Today vs. Tomorrow: How to Balance Your Financial Priorities

Charles HoCash Flow Planning, General Finance, Goal SettingLeave a Comment

As the new year begins, people start to evaluate their financial plans and carve out a path for their future. For most, this quickly turns into an issue of priorities, often between short and long term goals. Should you prioritize saving for retirement over debt repayment? Saving for your kids’ college over replacing the SUV that is on its last … Read More

Playing with FIRE – A Complete Breakdown of the Financial Independence, Retire Early Movement

Charles HoFIRE, General Finance, Goal Setting, InvestingLeave a Comment

Early retirement is a goal that most of us share. This is why the FIRE movement, or “Financial Independence, Retire Early,” has become so popular. You might be asking yourself, how are so many people able to achieve financial independence AND retire early? The short answer is that they aren’t. While it is popular in theory, it is extremely difficult … Read More

How to Survive the Holiday Season Without Busting Your Budget

Charles HoGeneral Finance, Goal SettingLeave a Comment

Now that the calendar has switched to December, it’s officially *ahem “🎶 the most won-der-ful time of the year 🎶”…but don’t tell that to your budget. A recent Gallop poll estimates that the average American plans to spend approximately $885 on gifts this holiday season. Couple that with the costs associated with decorating, baking, and holiday parties, and it’s easy … Read More

Six Smart Money Moves to Make in Your 30s

Charles HoGeneral Finance, Goal Setting, Retirement, Risk ManagementLeave a Comment

When you’re young, establishing a solid financial foundation is important — but not necessarily at the forefront of most twenty-somethings priority list. As long as you have enough to cover rent, a few bills, and some fun on the weekends — everything is a-okay. But something changes once you hit the big 3-0. Besides the fact that you’re older (and … Read More

Celebrating Freedom

Charles HoCareer, Cash Flow PlanningLeave a Comment

Every year, our nation celebrates its independence on July 4th. The holiday marks a turning point in our nation’s history, when we declared we are no longer bound to the governance of England. Today, that independence extends beyond the rule of another country. As Americans, we pride ourselves as being a country where we are free. We celebrate and protect … Read More

How to Pick a Financial Advisor

Charles HoGeneral Finance, Insurance, Investing, Retirement, Risk Management, UncategorizedLeave a Comment

Maybe you have reached a stage in your life where you’ve encountered a major financial decision and don’t know where to turn. Do you ask your uncle’s friend’s sister who’s a financial advisor for help? Do you post on Facebook asking for advice? Does your google search confuse you further by the myriad of diverse and seemingly contradicting answers? The … Read More

The Most Important Thing To Know When Creating an Investment Portfolio

Charles HoGeneral Finance, Goal Setting, Investing, Retirement, Risk ManagementLeave a Comment

Have you had years that the market has performed extremely well, yet your portfolio has not matched the market’s return? Have you wondered if your investment portfolio is right for you? Have you wondered if your portfolio’s risk tolerance is appropriate? If so, read on.When creating an investment portfolio, the most important thing to understand is YOURSELF. You read that … Read More