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Thursday, May 25, 2023

Estate management can be a complex and daunting task for many people, but it’s a critical step in helping your assets get managed and distributed according to your wishes.One popular tool that can be used in estate strategies is...

Thursday, May 18, 2023

 Cash flow, keyman, and covenantsFor business owners, cashflow is the “blood” of your business’ circulatory system. As a fellow business owner; I understand the critical role cash and cash flow play...

Thursday, May 11, 2023

Economies move in cycles – always have, always willThe Federal Reserve has been steadily increasing interest rates in an attempt to slow the rate of inflation. Its efforts are yielding some results, although inflation remains...

Friday, April 28, 2023

What Factors Have the Greatest Impact on Your Credit Score?BodyFun fact: You probably have dozens of credit scores out there, and each one might be a different number. You’re probably familiar with a credit score, why...

Monday, April 17, 2023

Important Financial Considerations to Make When Remarrying Later in LifeBodyDiscussing personal finances is important for any couple preparing for marriage. However, this topic can be more complicated for those who remarry later in...

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Wednesday, April 12, 2023

Top Considerations to Help Adult Children Be Better Prepared As You AgeBodyAs we get older, it’s important that our adult children are prepared to manage any aging-related situations that may arise. This includes everything from...

Wednesday, April 5, 2023

Building your financial house is a lot like building your forever home People are often surprised to hear the two houses linked.But the two share far more similarities than most people think about….In both cases, a blueprint...

Tuesday, February 28, 2023

Does Your Money Work as Hard as You Do? I love working with entrepreneurs. I grew up in an entrepreneurial environment and decided to embrace our family legacy and become one again in 2015.  Entrepreneurs often influence...

Tuesday, January 24, 2023

The Overlap of Life                                                   Have you ever had a situation where...

Friday, December 16, 2022

If it’s too good to be true, it usually is!Over the fourth quarter, we want to share real "it's too good to be true" case studies with this Fiscal HarmonyTM community. Many of these stories have a genesis in market...

Wednesday, November 30, 2022

If it’s too good to be true, it usually is!Over the fourth quarter, we want to share real “it’s too good to be true” case studies with this Fiscal Harmony™ community. Many of these stories have a genesis...

Wednesday, October 26, 2022

If it’s too good to be true, it usually is!After more than a decade serving clients in the financial planning industry, I have heard a lot of heartbreaking stories. As advisors, we keenly understand how the lack of financial...

Wednesday, October 5, 2022

There are few things in life that break my heart more than elder abuse. Unfortunately, elder financial abuse is rapidly on the rise, and those most vulnerable can be easy targets.So often, the shame associated with these situations...

Friday, September 2, 2022

“Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver.”-Ayn RandWould you trust an entirely autonomous self-driving vehicle to safely transport you and your family to your...

Thursday, August 11, 2022

As we approach the notorious second anniversary that we will leave unnamed, I’m reminded of why we continue to follow our SCORE model of financial planning. By investing our time to understand your story and build cash flow...

Wednesday, June 29, 2022

Every day, we work with clients who are both investors AND human beings with real emotions. Those very real emotions can, at times, short circuit our decision making when our fight or flight response kicks in.As an investor who is also...

Friday, May 27, 2022

I am probably crazy, but I actually love the first quarter of the year. It is a time when I have the opportunity to connect with clients’ CPAs, attorneys, business strategists and key business leadership to get the whole picture...

Wednesday, April 27, 2022

“Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver.”– Ayn RandAs bonus season begins for our employee clients, we are often asked about paying off their house. My...

Friday, April 8, 2022

“You must gain control over your money, or the lack of it will forever control you.”-Dave RamseyEverything is cyclical. As markets rise and often conversely become turbulent, marketing efforts of various financial products...

Tuesday, March 1, 2022

Orchestrating Fiscal Harmony™,  Kelly Kunst CFP®Founder2021 Five Star Wealth ManagerOnce again, I am honored to be named a Five Star Wealth Manager by Texas Monthly. Nearly 4,000 Dallas-Fort Worth wealth managers...

Wednesday, January 26, 2022

“It takes as much energy to wish as it does to plan.”– Eleanor RooseveltIn my ten plus years in the industry, the number one problem I see repeatedly is investments with no actual plan. It feels a bit like a jigsaw...

Tuesday, December 28, 2021

Would John Williams have hired musicians for Star Wars before the score was completed? Do you know your SCORE?As 2021comes to a close, what are you most looking forward to in 2022? What 2021 accomplishments are you cheering and what...

Tuesday, November 30, 2021

What can you do to protect your financial information online? A few simple steps can make a huge difference fo you and your family!Far too often, the holidays bring not only joy but increased theft. Cyber theft and holiday scams seem...

Monday, November 1, 2021

What if you could make your money work harder AND help your passion philanthropic projects thrive?Sometimes, the daily news and social media feeds leave me feeling a bit dragged down. Does this happen to you? It’s in those...

Tuesday, September 28, 2021

Do you find you are working in the urgent, but not the important? How do you make decisions now that have a long-term impact?I like to call it “The Covey Conundrum” – that moment when the urgent tasks pile up and take...

Tuesday, August 31, 2021

Business ownership in the U.S. is on a tear! According to a CBS news article dated February 8, 2021, 4.5 million new business applications were filed in 2020. That’s a 24% increase over 2019.As a business owner, myself, I am...

Tuesday, July 27, 2021

Have you ever been on social media, and a random ad pops up for something you would never want or need? I know I have, and I always think, “I looked at hummingbird feeders to hang along my fence. Why would Facebook think I now...

Tuesday, June 29, 2021

From time to time, clients and colleagues ask me why I named my practice Fiscal Harmony.The name comes from my love and understanding of music and my desire to help my clients find a harmonious relationship with their money and...

Tuesday, May 25, 2021

Seven years ago, I was preparing to take the CFP exam. It was the culmination of a wonderful two-year learning experience that I knew would help me better serve clients.While my CFP studies were ending, I felt earning my certification...

Thursday, April 29, 2021

Recently, I remarked to a new client that I tended to think slowly. I’ve found that taking time to process helps me make more strategic decisions on a variety of fronts, including working with clients.After more than a decade...