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Back to School is the Catalyst to Reboot

By Kevin Gibbons It’s August and the Back to School ads are in full force. Stores are quick to point out that Back to School isn’t just for students. That parents and professionals can stock up on office and school supplies at the same time as new and returning students. But there are other ways all of us can benefit …

Summer Plans

How Are Your Summer Plans Holding Up?

By Kevin Gibbons We are now at the middle of summer. Actually, we are probably past the middle. Back when I was in school, we didn’t start the school year until after Labor Day; but now school starts in mid-August, so we are past the midpoint for many families. So, how are you doing on your summer plans? I had …

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Sunday Morning Amazon Shopping Ritual

By Melissa Tosetti Last year I worked with a professor at a prominent university.  At the time he was working on a project outside of his work for the school. As part of his research, he ordered a lot of books on Amazon and realized he was spending $100 – $200 a week.  He decided to cut back on the …

Retirement Spending, Spending, Retirement, Financial Advisor, Spending Plan

Retirement Spending – Just Not All At Once

A Case Study by Melissa Tosetti The first year of retirement offers the majority of people more time and more money than they’ve ever had before. For Doug and his wife Suzanne, retirement came after a grueling final year of working for a government organization during a particular volatile-news covered crisis. The days were long and the breaks were few and far …

Shopping List

Family of Five – Saved $14,400/year

A Case Study by Melissa Tosetti Sarah was looking forward to going back to work after years of staying home with her three young children. She and her husband Stephen were eager for the extra income to get off the cycle they’d been in for the last few years of putting summer vacations and the holidays on their credit cards, paying …

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Groceries – Where to Shop?

By Melissa Tosetti I won’t drive cross-town to save $.10 on a can of corn, but I do find it worth my time to shop at two separate stores each week for my groceries and household supplies. I start by going to Safeway to take advantage of their great sales.  I then alternate going to Costco and Trader Joe’s. There …

Sandra Bullock

Celebrity Stylists Do It. So Can You!

By Melissa Tosetti The majority of celebrities work with a stylist to ensure they look fabulous for red carpet and other special events.  Stylists plan far in advance to find the right outfit for their client.  You can implement the same strategy for your next special occasion by planning in advance. At the beginning of each month, check your calendar …

20 Year Sprint

3 Tactics to Avoid the 20 Year Sprint

By Melissa Tosetti We live ridiculously busy lives!  I mean, RIDICULOUS! I used to think it was just those of us living here in Silicon Valley and the surrounding San Francisco Bay Area.  However, after working with clients all over the country, I’ve learned that the frenetic pace of life isn’t confined to Northern California. I’ve come to realize this …

Spring CLeaning 1

Financial Spring Cleaning

By Kevin Gibbons With spring bursting out (or imminent) across the country, now is the time for Spring Cleaning. But I’m not just talking about shaking our carpets, putting away comforters and storm windows. While you’re performing all those traditional seasonal rituals, set aside some time for financial spring cleaning. Now is the time to go through your routine, recurring …

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Swipe – Go – Not Know

By Melissa Tosetti You walk out of the store with your newly purchased item, thinking about everything you need to do when you get home.  Suddenly you realize that you have absolutely no idea how much money you just spent. Once again, you stood at the checkout counter, mindlessly swiped your card, grabbed your items and walked out the door. …