David Hergert, CFP

Downsizing isn’t just a move — it’s a meaningful life transition.

While it can bring less upkeep and more flexibility, it also introduces important financial decisions around equity, taxes, and lifestyle changes.

This article outlines what to consider before making a move.

Downsizing your home in retirement Find out what to consider when downsizing and how a new home in retirement may affect your financial situation.

Buying a home starts well before house hunting begins. 📝

Preparing credit, understanding upfront costs, and planning beyond the purchase price all play a role. This overview walks through the financial groundwork that can help avoid unexpected hurdles.

Preparation behind the scenes often leads to more confident decisions at major milestones.

Financial steps to buying a house These financial steps to buying a house detail essential information for the home buying process.

The SALT deduction has changed — and it may affect how much you can deduct and how you plan ahead. This article breaks down what to know now. If you’re considering how these changes fit into your broader financial strategy, we can help.

The state and local tax (SALT) deduction, explained Explore what the SALT deduction is and how you may be able to use it lower your overall tax bill.

Starting a business can blur the line between personal and professional finances.

Cash flow, taxes, and planning ahead matter early on. This article highlights financial areas many new business owners overlook.

Financial planning for business owners Starting a business? Keep these financial implications in mind so you can prepare accordingly.

Whether you're looking for a lucrative investment opportunity or finding a home for your family, there are many important considerations that need to be taken into account. Join us to learn more about these considerations and how to properly interact with real estate as investors and consumers. https://bit.ly/46EYmvs

When you regularly talk with your family about money, you can work together toward a lifetime of financial confidence. Join us where we'll discuss what leaving a legacy means and how we can help to work through important financial issues with your family and loved ones. https://bit.ly/4gRpegq

College planning often starts with one key step: setting clear expectations.

Early clarity around costs, timelines, and priorities can help turn uncertainty into a more focused strategy.

This article highlights where to begin.

Together, we can create a plan that aligns with your goals—and supports what matters most to your family.

Financial planning for college: How to get started 5 considerations as you set your child’s education goal

What are you doing today to prepare for your goals for tomorrow? Let’s talk about what’s most important to you and how we can partner to prepare for your future goals.

When college is around the corner, decisions move fast.

Families often juggle tuition bills, aid offers, and payment options all at once. This guide outlines financial steps to consider as enrollment approaches. A little structure now can help families feel more prepared during a busy transition.

Paying for college Key steps to consider ahead of your first tuition payment.

Every parent wants to give their child a strong financial start. Let’s connect if you’d like guidance on what might be the right investment vehicle for your family’s goals and priorities.

8 ways to save for your child’s future Explore the different investment accounts that can help you support your child’s financial future.