The Consulate Journal is our written blog, dedicated to educating our audience on a wide range of topics. Sometimes we’ll be sharing our financial planning philosophies, and other times sharing our views of money and its place in our lives. Most often, we’ll be sharing specific and actionable financial planning strategies that we use with our clients.
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The Best States to Retire In
I have seen many articles about great states to retire to and wondered how they developed their list. So, I decided to write my own article on the best states to retire. The greatest benefit of financial independence is that…
Read MoreMD Now Allows a Beneficiary Designation on an Automobile Title
In 2018 MD began to allow a beneficiary designation on an Automobile Title. If you own an auto in just one spouses name, then I strongly suggest you put a beneficiary on the auto title. It is very easy and…
Read MoreZero-Cost Commission Trading and the Power of Independence
This article is not designed to address the reasons behind zero-commission stocks trading, but instead to make the case for an advisor being independent from brokerage firms, insurance companies, and banks. Recent news banners have heralded zero-cost stock trading from…
Read MoreThe New World of Charitable Giving
There are many cool ways to get the greatest bang for your charitable giving buck, and this article will explore two techniques that are simple, relatively new, and effective. First is the Qualified Charitable Distribution (QCD) from an IRA. Unfortunately,…
Read MoreInvestor Poison
If you are an investor and you want to make good investments, make sure you know how to deal with Investor Poison. Investor Poison is the media that throws story after story at you to elicit a response from you. Why would they do that?…
Read MoreEquifax Data Breach Settlement – What do you need to do?
Equifax Data Breach Settlement What do you need to do? 147 million American’s data was stolen from Equifax in 2017. The data maintained by a credit bureau is immense and put all people affected by this breach at serious…
Read MoreWhat to Do With an Existing 401(k) Balance
On a weekly basis, we answer many personal finance questions, either for our clients or for radio listeners. The most common question asked is what to do with an existing 401(k) balance that was accrued when working for a former…
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