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Financial Planning for Millennials

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You Passed Roth IRA Income Limits, Where Should Your Next Dollar Go?

Roth IRAs are incredible tools for long-term saving, and in the finance world, they epitomize the concept of delayed gratification.  Your contributions are after-tax, meaning you don’t get any sort of “reward” upfront. However, those contributions grow tax-free and qualified distributions remain tax-free. This could be incredibly helpful in retirement if you’re trying to stay in a low tax … [Read more...] about You Passed Roth IRA Income Limits, Where Should Your Next Dollar Go?

I No Longer Qualify for a Roth IRA — Now What?

You’ve heard the advice when it comes to saving for retirement: contribute enough to your employer-sponsored retirement plan to get the company match, and then contribute up to the max to a Roth IRA ($6,000 in 2022). But Roth IRAs have income limits: For 2022, single tax filers who make $144,000 or more are ineligible to contribute, and they can only contribute a reduced amount if they make … [Read more...] about I No Longer Qualify for a Roth IRA — Now What?

Getting The Most Bang for Your Buck In This Hot Spring 2022 Housing Market

Watching the housing market explode over the last couple of years has been like binging reality TV drama—outrageous list prices, all-cash offers, waiving inspections, intense bidding wars, real estate love letters to win sellers’ hearts, and other things you’d think only exist on the big screen, not real life.  Now, let us welcome you to the Spring 2022 housing market. Will this season be … [Read more...] about Getting The Most Bang for Your Buck In This Hot Spring 2022 Housing Market

6 Creative Considerations Before You File Your 2021 Tax Return This April

Yep, it’s about that time—tax time, of course.  The sun’s out a little longer, we shed a few layers, the first blooms of the season are on full display, and taxes are due smack dab in the middle of it all. This year, your 2021 taxes are due on April 18th, 2022. But don’t let this impending annual chore dull your spring fever. This year, let’s make taxes fun! Well, if not fun, at least … [Read more...] about 6 Creative Considerations Before You File Your 2021 Tax Return This April

What’s Your Annual Spending Report? Plus, How It Can Help You Budget Better

How do you feel about your money? If you were one of the over 2,000 people surveyed in Personal Capital’s 2022 Wealth and Wellness Index survey, you might say that your current financial position isn’t exactly where you want it to be.  The survey highlighted that fewer people are confident about their finances than last year. At the beginning of 2021, 48% of people said they felt “very … [Read more...] about What’s Your Annual Spending Report? Plus, How It Can Help You Budget Better

Three Financial Moves You’ll Want To Say Yes To In 2022

It’s a new year, and with it comes many hopeful resolutions.  We’re used to seeing several common new year ambitions like adopting a healthy lifestyle, spending more time with family and friends, and learning a new skill. Increased financial wellness is also at the top of many people’s lofty beginning-of-the-year plans.  But don’t worry; this isn’t a blog about creating a financial New … [Read more...] about Three Financial Moves You’ll Want To Say Yes To In 2022

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I'm Sophia! And I'm not your father's financial planner. I work virtually with clients across the country to help them navigate through big life changes and reach their goals. I'm also a foodie, a true crime junkie, and a lover of karaoke. Let's chat! Click here >>

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Sophia Bera, CFP®Follow

Foodie financial planner who loves books, podcasts, and karaoke. Living in Austin, TX and loving it!

Sophia Bera, CFP®
sophiaberaSophia Bera, CFP®@sophiabera·
5h

If you are close to the income limit cut off, you would reduce your taxable income. #RothIRAlimits https://snip.ly/xouhj1

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sophiaberaSophia Bera, CFP®@sophiabera·
20h

Most people think of tracking their spending with a budget, but another way to see your cash flow in action is checking out your annual spending report from your credit card company. #annualspendingreport https://snip.ly/2in1ie

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sophiaberaSophia Bera, CFP®@sophiabera·
24 May

With house prices being the highest in decades, what are home hopefuls supposed to do? Set realistic homebuying expectations! #housingmarket https://buff.ly/3yWNLMO

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