The team at Pearl Planning is proud to announce that its President, Melissa Joy, CFP®, CDFA®, was named to the Investopedia 100 Top Financial Advisors of 2022. Melissa was one of three financial planners in Michigan to receive this recognition and she has been named on the list for three consecutive years. The annual Investopedia…
529 plans are a strategy that many use to save for a loved one’s college education. Although most people are familiar with the benefits of a 529 plan, there are some lesser-known benefits of having multiple 529 plans for one child. For many, simplification of their investment strategy is their number one goal. If this…
More often in recent years, we have found ourselves talking to clients about the value of a Health Savings Account (HSA). HSAs can be a valuable tool to help prepare for unexpected medical expenses or even to cushion healthcare spending in retirement. In addition to being a great option for those in a high deductible insurance…
Restricted Stock Units (RSUs) are a form of equity compensation that can be provided by an employer. RSUs vest over time and allow an employee to receive shares of the company’s stock or, in some cases, a cash payout. RSUs can be a very beneficial form of compensation, but they require specific and careful tax…
As an investor, the new year has reminded us of the sometimes difficult feelings that come with a down market. Reminding ourselves of the normality of market fluctuation can be unpleasant, but it is one of the many times we must remain diligent and patient as an investor. While no one loves to see a…
The year is off to a volatile start, with January looking like the worst month for the United States stock market since March of 2020. In this article, we will examine five questions you should ask yourself when stock news is gloomy. Accumulating Investments Question number one is, “Are you accumulating investments today?” Market pullbacks…