Chisholm Financial

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Sackets Harbor, NY
Chisholm Financial

Take a step in your journey to financial freedom! Online financial planning from a Certified Financial Planner.

We work with you to structure your financial goals, strategies, and tactics that put you on a path to financial freedom. We offer fee-based financial planning, investment management, and divorce financial planning services. By combining the latest in financial technology tools and professional advice, we provide all services online.

05/03/2023

🎉 It's that time of the week again! Join us live on YouTube () every Friday at 10am for our weekly segment where we cover a topic for about 15 minutes and answer all your questions in real time. This week's topic is on state taxes - learn everything you need to know if you want to be on the path to financial freedom 💰 Don't forget to mark your calendars and tune in!

04/28/2023

Want to diversify your portfolio with index funds, but not sure which one to choose? 💼🤔

Total market index funds give you exposure to the entire U.S. equity market, including large, mid, small, and micro-cap stocks - meaning there can be thousands of companies in the mix. 📈💸

On the other hand, S&P 500 funds focus on the top 500 companies. 🏢💰

Both options have their pros and cons, so do your research before making a decision that's right for your portfolio! 🕵️‍♀️💡

04/27/2023

Thinking about leaving your money in the TSP after separating from federal service? 💰💼

While the TSP is the largest retirement plan in the world for civil service employees and uniformed personnel, it's important to consider all your options before making a decision. Here are some things to keep in mind:

🔹 Rolling your money out of the TSP can be difficult due to administrative issues, and there's no public tracking of funds.
🔹 While the TSP has low fees, other institutions like Vanguard, Fidelity, and Schwab offer index funds with very competitive expense ratios.
🔹 Transparency is key when it comes to managing your investments, so don't be afraid to demand more from those managing your money.

If you're satisfied with the TSP's level of service and lack of transparency, it may be suitable for you. But if you want more freedom and knowledge of where your money is invested, consider rolling your funds into an IRA or Roth IRA.

What are your thoughts on the TSP? Let us know in the comments!

04/25/2023

✨Adding an extra 10 years to your mortgage will only potentially reduce your payment by a small amount each month—but could add hundreds of thousands in additional interest charges.

👉🏻So, is it worth it? It's important to weigh the pros and cons before making a decision that could impact your finances for decades to come.

04/13/2023

💰 Investing in index funds is a great way to build wealth over time.

With lower fees and broad market exposure 📈, index funds offer benefits that actively managed funds can't match.

Plus, they are an easy and low-maintenance way to diversify your portfolio 🌟.

04/07/2023

Happy Friday!

Spring is finally here in the North Country! We spend much of this season outside preparing our garden.

One thing I’m constantly surprised by, is the more focus I put on living a full life—the better my business does. Some of my best ideas happen when I’m not in my office “doing work.” I realized after all these years, the best financial planners provide advice based on a holistic view of their client’s financial goals. And a holistic view requires me to have a life outside my business.

So, for me weekends are vital when it comes to tuning out the noise—the markets, news, and other daily inputs I have no control over. Especially during volatile markets with gloomy investor sentiment, I take a step back and focus on the things I can control and bring me joy.

It makes my life fuller, and in return I’m better financial planner and boss. 🐓

03/09/2023

I highly recommend the Bernie Madoff documentary on Netflix! Lot's of takeaways. For one, don't let an investment advisor sell you on an investment stretegy you don't understand! Financial Planning might be confusing becuase of regulation, but it is not rocket science 🚀
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02/24/2023

You can fund your Roth IRA for 2022 until the tax filing deadline this year!!! So technically, you can fund a Roth for 2022 and 2023 this year—and be sure you make Roth monies a part of your retirement plan!!

02/23/2023

“Advanced tactics are just doing the basics well.” -Leif Babin

Have you mastered the basics of financial planning?

02/13/2023

It’s only February, but spring is in the air in the North Country. My husband and I spent much of January powering down and getting our financial house in order for the years ahead.

We have some big dreams, all of which require financial discipline. But isn’t that the point? Without the hard work and right financial choices now, we don’t have a chance at the life we want to build for our future.

It’s still Q1. If you haven’t already , think about the year ahead—maybe even the decade ahead and think about the choices you should make to get where you dream to go.

You only live once—take control of what you want and get on the path!!

02/08/2023

Your future and the future, is local. If you want to make your life better and the world better, start where you live.

01/24/2023

Last week our YouTube live (YouTube: ) covered a few aspects of the Secure Act—passed end of 2022 —an update benefiting investors.

Two key benefits:

1) RMD age raised from 72 to 73.

2) Excess 529 monies can be rolled into Roth IRAs. (There are some limitations to be aware of before implementing this strategy.)

Follow our YouTube channel for more updates. This week we talk about the Netflix documentary on Madoff and what investors can learn from the largest Ponzi scheme in history. Tune in Thursday at 10am EST.

Address

Sackets Harbor, NY
13685

Website

https://chisholmfinancialplanning.com/

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