Hello! I'm Tracy and welcome to my blog which is designed to talk about financial planning through stories.  We can relate to stories in a way that we might find it hard to do with a spreadsheet.  Many of us, particularly women, seem to have this love/hate relationship with our finances and I hope this blog helps break down some of those barriers!

So, grab a cup of coffee (or a delicious glass of wine!), pull up a chair and let's work through some important topics together. 

And if you have ideas for future topics, please let me know - you can email me at

Tuesday, April 2, 2024

Give your children the gift of financial literacy. They’ll thank you later! As a parent, you are well aware of your responsibility in helping your children grow up happy and healthy. Once they enter their teen years, the pressure can...

Tuesday, March 26, 2024

As the presidential election race heats up, a common question on investors’ minds is, “How might the looming White House vote impact the markets?” Some may wonder if they should tweak their portfolios or sit tight...

Tuesday, March 12, 2024

Experts estimate there are more than 44 million people with disabilities in the U.S., representing 13.4% of the population.1 Many parents of children with disabilities choose to establish a special needs trust. This can help provide...

Monday, February 12, 2024

Money can be a touchy subject, especially regarding our closest relationships. Whether we like it or not, finance plays an integral role in our partnerships, families, and friendships. So, how can we foster healthy attitudes and...

Monday, December 11, 2023

Your Child is Turning 18: Handling Healthcare, Academics, and Finances Together As your child blows out the candles on their 18th birthday, you may still see your baby girl or boy. But in the eyes of the law your child is considered a...

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Monday, November 20, 2023

If you or a loved one has been diagnosed with Alzheimer's disease or any other form of dementia, this can be an extremely challenging time. While promising new treatments are developing and research continues, a cure remains elusive....

Wednesday, November 8, 2023

Divorce is one of the most stressful life events. Even the most amicable splits can be complicated and emotionally draining. We likely all know couples who have gone through divorce, and it can be a trying time for everyone involved....

Wednesday, November 1, 2023

While we haven’t yet said goodbye to 2023, it’s not too early to begin thinking about any tax changes that may be on the horizon. The Tax Cuts and Jobs Act (TCJA) of 2017 was designed to overhaul the federal tax code by...

Tuesday, October 17, 2023

SECURE 2.0: Changes Going Into Effect in 2024 Passed in 2019, the SECURE Act was the most substantial retirement legislation in over a decade. It contained important changes designed to help investors save more and be better prepared...

Tuesday, October 3, 2023

Time to Think About Year-End Financial Strategies As we roll into fall and the fourth quarter, now is a good time to pause and reflect on proactive ways to set up your finances for 2024. Economically speaking, we are now in a much...

Tuesday, September 12, 2023

Social Security, the program you may have spent a lifetime paying into, is designed to offer stability, supplemental income, and other valuable benefits that can play a role in your overall financial strategy after you retire. We've...

Sunday, July 30, 2023

You may have seen the latest regarding Aretha Franklin's estate. The Queen of Soul passed in 2018, and years later, her loved ones are still caught in legal trials thanks to the existence of multiple wills. As heart-wrenching as this...

Thursday, April 20, 2023

In preparing this blog for Teach Your Kid to Save Day, I decided the best way to approach it was to let my sons share their memories and perspective on the lessons they’ve learned about setting aside money. 

Tuesday, November 8, 2022

During this season of volatility and unknowns, retirement has been top of mind for many of us. Check out our answers to the most-asked questions regarding retirement.

Friday, July 15, 2022

My father-in-law taught me many lessons; most recently, he has shown me what a blessing being prepared can be, whether that’s mentally, physically, or emotionally.

Thursday, April 14, 2022

Harold and I have a long list of creative, yet practical, ideas for parents to help set kids up for financial success. Here are a few ideas for every stage.

Wednesday, January 12, 2022

Navigating a divorce consists of many painful and challenging decisions. Don’t know where to begin? These four steps can help you organize your thoughts in preparation to protect yourself, your children and your financial future.

Friday, July 16, 2021

Confronting the kind of life event I spent my career counseling clients to prepare for.