Financial Planning

Clayton Quamme, CFP

Why Your Savings Rate Matters

Why Your Savings Rate Matters   When a crisis hits, like COVID, people tend to save more money. As people get more fearful about the future, they are more likely to spend less and save more. As the crisis subsides and recovery takes place, people start spending more and saving less. So, how much should …

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AP Wealth Management Financial Advisors

What ‘taboo’ money topics should we be openly discussing?

What ‘taboo’ money topics should we be openly discussing?   When asked what we do, My wife (a marriage and family therapist) and I (a financial planner) tell folks that we play a very unique role in people’s lives. We spend many hours helping individuals and couples with topics that are traditionally taboo – marriage …

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Give The Gift Of The Lifetime Financial Solution™ This Holiday Season

Give The Gift Of  The Lifetime Financial Solution™ This Holiday Season   Looking for a gift that will truly benefit a loved one for the rest of their life? Consider the gift of financial planning, The Lifetime Financial Solution™ or LFS from AP Wealth. Since this is not your typical wrapped gift found under the …

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Clayton Quamme, CFP

Your Savings Rate Matters

Your Savings Rate Matters   It is vital to understand your financial metrics – your net worth, savings rate, withdrawal rate, tax rate, and more given your financial situation. In this article, we will look at the importance of your savings rate and how it impacts reaching your financial goals.   Your savings rate is …

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529 Education Savings Plans

529 Education Savings Plans   There have been some changes over the past few years for 529 plans, so with school starting it is a good time to revisit them. A 529 plan is a tax-advantaged education savings vehicle. The 529 plan is a great way to save for education costs such as tuition, fees, …

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What Does Financial Planning Involve?

What Does Financial Planning Involve?     Those who fail to plan, plan to fail. Financial planning is important for the same reason teams or performers need to plan or practice before playing a game or performing. The planning process helps prepare you for success as your family makes financial decisions every day. Unlike playing …

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What is a Financial Advisor?

What is a Financial Advisor?   Sound financial advice is as important to your overall health as good medical advice. Many people may not know exactly who to ask when it comes to getting quality financial advice. “Financial Advisor” is actually a generic term, which does not have a precise industry definition. Therefore, many financial …

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How to Choose a Financial Advisor

How to Choose a Financial Advisor   Sound financial advice is as important to your overall health as good medical advice. So, how do you find a good financial advisor? We understand how important it is to be able to trust the person managing your investments and financial future. We hope you glean a few …

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