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What Are I-Bonds? Plus Creative Ways To Include Them In Your Investment Plan

With all the juicy financial headlines—stock market movements, inflation, the housing market, student loan conversations, etc.—who would have thought that bonds would have their moment in the sun? Bonds have a reputation for being the safe and stable alternative to risky, daredevil stocks. Their reliable returns and ability to produce income make them integral in any well-diversified portfolio … [Read more...] about What Are I-Bonds? Plus Creative Ways To Include Them In Your Investment Plan

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?

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

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

A Penny Saved Is A Penny Earned, Or Is It Invested?

You’re likely familiar with the saying, A penny saved is a penny earned.  It sounds like the type of vague financial advice you might hear from your relatives around the holiday table.  But how is that penny earning anything? If it’s stuck in a traditional savings account, likely not much since the current national average return on a savings account is 0.06%. Even my favorite high … [Read more...] about A Penny Saved Is A Penny Earned, Or Is It Invested?

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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!

sophiabera
sophiabera Sophia Bera, CFP® @sophiabera ·
9h

Will this season be just as intense and dramatic as the last? How can potential buyers stand out among the crowd? #housingmarket #personalfinance #realestate https://buff.ly/3yWNLMO

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sophiabera Sophia Bera, CFP® @sophiabera ·
24 Jun

How to recession-proof your personal finances; these strategies work in any economy. A great article from @NextAdvisor that I was happy to be a part of. #recession #personalfinance https://buff.ly/3HohArP

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sophiabera Sophia Bera, CFP® @sophiabera ·
23 Jun

Achieving financial success isn’t always about following certain rules. Sometimes it’s about doing things differently. Interesting article from @CleverGirlCGF #personalfinance https://buff.ly/396Xg10

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