By Glenn J. Downing, MBA, CFP®
As many of my readers know, I have been teaching the CFP® curriculum to those preparing for the exam for many years now. Most are experienced professionals; all must have at least a bachelor’s degree; many have advanced degrees or are practicing attorneys or CPAs. I...
By Glenn J. Downing, MBA, CFP®
This blog post builds upon a previous one: No, Darling, because we can’t afford that.  I’m sharing some thoughts about teaching children to be financially responsible.Â
What Was the First Trip?
My second trip? What was the first? My first trip to Europe I was 13,...
By Glenn J. Downing, MBA, CFP®
A friend recently suggested that I write a piece about children and money. At first I thought myself unqualified, as I have no formal education in this area. But then I got to thinking that, as a father and now grandfather, that I might have something useful to cont...
By Glenn J. Downing, MBA, CFP®
The SIMPLE IRA is the Savings Incentive Match Plan for Employees. The SIMPLE allows for both employer contributions and employee deferrals. The plan is deal for employers who want to contribute something – but not a lot – to employee retirement accounts.
The is the s...
by Jonathan G. Cameron, CFP®
Young professionals are expected to accomplish a lot early in life. You’re beginning to make real money. Time to get sound financial advice to establish a good foundation from someone you trust. The problem is most financial advisors focus primarily on retirement planni...
by Jonathan G. Cameron, CFP®
1. Create a budget.
If this sounds too obvious, I’ll say it again for reinforcement – are you maintaining a budget? Seriously. Miami is one of the flashiest cities in the world. If you don’t have a budget I’ll put it another way — Estas loco? It has been proven that o...
by Jonathan G. Cameron, CFP®
Congratulations! You've read Your First Home Purchase Part I and Part II and taken the advice to heart. Now you’re a first-time home owner in Miami, FL and you’re settling into your new place. The first year of home ownership brings many changes – new commute to work, ...
by Jonathan G. Cameron, CFP®
A first home purchase is a big financial commitment. Not only are you taking on a mortgage, but you often need to deplete cash reserves to come up with the down payment. But what if you don’t have enough socked away for a down payment? or what if you prefer not to use a...
By Glenn J. Downing, MBA, CFP®
With this blog post I’m beginning a two-part series about retirement savings plans available to the small business owner. Earlier Jonathan wrote about the Traditional IRA and the Roth IRA. In this piece I’m going to explain the Simplified Employee Pension, or SEP IRA....
by Jonathan G. Cameron, CFP®
When I originally wrote this, the Carolinas were experiencing the worst of Hurricane Florence. As a native Floridian I've ridden out half a dozen hurricanes myself . The aftermath of a hurricane is not only about the damage to life and property, but for many it can tak...
By Glenn J. Downing, MBA, CFP®
Usually when we think of estate planning we have in mind the orderly transition of assets at death. Death is something that you have a 100% chance of experiencing – we just don’t know when. Tomorrow isn’t promised to us – and neither is this afternoon, for that matter...
 By Glenn J. Downing, MBA, CFP®
 529 College Savings accounts just got better!Â
A 529 college savings account is one in which money is invested for a beneficiary’s future college expenses. The account grows without taxation, and funds are eventually distributed with no federal taxation for the be...
