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January 3, 2023 By Van Richards, ChFC Leave a Comment

What’s After Disappointment?

What's After Disappointment? The Answer is Recovery!

It’s recovery! After 2022, I ask myself, what’s after disappointment? You might expect to see some graphs with squiggly lines to explain how to recover from investment losses. Instead, let's try something different and more common. See the picture with the perky green … [Read more...] about What’s After Disappointment?

Filed Under: Financial Planning, Investment Planning, Retirement Planning Tagged With: financial education, financial planning, investing, retirement, retirement planning, stock market

December 29, 2022 By richardsfinanc Leave a Comment

For Everything There Is a Season

For everything there is a season, ever for my tomatoes this year.

Admittedly, change is uncomfortable. I was thinking of this while harvesting my tomatoes last week. Have you ever heard the quote, "for everything there is a season?" It applies to life, relationships, gardening, finances, and a lot more. Actually, if you give it some thought, … [Read more...] about For Everything There Is a Season

Filed Under: Financial Planning, Investment Planning Tagged With: financial education, life planning

December 21, 2022 By Van Richards, ChFC Leave a Comment

Watching and Waiting

Ranger Watching and Waiting

When will something happen? Meet my dog, Ranger. He’s watching and waiting! My children were not only watching and waiting for Santa in past years on Christmas Eve. But they were watching and waiting for our dog to talk too! Have you ever heard the tale of the night that the … [Read more...] about Watching and Waiting

Filed Under: Financial Planning, Investment Planning Tagged With: financial planning, investing

December 13, 2022 By Van Richards, ChFC Leave a Comment

Do resolutions work?

Do resolutions work?

Mine made me money! In just a few weeks, we'll wish each other a happy New Year, and I bet someone will ask you, "so, what are your New Year's Resolutions this year?" But have you asked yourself the question, do resolutions work? Here is how I made my New Year's Resolution for … [Read more...] about Do resolutions work?

Filed Under: Financial Planning, Retirement Planning, Social Security Tagged With: financial planning, life planning, retirement planning, Social Security

December 6, 2022 By Van Richards, ChFC Leave a Comment

Stress Free Holidays?

Stress Free Holidays?

What's on your calendar? Are your holidays stress free? Or does your calendar look like a never-ending to-do list? This time of year can bring out a lot of different emotions. Other than family stuff, many people’s feelings now are related to money. December is not a … [Read more...] about Stress Free Holidays?

Filed Under: Financial Planning Tagged With: financial education, financial planning

November 29, 2022 By Van Richards, ChFC Leave a Comment

Candy & Tax Breaks

Candy & Tax Breaks

Learning From the Past This past Thanksgiving brought up a few memories from my past, candy, and tax breaks. One of my favorite memories is of a candy recipe my grandmother used to make over the holiday. One of my least favorite memories is of a surprise tax bill. I want to … [Read more...] about Candy & Tax Breaks

Filed Under: Financial Planning, Investment Planning Tagged With: financial education, financial planning

November 22, 2022 By Van Richards, ChFC Leave a Comment

Retirement Is More Than Money

Retirement Is More Than Money

Where is the love? I went to a luncheon last week that made me start thinking about something that I want to tell you about. So here it is. Retirement is more than money; so much more. And what brought me to this realization? From time to time, I get together with a group … [Read more...] about Retirement Is More Than Money

Filed Under: Retirement Planning Tagged With: retirement

November 15, 2022 By Van Richards, ChFC Leave a Comment

Internet Advice- Good, Bad & Ugly

Internet Advice Good Bad & Ugly

Internet advice is one of those things that we all are guilty of reading, the good, bad and ugly. I'll admit I read too much internet medical advice. And I'm dismayed by the level of internet investment advice, especially with the 60/40 allocation strategy. Last week I went in … [Read more...] about Internet Advice- Good, Bad & Ugly

Filed Under: Investment Planning, Retirement Planning Tagged With: investing, retirement planning

November 10, 2022 By Van Richards, ChFC Leave a Comment

Understanding the Tax Torpedo

What's a Tax Torpedo?

I’ll have to admit that sometimes I miss the subtleties of conversations. Like this past weekend, I was washing my Tahoe, and my neighbor had a power outage. The repairman walked by me and said, “are you trying to make it rain?”   I guess I was engrossed in some … [Read more...] about Understanding the Tax Torpedo

Filed Under: Social Security Tagged With: retirement planning

July 10, 2022 By Van Richards, ChFC® Leave a Comment

10 Things to Know About Bear Markets

10 Things to Know About Bear Markets

Are you ready for what's coming? We don't go through actual bear markets that often, so the more you know about bear markets, the better you will be able to make informed investment decisions. After all, the overwhelming chaos in the world investment markets makes even the … [Read more...] about 10 Things to Know About Bear Markets

Filed Under: Financial Planning, Investment Planning, Retirement Planning, Stock Market Tagged With: financial education, investing, retirement planning, stock market

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