Marcy Holbert

College Planning Starts Before You Choose How to Save When families start thinking seriously about college, the conversation often moves quickly to numbers. How much will college cost? How much have we saved? Should we be putting more into a…

How to Prioritize Your Money When Everything Feels Important You get a raise. Or maybe the car is finally paid off. Daycare ends. A debt disappears. For the first time in a while, there’s a little more room in the…

Retirement Has Its Own Vocabulary. Here Are 9 Terms Worth Knowing. Retirement planning can sometimes feel like learning a new language. RMDs. Cost basis. Roth conversions. Sequence risk. You may have spent decades saving and investing without needing to think…

The 5 Types of Wealth Worth Building A business owner sells a company. A professional reaches a long-awaited income goal. A family finally pays off their mortgage. These are meaningful accomplishments. They often represent years of hard work, sacrifice, and…

Part 1 of the Being Financial Financial Terms Series If you’ve ever sat through a conversation about investing, retirement, or taxes and thought, “I have no idea what that means,” you’re not alone. Financial professionals use terms every day that…

The Most Important Step in Any Financial Journey When you open a trail map in a national park, your eyes naturally search for the destination. The scenic overlook. The waterfall. The summit. But before any of those places matter, you…

Why We Believe Financial Planning Should Come Before Products At Being Financial, we believe financial planning should start with understanding the person, not simply reviewing an account statement or discussing a product. Too often, financial conversations begin with: investments performance…

Most people spend a significant amount of time thinking about how to earn more, save more, grow more, or prepare for the future. But far fewer people stop long enough to ask a different question: What is all of this…

Planning a great vacation rarely happens by accident. Most trips require deciding where to go, how long to stay, what experiences matter most, and how much you’re willing to spend. Even the most spontaneous travelers usually have some kind of…

  Retire Before 65: Why Tax Diversification Matters More Than You Think When people talk about retiring before 65, the conversation usually centers on how much money you need. That’s understandable, but incomplete. The more important question is often where…