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READ OUR LATEST INSIGHTS
29 Jul: Do You Own a Business — Or Do You Own a Job?
By John Bovard, CFP®
28 Jul: 2 Strategic Ways to Access Excess Cash
By John Bovard, CFP®
16 Jul: 529 Account vs. Trump Account: Which One Is Right for Your Child?
By John Bovard, CFP®
15 Jul: How Should You Invest Your Assets After the Sale of Your Business?
By John Bovard, CFP®
14 Jul: How Smart Tax Planning Can Unlock More EdChoice Scholarship Dollars for Your Ohio Family
By John Bovard, CFP®
08 Jul: Tax Preparation vs. Tax Strategy: Being Proactive Can Make A Huge Difference
By John Bovard, CFP®
01 Jul: Buy, Borrow, Grow: How Wealthy Individuals Use Their Assets to Fund New Investments
By John Bovard, CFP®
24 Jun: 3 Roth IRA Mistakes and How to Fix Them
By John Bovard, CFP®
18 Jun: The Three Biggest Retirement Concerns—and How to Address Them
By John Bovard, CFP®
10 Jun: You Made $500,000 This Year. Here’s Where the Money Actually Goes.
By John Bovard, CFP®
03 Jun: Will Your Money Last in Retirement?
By John Bovard, CFP®
27 May: People Who Build Wealth Do These 3 Things
By John Bovard, CFP®
06 May: Investment Income Tax – 3 Things to Consider
By John Bovard, CFP®
22 Apr: The Missing Piece in Asset Management – Asset Location
By John Bovard, CFP®
01 Apr: Direct Indexing Tax Benefits
By John Bovard, CFP®
21 Jan: What to Invest in to Grow Your Net Worth
By John Bovard, CFP®
15 Oct: First Four Components in Your Business Exit Strategy
By John Bovard, CFP®
08 Oct: Benefits of Adding a Roth Option to Your 401(k) Plan
By John Bovard, CFP®
24 Sep: Solo 401(k)s
By John Bovard, CFP®
20 Aug: Wealth Transfer Tactics to Cut Estate Taxes
By John Bovard, CFP®
13 Aug: Avoiding Fiduciary Risk: What Every 401(k) Plan Sponsor Should Know
By John Bovard, CFP®
07 May: 401(k) Plan Participation
By John Bovard, CFP®
30 Apr: Diversifying Beyond the Stock Market
By John Bovard, CFP®
16 Apr: 7 Fundamentals of Smart Money Management
By John Bovard, CFP®
02 Apr: Liberation Day: President Trump’s Announcement on Reciprocal Tariffs
By John Bovard, CFP®
26 Mar: Bracketology of Investing: Building a Winning Portfolio
By John Bovard, CFP®
19 Mar: Understanding Your 1099 Composite: Key Insights for Investors
By John Bovard, CFP®
12 Mar: Market Corrections: Understanding the Cycle and Staying Steady
By John Bovard, CFP®
26 Feb: Maximizing Your 401(k) Plan: A Financial Review Checklist
By John Bovard, CFP®
12 Feb: How Can Advisors Support 401(k) Participants?
By John Bovard, CFP®
05 Feb: Retirement Plan Options for Business Owners
By John Bovard, CFP®
15 Jan: New Year Financial Planning
By John Bovard, CFP®
04 Dec: Little-Known Facts and Features of Company 401(k) Plans
By John Bovard, CFP®
20 Nov: The Importance of 401(k) Plan Reviews
By John Bovard, CFP®
30 Oct: Investing During an Election Year
By John Bovard, CFP®
23 Oct: Understanding Taxes on Inherited Assets
By John Bovard, CFP®
28 Aug: How Can a Financial Advisor Help You Benchmark Your Company 401(k) Plan?
By John Bovard, CFP®
07 Aug: Inherited IRA Basics: Options, Rules & Tax Consequences
By John Bovard, CFP®
19 Jun: 10 Items Involved in Financial Coaching
By John Bovard, CFP®
15 May: Investing in Gold
By John Bovard, CFP®
10 Apr: Best Ways to Conduct Research on a Specific Sector
By John Bovard, CFP®
03 Apr: How Can Direct Indexing Help Stock Portfolios
By John Bovard, CFP®
06 Mar: Factors to Consider when looking to Build a Home
By John Bovard, CFP®
21 Feb: Should you list your Business in a Trust?
By John Bovard, CFP®
01 Feb: Costs of Operating a 401(k) Plan
By John Bovard, CFP®
06 Dec: Benefits of Long Term Investing
By John Bovard, CFP®
15 Nov: How to Find Businesses for Sale
By John Bovard, CFP®
24 Oct: Cash Balance Plans
By John Bovard, CFP®
27 Sep: What is a Safe Harbor 401(k) Plan?
By John Bovard, CFP®
19 Jul: What are the Roles of a 401(k) Plan Advisor
By John Bovard, CFP®
18 Jul: Responsibilities of a Retirement Plan Trustee
By John Bovard, CFP®
12 Jul: What is an Accredited Investor?
By John Bovard, CFP®
05 Jul: What is Private Equity?
By John Bovard, CFP®
14 Jun: Spousal Lifetime Access Trusts (SLATs)
By John Bovard, CFP®
06 Jun: Investing in Uncertain Times
By John Bovard, CFP®
26 Apr: Office Real Estate – The Next Shoe to Drop?
By John Bovard, CFP®
19 Apr: Financial Capability Beyond April
By John Bovard, CFP®
12 Apr: April Market Commentary
By John Bovard, CFP®
05 Apr: How Do You Create Lasting Wealth?
By John Bovard, CFP®
27 Mar: How should you invest your assets after the sale of your business?
By John Bovard, CFP®
15 Mar: March Market Commentary: Why Aren’t Rate Hikes Working
By John Bovard, CFP®
08 Feb: February Market Commentary
By John Bovard, CFP®
25 Jan: Avoiding the Big Retirement Risks
By John Bovard, CFP®
11 Jan: Performance Chart for 2022
By John Bovard, CFP®
10 Jan: January Market Commentary
By John Bovard, CFP®
05 Jan: 529 Plan Rollover to a Roth IRA
By John Bovard, CFP®
03 Jan: Tuning Up Your Portfolio for 2023
By John Bovard, CFP®
28 Dec: 3 Keys to Retiring in 2023
By John Bovard, CFP®
22 Dec: Year-End Checklist
By John Bovard, CFP®
20 Dec: What are the effects of Declining Interest Rates?
By John Bovard, CFP®
07 Dec: 401k Plans aren’t just for Retirement, but Starting Early Matters
By John Bovard, CFP®
22 Sep: FAANGs Gone Value
By John Bovard, CFP®
10 Aug: August Market Commentary
By John Bovard, CFP®
03 Aug: Earnings Report Recap
By John Bovard, CFP®
02 Aug: Inflation, the Fed, and Recession are not Linear.
By John Bovard, CFP®
27 Jul: Retiring in a Volatile Market: Control What You Can
By John Bovard, CFP®
12 Jul: Turning the Bear Market into a Goldilocks Moment
By John Bovard, CFP®
23 Jun: What Just Happened? The Fed Increases Velocity and Accepts Reality
By John Bovard, CFP®
14 Jun: It’s Not About Inflation, It’s About Volatility
By John Bovard, CFP®
22 May: Retirement Plans For Small Business Owners
By John Bovard, CFP®
17 May: Are Fed Actions Working? Parsing the New Data
By John Bovard, CFP®
04 May: Berkshire Hathaway Annual Meeting 2022
By John Bovard, CFP®
30 Mar: Investing During Uncertain Times
By John Bovard, CFP®
22 Mar: The Federal Reserve vs. Inflation: Round One
By John Bovard, CFP®
14 Mar: Investing Moves to Make Now
By John Bovard, CFP®
07 Mar: February Market Commentary: Action and Reaction
By John Bovard, CFP®
14 Dec: Should You Buy Your Home or Just Rent It?
By John Bovard, CFP®
09 Dec: November Market Commentary
By John Bovard, CFP®
26 Nov: Managing Investments Means Managing Your Emotions
By John Bovard, CFP®
26 Oct: Stock Options: An Owner’s Manual
By John Bovard, CFP®
06 Oct: Direct Indexing – The Tax Savvy Investment Strategy
By John Bovard, CFP®
20 Aug: Market Analysis
By John Bovard, CFP®
06 Aug: Using Your Investment Account to Borrow
By John Bovard, CFP®
11 Jul: The Self-Directed IRA
By John Bovard, CFP®
03 Jun: Best Books About Money
By John Bovard, CFP®
20 May: Inflation is Rising, Here is Where You Can Look to Invest
By John Bovard, CFP®
10 Mar: Studying Berkshire Hathaway’s Annual Letter
By John Bovard, CFP®
24 Feb: Would a $15 Minimum Wage Work?
By John Bovard, CFP®
17 Feb: Investing in Disruptive Innovation Part 1
By John Bovard, CFP®
04 Feb: Instead Of Picking Stocks – Do These 3 Things First
By John Bovard, CFP®
15 Jan: IRS Enrolled Agent – Tax Planning
By John Bovard, CFP®
06 Jan: Set It & Forget It – Automate your finances
By John Bovard, CFP®
16 Dec: The Gift That Keeps on Giving
By John Bovard, CFP®
02 Dec: Bitcoin: Is It Time To Take It Serious?
By John Bovard, CFP®
21 Oct: Market Returns During U.S. Election Years
By John Bovard, CFP®
08 Oct: Triple Tax Advantage – Health Savings Accounts
By John Bovard, CFP®
23 Sep: Depreciation: A Tax Benefit to Real Estate Investing
By John Bovard, CFP®
31 Jul: Big Tech Plows Forward
By John Bovard, CFP®
23 Jun: Emergency Fund: Where to put the money and how much?
By John Bovard, CFP®
05 Jun: Tactical shifts for your portfolio
By John Bovard, CFP®
29 May: Has the market fully recovered?
By John Bovard, CFP®
12 May: A Defensive Investment Strategy
By John Bovard, CFP®
20 Mar: Is now the right time to buy stocks?
By John Bovard, CFP®
29 Jul: Do You Own a Business — Or Do You Own a Job?
By John Bovard, CFP®
15 Jul: How Should You Invest Your Assets After the Sale of Your Business?
By John Bovard, CFP®
14 Jul: How Smart Tax Planning Can Unlock More EdChoice Scholarship Dollars for Your Ohio Family
By John Bovard, CFP®
08 Jul: Tax Preparation vs. Tax Strategy: Being Proactive Can Make A Huge Difference
By John Bovard, CFP®
01 Jul: Buy, Borrow, Grow: How Wealthy Individuals Use Their Assets to Fund New Investments
By John Bovard, CFP®
24 Jun: 3 Roth IRA Mistakes and How to Fix Them
By John Bovard, CFP®
18 Jun: The Three Biggest Retirement Concerns—and How to Address Them
By John Bovard, CFP®
10 Jun: You Made $500,000 This Year. Here’s Where the Money Actually Goes.
By John Bovard, CFP®
03 Jun: Will Your Money Last in Retirement?
By John Bovard, CFP®
13 May: 513 Day – The Mount Rushmore of Cincinnati Business
By John Bovard, CFP®
29 Apr: 3 Most Important Factors in Business Valuation
By John Bovard, CFP®
15 Apr: What a Strong 2025 Means for Your Estimated tax Payments in 2026
By John Bovard, CFP®
08 Apr: The S Corp Tax Surprise Most Business Owners Don’t See Coming
By John Bovard, CFP®
25 Mar: Stress Testing Your Exit Proceeds
By John Bovard, CFP®
04 Mar: Building Tomorrow Together
By John Bovard, CFP®
28 Jan: How Small EBITDA Adjustments Can Add Millions to Your Exit
By John Bovard, CFP®
05 Nov: Avoiding Common Mistakes in Exit Planning
By John Bovard, CFP®
29 Oct: Four Exit Options
By John Bovard, CFP®
22 Oct: Preparing to Exit – Owner Dependency
By John Bovard, CFP®
15 Oct: First Four Components in Your Business Exit Strategy
By John Bovard, CFP®
08 Oct: Benefits of Adding a Roth Option to Your 401(k) Plan
By John Bovard, CFP®
24 Sep: Solo 401(k)s
By John Bovard, CFP®
17 Sep: What Happens to Your Business If Something Happens to You?
By John Bovard, CFP®
03 Sep: How To Coordinate Your Tax, Legal, and Investment Advisors
By John Bovard, CFP®
13 Aug: Avoiding Fiduciary Risk: What Every 401(k) Plan Sponsor Should Know
By John Bovard, CFP®
06 Aug: Exit Planning Mistakes That Could Cost You
By John Bovard, CFP®
28 May: How to Turn Your Business into a Retirement Asset
By John Bovard, CFP®
21 May: What’s in the GOP’s Proposed Tax Bill?
By John Bovard, CFP®
14 May: Why Personal Financial Planning Is Crucial in ETA
By John Bovard, CFP®
05 Mar: Understanding SEP IRAs: A Smart Retirement Plan for Business Owners
By John Bovard, CFP®
26 Feb: Maximizing Your 401(k) Plan: A Financial Review Checklist
By John Bovard, CFP®
19 Feb: Understanding SIMPLE IRAs: A Retirement Savings Option for Small Businesses
By John Bovard, CFP®
12 Feb: How Can Advisors Support 401(k) Participants?
By John Bovard, CFP®
05 Feb: Retirement Plan Options for Business Owners
By John Bovard, CFP®
17 Dec: A Blueprint for Building Billion-Dollar Enterprises
By John Bovard, CFP®
04 Dec: Little-Known Facts and Features of Company 401(k) Plans
By John Bovard, CFP®
20 Nov: The Importance of 401(k) Plan Reviews
By John Bovard, CFP®
13 Nov: Important Deal Documents in a Business Sale
By John Bovard, CFP®
16 Oct: Transaction Timeline When Selling Your Business
By John Bovard, CFP®
28 Aug: How Can a Financial Advisor Help You Benchmark Your Company 401(k) Plan?
By John Bovard, CFP®
14 Aug: Seller Discretionary Earnings (SDE) and Its Applicability
By John Bovard, CFP®
24 Jul: Tax Planning During the Sale of Your Business
By John Bovard, CFP®
26 Jun: Crafting a Successful Business Exit Strategy
By John Bovard, CFP®
12 Jun: What is Discounted Cash Flow?
By John Bovard, CFP®
06 Jun: What Accounting Systems should a Business Owner Consider?
By John Bovard, CFP®
08 May: Cybersecurity Risks
By John Bovard, CFP®
24 Apr: States with No Income Tax
By John Bovard, CFP®
17 Apr: How to use a Sales Funnel
By John Bovard, CFP®
10 Apr: Best Ways to Conduct Research on a Specific Sector
By John Bovard, CFP®
27 Mar: Confidential Information Memorandum
By John Bovard, CFP®
20 Mar: Indication of Interest
By John Bovard, CFP®
13 Mar: Requirements for Business Loan Approval
By John Bovard, CFP®
21 Feb: Should you list your Business in a Trust?
By John Bovard, CFP®
06 Feb: Understanding Leveraged Buyouts
By John Bovard, CFP®
01 Feb: Costs of Operating a 401(k) Plan
By John Bovard, CFP®
24 Jan: Improving Operational Efficiency in Your Business
By John Bovard, CFP®
27 Dec: How to Manage Overhead Expenses
By John Bovard, CFP®
20 Dec: Key Performance Indicators for Small Businesses
By John Bovard, CFP®
13 Dec: Benchmarking Your Business
By John Bovard, CFP®
12 Dec: Selling Your Business with No Regrets
By John Bovard, CFP®
22 Nov: Non-Qualified Deferred Compensation Plans
By John Bovard, CFP®
15 Nov: How to Find Businesses for Sale
By John Bovard, CFP®
08 Nov: What are some ways Small Businesses can Innovate?
By John Bovard, CFP®
07 Nov: Selling a Distribution and Manufacturing Business
By John Bovard, CFP®
02 Nov: Qualified Business Income (QBI)
By John Bovard, CFP®
25 Oct: What is a Seller’s Note?
By John Bovard, CFP®
24 Oct: Cash Balance Plans
By John Bovard, CFP®
18 Oct: Unique Ways to Structure an Acquisition
By John Bovard, CFP®
11 Oct: Succession Planning for Business Owners
By John Bovard, CFP®
04 Oct: Non-Financial Metrics that a Business Owner should Consider?
By John Bovard, CFP®
27 Sep: What is a Safe Harbor 401(k) Plan?
By John Bovard, CFP®
20 Sep: Private Equity Firms: Criteria for companies they may invest in
By John Bovard, CFP®
13 Sep: What is a Business Rollup Strategy?
By John Bovard, CFP®
07 Sep: Profit Margins in Service-Based Businesses
By John Bovard, CFP®
29 Aug: Using an Investment Thesis to Purchase a Business
By John Bovard, CFP®
23 Aug: Benefits of Family Owned Businesses
By John Bovard, CFP®
16 Aug: How to Establish a Line of Credit for Your Company
By John Bovard, CFP®
08 Aug: Business Valuation
By John Bovard, CFP®
02 Aug: How to Source a Business Acquisition
By John Bovard, CFP®
26 Jul: How to Determine the Value of a Business
By John Bovard, CFP®
19 Jul: What are the Roles of a 401(k) Plan Advisor
By John Bovard, CFP®
18 Jul: Responsibilities of a Retirement Plan Trustee
By John Bovard, CFP®
28 Jun: Obtaining a Fortress Balance Sheet
By John Bovard, CFP®
21 Jun: How to Ask for a Price Increase to Customers
By John Bovard, CFP®
07 Jun: Interest Rate Impacts on Small Businesses
By John Bovard, CFP®
03 May: Do Not Forget About CAPEX
By John Bovard, CFP®
26 Apr: Office Real Estate – The Next Shoe to Drop?
By John Bovard, CFP®
28 Mar: Preparing to Sell Your Business
By John Bovard, CFP®
27 Mar: What is the role of a Financial Advisor in managing your Company 401k?
By John Bovard, CFP®
27 Mar: How should you invest your assets after the sale of your business?
By John Bovard, CFP®
14 Mar: Owning and Operating Penn Station Franchises
By John Bovard, CFP®
22 Feb: 8 Steps in Writing a Business Plan
By John Bovard, CFP®
15 Feb: Setting Your Business Strategy for 2023
By John Bovard, CFP®
14 Feb: Owning and Operating an Executive Search Firm
By John Bovard, CFP®
31 Jan: Purchasing and Operating a Dental Practice
By John Bovard, CFP®
19 Jan: Key Focus Areas – Financial Due Diligence
By John Bovard, CFP®
18 Jan: Financial Due Diligence
By John Bovard, CFP®
14 Dec: M&A Attorney on Selling Your Business
By John Bovard, CFP®
23 Nov: Innovating and Building Multiple Businesses
By John Bovard, CFP®
27 Oct: Attention Business Owners and Entrepreneurs!
By John Bovard, CFP®
03 Oct: Buy Sell Agreements: Ensuring Smooth Business Transitions
By John Bovard, CFP®
10 May: Benchmarking Your Business For Growth
By John Bovard, CFP®
04 May: Berkshire Hathaway Annual Meeting 2022
By John Bovard, CFP®
19 Apr: Small Business Retirement Plans
By John Bovard, CFP®
12 Apr: Estate Planning for Business Owners
By John Bovard, CFP®
12 Oct: Limiting a Retirement Classic: The IRA May See Some Unwelcome Changes
By John Bovard, CFP®
14 Sep: Selling a Family Business: Preparing for a Transformational Event
By John Bovard, CFP®
07 Sep: Executive Compensation: Cash Balance Plans
By John Bovard, CFP®
20 Aug: Market Analysis
By John Bovard, CFP®
06 Aug: Using Your Investment Account to Borrow
By John Bovard, CFP®
27 Jul: Preparing for a Small Business Loan
By John Bovard, CFP®
22 Jul: Considering a Company 401k Plan?
By John Bovard, CFP®
12 Nov: Preparing Your Business and Investments for More Lockdowns
By John Bovard, CFP®
Interested to learn more?
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