Tax Time Tips Julie Murphy Casserly Note: 1) and 2) are about exemptions; 3) is about deductions; 4) and 5) are about 2012 1) Readjust your cash flow For example, so many people are getting cash flow crunched with rising costs. Well, when they see their tax return, if they are getting over $1500 back, [...]

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The season of giving….but not too much Julie Murphy Casserly, CFP® , CLU, ChFC We’re in the thick of things in the holiday shopping season, and we’ve all gifts on our brains. Macy’s has had holiday displays up for a while, and pretty soon we’ll start hearing Christmas music. All this leads up to the [...]

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Your financial upbringing:how childhood shapes your money habits Julie Murphy Casserly,CFP® The school year is well underway for millions of children around the country who are grappling with the difficulties of being  kids  – issues we adults can forget at times. Our problems – office politics, the mortgage, caring for aging loved ones – seem [...]

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Three steps to financial healing Julie Murphy Casserly CFP® When was the last time you focused on financial healing as a way to fix your money troubles? We’re always looking for an easy way out when we’re in too deep financially. But instead of a get-rich-quick scheme, I want to help you build long-term wealth [...]

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Achieving financial goals: remember the big picture Julie Murp[hy Casserly,CFP® When you’ve initially set a big personal goal, you feel a lot of excitement. We make huge strides towards achieving what we set out for; and we justifiably feel a ton of pride for what we accomplish. Sometimes, though, when we’re on our path towards [...]

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How women sabotage their relationship with money Julie Murphy Casserly, CFP® I’ve come to believe that most unhealthy financial behaviors result from emotional conflict or unrest within the individual. In a few short weeks we’ll be in February, the month of love. It’s the perfect time to understand how you might be sabotaging your relationship [...]

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Review your retirement strategies Julie Murphy Casserly As you approach retirement, many important decisions await you. If you have a qualified employer-sponsored retirement plan, whether it is a traditional pension or a defined contribution plan, such as a 401(k), you will have to decide how to manage the proceeds from the plan once you retire. [...]

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How much can you earn and still receive Social Security? Julie Murphy Casserly Retirees are often ready, willing, and able to start new careers that may earn them significant incomes. However, some individuals may feel that it is not worthwhile to work for wages, only to have to “give up” some of those earnings in [...]

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Lessons for the season of giving…and spending   Julie Murphy Casserly,CFP® During this season of giving, be mindful of the lessons you’ve learned these past three years in the recession.   I’ve already talked about saving for right now and the future and investing wisely. On the job front, I stressed to be prepared to [...]

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How Much Money You Really Need to Retire by Julie Murphy Casserly, CLU, ChFC, CFP® The recent downturn in the economy, and the current upswing, has taught us many important lessons. One of the more important lessons? We cannot put off saving for retirement because we never know what the future will bring. We are [...]

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Money Rules for Kids by Julie Murphy Casserly, CLU, ChFC, CFP® We all know that money does not grow on trees, nor does it fall from the sky. However, many parents are subconsciously teaching their children the exact opposite through their money behaviors. The sooner you erase this idea from your kids’ minds, the more [...]

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Financial Planning for Aging Parents by Julie Murphy Casserly Aging parents often have a difficult time managing their finances. As parents, they were used to taking care of you. But at some point, your parents are going to need your help with financial issues. If your parents are in their 60s or older, it may [...]

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Family Finances: Talking About Money by Julie Murphy Casserly As children, we probably learned that it was impolite to ask how much someone paid for something. These learning’s generally follow us into adulthood and make it difficult for us to talk about our money situations….with our financial planners, our friends and even our spouses and [...]

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What Your Children Should Know About Your Finances – by Julie Murphy Casserly Many parents may find it uncomfortable, or may believe it is unnecessary, to inform their children about their personal matters. Yet, communicating openly with your family can help everyone feel reassured about your financial and health care wishes. It can also ease [...]

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Back to School: Saving for College – by Julie Murphy Casserly According to recently released reports from the College Board, most students and their families can expect to pay, on average, from $108 to $1,398 more than what they paid in 2008 for this year’s tuition and fees, depending on the type of college. And [...]

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How To Budget For A Family Vacation – by Julie Murphy Casserly Position yourself to be lucky to spend the amount of money you actually have for vacation, instead of going into debt and later on having to pay for past choices. No one likes having what I like to call a “spending hangover”…it takes [...]

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Financial Discussions Before Marriage* Julie Murphy Casserly Financial problems have long been a trouble area in many marriages and the current economic crisis is stretching even more people to the emotional breaking point. The resulting frustration can certainly take a toll on marriages which is why it’s important to have financial discussions before walking down [...]

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Tax Time Tips for 2012 – by Julie Murphy Casserly, CFP®, CLU, ChFC The season of giving….but not too much – by Julie Murphy Casserly, CFP®, CLU, ChFC Financial upbringing: childhood shapes your money habits – by Julie Murphy Casserly,CFP® Three steps to financial healing – by Julie Murphy Casserly,CFP® Achieving financial goals: remember the [...]

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