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On point planning.

Welcome to our finance blog, where we deliver on-point insights and resources for attaining financial goals. Discover tips and education for all financial stages, and leverage our expertise to master your finances.

Liquid Term (Lt)
Benjamin Barnhart, CFP® Benjamin Barnhart, CFP®

Liquid Term (Lt)

Explore the crucial concept of Liquid Term (Lt) in a comprehensive 4-minute read. Learn how to calculate, understand, and improve your Lt to enhance financial stability and readiness for unforeseen events. This blog post breaks down liquid assets, assesses annual living expenses, and offers practical strategies for managing your financial health. Perfect for individuals and families navigating the complexities of financial planning.

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Total Term (Tt)
Benjamin Barnhart, CFP® Benjamin Barnhart, CFP®

Total Term (Tt)

Unlock your financial potential with Total Term (Tt), the key to lasting financial freedom. This innovative metric calculates how long your assets can support your current lifestyle, empowering you to make informed decisions for a secure future. Our latest blog post dives deep into the components of Total Term - Liquid, Qualified, Real Estate, and Business Term - providing insights into achieving a comfortable retirement. #FinancialFreedom #TotalTerm #RetirementPlanning

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Burn Rate (Br)
Benjamin Barnhart, CFP® Benjamin Barnhart, CFP®

Burn Rate (Br)

Unlock the secrets of your Burn Rate (Br) with our latest blog post. Learn the optimal Burn Rate for your income level and discover practical tips to manage your expenses, save smarter, and pave the way to financial freedom. Get ready to take control of your finances today!

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Debt Rate (Dr)
Benjamin Barnhart, CFP® Benjamin Barnhart, CFP®

Debt Rate (Dr)

Master your financial health by understanding your Debt Rate (Dr). Explore its role in your financial stability, factors influencing it, and strategies to manage it effectively.

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2023Q2 Market Insights: Mega Forces in Play
Benjamin Barnhart, CFP® Benjamin Barnhart, CFP®

2023Q2 Market Insights: Mega Forces in Play

2023Q2 - New quarter, new opportunities! 🚀 Join us for an exciting Q2 market review and a forward-looking investment outlook. We'll dive into robust tech earnings, calm VIX levels, and the major themes to guide the rest of the year. Plus, a personal update and info on the upcoming TD Ameritrade & Charles Schwab merger. #InvestmentStrategies #MarketOutlook #MegaForces

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Real Estate Term (Rt)
Benjamin Barnhart, CFP® Benjamin Barnhart, CFP®

Real Estate Term (Rt)

Your financial health depends on understanding your Real Estate Term (Rt) Score. Dive into our comprehensive guide and pave the way to a prosperous future.

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Debt Ceiling Deja Vu
Benjamin Barnhart, CFP® Benjamin Barnhart, CFP®

Debt Ceiling Deja Vu

As the "X-date" looms ominously without a resolution to raise the debt ceiling, investors are left pondering the potential fallout on their portfolios. Dive into our latest blog post, "Debt Ceiling Deja Vu," to learn more about the uncertain landscape and why sticking to a long-term, diversified investment strategy may be the best way to navigate these tumultuous times.

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Qualified Term (Qt)
Benjamin Barnhart, CFP® Benjamin Barnhart, CFP®

Qualified Term (Qt)

Uncover the importance of Qualified Term (Qt) as a critical financial vital sign, and discover how it impacts your retirement planning. Learn to balance assets, optimize savings, and make smarter financial decisions for a secure future.

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2022 Tax Day Tips
Benjamin Barnhart, CFP® Benjamin Barnhart, CFP®

2022 Tax Day Tips

Happy Tax Day! 💸💰🎉 As we wrap up the tax season, here are some essential things to keep in mind for your 2022 taxes. #TaxSeason #TaxTips #IRAs #TaxCredits #Deductions #EVTaxCredit #MichiganTax #TaxPlanning #CFP #EnrolledAgent #AvoidOverpaying #MoneyMatters 💰💬

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Silicon Valley Bank: What Happened?
Benjamin Barnhart, CFP® Benjamin Barnhart, CFP®

Silicon Valley Bank: What Happened?

Silicon Valley Bank's rapid growth, coupled with rising interest rates, caused a run on the bank and eventual collapse. Head over to the blog to cut through all the noise and hysteria for a quick four-minute synopsis of what happened and what it means going forward. Learn more here….

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Savings Rate (Sr)
Benjamin Barnhart, CFP® Benjamin Barnhart, CFP®

Savings Rate (Sr)

Learn about the Savings Rate (Sr) and its importance in your financial health in our latest blog post. Follow our series on financial vital signs for more insights on achieving financial wellness.

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Five Key Questions
Benjamin Barnhart, CFP® Benjamin Barnhart, CFP®

Five Key Questions

As we look ahead to 2023, several key questions need to be answered this year, as they will significantly impact financial markets. Here are five questions that we believe will be critical to watch …

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2022 Review + 2023 Outlook
Benjamin Barnhart, CFP® Benjamin Barnhart, CFP®

2022 Review + 2023 Outlook

The last quarter of 2022 has now come to a close, so let’s break down what moved markets over the previous year, how we were positioned, and our outlook for 2023.

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