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Christmas is upon us, and 2025 is only a few days away, so I am looking backward and forward for any positive personal financial possibilities that can help us spread some Holiday cheer. I recently found one. Actually, Adam found it and alerted me, so I am passing it along to our audience. This one […]

Listen carefully, and you can almost hear the national (and international) sigh of relief as 2024 winds down to an end, leaving in its wake a pile of economic hardship and damage. Strangely, economic reports and statistics flowing constantly from our bureaucrats and media sycophants seem to want us all to believe that our economy […]

Every year since I can remember, I have prepared a Christmas Wish List for Congress, and every year the theme seems to be the same. Last year, I wrote (modified slightly): Once again, I am driven to perform an annual exercise in futility by itemizing my Wish List for this (the outgoing 118th) Congress. As […]

December is here, and if you are like most people, you are not quite sure how it snuck up on us so quickly. With Thanksgiving having occurred so late in November, remaining time is unusually short for planning and completing transactions prior to the New Year. Financially, we should all be tidying up what we […]

Our recent Blogs have outlined financial changes coming from government-controlled entities (including the U.S. Tax Code, Social Security, and Medicare, especially as Cost-of-Living Adjustments (COLAs) are unequally applied to each. This past week brought further data releases, in the form of Medicare premium increases for both the Base Cost and IRMAA add-ons. IRMAA stands for […]

As an American taxpayer, financial planner, and part-time radio host, one of my self-appointed responsibilities has been to enlighten our audience as to upcoming financial changes that will impact nearly everyone. This time of year, Congress and certain Departments of the Administration are busily preparing annual changes to taxes and our massive Social Programs, including […]

Uncertainty is the bane of the stock market, as well as tax planners and investors everywhere. Throughout the 2024 Presidential Election Cycle, prognostication became increasingly difficult as proposals, trial balloons, polls, and candidate swaps supplied a plethora of conflicting concerns. Nothing was certain, planning was difficult, and markets were understandably volatile. Fortunately, the election is […]

During the closing weeks of each calendar year, our Federal Government trickles out tax changes that will affect savers and investors in the coming New Year. The process has started for 2025, and we are bringing you what we know so far, with some analysis and comments included. Foundational to annual changes is the inflation […]

Last week, we began a discussion that emanated from a radio listener’s inquiry. The general topic was preparing Americans for Retirement Planning and the need for an early start with education, saving, and investing. Dreaming of retirement is not enough, and in the 21st Century, no one else will be looking out for you. That […]