Bulldog Financial Planning

08/25/2026

Tired of advisors who only call when they want more of your money under management, to purchase an annuity product, or ‘consolidate’ at an affiliated broker dealer?
We’re different.

Remember, Patrick left to start Bulldog Financial Planning out of a passion for providing Fee Only financial planning where we do not receive commissions or compensation contingent upon the sale or purchase of a financial product.

He’s better off.

Hourly planning available
No asset minimum
Fiduciary on every single engagement

Advice when you need it, Investment management if you want it.

Stubbornly in your Best Interests

Investing Involves Risk.

08/18/2026

Tank, our Director of Customer Relationships, wanted me to remind everyone.

You shouldn’t have to hand over your entire portfolio just to get good advice. At Bulldog Financial Planning, every service is done as a fiduciary.

Need a one-time project or a second opinion?
We work by the hour without an assets under management requirement.

Prefer us to manage your investments?
We can do that too — but only if you choose.

Advice when you need it. Investment management if you want it.

Investing Involves Risk.

08/07/2026

Hope you are staying cool in this summer heat and remember:

At Bulldog Financial Planning, it’s never just about managed money—or where you keep your assets.

It’s about the human side: real people, real goals, and lasting relationships built on trust, just like the loyal spirit of Butch.

Every service we offer is delivered as a fiduciary making us stubbornly in your best interests, with no commissions or hidden agendas—honest, personalized guidance. Ready to plan with a partner who puts you first?

Let’s talk.

Investing Involves Risk of loss.

07/30/2026

07/30/2026

Tank, our Director of Customer Relationships, has been on the job for over a month now—and he’s already mastered some of the essentials: strategic door-guarding, high-level napping, thorough office inspections, and rigorous product testing (chew toys only).

He’s approved treats are necessary whenever going out or coming back from a walk.

Afterwards he slept through the market’s daily drama.

07/16/2026

CPI Announcement Information

June 2026 CPI was announced yesterday. The overall year over year CPI including Food and Energy was 3.5%, which was down from last month, May 2026, when CPI was 4.2%.

The spike in oil prices explains the changes to this inflation reading. Brent Crude Oil prices reached $114.44/barrel in May and are now back down to around $84.14/barrel. We all noticed that gas prices increased recently.

Inflation without Food or Energy remained under 3% at 2.6%. This is down from last month’s CPI without Food and Energy which was 2.9%. Typically, in financial planning, inflation is estimated to be around 2.5%-3% per year. Some categories like Health care are around 5%-6%.

Here are a few details about the recent CPI reports:

Energy – Year over Year CPI in June 2026 was 15.7%, down from 23.5% in May 2026.

Energy Commodities – (A subcategory of Energy that includes Oil and another subcategory gasoline.) Year over Year CPI inflation in June 2026 was 27.1%, down from 40.6% in May 2026.

Airline fares CPI was 26.5% for June 2026 and was the only other category that has a double digit increase year over year.

The good news is that energy prices disinflated enough to bring overall CPI including Food and Energy back below 4%. Year over Year Core CPI was down to 2.6% in June.

Oil prices are expected to drop some more, but there is the risk that oil prices will not continue to drop. If this is the case, the Fed under Powell may have felt pressure to maintain more restrictive monetary policy with the possibility of a rate hike; however, the Fed under Warsh is expected to utilize the ‘Trimmed Mean PCE ‘ inflation rate instead of CPI or PCE.

The Trimmed Mean PCE was 2.8% in May 2026. The next announcement is scheduled for July 30th.

https://www.dallasfed.org/research/pce/

While the Fed under Warsh is not expected to raise rates and may find room to cut before the end of the year, the Fed can always change their policy. There is no guarantee of a rate cut this year or that there will not be a rate hike.

Sources:

“U.S. Bureau of Labor Statistics, Consumer Price Index - "News Release Table 1, June 2026"
https://www.bls.gov/cpi/tables/supplemental-files/home.htm (Accessed July 15th 2026)

07/02/2026

Happy Upcoming Independence Day!

This is a big year for our country. I am feeling particularly patriotic.

America's 250th Anniversary is a great time to reflect on our country’s journey from a collection of colonies filled with people seeking religious freedom to an Independent nation founded on the principles of liberty, and no taxation without representation. (to name a couple)

American history has a lot of complexity, which I find interesting.

Benjamin Franklin's famous "Join, or Die" message reminds us of our Country’s survival story. The hat comes from Fredericksburg Virginia where there was a significant Civil War Battle.

250 years later, we get to celebrate our Nation’s freedom.

Have a safe and Happy Fourth of July this weekend!

BulldogFinancialPlanning

06/25/2026

🎓 Student loans are more than just a monthly payment—they're part of your overall financial plan.

Did you know that Bulldog Financial Planning can help you evaluate your student loan repayment options and develop a debt reduction strategy?

Whether you're balancing student loans with saving for retirement, buying a home, or planning to grow your family, Patrick can help coordinate your repayment strategy with your short and long-term financial goals.

Every situation is different. While financial planning can help identify opportunities and improve decision-making, results cannot be guaranteed. In some cases, debt levels or financial challenges may limit the available options. That's why seeking guidance early can be so important.

Stubbornly in your best interests

Send a message to learn more

06/23/2026

Hope you enjoyed the long weekend, brought to us by Juneteenth day.

Happy Father’s day to all of the Dads.

06/10/2026

📢 Official Announcement 📢

We're Hiring!

After a long search and extensive due diligence, I'm pleased to announce that our new Director of Relationship Management, Lentil, will be joining the team on Friday.

We hope for his safe arrival.

He will also serve as the Head of Bulldog Affairs, which means he has some pretty big paws to fill after Butch, but I have a feeling he'll find his own way to take over the house, the office, and everyone's hearts.

His responsibilities will include: • Snoring during meetings • Monitoring kitchen activity • Greeting visitors • Treat Taste Tester • Boosting office morale

Current qualifications: ✔️ Bulldog ✔️ Expert napper ✔️ Professional treat negotiator

Lentil will be taking on a new name after getting settled over the next few weeks.

Can you think of a good Bulldog name for him?