Does Your Financial Pile Spark Joy? A Guide to Tidying Up Your Wealth

Does Your Financial Pile Spark Joy? A Guide to Tidying Up Your Wealth

Does Your Financial Pile Spark Joy? A Guide to Tidying Up Your WealthRic Komarek, CFP®
Published on: 22/12/2025

Is your home office overflowing with old statements and mystery envelopes? It’s time for some financial spring cleaning. Here is a simple guide on what to keep, what to shred, and how to organize your financial life for peace of mind

Financial Planning
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