Career planning

The Role of Career Planning in Financial Planning

by Sophia Bera October 11, 2017

When I work with financial planning clients, I tend to ask a lot of questions that don’t seem to be directly related to money at all. Where do you want to live? Do you have any upcoming travel plans? Do you like your job? Here’s the thing: most decisions you make in your life are […]

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Retirement savings for the self-employed

Retirement Planning if You’re Self-Employed or a Small Business Owner

by Sophia Bera September 27, 2017

Many people refer to retirement savings plans as “401(k)s” even if they’re not, because so many financial advice articles out there focus heavily on 401(k)s. The reality is that there are a variety of ways to save for retirement, and the options you choose can depend on what kind of company you work for, or […]

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Benefits for the self-employed

How to Create Your Own Benefits Package When You’re Self-Employed

by Sophia Bera September 20, 2017

When you’re a full-time employee for a company, you might take for granted all the benefits you get in addition to your actual salary. It turns out that of your total compensation package, 30% goes toward benefits like health insurance, disability insurance, life insurance, 401(k) matches, paid vacation and sick leave, and more. But nearly […]

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Equifax breach

How Do I Protect Myself After the Equifax Breach?

by Sophia Bera September 13, 2017

After news of the Equifax security breach broke, many of my clients have asked me what they should do to protect their personal information. I wanted to share my recommendations with all of you. What Happened? Equifax is one of three major credit bureaus, which means they compile and use a lot of consumer data […]

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Ditch your car

How Ditching Your Car Could Save You Thousands

by Sophia Bera August 30, 2017

For those of us who grew up in the ‘burbs, the idea of living without a car seems as foreign as driving on the opposite side of the road. How will you haul home groceries? How will you get to work? For many Millennials, especially now that we’re buying suburban homes and having kids (or […]

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auto loan refinancing

When and How to Refinance an Auto Loan

by Sophia Bera August 23, 2017

Let’s say that about a year ago, you bought a car and opted to finance it instead of buying the car in cash. If you didn’t get the best deal on your loan at purchase, you might be able to refinance in order to take advantage of lower interest rates, lower monthly payments, or a […]

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