John Bovard, CFP
Would a $15 Minimum Wage Work?
By 2025 it is estimated that a $15 minimum wage would reduce employment by 1.4 million workersThe debate of a $15 minimum wage has been in the news lately and seems to be a talking point for most politicians. However, taking politics out of this, would this truly be...
Investing in Disruptive Innovation Part 1
Over the course of two blog posts I will be cover the topic of investing in innovative disruption. It has been said that the pandemic has drastically sped up the adoption of technology and innovation. This thought could be seen amongst the stocks that many considered...
Instead Of Picking Stocks – Do These 3 Things First
I recently read the book “Everything you need to know about saving for retirement” by Ben Carlson Link to book and enjoyed the simple but not easy suggestions he makes to lead to a strong financial foundation. I recommend the book for anyone interested in personal...
What To Do With Extra Savings
Last week I had the pleasure of chatting with Business Insider reporter Liz Knueven to go over some common things I am seeing regarding financial planning. One of the trends I have notice in 2020, either from retirees or those working is that they have an extra amount...
Exclusions & Deductions from Gross Income
It is important to note what items can be excluded from your gross income for taxes. These are items that you will not need to worry about paying taxes on for the year. Deductions and more specifically above the line deductions are most often things that will require...
IRS Enrolled Agent – Tax Planning
Transcript Many financial advisors mention tax planning when they discuss what services they offer their clients. Since becoming an independent financial advisor, to take that a step farther, I became an IRS Enrolled Agent. An IRS Enrolled Agent has the ability to...
2020 Annual Market Review
2020 was obviously a very chaotic year for the country and for the stock market. Even through all the headline risk of this year the market still stock market still averaged double digit returns. Do you know the performance of your portfolio for 2020? You can use this...
Set It & Forget It – Automate your finances
Automating your finances is one of the most reliable ways to maintain solid financial habits and to build wealth. We often use automation to pay our lenders, utility companies and service providers so why not automate to pay yourself first. Automating your savings...
Stimulus Round 2: Don’t Leave Money on the Table
Here are a key, less talked about, items in the latest stimulus bill. Check out this video to see if these items may benefit you. Here is a great resource that can help to answer more questions you may have about the stimulus bill. ...
Merry Christmas
Merry Christmas from the Bovard family to yours! Here are some of our Christmas Favorites. Favorite Christmas Movie Elf Favorite Christmas Song Rudolph the red nose reindeer Favorite Last Minute Shopping Store Kohl's Kid's top Christmas List Item Camden:...