facebook twitter instagram linkedin google youtube vimeo tumblr yelp rss email podcast phone blog external search brokercheck brokercheck Play Pause

Dream Financial Planning Monthly Newsletter

Plan Proactively, Invest Intelligently, Minimize Taxes


September Newsletter

Thanks for reading the September Newsletter from Dream Financial Planning.

I've been getting a lot of questions recently about Insurance, so I borrowed this graphic from @personalfinanceclub on Instagram. Before you buy Insurance, make sure you're working with a Fiduciary and ask about the agent's fees and commissions, which are often very high or hidden for Whole Life Insurance products and Annuities. How do you know if this is what they're trying to sell you? Look out for terms like cash value, guaranteed return, no risk, or tax-free growth.

Make sure you read my blog post below, where I discuss some of the common mistakes I see people make with Insurance. As always, feel free to reach out with any questions.

Investments and Insurance don't mix!

Insurance is designed to transfer risk from you to your Insurance company that probably has some really funny commercials.

You invest so you can build wealth for you and your family. If a Financial Advisor is recommending something that offers Insurance and Investing in one product, think twice.

Much like the 2 in 1 peanut butter and jelly spread I enjoyed so much as a kid, some things are just better left separate.

Speaking of things that don't mix. Does anyone remember when McDonald's sold McPizza?

Blog Post

Back to Basics: 9 Common Insurance Mistakes to Avoid
Choosing an insurance policy that works best for you and your family is of the utmost importance. When you shop around and find the correct one, it not only benefits your health but can save you money as well. I've included 2 PDFs in this blog post to help you evaluate your insurance needs. The first is "What Issues Should I Consider When Reviewing My Health And Life Insurance Policies." The second is "What Issues Should I Consider When Reviewing My Property And Casualty Insurance Policies."

Media Mentions

Security vs. Liquidity: Here's What You Should Consider Before Investing in a CD
I shared my thoughts with Kendall Little of Time.com about how to invest your emergency fund. Anyone that's bought a home recently or refinanced a mortgage knows the benefits of low-interest rates. If you have money in a savings account, you've also seen the consequences of low rates. 


August Blog Posts from Dream Financial Planning

Healthcare is expensive. Can a Health Savings Account (HSA) Help?
According to a recent survey, medical expenses cost young adults approximately $2,000 a year and more than quadruple that by retirement. Should you consider utilizing a Health Savings Account (HSA) or Health Reimbursement Account (HRA) to help offset these costs?

The Stock Market and the Economy Are Not the Same: A Guide to Understanding the Difference
Stocks have been up — but unemployment has also risen. Why is that? Here, we break down the major differences between the stock market and the economy.

Read more from Dream Financial Planning on the blog.

I wish you the best as you start planning for your dreams!


Complimentary Consultation

With uncertainty surrounding the economic stability of our country, it's okay to have fears and anxieties surrounding your own savings and investments. The most productive course of action from here is to reach out to Dream Financial Planning (or whoever your trusted advisor might be) and discuss your options. It's easy to have knee-jerk reactions when it feels like the bottom is falling out, but it is imperative to make decisions using research-backed data and a level head. If you'd like a Complimentary Review and risk assessment of your investment portfolio feel free to send me an e-mail.

SIGN UP TO RECEIVE OUR NEWSLETTER VIA E-MAIL


August Newsletter

In this month's newsletter I discuss why I started Dream Financial Planning and the foundational principles of my firm. I also included two downloadable PDFs. One highlights what you should consider when paying off your student loans. The other provides guidance on Income-Driven Repayment ("IDR") Plans, which can be an attractive option for federal student loan borrowers.

July Newsletter

In this month's newsletter I shared an article that discusses Regulation Best Interest vs. the Fiduciary Standard. I also included two downloadable PDFs. One highlights how to make sure your Health Savings Account (HSA) distributions are tax-free. The other provides guidance on if you should contribute to a Roth or Traditional IRA.  Last, but not least there are articles on the recent jobs report, first time home-buyers, and mortgage refinancing.


June Newsletter

Are you considering a Roth Conversion? I included a downloadable PDF flowchart to help guide you.  I also mention the surging Stock Market and better than expected unemployment numbers. There's also a friendly reminder about the difficulties of trying to time the market.

May Newsletter

What should I do with my 401k?  This is a question I've been getting a lot recently, I answer it in this month's newsletter. I also include two downloadable PDFs.  One is a checklist that outlines the primary issues you should consider when reviewing your taxes.  The 2nd checklist outlines what you should do if you lose your job in these difficult times. 

April Newsletter

I discuss the recent economic stimulus package and what it means for you. I also include two downloadable PDFs with helpful tips to help you navigate these trying times. Lastly, I discuss the Behavior Gap, and how holding your emotions in check is essential for financial success.

March Newsletter

In the words of Warren Buffet. “Be fearful when others are greedy and greedy when others are fearful.” Topics include Market Volatility, trying to time the market, and Mortgage Rates.

February Newsletter

Topics include Millennials and home ownership, a tax calculator from the IRS, and January blog posts from Dream Financial Planning.


Disclaimer: Dream Financial Planning, LLC does not warrant that this information will be free from error. None of the information provided on this website is intended as investment, tax, accounting or legal advice, as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, or other securities or non-securities offering. The information should not be relied upon for purposes of transacting securities or other investments. Your use of the information is at your sole risk. Under no circumstances shall Dream Financial Planning, LLC be liable for any direct, indirect, special or consequential damages that result from the use of, or the inability to use, the materials in this site, even if Dream Financial Planning, LLC or a Dream Financial Planning, LLC authorized representative has been advised of the possibility of such damages. Please consult with your own advisor before making any changes to your Financial Plan, Investments, or Insurance coverage.