SEEDS OF KNOWLEDGE

How to Manage Inherited Wealth Effectively: Your First Moves. The moment you receive an inheritance, it’s tempting to jump right in—maybe pay off debts, buy something special, or invest immediately. But before you do anything, take a breath and pause. Here’s what I recommend: Take Inventory: List out everything you’ve inherited. This might include cash, investments, property, or even personal items of value. Knowing exactly what you have is the foundation of smart management.

What is a flat fee Fiduciary Financial Planner? If you're encountering the term "flat fee Fiduciary Financial Planner" and are curious about its meaning, let me explain. A Fiduciary Financial Planner is distinct from a typical Financial "Advisor." This type of planner is a professional who embodies expertise and adheres to ethical standards in financial planning. A flat fee Fiduciary Planner charges a set fee for their services instead of a percentage of your assets.

If you keep money in a bank, you're probably familiar with FDIC insurance. It's that guarantee that keeps your deposits safe up to $250,000 even if your bank fails. But what about the money and investments in your brokerage account? That's where SIPC insurance comes in. The Securities Investor Protection Corporation (SIPC) serves a similar protective role for investors. Yet most people have never heard of it, and even fewer understand how it actually works.

What to Ask Before You Hire: 1) Are you fee-only and a fiduciary at all times? Please confirm in writing. 2) How are you compensated? Flat fee, subscription, or AUM, and what’s included? 3) What conflicts exist, and how are they managed and disclosed? 4) Will I receive a written financial plan and IPS? 5) How do you coordinate with my CPA and estate attorney? 6) What is the review cadence, and how do we measure progress?

When it comes to managing your wealth, especially if you’re stepping into the world of inheritance or rising financial success, clarity and trust are everything. You want a financial advisor who doesn’t just talk numbers but speaks your language. Someone who offers transparent financial planning methods that make sense without the jargon or hidden fees. That’s where working with a flat fee financial advisor can change the game. Imagine having a clear, upfront cost for your f

If you’re reading this, chances are you’re navigating one of the hardest seasons of life: losing your husband and suddenly being responsible for financial decisions you never expected to make alone. As a Fee-Only Financial Planner based in Ohio, I’ve worked with many Homemakers and retired widows who find themselves overwhelmed not just by grief, but also by the weight of managing inherited wealth, taxes, investments, and long-term retirement decisions. My goal in writing

Starting your career is exciting. You’re building skills, making connections, and earning your first real paycheck. But have you thought about what comes next? I’m talking about retirement. It might seem far away, but early retirement planning steps can make a huge difference in your financial future. The earlier you start, the more freedom and security you’ll have later on. Let’s dive into how you can take control of your retirement planning today, even if you’re just starti

Navigating the tax code can feel like walking through a maze, especially when you’re managing a high income, equity compensation, and evolving tax legislation. For highly compensated employees and executives with stock options, the margin for error is smaller, and the consequences of poor planning are often significant. As a Fiduciary Fee-Only Financial Planner, I see this firsthand. The good news? With thoughtful, proactive tax planning, 2026 presents meaningful opportuni

The Great Wealth Transfer: Ensuring Your Heirs Are Prepared for Financial Success