Yes Life Financial

Yes Life Financial Yes Life Financial is a boutique financial coaching and investment management firm based in Richmond Probably not. We're like a GPS for your finances.

Voted best Financial Planner in Richmond, VA by Style Weekly
Voted best Financial Planner in Richmond, VA by Style Weekly
Could you imagine driving somewhere new without a GPS? We help you identify a destination and give you the turn by turn directions to get there. We work with you one-on-one to help you plan wisely so you can enjoy the smaller (and finer) things in life. We specialize in Tax & I

nvestment Advice, Retirement Planning, Estate Planning, Education Planning, Cash Flow Management, Budgeting, Debt Reduction, Credit management, and financial planning. We have a 100% personal client retention; no personal client at Yes Life Financial has moved their accounts to another firm. Yes Life Financial offers no products whatsoever.

12/29/2025

If you don’t have a background in finance or money management (like 😅 ) it’s real easy to fall for the personal finance “advice” you see here on social media.

I’m Cory, a financial advisor who explains money and investing in a way that the average person can understand. I manage over $20 million for real people without hacks, panic, or courses.

Make sure you’re following along for more content like this.

If you want a copy of my Year End Financial Checklist just comment “CHECKLIST” and I’ll send it over.

👉🏻 Follow for all things investing & personal finance.

👉🏻 Follow for all things investing & personal finance.

👉🏻 Follow for all things financial literacy and education.

🖋️ Cory

Disclosure: Investment advisory services offered through Yes Life Financial, a Registered Investment Advisor with the U.S. Securities and Exchange Commission. This material is intended for informational purposes only. It should not be construed as financial, legal or tax advice and is not intended to replace the advice of a qualified attorney or investment/tax advisor.

11/19/2025

Its not that you shouldn’t or can’t work on your finances in December

But ultimately you should be working towards focusing on spending more time and focus more on time and memories with family

These are important times.

Especially if you have young kids or aging parents.

Focus on the memories and you’ll still have 330 days a year you can work on your finances.

I promise its enough time to get it all done.

If you want a copy of my Year End Financial Checklist just comment “CHECKLIST” and I’ll send it over.

👉🏻 Follow for all things investing & personal finance.

👉🏻 Follow for all things investing & personal finance.

👉🏻 Follow for all things financial literacy and education.

🖋️ Cory

Disclosure: Investment advisory services offered through Yes Life Financial, a Registered Investment Advisor with the U.S. Securities and Exchange Commission. This material is intended for informational purposes only. It should not be construed as financial, legal or tax advice and is not intended to replace the advice of a qualified attorney or investment/tax advisor.

11/19/2025

🏡 Affordability is a problem and were looking for a solution

Often the most effective solutions are more complicated

Both the portable mortgage and the 50 year mortgage are solutions that won’t be complete

The banks will want a premium in the form of higher interest rates for these products

And people likely won’t want to trade off the higher rate for the “feature”

We need to solve the supply and demand issue for housing and these solutions dont do anything to supply while likely increasing demand.

That’s a recipe for even less affordability.

If you want a copy of my Ultimate 2025 Tax Guide just comment “TAX GUIDE” and I’ll send it over. The 2026 guide will be available in January.

👉🏻 Follow for all things investing & personal finance.

👉🏻 Follow for all things investing & personal finance.

👉🏻 Follow for all things financial literacy and education.

🖋️ Cory

Disclosure: Investment advisory services offered through Yes Life Financial, a Registered Investment Advisor with the U.S. Securities and Exchange Commission. This material is intended for informational purposes only. It should not be construed as financial, legal or tax advice and is not intended to replace the advice of a qualified attorney or investment/tax advisor.

11/18/2025

New limits are out for 401(k) and IRA contributions and income limits.

For your employer sponsored plans (401k, 403b, etc) the new limit is $24,500. That equals an increase of $1,000 per year.

The IRA limit (Traditional or Roth) limit: $7,500. That is a $500 increase over 2025.

If you wanted to do monthly contributions for a Roth it would be $625/month.

You do need to make sure that you are under the income limits. That phase out is capped for single income filers over $168,000 and for married tax filers its at $252,000.

If you earn more than those limits you can use a backdoor Roth option but need to be aware of the pro rata rule.

If you want a copy of my Ultimate 2025 Tax Guide just comment “TAX GUIDE” and I’ll send it over. The 2026 guide will be available in January.

👉🏻 Follow for all things investing & personal finance.

👉🏻 Follow for all things investing & personal finance.

👉🏻 Follow for all things financial literacy and education.

🖋️ Cory

Disclosure: Investment advisory services offered through Yes Life Financial, a Registered Investment Advisor with the U.S. Securities and Exchange Commission. This material is intended for informational purposes only. It should not be construed as financial, legal or tax advice and is not intended to replace the advice of a qualified attorney or investment/tax advisor.

Investing involves taking risks, but understanding those risks can help you make better decisions. The first bell curve ...
04/13/2023

Investing involves taking risks, but understanding those risks can help you make better decisions.

The first bell curve represents the return of the S&P500 over the past 100 years. As you can see the data fits very closely to a normal distribution (aka bell curve). The worst year was the Great Depression (1931) and was in the -40% range. Meanwhile the most frequent annual return over that 100 years fell in 20% range and that occurred 22 times in 100 years.

How many of you think you could have stayed with your investment strategy in 1931 if your portfolio was down 40%? I doubt many of you could have done it. What about in 2008 when the market was down over 30%? Would you have stayed the course?

The second bell curve represents the monthly return of Bitcoin(its no old enough to get a meaningful data set of annual returns). Bitcoin is often viewed as an alternative investment. 2 big things stand out from this data set.

1. The best period for bitcoin exceeded the best period for the stock market. This is unfortunately why so many individuals get sucked into bitcoin. They are chasing outsized returns. Americans are obsessed with getting rich quick.
2. The entire distribution has shifted left. Bitcoin is a significantly more volatile asset. You better have a strong stomach to hang out over here. My personal experience…I have yet to meet someone who has the same conviction about Bitcoin regardless of performance.

One important concept to know is the normal distribution of a data set. This means that most of the data falls within a certain range, and extreme values are less likely to occur. Key words…less likely. Not impossible. By understanding this, you can better estimate potential outcomes and make more informed investment choices. Remember to always do your research and understand the risks involved before investing!

Number 6 is the most important.Follow for more financial tips and guides.Please share. ❤️This is not investment or tax ...
12/09/2021

Number 6 is the most important.

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This is not investment or tax advice. For educational purposes only.

Twenty Twenty Two Tax ChangesCheck out all the tax changes for 2022. Changes to the limits for individual tax brackets,...
11/30/2021

Twenty Twenty Two Tax Changes

Check out all the tax changes for 2022.

Changes to the limits for individual tax brackets, Roth IRA income limits, child tax credit and more.

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This is not investment or tax advice. For educational purposes only.

Debit RewardsToo many people tell me they use credit cards for their purchases to get the rewards. The problem with the...
11/29/2021

Debit Rewards

Too many people tell me they use credit cards for their purchases to get the rewards.

The problem with the strategy is the rewards are very small (compared to the purchase amount) and if you make one misstep and have a late payment or interest charges, it typically makes the value of the rewards be entirely eroded. (Note this isn’t true for sign-up offers)

Now those individuals have a viable solution for earning rewards without risking falling into credit card debt.

Its called Fetch Rewards and you can check it out

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I think this is the biggest missed opportunity for most investors.They are TOO emotional. If you ever say “I feel” befor...
09/20/2021

I think this is the biggest missed opportunity for most investors.

They are TOO emotional.

If you ever say “I feel” before you tell somebody what you are investing in or not investing in, it’s a sign that you are investing with emotion and need to seek help.

That is all for today.

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Follow for more financial tips and guides.Please share. ❤️I have been evaluating clients spending for years and I have ...
09/19/2021

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I have been evaluating clients spending for years and I have recently seen a decrease in credit card spending but an increase in spending towards buy now pay later services like AfterPay, Affirm, Klarna, etc.

These services are no better for your finances than a credit card. Just like a credit card they lure you in with a 0% interest offer just to turn around and screw you with fees.

At the end of the day, I don’t think these services provide any value for any individual. People make arguments about credit card use for points and cash back….buy now pay later just introduces the opportunity to get screwed with fees.

If you don’t have the money to pay up front, the reality is that you probably shouldn’t be purchasing the item at all.

Follow for more financial tips and guides.Please share. ❤️The backdoor Roth IRA. It sounds super special but at the en...
07/14/2021

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The backdoor Roth IRA. It sounds super special but at the end of the day its pretty standard for most financial advisors.

If you have income above the income limits this is an option to invest tax advantaged dollars.

Be careful though. You want to avoid triggering a tax event so make sure you work with a professional or do you research to make sure you fully qualify.

Follow for more financial tips and guides.Please share. ❤️An annual physical with your doctor isn’t weird but for whate...
07/06/2021

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An annual physical with your doctor isn’t weird but for whatever reason we avoid doing an annual check in on our finances.

Don’t be the person who avoids the doctor (or your finances) until something is wrong. That is too late!

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2400 Old Brick Road
Glen Allen, VA
23060

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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