Blog

Revisiting Thankfulness

Revisiting Thankfulness

Blog“Revisiting Thankfulness"   In 2019, we highlighted the topic of Thankfulness leading into the Thanksgiving holiday.  Most of you will be reading this the day after enjoying your Thanksgiving turkey, but I still think there is value in revisiting some of the...

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SECURE Act 2.0 – What it Means

SECURE Act 2.0 – What it Means

Blog“SECURE Act 2.0 - What it Means"   In December 2019 Congress passed the Setting Every Community Up for Retirement Enhancement (SECURE) Act.  This was a bi-partisan bill designed to help Americans’ in preparation for their retirement years.  Some of the...

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Managing the Initial Years of Retirement

Managing the Initial Years of Retirement

Blog“Managing the Initial Years of Retirement"   The conventional view of retirement is changing.  Certainly, the age at which we retire, what we do during retirement years, and even how long retirement generally lasts look different than assumptions we made 15...

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Your Goals > Market Movements

Your Goals > Market Movements

Blog“Your Goals > Stock Market Movements"   Given all of the uncertainty surrounding this election week, I thought it was an important reminder that our personal (and long-term) financial goals are more important than short term stock movements.  The below is...

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The Insecurity Around Social Security

The Insecurity Around Social Security

Blog“The Insecurity Around Social Security"   Fires, viruses, civil unrest; will 2020 ever end?  With only two months left in the year coronavirus has officially claimed another victim: Social Security.  Due to the economic impact of Covid-19, the Social Security...

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How is my Credit Score Calculated?

How is my Credit Score Calculated?

Blog“How is my Credit Score Calculated?"   Many people live and die by their credit score and do everything humanly possible to improve it.  Others take a more passive approach by ensuring they pay off their credit card every month and trust they will be viewed...

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Don’t Live with Election Fear

Don’t Live with Election Fear

Blog“Don't Live with Election Fear" It seems to be all we hear about anymore.  What will November 3rd, 2020 produce for the next president of the United States?  Truthfully, with the amount of mail in ballots expected in this election, we may not know on November 3rd,...

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Thinking of Success

Thinking of Success

Blog“Thinking of Success"   One of the leaders in our RIA firm (Cambridge) posted on the idea of Success.  I wanted to share these thoughts with you this week.   Success is not a miracle. Nor is it a matter of luck. Everything happens for a reason, good or...

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A Simple Budgeting Alternative

A Simple Budgeting Alternative

Blog “A Simple Budgeting Alternative" I’m not sure I’ve ever met a client who genuinely got excited about the idea of creating and following a budget.  I think for so many people, a budget feels restricting and cumbersome to keep up with.  But, have you ever wondered...

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Themes for the Next Decade

Themes for the Next Decade

Blog “Investment Themes for the Next Decade" Let’s face it, 2020 has been a difficult year for so many.  Whether it was the Australian wildfires, the killer hornets, the California fires, or the COVID pandemic, we have had our fair share of tumultuous events.  From...

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Geographic Arbitrage – A Trend with Momentum

Geographic Arbitrage – A Trend with Momentum

Blog “Geographic Arbitrage - A Trend with Momentum"   Geographic Arbitrage (AKA geo-arbitrage) in its simplest format is when someone takes advantage of differences in cost of living between two geographic locations.  The concept is not something new or...

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Financially Preparing for a Child

Financially Preparing for a Child

Blog “Financially Preparing for a Child"   Having a baby is one of the most exciting times in a couple’s life.  Leading up to the birth, you read books, listen to podcasts, and put up with all of your friends and relatives giving you their random pieces of advice...

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4 Exercises for Better Money Habits

4 Exercises for Better Money Habits

Blog “4 Exercises for Better Money Habits" Do you ever find yourself wishing you had better money habits, but you just can’t seem to change your day-to-day actions?  Here’s the good news: It is absolutely within your control to transform your habits and become...

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Setting Your Children up for Retirement

Setting Your Children up for Retirement

Blog “Setting Your Children up for Retirement" For many people, setting their child up for success in the future is one of their responsibilities as a parent or guardian.  Setting them up for success comes in many different facets (think life skills, hard-work,...

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The Coronavirus Housing Boom

The Coronavirus Housing Boom

Blog “The Coronavirus Housing Boom"   If one thing is certain, we have all been spending more time in our homes over the past 6 months compared to the months and years prior.  While many sectors of the economy have been negatively impacted from the pandemic,...

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Why the Dow Jones is not a Great Benchmark

Why the Dow Jones is not a Great Benchmark

Blog “Why the Dow Jones is not a Great Benchmark"   It’s nearly impossible to tune into mainstream media outlets like CNBC without the Dow Jones Industrial Average (DJIA) being the focal point amongst stock indices. I, myself, am guilty of quoting the Dow’s price...

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Gifting Responsibly and Avoiding Taxes

Gifting Responsibly and Avoiding Taxes

Blog “Gifting Responsibly and Avoiding Taxes" Each year, the IRS sets a limit called the annual gift tax exclusion which determines how much you can “gift” to someone else and avoid paying any taxes.  For 2020, that annual exclusion amount is $15,000 (this can change...

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The Importance of a Health Savings Account

The Importance of a Health Savings Account

Blog “The Importance of a Health Savings Account" If the last few months are any indication, we can see that healthcare needs and associated expenses are truly an unknown quantity.  Healthcare costs can be a major stumbling block for both the young and elderly and...

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Trends in a Post-COVID World

Trends in a Post-COVID World

Blog “Trends in a Post-COVID World" Where is the stock market going from here?  Why has the market recovered so quickly?  If we don’t find a vaccine for the virus soon, will we see a huge drop in the market?  These are all common questions we are getting from clients...

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Money Lessons to Teach in High School

Money Lessons to Teach in High School

Blog “4 Money Lessons They Should Teach in High School" Growing up in America we are taught many valuable things in high school, but an area that has historically been ignored is personal finance.  While Chemistry is almost always on the curriculum (I haven’t had to...

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Stock Markets and Presidential Elections

Stock Markets and Presidential Elections

Blog “Stock Markets and Presidential Elections" While our post this week might not directly assist you in your quest towards financial independence, but it’s also fun to see how finances can play into so many aspects of our world.  If 2020 hasn’t already been eventful...

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When Should I Refinance My Mortgage?

When Should I Refinance My Mortgage?

Blog “When Should I Refinance My Mortgage?" This week’s post is a revamped version of a post from 2019.  With mortgage rates now at historic lows, we feel it is valuable to revisit this idea.   Everybody loves to save money, and since we are in a period of...

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ETFs vs. Mutual Funds

ETFs vs. Mutual Funds

Blog “ETFs vs. Mutual Funds" Exchange Traded Funds or ETF’s are fairly new on the investing scene, at least in relative terms.  ETF’s first came on the scene in 1993 while Mutual Funds have been around since the 1920’s.  Since ETF’s began, there is an ongoing debate...

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Tips for Lowering Taxes in Retirement

Tips for Lowering Taxes in Retirement

Blog “Tips for Lowering Taxes in Retirement" So many financial articles talk about the importance of saving for retirement and how much money you should have saved to retire comfortably.  While that is certainly an important topic, considering how these savings will...

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Van Gelder Financial

150 Whitestone Court

Johns Creek, GA 30097

Phone: 678-587-5880 |  800-257-1294

Email Ray

2897 North Druid Hills Road, Suite #196

Atlanta, GA 30329

Phone: 470-736-8931

Email Tony

Curious to know more?

We offer a free 30 minute introductory call for those interested in becoming clients with Van Gelder Financial.  During this call we will ask a lot of questions and answer any that you may have to ensure there is a match.

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