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When a 401k is NOT the Place to Save

For many people, 401k plan contributions are not where all their savings should be going, at least not right now. You say "Why in the world would you say that?" Making 401k contributions first equates to building the kitchen in your…
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Why You Are Cash Poor

Are you cash poor? Take a look at your balance sheet or net worth statement. If you're like most people, almost all of your money is tied up in retirement accounts (IRA & 401k), your home and possibly 529 college savings accounts. If…

How I Aligned My Money with My Life Goals

Balanced Lifestyle. Blessed are those that align their money and schedules with what they enjoy doing. The clock is ticking. For me it's about vacations. For the past fifteen years our kids school calendar drove our schedule to make time…
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Brad Rosley's Timeless Wisdom - Beyond Money Book

Beyond Money is a compilation of Brad Rosley's best advice from the past 30 years in practice as a Certified Financial Planner. An engaging fictional story is complimented by timeless financial ideas that make an otherwise dry subject much…
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A Simple, Priceless, Father's Day Gift I Want Every Year!

As a father of three, I can tell you that Father's Day isn't about monetary gifts.  Most dad's can buy whatever their loving children or wife could get them.  They want the priceless gift(s) that money cannot buy. If a child really…
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Why Chasing Investment Returns is Really Dumb

Investment returns have very little correlation to happiness and isn't that your real goal? We have all heard the phrase "return on investment" and that is measurable, but have you ever considered what your "return on life" (ROL) was in the…
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How to Afford to Retire at 55

How can you afford to retire in your mid-50's? If you are not in love with the drudgery of your job, then read on. It's not easy, but surprisingly "getting out" could be more affordable than you think. There are few key elements to make…

Time Out! Where Are You Going With Your Life?

Are you planning your time or blowing in the wind? As another birthday comes and goes for me, I am reminded once again just how fast time flies.  What hits me time and again is how I spend the 24 hours I am allotted every day.  Am I making…
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How to Avoid Marital Money Problems

  "Marry a man/woman more frugal then you," is great advice from one of my favorite books, The Millionaire Next Door Some guys will tell you, it's a lot easier said then done. For those guys that have married a frugal woman, money is usually…
home costs
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How Your Next Home Purchase Can Make or Break You

Everyone knows that a home is a major purchase, but most people don’t take the big picture view when they take the plunge. Did EGO get in the way (subconsciously) when you made a home purchase? We know that we are judged by our house and that…
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Habits of the Wealthy! 20 Things The Rich Do Every Day.

 Habits of the Wealthy! It turns out that habits of wealthy people tend to create positive, pro-active habits that lead to their success. I have often spoke with clients about living their life in a proactive way rather than reactive. Believe…
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Why Cash is Secret to Foundation of Financial Success

I often borrow a phrase  "Big Hat No Cattle" from a book called The Millionaire Next Door and it's That means you live an affluent lifestyle, but have very little money saved compared to what you've earned. I would like to suggest it starts…
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Fantastic 529 College Savings Plans for the Unborn

         529! Want to help your yet-to-be-born grandkids pay for college? You can’t start too soon.                                                                                         …
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How Chasing Possessions is Dangerous to Your Wealth

The Big Lie is that creating a higher standard of living (over spending) leads to a higher quality of life. Having more money or nicer things allows you to pay for nicer things and borrow more money, but doesn't mean you will have a better…