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 …

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 …

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 …

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 …

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 …

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 …

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. …

The Savvy Way to use Your Tax Refund

By Kevin Gibbons Is it possible to have fun with your tax refund and still be financially responsible? One of the Savvy Habits we teach in our book and webinars is The 50/50 Rule. The 50/50 Rule states that whenever you get windfall income, whether from a tax refund, a work bonus, a gift, or finding cash on the sidewalk, …

Developing Money Management Habits in the Face of Chaos

By Melissa Tosetti Having worked with so many clients over the years I’ve noticed various patterns. Employees, miserable in their jobs, often decompress during their lunch hour by shopping on Amazon. However, C-Level executives miserable in their jobs, or at least highly stressed, do their Amazon decompression shopping using their phones, while laying in bed in the middle of the …

Mastering Cooking Through Basic Dishes

By Kevin Gibbons Some people enjoy cooking. Some people find it no more than the necessary chore to keep their family alive. I love cooking, creating and trying new recipes, trying to copy my favorite restaurant dishes, or just thinking up new twists on classic dishes. But even I sometimes don’t have the time or inclination to dive into a …