Blog Archive

Congratulations! You’ve found The One — the person who laughs at your jokes, tolerates your family, and said yes  to marrying you. You’ve conquered the hard part (finding each other) and survived the wedding planning process (which, statistically speaking, is more stressful than assembling IKEA furniture without instructions). Now it’s time for your next great adventure: combining your finances. Cue the dramatic music. Because nothing says “happily ever after” quite like deba

The One Big Beautiful Bill  has hit the tax world like a tidal wave. While high-income taxpayers can cheer at the temporary increase in the state and local tax (SALT) deduction, there’s a hidden trap lurking beneath the headlines—a tax “torpedo” that can blow a hole in your bank account if you’re not careful. Think of it as a financial booby trap: you see a treasure chest of deductions, but open it without planning, and—kaboom—your tax bill rockets higher than expected. What

One of the most common conversations I have with clients revolves around a simple but powerful question: Where does all the money go?  We work hard, we earn a good living, but at the end of the month the checking account seems to drain faster than we’d like. Often, the answer lies not in one large purchase, but in hundreds of small ones. This is what I call the “Starbucks dilemma”—spending more than we realize on coffee, meals, and convenience, while missing the opportunity t

For years, financial experts have warned us about the “Starbucks effect”—how small, repeated purchases can quietly drain our finances. But in today’s world, there’s a new culprit that deserves just as much attention: the Amazon Prime problem. Amazon Prime is a marvel of convenience. With free shipping, same-day delivery, and millions of products at our fingertips, it’s no wonder 200+ million people around the world subscribe. But the darker side of this convenience is how eas

One of the most common questions I hear from parents is: How can we afford college?  With tuition costs rising faster than inflation, preparing for higher education has become one of the biggest financial challenges for families today. The good news is that with the right strategy, you can harness the power of tax-free growth through 529 plans—and the earlier and more aggressively you start, the more dramatic the results. What Is a 529 Plan? A 529 plan is a tax-advantaged sav

Ah, the government shutdown—a phrase that can send shivers down the spine of even the most seasoned investor. It conjures images of furloughed employees, empty offices, and Washington, D.C., in a state of frozen chaos. But before you start envisioning your 401(k) being eaten by a giant bureaucratic monster, take a deep breath. A government shutdown is rarely the financial apocalypse it’s often made out to be. Let’s take a light-hearted stroll through what a shutdown really me

Money is one of the last real taboos in our culture. We talk about politics, relationships, and health far more openly than we do about...

Selling a business is often the culmination of years—or decades—of hard work. Whether you’re planning to retire, pivot into a new...

What the New Tax Law Means for You: Key Changes, Limits, and Opportunities Congress has passed a brand-new tax law—officially called the...

The Federal Reserve plays a crucial role in shaping the U.S. economy through its monetary policy decisions, particularly when it comes to...

When it comes to retirement accounts—especially Individual Retirement Accounts (IRAs)—few decisions are more important yet more...

Retirement planning is always about balance—ensuring your money lasts as long as you do, while still letting you enjoy the life you’ve...

A sweeping new tax bill—officially called the “One Big Beautiful Tax Bill”—has passed, bringing a mix of extensions, updates, and...

As you navigate the complexities of wealth management, philanthropy often emerges as a key component of a comprehensive financial plan....

Social Security is a cornerstone of retirement planning in the United States, providing vital income to over 66 million Americans....

Inheriting an Individual Retirement Account (IRA) can significantly impact your financial planning. Recent changes introduced by the...

When it comes to personal finance, one of the most common and important questions I hear is: “How much should I be saving from my...

As a financial advisor, I’ve worked with people from all walks of life—young professionals, retirees, business owners—and one thing...

If you’ve been watching the markets lately, chances are you’ve felt the pull of uncertainty. Volatility is back in the headlines, pundits...

You’re no stranger to the ebbs and flows of the market. However, one economic phenomenon that has consistently impacted the financial...

Market volatility is an inevitable part of investing, but when tariffs and trade disputes enter the equation, it can lead to heightened...

For many investors, a stock market downturn feels like a punch to the gut. You open your portfolio statement or log into your investment...

As an entrepreneur, starting a new business can be a daunting task. With so many factors to consider, it's essential to have a solid...

Are you tired of following expert retirement guidance and still feel unfulfilled? It’s time to try something else: the value exercise.

The dream of early retirement is enticing—sipping cocktails on the beach, spending carefree days with loved ones, or pursuing hobbies...

Cybersecurity is a defense strategy against a fast-evolving and increasingly challenging world of cybercrime. Hackers are adapting their...

Our next JDH Employee Spotlight features Ben Turner, our Associate Wealth Advisor. Ben leverages his adaptability and broad perspective...

Our aging parents often require help managing their affairs. It can be hard to find the right balance between maintaining their autonomy...

Our next JDH Employee Spotlight features Greyson Gibson, our Client Service Specialist. Greyson prides himself on a friendly attitude and...

The benefits of travel in your 50s and 60s go far beyond checking destinations off a bucket list. Are you curious to know why this stage...

Our first JDH Employee Spotlight features Shannon Carlton, our Head of Office Operations. Here, we get to know Shannon a little better....

Are you struggling with getting your adult child to move out? You're not alone. However, remember to also think about your own financial...

Traditional retirement strategies often focus on calculating future expenses, which seems sensible—after all, financial security is...

Discover the benefits of an antifragile retirement plan that survives market downturns and thrives, turning challenges into opportunities.

The world is always changing, and relying on one technology, investment, or crop is risky. History gives us many examples of the dangers...

Personal finances can be challenging to navigate. You have to expertly steer your debt and savings, especially when approaching...

Retirement taxes can significantly cut into your income, leaving you with less to live on. You can minimize these taxes during the golden...

What happens when Suzan turns 73 and must start taking the required minimum distributions?

The social security system isn't keeping up with the increasing life expectancy of Americans.

Personal financial accounts are an essential element of savvy money management. There are many types of these accounts, making it...