Timberchase Financial Wealth Brief

Families sometimes don’t track their finances at all, while others track income, bank balances, investment accounts, home values, or the performance of a particular asset. Those numbers matter, but they do not tell the whole story. The most comprehensive financial metric is net worth. Net worth is everything you own minus everything you owe. It is the simplest snapshot of where you stand financial...

Whether a long-term care insurance policy is right for you is really several questions under the same umbrella. “Do I need long-term care insurance at all?” “Should I keep the policy I already have?” “If someone has approached me about coverage now, which type of policy deserves consideration?” “And if the proposal is a paid-up policy, what exactly am I being asked to buy?” A useful place to begin...

If you step back and look at the long arc of human living standards, you may realize the baseline lifestyle of modern life is closer to paradise compared with almost all of history. For most of human history, the average person lived very close to the edge in squalid conditions. Links: Financial Planning in an Age of Abundance About Timberchase Financial Wealth Brief One smart money idea in five-i...

We have recently fielded questions about the new Trump Accounts for children. Many families with young children are asking the same question right now: Should I apply for one of these new Trump Accounts?  Links: Should I Apply for a Trump Account for My Child or Grandchild? About Timberchase Financial Wealth Brief One smart money idea in five-ish minutes. A calm, intentional take on financial plan...

At its core, tax-loss harvesting is a tax management technique: when part of a taxable portfolio is down, you may be able to sell at a loss, reinvest promptly, and potentially use that loss to reduce taxes. Done well, it can improve after-tax outcomes over time. Done poorly, it becomes an expensive and unintended drift into market timing.  Links: Tax Loss Harvesting About Timberchase Financial Wea...

A financial plan can be technically sound and still feel “off” if it doesn’t fit the people living inside it. That’s because money decisions are rarely just math. They’re tied to deeper emotional drivers—security, freedom, family, accomplishment, and meaning. Your money personality is the pattern behind those drivers: how you naturally think, feel, and act around money.  Links: Fluency + Interest:...

A financial plan can be technically sound and still feel “off” if it doesn’t fit the people living inside it. That’s because money decisions are rarely just math. They’re tied to deeper emotional drivers—security, freedom, family, accomplishment, and meaning. Your money personality is the pattern behind those drivers: how you naturally think, feel, and act around money.  Links: Your Money Personal...

If you’re searching things like “what to do before a divorce,” “how to protect myself in a divorce,” or “divorce financial checklist,” you’re probably in one of two places: You want this to be civil and efficient, or you can already tell it’s going to be contentious. In this video, we walk through the process of financial planning after a divorce. Links: Divorce Financial Planning - What to Do Now...

If you have recently lost a spouse—or you expect you may soon—this is for you. In the middle of grief, you can get forced into an administrative job you never applied for. Sometimes a feeling comes that administrative things must be done NOW. Sometimes this is true, and other times not. Links: A Financial Path for Widows (and Those About to Be) Does My Financial Advisor Have a Conflict of Interest...

A second home is a wish that comes from a healthy place: more time with the people you love. It also can introduce financial pressure. In this short video, we consider a practical framework that families can use to decide if a second home is worth exploring.  Links: Should I Buy A Vacation Home: Second Home Benefits and Cost About Timberchase Financial Wealth Brief One smart money idea in five-ish...

Are you looking to improve your financial plan? The sooner the better when it comes to achieving what you want. In this short video, we walk through a planning checklist where you can choose one thing to improve your financial life.  Links: 2026 Financial Planning Checklist Charitable Giving Strategies for 2025 and Beyond Cash Freedom Model Do I Need a Financial Planner? If you need a second opini...

Traditional budgeting sounds great—until you try to live with it. One partner wants spreadsheets, the other wants simplicity, and nobody enjoys friction over every purchase. The Cash Freedom Model can lower the temperature while raising clarity: you always know what you can spend and still stay on track with saving and investing. It also can steady the ride for irregular income so month-to-month s...

Looking to give smarter in 2025? Learn how new tax rules—including senior deductions, contribution thresholds, donor-advised fund strategies, and QCDs—can help you maximize your charitable impact while minimizing taxes. Links: Charitable Giving Strategies for 2025 and Beyond Article How the Government Can Subsidize your Charitable Giving Article About Timberchase Financial Wealth Brief One smart m...