The statistics are hard to believe. "The average worker today changes jobs 8 times in their lifetime." That's a lot of financial stress. During such hard times it is a lot easier to ask for advice if you don't have to watch the clock.

Several questions arise throughout the year as our clients are exposed to an ever changing host of benefit decisions at their workplace. We can help you think through your options and optimize the benefits to fit your financial objectives.

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1. You too can become a billionaire 2005 (2005-04-11)
   There are 691 billionaires in the world according to a recent survey. Most are in the United States, and the others are scattered throughout 46 other countries. Because of the surging world economy, 104 newcomers were added to the list last year. Learning how billionaires amassed their wealth may expand your financial horizons and possibly seed you with an idea that will lead to the inclusion of your name on the list.
   
   
2. The False Lure of Multi-Level Marketing (2009-08-03)
   Multi-level marketing (MLM), or network marketing, is a nonsustainable business model because it does not provide a valuable service but simply a product that has been marked up in price.
   
   
3. You too can become a billionaire 2007 (2007-07-02)
   There are 946 billionaires in the world according to a recent survey. Half are in one country, the United States of America! The others are scattered throughout 53 other countries. Because of the surging world economy, 195 newcomers were added to the list last year and only 32 dropped out. Learning how billionaires amass their wealth may expand your financial horizons and possibly stimulate some ideas that could lead to your name being added in the future.
   
   
4. The Business of Being an Artist - Part 1 (2007-08-13)
   The image of the starving artist has prevailed too long. Here are the financial essentials that artists avoid at their peril.
   
   
5. Managing Your Biggest Asset: Your Career (2007-07-16)
   Your career is your biggest financial asset. Most people determine the value of their work by the dollar amount on their paycheck. However, judging your career based solely on your take-home pay is a short sighted evaluation. Learning to manage the full value of your career will translate into a higher quality of life and a higher net worth.
   
   
6. Tax Planning for Small Business Owners (2006-11-20)
   Small business owners enjoy more flexibility when it comes to tax maneuvering. That's why tax planning is especially important for small businesses. Whether your business employs one employee or one hundred employees, last-minute tax moves can save you money, if you act before the end of the year.
   
   
7. The Business of Being an Artist - Part 2 (2007-08-20)
   For those working in the arts, financial planning is artistic freedom. You can be an artist and also eat well if you don't avoid the subject of financial planning all together. After you have your cash flow and career planning in place, you also need to address your insurance and legal concerns.
   
   
8. Financial Planning Begins with Spiritual Values (2006-12-25)
   Many people assume that financial planning primarily deals with cold hard cash. Most financial planners would disagree. Financial planning is the process of aligning your financial choices with your life passions. And although financial planning can tell you how to accomplish your goals, it cannot tell you what your goals should be. Values transcend the cash and the numbers.
   
   
9. The French Kiss of Death (2006-02-27)
   Over the past decade, the French economy has been given the kiss of death by the burden of socialist "feel-good" labor laws. The French government's intentions were good, but cumulatively they have poisoned French entrepreneurial competitiveness and paralyzed their economic growth.
   
   
10. Virginia is for Business Lovers (2006-09-04)
    The nation's first Labor Day celebrations were held by the Central Labor Union in New York City in 1882. By 1894 every state was celebrating the accomplishments of American workers. While all states claim to be pro-labor, some have proven more effective at creating jobs for their labor force than others. Jobs follow economic freedom, not economic regulation. A recent article published by Forbes names Virginia the best place in America to do business... and where there is business there are jobs.
    
    
11. Taxes Matter 5 - The Economics and Mindset of the Rich (2004-08-23)
    Being rich often stems from finding your personal area of genius. Being rich involves finding the vocation where your productivity is most valued by society.
    
    
12. You're Fired! Now Get to Work! (2004-04-26)
    "You're fired!" can be an opportunity to work for yourself. But the best two words you might hear are yourself saying, "I quit." Working for yourself is risky and frightening, but the financial freedom and opportunities you gain are significant.
    
    
13. Wealth is what you save, not what you spend (2004-02-02)
    Many people mistakenly believe that their financial well-being is outside of their control. It isn't. Repair, make do or do without! Your financial future is made is every day's decisions to spend money or save and invest.
    
    
14. Health Savings Accounts (2004-03-29)
    Insurance is best used to limit catastrophic risk, not pool everyday expenses. Therefore affordable medical insurance will have a high deductible. Out of pocket expenses below the deductible will provide sufficient negative feedback to prevent skyrocketing insurance costs.
    
    
15. Estate Planning for a Family Business Balances Three Roles (2004-09-27)
    Wise estate planning for the family businesses accepts, mentors and integrates others (family role); makes a profit and demonstrates objective professionalism in its decisions (business role); and plans for the inevitable - a successful transfer of ownership to the next generation (ownership role).
    
    
16. Social Security Can Be Saved (2004-01-12)
    Social Security can be saved. The solution actually costs less while preserving benefits. It is nothing short of miraculous.
    
    
17. Taxes Matter 3 - Taxes reduce the opportunities for economy efficiencies (2004-08-09)
    Small business owners make the majority of the decisions about economic expansion and job growth when they decide if the expertise their company has to offer is efficient enough to justify the burden of taxes.
    
    
18. Business Planning Must Balance Dreams With Reality (2004-05-10)
    Life is all about balance. In business you need to balance dreams and reality, passion and planning.
    
    
19. Economic Hypocrisy Plagues Public Sector (2004-05-03)
    We act as if being a business owner is trivial enough to burden them with the responsibility of funding, implementing, and enforcing whatever social programs are in vogue. Then we exempt ourselves from taking the risk.
    
    
20. Maintain financial balance when in business (2004-05-17)
    Running a small business requires financial balance. Here are ten rules.
    
    

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