Stalt Financial

Stalt Financial Short Term and Long Term Financial Planning Member SIPC 330 Whitney Ave # 600, Holyoke, MA 01040 (413) 539-2000.

Chris Ball is a registered representative of and offers securities and investment advisory services through MML Investors Services, LLC. Stalt Financial is not a subsidiary or affiliate of MML Investors Services, LLC, or its affiliated companies.

06/24/2026

Maxing our your credit cards...does not "help" your credit score.

Credit utilization matters, meaning the amount of credit you use compared to the credit available to you.

Using credit responsibly and keeping utilization lower is very different from running cards up to the limit.

06/19/2026

Saving for college starts with one big question:

How much do you actually want to fund?

From there, you can start looking at options like 529 plans and how they may fit into your overall financial picture.

06/17/2026

When you have a child, the legal documents matter.

A will. Guardianship. Powers of attorney.

These decisions are not always easy, especially when it comes to choosing a guardian, but having the documents in place can help make your wishes clear.

06/12/2026

Life insurance may not be the most exciting part of adulting, but it can be an important part of protecting the family you are building.

Timing, health factors, and underwriting can all matter, so it is worth having the conversation earlier rather than waiting until later.

Here at Stalt Financial, we are here to help answer your questions đź’™

06/10/2026

Preparing for a baby comes with a lot of questions.

What do we need to put in place? What should we update? What should we be thinking about financially?

A checklist will not cover every detail, but it can help you start thinking through the important pieces before the baby arrives đź’™

Check out our baby financial readiness guide: https://newfamilyfinancialguide.staltfinancial.com/

06/05/2026

When markets feel uncertain, the question comes up a lot: “Should I move to cash?”

At Stalt, the conversation is usually less about being all in or all out, and more about whether the level of risk still fits your plan, timeline, and comfort with volatility.

Small adjustments can matter more than emotional all-or-nothing moves đź’ˇ

06/03/2026

Continuing the hot topic of cash, holding cash can feel comfortable during uncertain markets.

But too much cash comes with trade-offs.

Inflation can reduce purchasing power over time, and sitting on the sidelines may mean missing other opportunities that fit your plan.

05/29/2026

“Emergency fund” makes it sound like cash is reserved for disasters.

But liquidity can also give you options!

It can help with unexpected expenses, a home down payment, investment opportunities, or other moments where quick access to cash matters.

05/27/2026

The “textbook” answer for an emergency fund is usually 3–6 months of expenses.

But the better answer is: it depends.

Your income, job stability, household structure, expenses, and business ownership all play a role in how much liquidity may make sense.

05/22/2026

Most people do not think deeply about their finances until life changes.

A new job. Marriage. A new baby. An inheritance. A loss in the family.

These moments often bring new questions, new decisions, and a need for a bigger-picture plan.

Address

5700 Crooks Road , Suite 212
Troy, MI
48098

Telephone

+12487334344

Website

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