Archive - 2019

1
Spending: Convenience or necessity?
2
Back to School: Improving Financial Literacy
3
Don’t Retire Too Early #FIRE
4
Set Boundaries When Adult Children Move Back In
5
Friends With (Social Security) Benefits

Spending: Convenience or necessity?

Yes, in fact I do know it all. Until someone points out that, in fact, I have my head under my wing. This is about the blog post I didn’t write.

Recently, I saw individual Horizon Organic Milk packs advertised at Whole Foods.  I was about to write a scathing post about how the price was about 4 times the cost of a gallon of organic milk, how you could afford to let some of that gallon go sour and still be money ahead, and how you could just buy your kid a thermos—reusable and better for the planet than …

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Back to School: Improving Financial Literacy

It’s early September and while everyone is in back-to-school mode, why not take some time to hit the books and learn about some aspects of financial planning that you know little about?  Once we can read, we give less though to literacy, however the need to improve financial literacy is ongoing.

While you can rely on a Fee-Only financial planner to deal with you fairly and not pressure you to spend or invest in ways that aren’t beneficial to you, it still might be a good idea to learn more on your own. Because while your finance planner can tell …

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Don’t Retire Too Early #FIRE

The post Don’t Retire Too Early #FIRE appeared first on Yardley Wealth Management, LLC.

I want to talk to you today about something that may seem counter-intuitive.

I’m a financial advisor and I want people to get into great financial shape. Even though I want people to enjoy retirement, I don’t necessarily think that people should retire fully from work at a young age.

Some data shows that early retirees are at special risk for cognitive decline. Other data shows a loss of social networks. Neither of those sound like golden years.

A study from 2018 showed that men …

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Set Boundaries When Adult Children Move Back In

It’s back-to-school time: the point of the year parents look forward to sending their children off to school, knowing that another summer break is months away. However, some parents of adult children are in the opposite mode—instead of sending children away, they may need to welcome their adult children (and possible the child’s spouse and the grandchildren) back home. 

In “Thinking about welcoming adult children back into the nest? Consider these tips before deciding,” Washington Post columnist Michelle Singletary offers some advice. Overall, she writes, “No matter how responsible and hard-working your adult child is, the best-laid plans …

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Friends With (Social Security) Benefits

Social Security is arguably one of the most important cash flows for individuals in retirement. Many individuals have paid into the system for years, and in turn will be eligible for reduced benefits as early as age 62, or at their full retirement age (between ages 66 and 67). The decision on when to start collecting benefits is important and can impact your retirement cash flows for your remaining retirement. This decision should not be taken lightly, and it should not be left to informal conversations with friends, coworkers, etc. In other words, don’t base your decision to take benefits… Read More

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