The Debt-Free Diversion Tactic

It can safely be argued that paying off debt, even in this low-interest rate environment, is a good idea. However, we think this strategy gets a bit over-sold, often by zealot financial media personalities, well-intending family members, co-workers or friends.  


Thumbnail

Destination Unknown

It's remarkable how few people know what their budget is now, and more importantly, what it will be once they retire.  Planning for retirement without a budget is like driving your car to a destination you've never been...while wearing a blindfold - not recommended.  This short video talks about one of the first step on the journey to a successful retirement - creating a FUN retirement budget!


Thumbnail

Portfolio Cash Flow

The re-balancing of a person's investments should be done on a continuous basis and the best way to accomplish this is using the portfolio's cash flow.  For those adding to their portfolio, this gives them the opportunity to bolster any underweighted categories.  Those that are taking money out, perhaps for retirement, should be looking to trim allocations in categories that are larger now due to out-performance.  This short view describes this process.


Thumbnail

Investing Through Retirement

Are you saving for retirement, quickly approaching or already there? This short video will make sure you are considering a strategy that many people overlook.


 

Thumbnail

Getting Money To You Faster!

Thanks to all of the new technology available, we now have the ability to help make your life a little easier. Establishing a “move money” link will help get money to you faster and more securely in the future. Watch this short video on why we think it is important to link your bank and TD Ameritrade accounts.


 

Thumbnail

Your Next (and Last) Move

Should you or someone you know consider making their last move ever? This could be to downsize or perhaps they need additional assistance beyond what is available. This short video gives three quick tips that can make this a lot less stressful and sheds some light on what should be considered before their last move ever.

 


Thumbnail

When Losing 20% is GREAT!

Think a great rate of return means you have a really great financial advisor? Or that a mediocre or bad rate of return means your advisor isn't very bright? A good or bad rate of return needs to be understood in the context of the investment environment it's being measured within.


Thumbnail

Pesky Proxies

We get asked all the time what should be done with all the proxy notices clients receive for their different investment holdings. Vote for, against or ignore entirely? This short video gives you some tips on what to do with your proxies and how VF provides oversight for them.


Thumbnail

New Year - New Goals

Tis the season to reflect on the successes of 2017 and make some new resolutions for 2018. Watch this short video to see what each VF staff member accomplished and hopes to achieve in 2018. You’ll see how working with a financial planning firm can make a difference.


Thumbnail

Tax Preparer or Planner?

There’s a big difference between advisors that are tax return preparers vs. tax planners. Pretty much every day our clients are earning either wage income or investment income that will eventually get taxed. For this reason, we at VF believe that tax planning should be an everyday activity as well. This short video outlines the benefits of working with a tax planner, not just a tax preparer.


Thumbnail

Do You Know a HENRY?

That is someone that is a High Earner, Not Rich Yet – HENRY!  A lot of folks find themselves in the situation where they have a high income but, for a variety of reasons, haven’t accumulated a lot of assets or investments. Many financial advisors don’t want to work with these folks since the advisor can’t immediately generate a lot of fees and commissions working with them – there’s not much existing money to invest.  This short video talks about the challenges and opportunities we see for HENRY’s, and how VF can help them. 


Thumbnail

How to Set & Accomplish Your Financial Goals - Part 2

Are you actively or passively pursuing your financial goals?  In this short video we describe the very different outcomes that can be expected if a person pursues one approach versus the other.  Whether you want to eventually retire or have been retired for years, are you doing everything you can to actively pursue and accomplish your goals?  If you want to make sure you are, we should talk! 


Thumbnail

How to Set & Accomplish Your Financial Goals

One of the keys to accomplishing financial goals is simply prioritizing them with what is most important to you. Some want to "live large" now while others are willing to sacrifice some current indulgences to achieve financial independence sooner.


Thumbnail

What is Credit Complacency?

Having access to credit can save a person a lot of money while having the wrong type of credit can be really expensive. In this short video, we touch on some tips for the right and wrong types of credit to have and when is the best time to establish them.


Thumbnail

Do You Own the Right Investment "Vehicles"?

You wouldn’t buy an Indy race car to pick up the soccer team or own a dump truck solely for its fuel efficiency. Unfortunately, too many people make these same kind of curious decisions when it comes to choosing their investment vehicles. For accounts designed for long term growth, they own non-growth oriented investments like CD’s and annuities and own volatile individual stocks in their rainy day, emergency fund. Do you own the right investment vehicles for your investment objectives? Watch this short video to learn more.


Thumbnail

Should You Pay Off Your Mortgage?

We get asked this all the time and agree a person can feel a great degree of satisfaction not having a mortgage…but we want to point out a couple compelling reasons why NOT to do this. Some considerations include the mortgage itself is not the end of a person’s housing costs, putting more money into your home doesn’t improve overall wealth diversification and there are better ways to build wealth than using after-tax money to pay down a mortgage. Please watch the short video to learn more.


Thumbnail

A “Secret” Great Investment

With so much hype today about robo/digital advisors, index portfolios and other lower cost investment options, lost is one that could really be used successfully by just about everyone. Watch this video clip to learn how this option gives an investor instant diversification, automatic portfolio rebalancing and “knows” when it’s time to get more conservative like when a person is nearing retirement.


Thumbnail

Retirement Strategies that Could Send You Back to Work

Once a person retires, no one wants to “un-retire” because they’ve made some bad financial decisions. Nonetheless, over the years we’ve seen some people accomplish just that.


Thumbnail

Million Dollar Check

Wouldn’t it be fantastic if one day someone wrote you a check for $1,000,000…


Thumbnail

Tax Return Preparation - the Okay, Good & Great

People can have very different outcomes depending on if they fill out their own tax return, take them to a tax professional for preparation or employ the services of a tax planning team.…


Thumbnail

Do you know all the IRS “promo codes” and “cash-back” coupons?

If you do not know all the strategies to lower your tax bill, you will be paying more than someone that…


Thumbnail

Get Your Money on a "Roll" with VF!

According to a 2012 U.S. Labor Department report, the average worker holds 11 jobs between age 18 and…


Thumbnail

How to Avoid the "Grandparent" Scam

At Vawter Financial we strive to help our clients protect their wealth in all ways possible. Sometimes…


Thumbnail

Best Investments to BUY NOW!

"The Best Investments to BUY NOW!" How often have you seen or heard an advertisement like that? We think…


Thumbnail

An Investment Strategy to Avoid: "Liquidity Addiction"

Too often we see people sitting on WAY more cash than they would ever need for an emergency expense or…


Thumbnail

How not to be “Average” so you can double your money more often

Whether you’re age 25 or 65, if you want your money to double one more time over the next 25 years you’ll…


Thumbnail

"Tax" Diversify Your Retirement Income

Being “debt free” is an admirable goal but it’s actually impossible for investors. The reason is that,…


Thumbnail

How Smart Investors Avoid Having the IRS as their Largest Creditor

Being “debt free” is an admirable goal but it’s actually impossible for investors. The reason is that,…


Thumbnail

One-Time Projects

The first time a person installs a dishwasher, hangs a ceiling fan or does any other one-time project,…


Thumbnail

Gardening for Investors

In today’s short video we discuss the elements that make for a successful “investment” garden. A great…


Thumbnail

How to Make Work “Optional”

Among the best days on the job is the first day that a person knows that their continuing to work is…


Thumbnail

See More Green this Holiday Season

December is often the month most associated with tax planning for good reason -- most tax planning has…


Thumbnail

See Less Red this Holiday Season

Many investment companies will be making rather substantial distributions the last few weeks of the year.…


Thumbnail

Why the Average Investor Does 70% Worse than the Market

Studies show that the average investor does 70% worse than a more disciplined, buy-hold investor. This…


Thumbnail

How to Enjoy More Retirement Income

Do you know what is often the biggest cost of retiring? It's usually not healthcare, housing, food, entertainment,…