Better Financial Health in 15 Minutes (or less!)

We've talked several times about passwords and scammers and other parts of online security, but today we are talking about the impacts of those scams and how, despite our best efforts, your idenity still maybe compromised. What should you do if you think your information has been stolen or if you use services that have suffered a data breach? Stacey is here this week to tell you what to look...

We are nearing the end of Q3 and, although we may not quite be ready, we are also looking forward to the last quarter of the year. What does that mean for your personal financial situation? This week, Stacey is helping you take stock of where you are so you can make sure you end the year on a high note and proud of the progress you have made in your financial health in 2023.   Envision Financial P...

We've talked before about internet security and passwords, but today we're talking about the people who do the bad things with your personal information and some of the most common ways they are getting people right now. Most importantly, Stacey is sharing helpful tips for how to protect yourself against the bad guys.  Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis,...

This week, Stacey is discussing an article she recently read discussion when people make their best financial decisions. Are you at the prime age for making decisions and are you making those good decisions? Or are you younger than that age so you want to get ahead of the game? Maybe you have people in your life that you can help make better decisions now so they are best prepared for the future....

The new school year is underway and if you have older students, they are already thinking about graduation. While they are thinking about the fun things, you need to be thinking about the practical things like financial aid for college. This week, Stacey offers some tips and things to keep in mind as you're sorting through all of the options for grants, loans and scholarships to see what may...

It's back to school time and while that may mean a social media feed flooded with first day of school photos, it also means some kids are moving away from home for the first time. Stacey is here this week to remind us of some documents you should have for adult children to make sure both your child and you are able to access the information and care that maybe needed. No adult children in you...

One of the bond rating agencies recently downgraded US government debt and Stacey is here this week to discuss what this actually means to us as individuals and as a country. She also has some thoughts on how this could be avoided in the future and what you may want to keep in mind as we look to an election year.    Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (9...

It's August and we all know that once school starts, the rest of the year races by. Stacey is here this week to look back on the first half of the year and look forward to the rest of 2023.   Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States.  Advisory Services o...

One of the easiest ways to keep your personal information safe is to choose good passwords. But the downside of choosing good, strong passwords is that then you have to remember them all. Stacey is here this week with some tips to choosing strong passwords and also how to manage them all, it's not as complicated as you may think!  Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, M...

It's summertime which means if you have kids around, they are probably constantly asking for food and money. While we aren't the go to source for snacks, we do have some suggestions for how you use this opportunity to start talking to your kids about how to be responsible with money. It's never to early to educate kids on savings, giving and spending and Stacey offers some other top...

Have you heard of a backdoor roth, but you've never really known what it was or if you should take advantage of it? Well, you're in luck because this week, Stacey is explained what a backdoor roth is and who should consider doing one as well as who may not benefit from it.   Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication...

Have you been keeping an eye on the market lately? Some folks are seeing big gains and others are seeing more modest or no gains. Why is this happening and what should you consider doing because of the current situation? Stacey is here to give us an update and shed some light on how to make the most of the moment.   Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (9...

This week we are rerunning an episode that Stacey alludes to frequently- How to avoiod leaking money. It may seem obvious as to what you can cutback- fewer nights out, less travel, decrease shopping, etc; but there maybe some smaller places where money is slowly leaking out of you and you don't even realize the impact it is having on your finances. What are the things you are not enjoying or...

How many times a day do you use a password online? Dozens, maybe hundreds. How secure are you passwords and how careful are you about keeping your accounts secure? Stacey is here this week to offer some simple tips to help you make sure you are doing the most to protect yourself against online scams and those trying to steal your information.   Envision Financial Planning. 5100 Poplar Avenue, Suit...

It is likely that after a long respite, student loan payments will resume and Stacey is offering suggestions this week on how you can best prepare yourself and your budget to start making those payments again. Has your income changed? Have you moved? Listen up to hear all the things you can do now so that the transition back to repaying your debt is as painless as possible.  Envision Financial Pla...

Perhaps you're looking to diversify your portfolio and looking for options, but you're unsure of what's what and what you need to be looking for. Stacey is here this week to share some things to look for and, more importantly, look out for to see if the deal is more risky than you might want. She also shares more about "boring investments" and why those may not seem exciti...

Most of us have car insurance, but we don't think much about it on a regular basis. Additionally, you may have homeowner's insurance, but you haven't paid much attention recently to what your policy actually covers. Stacey is reminding us all about the details we maybe overlooking on our car/renters/homeowners insurance so that we make sure we are getting the coverage we need withou...

Some people are finding themselves looking to their 401k for cash in order to get themselves out from under debt or to help cover costs. This week, Stacey explains how much it can cost you over the long term to make that decision to cover short term expenses. Listen up to understand how and when to use 401k withdrawals and loans as a tool in your financial tool box, but also other options that mig...

A question Stacey receives often is what to do about high interest debt. Whether it's credit card debt, a car note or something else, many people are unsure of what to pay off and what to save. Stacey has some tips today to help you understand where you money will do the most work for you.   Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This c...

A topic that has been hot with our clients and in the news is the changes to the fees Federal Home Mortgage Association. If you just watch the news or scan headlines, you maybe thinking this is a penalty for those who have better credit. But, Stacey is here to explain the rest of the story and why this change may not be as impactful and scary as it sounds.   Envision Financial Planning. 5100 Popla...

We all hear about life insurance all the time. Chances are it's offered through your employer, you may see an ad on tv or get spam emails telling you about the great policy you can get in just one click. But most of us don't know all the details about what we actually need to be looking for in a life insurance policy or what type of coverage maybe best for our situation. Stacey is here t...

Today, Stacey is discussing a topic that has come up several times recently: beneficiary designations. Many people think if they have a will, they have everything taken care of, but that is not always the case as different types of retirement accounts, brokerage accounts, bank accounts, etc. allow for specific beneficiary designations. Stacey offers some insights into how those designations work w...

Stacey is back this week to talk about something FUN... summer vacation! What are the things you should think about before you book your first flight or reserve your first hotel room? Stacey has some suggestions for places to stay and things to keep in mind as you make your plans whether you are looking to travel domestically or internationally this fall. What's the best tip you have to share...

This week, Stacey is answering a question she has received from several listeners and clients lately... what's going on with the dollar and is the strength of the dollar? Listen up to hear her take on the situation, as well as what you should really be focusing on instead of this issue.   Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This comm...

Sometimes it seems like the good news in the markets is actually bad and the bad news is good. If unemployment is down, why is the market going down? If we see banks failing, why does the market go up? It seems counterintuitive and Stacey is here this week to help us understand why these things happen even if they don't make sense to us at first glance. She also shares how we can protect ours...