Curtis Financial Planning

Financial Planning

Estate Planning Documents Every Single Woman Needs

Estate planning is an essential part of anyone’s financial plan. I’ll explain in this article why it’s critical for single women. If you don’t have a proper plan in place, your state’s laws will dictate who receives the assets under your estate. State laws usually designate beneficiaries in this order: spouse, children, grandchildren, parents, grandparents, …

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Single and Thinking About Retirement? Five Tips to Help You Get There

Most of us dream about the day that we can take a break. We envision a full, long-lasting retirement that is free of financial worries and packed with more of the things we enjoy spending our time on. Whether you’re planning to retire at the traditional age of 65 or you’re aiming to get there …

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Selfcare, Learning And Trying New Things During The Age Of COVID And Black Lives Matter

As our usual routines and habits get upended and disrupted due to COVID, we have had to find new ones to replace them. The way we dress, eat meals, get exercise, socialize, work, and play has changed. I have discovered new ways to practice self-care. I renewed my interest in more in-depth learning, particularly about …

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Updated for 2020: Triple Tax Savings For You: Health Savings Plan (HSAs) Explained

If you don’t know about Health Savings Accounts (HSA’s) and are eligible to open one, you’re missing out on an excellent savings vehicle with fantastic tax benefits. What is an HSA? An HSA is a tax-exempt trust or custodial account established with a bank, insurance company or other IRS-approved entity. They are triple tax-advantaged – …

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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 …

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CARES Act Review Part II: Retirement Account Provisions

There are several retirement account provisions in the CARES ACT meant to reduce your tax liability or help with current cash flow or both. Here are the details: 1. RMD-REQUIRED MINIMUM DISTRIBUTIONS You don’t have to take your RMD (Required Minimum Distribution) for 2020, whether it be from an IRA (regular, Simple, SEP), inherited IRA, 401(k) …

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Late-Career Women and Burn-Out or When Can I Retire?

Does this sound like you? – 50-60 ish, – have been working for 30-40 years, – salaried employee, – your boss is a pain, – co-workers are all 20-30 years younger than you, – some days are better than others, – someone asks: when do you want to retire? and you say “tomorrow.” If you …

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10 Tips to Being a Happily Self-Employed Person

A friend who recently left her corporate job and is now self-employed asked me how I manage to run a business while still enjoying an active, interesting life outside of work.  She wanted some suggestions, which made me reflect on what has been most important for me in achieving a healthy and happy work-life balance. …

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Financial Planning — It has nothing to do with luck.

This month of March you may be thinking about all things green – including your hard-earned cash! You may also hope that some good luck finds its way to you. Oddly enough, many people view luck as an integral part of their personal finances. The idea that wealth is a direct result of “getting lucky” …

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