Curtis Financial Planning

Cash Flow Planning

How to Prioritize Your Financial Goals

As a financial advisor, one of my most important responsibilities is to help my clients identify and reach their financial goals. And for many of us, setting financial goals is relatively straightforward. For example, we know we want to retire by a certain age, buy a long-term care insurance policy, or upgrade our home.  However, …

How to Prioritize Your Financial Goals Read More »

Finding Your Style Can Save You Money

This article was originally published July 23, 2015. There was a time when men’s grooming and fashion were as complicated as women’s. But that time is long gone. In fact, the average American spends $161 per month on clothes, with women spending 76% more than men annually, according to CreditDonkey. And a recent study by …

Finding Your Style Can Save You Money Read More »

25 Tips to Get Your Clothes Shopping Habit Under Control

We originally published this article on June 16, 2018. If you’re like a lot of Americans, your spending habits may have changed during the Covid-19 pandemic. For many of us, staying at home meant spending less and saving more. And with nowhere to go, buying new clothes didn’t feel like a priority. Now that the …

25 Tips to Get Your Clothes Shopping Habit Under Control Read More »

Budgeting For Happiness: Your New Spending Plan

Many women resist traditional budgeting because it feels so restrictive. Your new spending plan prioritizes what’s most important to you. At the mention of the word “budget,” many people cringe. Like the word “diet,” it brings about a sense of dread, thoughts of deprivation, and the possibility of failure. Instead of focusing on the long-term …

Budgeting For Happiness: Your New Spending Plan Read More »

12 Simple Steps to Financial Success

This article was originally published December 29, 2011. In the spirit of ongoing financial wellness, we thought we’d give 12 Simple Steps to Financial Success a refresh for 2021 and repost. Happy new year! The new year is upon us, and January is always a good time to look towards the future and recommit to …

12 Simple Steps to Financial Success Read More »

Returning 2020 RMD’s To Avoid Taxation – New IRS Notice

One of the March 27, 2020 CARES Act’s key provisions was to waive the requirement to take Required Minimum Distributions (RMD’s) in 2020. This waiver is good news for retirees who don’t need the money but have to withdraw and pay taxes anyway. However, some people take their RMD, part or in whole early in …

Returning 2020 RMD’s To Avoid Taxation – New IRS Notice Read More »

Creating New Spending Habits After Shelter-In-Place

One of the most desired and, at the same time, hardest-to-do financial tasks is to create a budget and stick to it. I know this from my personal experience and that of my clients. It is the rare person who enjoys purposefully creating spending limits – because that is what a budget does – it sets limits …

Creating New Spending Habits After Shelter-In-Place Read More »

A Great Alternative to Grocery Stores: Farmer’s Markets

My anxiety level spikes at the thought of going to a grocery store. The lines are long, and once inside, it’s like playing bumper carts with your fellow shoppers all scrambling to keep out of each other’s way. I’m so grateful to the workers who are cashiering and bagging groceries, but I worry about them …

A Great Alternative to Grocery Stores: Farmer’s Markets Read More »

THE CARES ACT REVIEW PART V: Health Provisions

One of the objectives of the Coronavirus Aid, Relief and Economic Security Act (CARES) is to help people get the care they need with fewer obstacles and less-in-person contact. It adds to the health provisions in a bill passed in March – the Families First Coronavirus Response Act (FFCRA). The CARES ACT health provisions will …

THE CARES ACT REVIEW PART V: Health Provisions Read More »

The CARES Act Reviewed: Part III Expanded Unemployment Benefits

MILLIONS OF PEOPLE ARE OUT OF WORK With millions of people out of work due to the Coronavirus, the CARES Act provides much-needed relief in the form of expanded unemployment benefits. It covers workers previously ineligible for benefits, including self-employed, part-time workers, gig workers, freelancers, and independent contractors. It also helps those who have recently …

The CARES Act Reviewed: Part III Expanded Unemployment Benefits Read More »

Curtis Financial Planning