Recent Articles

Sustainable Investing

Sustainable Investing: Impact the Planet Using Your Retirement Portfolio

With all of the talk these days about climate change and what can be done, as a society, to lower our greenhouse gas emissions, I want to dive deeper with you into sustainable investing and what it might look like for you to invest sustainably. If you’re at all concerned with the evidence in favor of climate change that you’ve been seeing in the news lately and you are investing for retirement (which, if you’re a LifeSighted blog reader, you know you should be doing!), it’s worth understanding what sustainable investing is, why you should be investing sustainably, and how to go about investing sustainably.

Selling vs. Renting: Should I Sell My House or Rent It Out? A Financial Planner’s Perspective

Maybe you’re moving into a bigger house to fit a growing family, maybe you want to downsize, or maybe you’re relocating for work. Luckily, you’ve done such a good job planning that you have plenty in savings to cover the move and don’t have to sell your current house. Now you’re at a crossroads, though. What should you do — sell your house or use it as a rental?

5 Financial Planning Tips to Turn Your Small Business Income into Personal Wealth

People have many reasons for why they would want to start their own business — following passions, creating a better work/life balance, choosing the people they want to work with (or for), just to name few. The motivation I hear most often, though, is that they want the control over their own destiny and income that owning a business provides (whether that business is a “side hustle” or their full-time source of income).

Restricted Stock Unit (RSU) Taxation: Stay On Top of Your Tax Withholding

Every year, I get new clients who are surprised they still owe a significant amount in taxes on April 15, especially when they’ve set their tax withholding allowances to 0. Those same clients thought they would have enough taxes withheld by making that election alone. Unfortunately, because of their compensation structure, that’s not the case.

7 Pandemic-Proof Fundamentals of Personal Finance

“A goldfish grows to the size of its bowl!” This commonly known adage is used to encourage people to expand their horizons by widening their self-limited beliefs. However, the true reason that goldfish in a tiny tank stay small is lesser known. Goldfish are “indeterminate growers,” meaning they grow for their entire lifetimes. The determining factors for how large or small a goldfish develops relates to the health conditions within the tank…

I Want to Buy a House – How Much Can I Afford?

Regardless of whether you rent or buy, housing is likely to be one of the largest expenditures you will have over your lifetime, second maybe only to taxes. Obviously, paying your tax bill feels a whole lot worse than paying your mortgage, which is why we all do our darnedest to minimize our tax liability. Still, making the right housing decisions can have just as much of an impact on your finances, and as a result, other areas in your life too.

The 2018 Tax Reform & How It Impacts You

As many of you know, there have been a lot of changes to the tax code under the Tax Cuts & Jobs Act that will affect everyone to some extent. Most of these changes are taking effect this tax year (2018) and will last until 2025, at least, so I thought it would be helpful to highlight a number of the changes here just in case you wanted to get started on your tax planning early this year (and you should)!

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