• In a recent post reviewed the common college funding formula the importance of the expected family contribution.   However, many families do not want or know how to create an expected family contribution (EFC) number. If they produce the number, it will likely be a guess.  This article discussed allowances and protections in more detail with how […]

    Nathan Carmany
  • 2016 will be closing quickly.  Like the Cubs, you can finish strong and put your finances in order for 2017.  One way to carry out this task involves a few simple techniques outlined by Sheryl Rowling in her article, “Permanent Tax Savings and Techniques (1.)” Why is this important? Every year taxpayers tell the Internal […]

    ncarmany
  • For most Americans, owning a car remains a part of everyday life. For the car enthusiast, frequent maintenance, as well as knowledge of how the car works, become part of regular conversations. For the non-car enthusiast, finding a trusted mechanic is like becoming a treasure hunter searching for gold on the seafloor with no boat. […]

    ncarmany
  • THE TEXT My insurance agent sent me a text a few weeks ago. (We are friends and used to work together.) Like most people who are busy, I failed to reply in a timely matter.  The nature of his communication was a notice of our annual review and an opportunity to shoot the breeze to […]

    ncarmany
  • Here and Now Get good grades, go to college or trade school, and then land a high-paying job.  That is what we tell and teach our youth.  Have you gone through the same cycle?  How has it worked out? If you are like me, you have encountered many twists and turns along the way. As […]

    ncarmany
  • As a parent, I often remind my children to behave when I leave them with friends or relatives, and most of the time they do.  However, many children, including my own, pass through extended periods during which they transform from cute, lovable beings into gremlins (often in the presence of parents) that spread toys, food, […]

    ncarmany
  • If I received a nickel every time someone asked me for financial advice, I would be rich. Around the cooler, in the grocery store, and at family gatherings are just a few of the places where people seek information. “What should I buy?” or “What is hot in the markets these days?” When I explain […]

    ncarmany
  • Leveraging higher education retirement plans yields great value if done correctly. However, many complicated questions need answers. Should you save in a 403(b), 457, or IRA? Do the plans have different features? What about Roth choices? What if I lose my job? Here, information will be shared to help make the complicated world of retirement […]

    ncarmany
  • Most advisors today have clients start the planning in one of two places.  The most common approach with asset managers begins with a thirty- to sixty-minute conversation creating an outline of the investing history, philosophy, and experiences. An investor questionnaire and account paperwork soon follow. Holistic financial planning, the second starting position, focuses on your […]

    ncarmany
  • The financial news scrolling across computers, tablets, and smartphones leaves investors wondering what the UK vote to exit the European Union, “EU”, means. The markets and Prime Minster Cameron seemed very confident the vote would result in the UK staying in the EU. Now, not only do we have UK leaving the EU, but Cameron […]

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