Paul Deer, CFP®

Paying Off Your Mortgage Early: Should You, or Shouldn’t You?

Paying Off Your Mortgage Early: Should You, or Shouldn’t You?

If you don’t have enough money to do both, is it smarter to pay off your mortgage early or invest your money in the financial markets? For most working people, these are choices that need to be considered. So, does it make more sense to own your home as soon...
The Economy, Inflation, and a New Partnership

The Economy, Inflation, and a New Partnership

This week, the 10-year U.S. Treasury note yield passed 3% for the first time since early 2014, as concerns around the impacts of inflation heat up. Some of the particularly visible publicly traded companies such as Google, Facebook, Amazon, and Visa had...
How to Calculate Your Retirement Number

How to Calculate Your Retirement Number

When we refer to your retirement number, most people think about how much money they need to save to meet their retirement goals. Knowing a specific retirement number is nice; it can provide you with a seemingly concrete, attainable goal. But is it truly...
Impact of Federal Government Changes Remain to be Seen

Impact of Federal Government Changes Remain to be Seen

On Monday, Congress passed a three-week spending bill to end the government shutdown that kicked off late last week. Immigration debate was a central topic between Democrats and Republicans, and the next three weeks will likely see continued debate on this...
What is a Trust, and Who Needs One?

What is a Trust, and Who Needs One?

For more on estate planning and trusts, read our free “Guide to Legacy & Estate Planning.” Read the Guide. Most people view trusts as something only necessary for the ultra-wealthy. But like a good whiskey, trusts don’t need to be just for...
Taxes and Your Estate Plan

Taxes and Your Estate Plan

They say only two things are certain in life: death and taxes. Unfortunately, sometimes the two come hand in hand, especially if you haven’t planned ahead. Enter taxes – and your estate plan. Currently, the estate tax only impacts those who are leaving...
CASE STUDY: Funding College While Saving for Retirement

CASE STUDY: Funding College While Saving for Retirement

The Situation Sam and Bailey are married with three young children. The couple, who are both doctors in their mid-30s, live in Colorado which is one of the handful of states that offers a generous unlimited state income tax deduction for 529 contributions....