Plant: Student Debt—The Big Payback

  When you take out a loan to pay for college or graduate school, you must repay that loan at some future date. If you find yourself in the position of having to budget every month for a student loan payment after graduation, you are not alone. Many students now borrow at least some money […]

Enjoy: Women Retirees Face Unique Challenges

By: Ian M Maddox, CRPS® ENJOY (60+): The Planning Phase The current cultural climate seems to suggest risk to anyone willing to compare or contrast behavioral differences between men and women.  Unfortunately, wealth management professionals really can’t avoid these comparisons.  Our job is to help people, whomever they may be, to navigate a plethora of […]

Grow: RISK!

Grow: RISK! By: Ian Maddox, CRPS® 2017 proved to be an outstanding year in the stock market, almost completely void of volatility.  2018, on the other hand, has delivered a series of ups and downs, and as of today, the major indexes have made little progress. Broad market volatility and interest rate movements have kept stocks and […]

Plant: What Exactly IS Financial Planning?

By: Ian M. Maddox CRPS® At its very basic level, Financial Planning has existed for all human history.  Sure, in ancient times we didn’t have fancy currency, exotic investment vehicles and insurance products, or even a concept of saving for college or retirement.  We did, however, have a need to identify, measure, manage, and trade […]

Enjoy: Untangling Your Parent’s Financial Puzzle

By: Ian M Maddox, CRPS® ENJOY (60+): The Planning Phase The mental acuity necessary to do something as simple as balance a checkbook can fade with age.  Often children step in when issues arise with mom and dad’s finances only to discover a maze of documents, files, and accounts dating back to the 1960’s, or […]

Grow: The College Conundrum

Grow: The College Conundrum By: Ian Maddox, CRPS® By the beginning of a student’s junior year of high school parents and kids (typically an emphasis on the parent part of the equation) become hyper focused on the next steps.  College entrance exams, career preparedness, school selection and ultimately how it all gets paid for are top of […]

Plant: Getting Married? Pick a Financial Planner First!

By: Richard Hitchcock CFP® Our earliest memories probably contain some reference to money, how to handle it and some basic ideas on spending.  We get these memories from watching our parents live their lives.  Subconsciously we pick up clues of which we may not be aware.   That’s why it’s important for couples planning to […]

Enjoy: Making Sense of the IRA-RMD-QCD!

By: Ian M Maddox, CRPS® ENJOY (60+): The Planning Phase Not too many people enjoy paying taxes.  Of course, we value the services they provide: schools, fire and police protection, judicial systems and our military.   But, since I am as guilty as the next guy or gal, my pen hesitates on that IRS check […]

Grow: Tackle the Debt

By: Richard Hitchcock, CFP® (This article is mainly addressed to those in the middle years of their life. What we call the GROW phase.) It’s not uncommon for people in their middle age years to still have debt carried over from college and from their early years of beginning a family. Priorities of life left […]


By: Ian Maddox, CRPS® This may not come as a surprise, but many 20-somethings in the U.S. have not saved a single dime towards future needs. There are many reasons for this, but the simple fact of the matter is that if this trend does not reverse, it could be devastating for an entire generation […]