Curtis Financial Planning

Financial Planning

Happy Holidays: The Gift of Financial Self-Care

We originally published Happy Holidays: The Gift of Financial Self-Care in December 2016 and decided to give it a refresh for 2021.  The holiday season is a once-a-year mash-up of magic and madness. Indeed, it can be a challenge to find balance between the two. The moments of wonder with family and friends go hand-in-hand …

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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, …

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Why Do We Procrastinate about Finances?

This article was originally published January 25, 2018. Personal finance is something that’s easy to put on the back burner. I hear it from clients all the time: I only have $200,000 saved for retirement and I’m already 62 years old! I’m co-signing all of my child’s student loans, and I realized I’m nowhere near …

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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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