Glenn J. Downing, MBA, CFP®
What kinds of insurance do you offer?
We broker life insurance, disability income insurance, and long-term care insurance. In obtaining Insurance coverage for our clients, We shop the market for the most suitable product at the best price.
Can I get auto or...
by Glenn J. Downing, MBA, CFP®
From time to time I’m asked, Glenn: there are plenty of financial guys out there. They’ll do financial planning for free. So why should I pay you guys?
Good question, and not unexpected in these days of free resources online. To answer it, let...
by Glenn J. Downing, MBA, CFP®
Why do financial planning?
Short answer: because no one can hit a moving target. The financial plan informs all financial decisions: how to invest, what to save and where, and what insurance should I purchase or drop.
What should I expect when I come in to see...
by Glenn J. Downing, MBA, CFP®
Do you have a Flexible Spending Account available to you through work? These can offer tremendous tax savings. As you do your research, note that FSAs are of two sorts: The Healthcare FSA and the Dependent Care FSA.
Flexible...
by Jonathan G. Cameron, CFP®
All financial planning begins with cash flow planning – your budget, in other words. Sometimes people recoil from that word - budget. To them the word is fraught with negative connotation: I can't spend! Not in my budget! ...
by Glenn J. Downing, MBA, CFP®
In this post I’d like to give a little history and background on the advice industry. It may not grab you right off as being the most compelling reading, but please stick with it. I have some valuable points to develop. In Part II I go into some of...
by Jonathan G. Cameron, CFP®
One of the most popular ways to save for retirement is in a Roth Individual Retirement Account. Roth IRAs was first made available in 1997, after they were championed by former Senator William V. Roth of Delaware.
What is a Roth IRA?
Tax-wise, a Roth IRA is...
by Jonathan G. Cameron, CFP®
As a Millennial, you are in a unique position to start strong when it comes to your money. Financial planning for millennials looks very different than planning done for Baby Boomers, and requires special attention.
Top 3 Financial Priorities for Millennials
- How...
by Jonathan G. Cameron, CFP®
According to CNBC, there is more than $1.2 trillion in outstanding student loan debt, owed by 40 million borrowers, who have an average balance of $29,000. * Do you have student loan stress?
Do You Have Student Loan Stress?
Large student loan balances can be...
by Glenn J. Downing, MBA, CFP®
Can I Time the Markets? You can certainly try. But remember the expression: one man's ceiling is another man's floor.
When the stock market becomes volatile, people often wonder, Is this a good time to go in? Or should I sell out? ...
Glenn J. Downing, MBA, CFP®
In what should I be invested?
We make no recommendations before completing our due diligence. Only after we have a clear picture of your risk tolerance, income needs, tax situation, time horizon, and cash flow position do we make any investment recommendation.
...
by Jonathan G. Cameron, CFP®
Many of my readers participate in an employer's 401k plan. We get a lot of 401k questions at CameronDowning, so here’s a post with some tips to make the most of this fantastic benefit.
401k Plan Basics
The technical name for the 401k plan is an...
