Blog Posts

As a parent, you of course want to give your child the best opportunity for success, and for many, attending the "right" university or college is that opportunity. Additionally, the earlier you consider how you expect to pay for college costs, the better.

Today, the average college graduate owes $28,950 in debt, while the average salary for a recent graduate is $55,360.

Preparing for college means setting goals, staying focused, and tackling a few key milestones along the way—starting in the first year of high school.

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By Dena Fischer

Financial Infidelity is a term popping up more in conversation these days. As someone who experienced financial infidelity at one time in my life, the term may be new to me, but I’m now realizing it’s not so uncommon and I wasn’t alone.

What exactly is financial infidelity?

The common definitions are hiding money, lying about income or debt, or trying to hide out of control spending from your partner. With or without malicious intentions, you are deceiving your partner about financial practices and money habits. All of these can destroy trust in a relationship and once lost, just like physical infidelity, it is very difficult to rebuild that trust.

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By Jessica Searcy Kmetty

Maybe it’s a small action, like moving your Amazon packages to a room your spouse rarely visits. Or perhaps you use cash to buy that fast food meal so there’s no paper trail (throw those wrappers away, too!)

But is that ok?

Is this simply human behavior, or are these lies?

And what if it becomes more?

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Raising a child is expensive and can cost about a quarter of a million dollars, excluding college. For a child with special needs, that cost can more than double. If you’re the parent of a child with special needs, it’s vital to ensure your child will continue to be provided for after you’re gone. It can be difficult to contemplate, but with patience, love, and perseverance, a long-term strategy may be attainable.

Even though the financial costs may be a major factor in your caring and planning for a child with special needs, finances can seem like a small part or afterthought when it comes to also dealing with the emotional needs, physical needs, caregiver needs, and more that go along with making sure you, your family and your dependent are cared for in the best manner.

Let’s take a look at 4 important steps to protecting a child with disabilities:

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Income tax planning can be critical to your financial success. Navigating our complicated federal pay-as-you go income tax system can be difficult. Adding further complexity, you must understand and adapt to changes in tax laws and in your personal circumstances. In each tax year, it is important to ensure that you are properly paying your federal income tax liability in order to avoid penalties. Frequently, individuals may need to make estimated payments to avoid penalties for late payments and/or underpayments.

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Subcategories

Covering topics including personal and financial goals, financial freedom (retirement) planning, estate and asset conservation, insurance and tax needs to deliver a financial plan to help you acquire, grow and preserve your wealth.

Discussing investment strategies to acquire, grow and preserve wealth, risk, investment goals, asset allocation and portfolio management (which includes securities selection, trading, performance monitoring and responding to changes in the markets and the economy.)

Discussing topics of concern to physicians and medical professionals, including debt management, contract negotiations, asset protection, succession planning for your practice, insurance needs, and other professional and financial challenges. 

Multi-generational families face financial concerns coming from different viewpoints and backgrounds, including wealth transfer, family foundation planning, and continuity while addressing emotional and psychological perspectives of family members.

We help you identify your specific retirement goals and develop a plan and strategy that can help you achieve them.

By understanding what a successful retirement plan looks like to you and your company, we will help you assess your goals to keep your retirement plan on track to benefit your business and employees. The heavy-lifting of the plan management becomes our responsibility, leaving you free to focus on the management of your business. 

We are committed to quality, support, and ethical business practices so that our Overland Park firm will be your choice for financial advisement.

Searcy Financial helps clients choose an appropriate claiming strategy while addressing life changes, such as divorce and its effect on Social Security.

Addressing the issues and confusion associated with giving care to individuals with special needs, including understanding the prognosis, financial planning, navigating Special Needs Trusts, and asset protection. 

Discussing books, new and old, and why we find them valuable. 

Discussing issues related to engagements, marriage, divorce and remarriage. 

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