Blog

Should I Invest in Physical Gold to Hedge Against Disaster?

Gold has often been viewed as a store of value and a hedge against inflation or economic crisis. But when it comes to true disaster preparedness (natural disasters, infrastructure breakdowns, or system-wide economic failure) is gold the right asset to hold?

Michael Reynolds, CFP® | August 11, 2025

Can an HSA Be Used to Pay for Medicare Premiums?

What happens when you transition to Medicare? Can you still use your HSA? And more specifically, can you use it to pay for your Medicare premiums?

Michael Reynolds, CFP® | August 4, 2025

How to Find Unclaimed Money – A Step‑by‑Step Guide to Reclaim What’s Yours

Discover how to find and claim unclaimed money that may belong to you. Learn the steps to search state and federal databases for forgotten funds like old bank accounts, checks, and insurance payouts.

Michael Reynolds, CFP® | July 28, 2025

Should You Invest in International Stocks?

It’s easy to be attracted to U.S. stocks, especially after a long period of great performance. However, when we step back and look at the bigger picture, the case for international diversification becomes clearer and more compelling.

Michael Reynolds, CFP® | July 21, 2025

How Decluttering Your Finances Can Improve Your Life

Feeling overwhelmed by your financial life? Learn how decluttering your finances can reduce stress, improve cash flow, and help you align your money with your values.

Michael Reynolds, CFP® | July 14, 2025

Should I Invest the Funds in My HSA?

Health Savings Accounts (HSAs) are often misunderstood. Many people think of them as simply a place to park money for upcoming medical expenses. But HSAs can be much more powerful—especially when you consider the option to invest the funds.

Michael Reynolds, CFP® | July 7, 2025

How Do Gift Taxes Work?

Gift taxes are one of the most misunderstood areas of the U.S. tax code.

Michael Reynolds, CFP® | June 30, 2025

Original Medicare vs. Medicare Advantage Plans Explained

As you approach age 65, one of the most important—and often confusing—financial decisions you face is how to structure your Medicare coverage. Understanding the differences between Original Medicare and Medicare Advantage plans is essential for making an informed decision that aligns with your healthcare needs, financial situation, and lifestyle.

Michael Reynolds, CFP® | June 23, 2025

Home Equity Loan vs. HELOC – What’s the Difference and Which One Is Right for You?

Tapping into your home’s equity can be a helpful way to access funds for major expenses. However, choosing between a home equity loan and a home equity line of credit (HELOC) can be confusing.

Michael Reynolds, CFP® | June 16, 2025