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Tax Refund? What to Do with It
Tax season can feel like a relief, especially if you’re expecting a refund. While it’s tempting to spend that refund on something fun, why not consider using it to strengthen your financial future? Pay Down Debt If you have high-interest […]Read More »Seven Habits of Financially Literate People
If you’ve ever wondered what makes some people truly financially literate, it’s not just about understanding your budget and investments. Financially literate investors understand that it’s all about setting goals, sticking to a plan, and being disciplined with how they […]Read More »The Importance of Offense and Defense in Challenging Markets
Concerns that a trade war will lead to a recession have spread around the globe. The possibility of retaliatory tariffs is on investors’ minds, with China responding with counter-tariffs, increasing the odds of a worst-case trade war scenario. Markets in […]Read More »Navigating Tariff Uncertainty and Ongoing Market Volatility
With the stock market back near correction territory due to tariff concerns, some investors may feel as if the market is stuck in a “Groundhog Day” loop. Fears of a trade war have kept markets choppy all year, with the […]Read More »The Impact of “Buy Now, Pay Later”
You’ve probably seen it at checkout—an option to buy what you want now and pay for it later in smaller chunks. It sounds great, right? No waiting, no credit card hassle, just easy installments. “Buy Now, Pay Later” (BNPL) services […]Read More »Market Swings & Your Portfolio: What Really Matters
What’s Happening Sure, all this can be scary when you see it dominating the headlines. Please know we are watching, we are waiting and we are being patient. We are prepared to take some risk off if our indicators tell […]Read More »Should You Consider a Roth Conversion This Year?
A Roth IRA offers a powerful way to create tax-free income in retirement, especially if it aligns with your long-term financial strategy. Since Roth IRA contributions are made with after-tax dollars, qualified withdrawals can be entirely tax-free, provided IRS requirements […]Read More »Is Market Risk Rising?
After reaching more new highs recently, markets have pulled back and gotten choppy. Let’s break down what’s happening and why it matters. What’s driving recent volatility? Concerns about the impact of inflation and tariffs on consumer sentiment are one major […]Read More »Feeling uneasy about the market?
It’s been hard to miss the wave of attention-grabbing headlines lately. News cycles have been dominated by concerns over Big Tech’s earnings, trade tensions, and a potential economic slowdown in 2025. Even seasoned investors can feel uneasy when faced with […]Read More »5 Important Tax Considerations for Your Financial Planning
Albert Einstein reportedly once told his accountant, “the hardest thing in the world to understand is income taxes.” This observation from the Nobel Prize-winning physicist remains relevant today, as our tax system has only grown more complex in the decades […]Read More »
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Jared S. Friedman CFP®
The Art of Financial Planning is a blog that focuses on financial planning and money management. I am a CFP® and work at Redwood Financial Planning. Learn more here.
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