Image by Pixabay "Are we still on track?" This question has been surfacing more often lately, reflecting a growing unease—even among well-prepared households—that inflation may be shifting the financial ground beneath their long-term plans. For those in or approaching retirement, persistent inflation represents something personal. It's the grocery bill that makes you pause, the insurance renewal requiring a second look, the realization that your carefully constructed retireme

Explorers throughout history have stood at the edges of their maps, where the known world ended and cartographers wrote: "Here be dragons." You stand at such an edge now, except the territory before you isn't merely unknown—it's unprecedented. Things that have never been. This matters more than we usually acknowledge. Unknown territory might have been explored by others. Unprecedented territory has never been explored by anyone, ever. You're not following someone else's trail

As we approach the end of 2025 and the beginning of 2026, it is worth spending a little time thinking about what is important to you for next year. I picked these questions up at a wonderful workshop I attended a few years ago and have found them very useful. Before beginning a new year in full force, it can be supportive to complete and acknowledge the previous year. I hope that spending a few minutes with the following questions will help you complete the last year and st

Why the Smallest Gestures Often Mean the Most The most meaningful Christmas gift I ever received was a sticky note. Seven words, written in blue pen, stuck to my office door: "You made me brave enough to try." That's it. No explanation. No elaborate presentation. Just seven words from a client I'd worked with years earlier who happened to be visiting our building. She left it and disappeared before I could thank her. I still have that sticky note. It's been twelve years. Here

Remember when you got a singing fish wall plaque from your well-meaning aunt? Yeah, me too. Let's talk about how to not be that aunt.   Here's the thing about gifts: they're not just objects we wrap in pretty paper. They're messages we send to the universe (and more importantly, to people we care about) about how well we understand them and their journey.   As Wayne Dyer wisely stated, "When you change the way you look at things, the things you look at change." Let's apply th

Here's what most people get wrong about gratitude: they think it's a feeling that arrives with good fortune. But the Persian poets, ancient Stoics, and modern wisdom teachers understood something deeper. Gratitude isn't what you feel when things go right. It's what you choose when you take responsibility for finding meaning in whatever shows up. Rumi wrote, "Wear gratitude like a cloak and it will feed every corner of your life." Notice he didn't say wait until you feel grate

As part of our goal of supporting the local community, Purposeful Financial and Legacy Planning is once again partnering with Serve 6.8 to help provide toys and gifts for children in need. This Fort Collins charity expects to help over 4,500 struggling families this holiday season with food and gifts. There are 2 ways you can help: 1) Purchase a high need gift online (see list below) through Amazon and ship it directly to the Adopt-A-Family Toy Room at 5701 McWhinney Blvd. L

As 2025 winds down, it's time to review your financial picture and make strategic moves before December 31st. Here's what families should focus on this year-end. Maximize Tax Opportunities Year-end offers several time-sensitive tax strategies. Start by maximizing retirement contributions—$23,500 to your 401(k) for 2025, plus $7,500 if you're 50 or older. Consider Roth Conversions Year-end is an ideal time to evaluate Roth conversions. By converting traditional IRA dollars to

Image via Freepik We help clients make smart decisions about refinancing their mortgage. One of the most common questions we hear is, “Should I refinance?” A lower interest rate can sound appealing, but it doesn’t always mean you’ll save money in the long run. Our job is to help you see the full picture. We analyze your current loan, closing costs, tax implications, and long-term goals to determine whether refinancing truly benefits you. Sometimes the best financial move is t

Have you ever found an old book you used to love and opened it to find the magic still there, waiting for you? It's like running into an old friend and discovering that not only do you still click, but somehow the connection is even richer than before. I was reminded of this recently when I watched a woman rediscover her childhood roller skates in her parents' garage. "I probably can't anymore," she said, but tried them on anyway. Twenty minutes later, she was gliding down th

The Tax Cuts and Jobs Act of 2017 (TCJA) included lower federal income tax brackets, bigger standard deductions, and higher gift and...

Image via Freepik We help clients improve their investment performance. Research shows that working with a qualified investment advisor...

As autumn arrives with its brilliant transformation, fall offers us a natural invitation to reflect, prepare, and align our financial...

Answering Mary Oliver's Ultimate Question Mary Oliver's question haunts us in the most beautiful way: "Tell me, what is it you plan to do...

Image via Freepik High-interest debt on non-income producing purchases can quickly erode financial security. We assess the root causes...

Let's talk about your most underrated superpower: the ability to say no to what doesn't matter. Simplicity isn't just refreshing in a...

We see clients facing retirement's toughest money decisions every day. The shift from earning a paycheck to living off your savings...

Why Knowing What to Want Changes Everything "True life mastery is more a function of knowing what to want than knowing how to get what...

You can't schedule a rainbow. I was reminded of this recently when I got caught in a sudden downpour. As I ducked under an awning,...

Image by 3D Animation Production Company on Pixabay We help families figure out the best ways to save for college without breaking the...