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Wednesday, May 22, 2024

5/22 How Much Do You Need To Retire? A few years ago, there were ads from financial services companies asking, “What’s your number?” The number was the money you needed to retire comfortably. This was an effective way for financial...

Wednesday, May 8, 2024

5/8 Identity Protection Strategies – Are You Doing Enough To Keep Your Information Safe? There isn’t a week that goes by when you don’t read about some data breach. Safeguarding your personal information starts with understanding...

Tuesday, April 16, 2024

4/16 Create a Strategy to Protect Your Wealth with Potential Estate Tax Changes Looming At the end of 2025, portions of the Tax Cuts and Jobs Act (TCJA) are set to expire. Many changes will come with the sunsetting of many rules,...

Tuesday, April 2, 2024

4/2 Give Your Children the Gift of Financial Literacy Give your children the gift of financial literacy. They’ll thank you later! As a parent, you are well aware of your responsibility in helping your children grow up happy and healthy...

Tuesday, March 26, 2024

3/26 Investing in a Presidential Election Year As the presidential election race heats up, a common question on investors’ minds is, “How might the looming White House vote impact the markets?” Some may wonder if they...

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Tuesday, March 12, 2024

3/12 SECURE Act 2.0 Includes New Provision On Special Needs Trusts Experts estimate there are more than 44 million people with disabilities in the U.S., representing 13.4% of the population.1 Many parents of children with disabilities...

Monday, February 12, 2024

2/12 The Psychology of Love and Money Money can be a touchy subject, especially regarding our closest relationships. Whether we like it or not, finance plays an integral role in our partnerships, families, and friendships. So, how can...

Tuesday, February 6, 2024

2/6 Rules and Regulation Changes That Could Impact Your Finances in 2024 In the ever-evolving financial landscape, staying informed about the latest changes and potential implications for your retirement savings is crucial. Shifts in...

Wednesday, January 31, 2024

Why Financial Planning Matters Early in Life  Whether you are new to the workforce, starting a family, buying a home, or maybe that 401(k) or IRA you have been putting money into finally has a substantial amount in it, why should...

Tuesday, January 23, 2024

1/23 The Big Game Indicator and Other Unusual Economic Theories It’s a fun time of year for football fans. The NFL playoffs are starting, and the Big Game is just around the corner. While football fans will tune in for the...

Tuesday, January 9, 2024

1/9 Major Tax Changes Looming: Are You Ready? With the start of the new year, we wanted to discuss a topic that will likely garner attention throughout 2024: the potential sunsetting of the Tax Cuts and Jobs Act (TCJA) in 2025....

Monday, December 11, 2023

Your Child is Turning 18: Handling Healthcare, Academics, and Finances Together As your child blows out the candles on their 18th birthday, you may still see your baby girl or boy. But in the eyes of the law your child is considered a...

Monday, December 4, 2023

As we get ready to turn the page on 2023 and welcome the new year with all its possibilities, we’d like to take some time to reflect on the year that was—the notable events, trends, and developments that defined our...

Monday, November 20, 2023

If you or a loved one has been diagnosed with Alzheimer's disease or any other form of dementia, this can be an extremely challenging time. While promising new treatments are developing and research continues, a cure remains elusive....

Wednesday, November 8, 2023

Divorce is one of the most stressful life events. Even the most amicable splits can be complicated and emotionally draining. We likely all know couples who have gone through divorce, and it can be a trying time for everyone involved....

Wednesday, November 1, 2023

While we haven’t yet said goodbye to 2023, it’s not too early to begin thinking about any tax changes that may be on the horizon. The Tax Cuts and Jobs Act (TCJA) of 2017 was designed to overhaul the federal tax code by...

Friday, October 27, 2023

Does generative AI serve investors? Generative AI has been all the news during most of 2023.  It might surprise investors to know that AI has been embedded in financial services for longer than they may think.  In a CNN...

Tuesday, October 17, 2023

SECURE 2.0: Changes Going Into Effect in 2024 Passed in 2019, the SECURE Act was the most substantial retirement legislation in over a decade. It contained important changes designed to help investors save more and be better prepared...

Tuesday, October 3, 2023

Time to Think About Year-End Financial Strategies As we roll into fall and the fourth quarter, now is a good time to pause and reflect on proactive ways to set up your finances for 2024. Economically speaking, we are now in a much...

Tuesday, September 26, 2023

While artificial intelligence (AI) is making headlines today, the concept of "thinking machines" can be traced back to ancient philosophers and mathematicians. The phrase artificial intelligence was first used in the mid-20th century,...

Thursday, September 21, 2023

Do you have life insurance?   For most of us, the answer to that question might be “Yes, through my employer”. But do you know what the coverage amount is? Many experts recommended having 5-10x your annual income as a...

Tuesday, September 12, 2023

Social Security, the program you may have spent a lifetime paying into, is designed to offer stability, supplemental income, and other valuable benefits that can play a role in your overall financial strategy after you retire. We've...

Tuesday, September 5, 2023

If you ask the average investor which month is the most volatile for the stock market, they will probably say October. It's a reasonable answer, but it's incorrect. Despite October's reputation for market-defining events like the...

Tuesday, August 22, 2023

As financial professionals, we understand how vital it is to safeguard your personal and financial information. Unfortunately, in our increasingly digital world, cybersecurity risks, such as phishing attacks, have become a prevalent...

Wednesday, August 16, 2023

August; time for a check upBack to school is often a very busy time for many families.  A quick tune up on your finances may pay great dividends later with a few steps now.  Here are a few suggestions:As you get your kids...

Monday, August 7, 2023

You’ve done a great job teaching your children vital life lessons and instilling values that will last a lifetime. As summer ends and a new school year begins, one thing that shouldn’t be overlooked, especially for...

Tuesday, August 1, 2023

Changes are coming to the complicated form that students must submit to qualify for college financial aid, known as the Free Application for Federal Student Aid (FAFSA).The Department of Education is calling it the “most...

Tuesday, July 25, 2023

The 6 Biggest Mistakes DIY Investors Make and How to Avoid ThemBodyIntroductionOver the last several months, I have met with quite a few self-proclaimed do-it-yourself (DIY) investors who, after struggling with the markets in 2022,...

Friday, July 21, 2023

Asset rich and cash flow poor….for those soon to retire or retired               I became an advisor in 2009 in the heart of the financial crisis. ...

Tuesday, July 11, 2023

How the SECURE 2.0 Act Changed 529 PlansBodyChanges to 529 Plans in the SECURE 2.0 ActThe SECURE Act was initially passed by Congress at the end of 2019 and was intended to improve retirement savings opportunities. It was a big deal at...

Thursday, July 6, 2023

Health Savings Accounts: Pros, Cons, and Retirement ConsiderationsBodyWhat if your child needs braces? The cost may be as much as $6,000 for metal braces—more modern versions can run as much as $13,000. Your health insurance may...

Monday, June 26, 2023

Asset rich and cash flow poor…. “It never occurred to me to think of space as the thing that was moving.” Montgomery Scott I love quotes; sometimes a good quote gives me fresh eyes to consider some...

Thursday, June 22, 2023

Getting your affairs in order and outlining what you want done with your estate after you’re gone is one of the greatest gifts you can leave your loved ones. However, not preparing for the transfer of your assets can lead to...

Wednesday, June 14, 2023

Senior care costs can be overwhelming, particularly when long-term care is required due to illness or medical conditions. With the number of seniors in the U.S. expected to rise exponentially by 2030, it's crucial to be prepared for...

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...

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...