June 8, 2023
“Budgets can feel restrictive, Cultivate Financial’s Coake says. But having a certain amount of money automatically going to your savings account can help separate your spending account from your savings account.
Read MoreCharitable giving is one of my favorite topics to plan for with clients. Ryan reached out to get a few pointers for this article on maximizing charitable contributions.
Read MoreOne of our core tenets is that fees should be straightforward and transparent. This is one of the ways we are rebelling against the financial industry from within. The vast majority of advisors have fees that are hidden, confusing, create conflict, and are inaptly named. Let’s examine the most common ways advisors charge fees then we’ll explain why we chose to be different than most.
Read MoreThe CARES Act waived Required Minimum Distributions for 2020. Here's what you need to know along with some planning opportunities to explore.
Read MoreFind the answers to your most pressing questions about the CARES Act stimulus checks.
Read MoreLucy reached out to get a few pointers to share in her article about getting back on track financially after caring for a loved one and we were happy to help.
Read MoreNo one likes to talk about or work on budgets. In fact, I’ve stopped using the word. However, Matthew Goldberg wrote an article with some great tips on how to control your budget and stop letting it control you.
Read MoreAug 1, 2019
A typical target-date fund has what’s known as a glide path, which represents the shift in the fund’s allocation of stocks, bonds and other investments over time. But that’s where this one-size-fits-all strategy runs into trouble, because it may not take into account when you actually retire, says Ashley Coake, a certified financial planner with Cultivate Financial Planning, in Radford, Va.
Read MoreJul 6, 2019
“Ashley Coake, owner of Cultivate Financial Planning, said female clients in dire financial circumstances following a divorce or death of a spouse tend to do too little — or too much — in response.”
Read MoreToday, July 4th, we reflect on the history of our nation on the 243rd anniversary of the declaration of its independence. There’s much controversy in the news regarding Betsy Ross’ flag, which has been improperly utilized as a symbol for supremacist groups in more recent history. Leaving aside any arguments regarding the appropriateness or inappropriateness of the flag’s use in current times, let’s take a moment to look at the woman behind the flag and her story ties to financial freedom.
Read MoreWe know recessions are a natural part of a healthy economic cycle as rain and winter are a natural part of our weather seasons. Just like farmers can’t control the rain, we can’t control the market. We can, however, take a lesson from the farmers and make hay while the sun shines and prepare for a recession.
Read MoreIt’s Spring – the time of year that we often think about tidying up and starting fresh. Things go well with our chore until we hit “the pile”. You know the one I’m talking about: all the papers that you haven’t filed or shredded, that have been stacking up since at least last year. Here’s your guide for getting organized.
Read MoreI’ve received many questions regarding emergency funds lately. Why? Because they’re so important! While we can’t know everything that lies ahead, we can be prepared for life’s inconveniences and opportunities. Here’s the Who, What, When, Where, and How of emergency funds.
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