable doom and gloom of the next economic recession. While we don't take the current news lightly, given that the Dow Jones average finished down 800 points the same day the yield curve inverted, our stance on the matter is pretty simple…

7 Steps to Buying a Home You Can Afford

7 Steps to Buying a Home You Can Afford

Buying a house, especially for first time homebuyers, typically begins with a sense of excitement. However, without a good plan and team around that buyer, that initial excitement can quickly turn into an overwhelming process. It’s why having a plan of attack from the beginning is crucial to ensuring a successful outcome. After all, the ultimate goal of homeownership is getting that place you always dreamed of without that awful feeling of being house poor. With that in mind, my top tip for buying a house is this...

Choosing a 529 Plan

Choosing a 529 Plan

529 plans grow in popularity due to the importance of children attending college to increase their professional prospects, all while the total expense of attending college has increased at a rapid rate. Ever since the Economic Growth and Tax Relief Reconciliation Act of 2001 which birthed these plans, the usage of 529 plans has increased due to their ability to grow investments tax free and be used on qualified educational expenses without incurring any taxes for selling those investments. So, the question for most people is how do you chose one?

Time is Money: How the speed of education can affect the cost of college

Time is Money: How the speed of education can affect the cost of college

The average tuition and fees at a public in-state university as of the 2018-2019 school year was $9,716, while the average private institution charged $35,676. Add in another $15K for room & board and other expenses such as books and the total sticker price to attend these types of schools tends to be around $25,000 and $50,000 respectively. As most of us know it normally takes 4 years to graduate from most undergraduate programs. But does it always have to? The phrase that “Time is money” couldn’t be truer when it comes to paying for college. The ability to finish a full program in three years versus four can alter the decision of whether you can afford a college, especially with prices being so high these days. Add to the fact that you not only limit cost, but you also are able to start earning a salary earlier on, and the financial rationale to finish college early is sound.

Midyear 2019 Economic Update

Midyear 2019 Economic Update

There is no doubt that we are now in the late-cycle phase of the expansion. Several months ago there was a real fear that the end was here, but concerns over a global recession have lessened. While we are seeing slowing in some quarters, the underlying economic fundamentals remain strong. We may be near the end of this expansion…

When Do I Make too Much to Qualify for Financial Aid?

When Do I Make too Much to Qualify for Financial Aid?

The most common answer as to why parents and students didn’t fill out the FAFSA is that they felt they wouldn’t qualify for any financial aid. Sadly, there are a lot of people who fall victim to this assumption and leave free money on the table that could otherwise go towards reducing the price of college tuition.  

Life Stages Planning: Grieving

Life Stages Planning: Grieving

When a loved one dies, you may be the one responsible for making funeral arrangements and settling their finances, on top of grieving and adjusting to a new life without them. Settling the finances of a loved one can be a daunting process, and it can be difficult to know exactly what to do. Below you’ll find advice on how to pre-plan for the death of a loved one, as well as how to settle assets upon their death.

Figuring Out How to Pay for College? Why Should Student Loans Be the Last Resort

Figuring Out How to Pay for College? Why Should Student Loans Be the Last Resort

Student loans are an enticing way to cover the cost of education. With over a trillion in student debt distributed among the students of America and wages stagnating, however, the student loan picture for those seeking higher education is relatively bleak. For this reason, most students are better off avoiding student loans altogether if possible.

Life Stages Planning: Starting A Career

Life Stages Planning: Starting A Career

You made it! Whether you’re just finishing up high school, graduating from university, or transitioning out of an apprenticeship—taking the leap into a new career is an exciting step. It’s one of the biggest markers of adulthood. You’ve prepared your whole life for this moment. Congratulations, you’re now a contributing member of society.

Life Stages Planning: Retirement

Life Stages Planning: Retirement

Retirement may sound like something that is way off in the distance for you. It may seem even incomprehensible to think about at your current stage in life. While these are common thoughts and feelings for many people, we hope that this article explains why it is so critical to start planning for retirement today. Below you will find several tips about important aspects of retirement planning.

Life Stages Planning: Divorce

Life Stages Planning: Divorce

Divorce is not something that anyone hopes for or expects to be a part of their story. Because of that, planning for divorce is not a reality, nor should it be. However, when divorce is a certainty in anyone’s situation and it is clear that your states can no longer be united, preparation and preparedness can help keep things civil.

Life Stages Planning: Marriage

Life Stages Planning: Marriage

Getting married is a very significant life event, where two individuals (oftentimes with very different backgrounds and experiences) come together to start a new life. When it comes to financial planning, marriage is a critical life stage, where it is important to take the time to make sure that your new household is fully aligned regarding your finances and long-term goals. While we know that marriage is built on a foundation of love, it is also essential to start your marriage off right when communicating about money, planning for your future, and creating life and financial goals together. Below are some pieces of advice for anyone that is in (or around) the life stage of marriage.

What Should You Do During A Stock Market Decline

What Should You Do During A Stock Market Decline

The markets took a big dip early this week, reacting to fears of potential trade wars and an economic slowdown. After the Dow lost nearly 800 points, investors are understandably nervous. If you are worried about your retirement accounts, you’re not alone. But during stock market volatility, it’s important to keep a level head to avoid financial mistakes.