Don't Just Watch the Fed: The Real Key to Understanding Mortgage Rates

Don't Just Watch the Fed: The Real Key to Understanding Mortgage Rates

Don't Just Watch the Fed: The Real Key to Understanding Mortgage RatesRic Komarek, CFP®
Published on: 10/10/2025

Confused why mortgage rates don't always follow Fed announcements? I'll show you the one indicator that gives a much clearer picture for your next home purchase or refinance

Financial Planning
Is the "Safety" of Cash Silently Costing You Your Retirement?

Is the "Safety" of Cash Silently Costing You Your Retirement?

Is the "Safety" of Cash Silently Costing You Your Retirement?

Ric Komarek, CFP®
Published on: 06/10/2025

Your cash feels safe, but it's losing buying power every day. Discover the two hidden risks of holding too much cash and how to make sure your money is truly working for you

Financial PlanningInvesting
The 529 Plan Reboot: How New Rules Make It a Super-Tool for Your Family

The 529 Plan Reboot: How New Rules Make It a Super-Tool for Your Family

The 529 Plan Reboot: How New Rules Make It a Super-Tool for Your FamilyRic Komarek, CFP®
Published on: 04/09/2025

Big news for education savings! Recent law changes have made 529 plans more flexible than ever. They can now be used for K-12 costs, skilled trades, and professional certifications. Here’s a breakdown of what you need to know

CollegeFinancial Planning
A Californian's Retirement Roadmap: Key Financial Ages You Can't Afford to Miss

A Californian's Retirement Roadmap: Key Financial Ages You Can't Afford to Miss

A Californian's Retirement Roadmap: Key Financial Ages You Can't Afford to MissRic Komarek, CFP®
Published on: 30/08/2025

Your guide to California's key financial ages. From Medicare at 65 to RMDs at 73/75, plus the crucial documents your adult kids need now

Financial Planning