Fiduciary, Flat Fee and Fee Only, wealth management, divorce financial planning, and ONLINEADVISOR for those getting started or starting over.
Offices in Leesburg, VA and clients around the country. Whether you're building or dividing, let us help protect and grow your assets. Specializing in transitions Accepting new clients by referral
Mission: We serve those who work hard and want professional guidance to protect and grow their assets. We have been guiding families and individuals as fee-only planners since 1992.
Love The Vineyards & Winery at Lost Creek. Such an intimate spot., greeted & seated & served water before wine without even a request. Then we enjoyed scallops & bruschetta. Best winery for grownups.
We have our client webinar this Wednesday on estate planning where we will talk about these hard conversations. This article makes some salient points about an unfortunately all too common, yet solvable problem.
marketplace.org Changes to the brain make seniors prime targets for financial fraud.
nytimes.com Frances H. Arnold was awarded this year’s Nobel Prize in Chemistry for her work conducting the directed evolution of enzymes.
[04/24/19] Great afternoon yesterday. My dear nephew, Matt Switzer, is about to graduate UCSD and we got on one of his last campus tours. He grew up so fast!! Then a nice break on the water. @ La Jolla Cove instagram.com/p/Bwn6IqbhJpI/…
It turns out the west coast has been holding the sun hostage from the east coast. We're out here for Shareholders Service Group's annual conference and enjoying the sunshine and natural treats! Come to Torrey Pines with us and watch the dolphins play nearby. . . .
San Diego Dolphins . . . .
And if you have lived this, in addition to thinking half of you is bad, you’re also put in the position of being discouraged from loving the only other parent you have. But the divorce dilemma is much more than law and emotions. I wish I could tell you that things have changed a lot since 1966 when I was a latch-key kid after my dad (who I loved and still miss) left with his paycheck and his pension. That things are better for women, children, and families when the ‘law’ decides your finances.
Every divorce needs a financial divorce pro to model outcomes and the impact of what the parties are negotiating. This one change will change outcomes for the better.
Someday, blockchain will increase transparency and trust and that giant sucking sound you will hear is the billions moving from law firms and courts back to the families who earned it to split fairly between them with a real understanding of what to expect.
Until then, parents should know that their intended target overshoots and affects the children, who they marry (if they marry), and how they use money. This is a cruel country to be broke in. And where there is enough in the marital estate, we should close the income and asset gap between the parties. This is the work we do and we’ll keep moving families forward financially through one of life’s toughest transitions.
What do you do when your term life insurance is expiring? http://ow.ly/ldFL50pTeuQ
americancapitalplanning.com What do you do when your term life insurance is expiring? Read today's blog post to find out how to protect yourself and your family.
More Nashville! @ Nashville, Tennessee
Cheekwood. Spring showed up. @ Cheekwood
Andrew Jackson’s place. The Hermitage. @ Andrew Jackson's Hermitage
Oak wood painted by son of the Cheeks who owned the home originally. @ Cheekwood
What’s straightforward for an advisor from years of study, certifications, and practice, can be much more difficult for a client. Clients are often enamored with rental real estate. Make that rental a beach house and it’s a sure bet, right?
Time to re-set.
americancapitalplanning.com Putting healthy personal finance decisions into context: Doing the math before you put your hard earned dollars in the directions of your dreams.
Looking forward to speaking in Nashville in April on Helping Divorcing Clients Get Back to the Future.
We are thrilled to feature Liz Ann Sonders, SVP & Chief Investment Strategist at Charles Schwab and The New York Times best-selling author, Tara Westover at our 2019 Conference!
Register today and take advantage of early bird pricing.
A parallel between processed or fast food and the financial industry is the struggle to get past the noise.
americancapitalplanning.com Willpower is hard when it comes to food and money. Reach your financial goals by creating healthy money habits that replace willpower in spending.
This is the first of a series of blogs along my journey to healthy eating as a lifestyle vs. a short-term diet. Because we’re talking about habit change, I am hoping to get understanding of the hurdles my clients face when they are trying to change stubborn and destructive money habits.
americancapitalplanning.com Do you struggle to create healthy money habits? Change is hard. And change is slow. In today's blog post I show how to make habit changes stick.
American Capital Planning, LLC's cover photo
[01/14/19] The constant reference to Bezos as the richest man (vs them as richest couple) tells us everything we need to know about marriage, money, and divorce in America. It was always theirs and hopefully she won’t have to fight to keep her marital share.
Rise & shine. 3rd day of plant based lifestyle change. So far so good!
The holidays at home and with family. A really nice break.
Tree is up. Old & new memories... @ Leesburg, Virginia
Christmas tree hunt-successful. Grandsons, tired. More success!
@ Snickers Gap Christmas Tree Farm
Beautiful morning in DC with a bit of France! @ Washington, District of Columbia
Annual ornament run, nice surprise-LEGO White House @ White House Visitor Center
abm.emaplan.com The concept of the “traditional” American family is continually changing. The dual income family—with both spouses maintaining separate careers and contributing to the financial success of the household—has now become commonplace. The economic challenges and opportunities of this century may...
Evening walk. @ Leesburg, Virginia
Thank you Cooper Ginsberg Gray for putting the tournament on. And helping the folks at shelter house. We look forward to participating again next year!
Thank you to the following sponsors who made contests possible at the 18th Chipping in to End Domestic Violence Golf Tournament: Acumen Solutions (Putting Contest), The Ezra Company (Driving Range), Law Offices of Edward V. O'Connor, Jr. (Men's Closest to the Pin), American Capital Planning, LLC (Women's Closest to the Pin), Family Law Group at McCandlish Lillard (Men's Longest Drive) and Divorce Your Spouse Not Your Dollars (Women's Longest Drive)! The contests were a lot of fun, but more importantly, the proceeds raised will enable Artemis House to continue their efforts in assisting victims of domestic violence. Artemis House, operated by Shelter House, is Fairfax County's only 24 hour emergency shelter serving victims of domestic violence, sexual violence, stalking, and human trafficking.
The rest of the math is that between the time paying for daycare/pre-school and full-time K-12 until university is 12 short years to somehow save for 4 years of college per child!
fortune.com Read the latest stories about Claire Zillman on Fortune
2nd half - bees! @ Goodstone Inn & Restaurant
First half of anniversary walk-peaceful & pretty. @ Goodstone Inn & Restaurant
Today, roughly one in five women in the U.S. doesn’t have children. Thanks in part to this decline in birthrate, for the first time in U.S. history, there may soon be more elderly people than children.
Based on trends in costs, it’s evident why many families are choosing to have fewer children – or in some cases, no children at all.
The cost of having children in the U.S. has grown exponentially since the 1960s, when the government first started collecting data on childhood expenditures. Between 2000 and 2010, the cost shot up by 40 percent.
In an ideal world, you buy life insurance when your kids are young or you’ve purchased your first home, and you need the coverage only for about 20 years. By the time your policy nears the end of its term, your kids are on their own, your house is mostly paid off, and you’ve accumulated enough money in retirement savings for your spouse to pay the bills if anything happened to you.
abm.emaplan.com In an ideal world, you buy life insurance when your kids are young or you’ve purchased your first home, and you need the coverage only for about 20 years. By the time your policy nears the end of its term, your kids are on their own, your house is mostly paid off, and you’ve accumulated enough m...
Raising money for shelterhouse.org in the Chipping in for Domestic Violence Tourney as a sponsor and player. @ Bull Run Golf Club
There are many opportunities to support disaster-recovery efforts and help people whose lives have been upended by Hurricane Florence, but you should be careful. It's also prime time for scam artists to take advantage of your generosity and steal your money or even your identity. Take these steps to help you choose a charity.
abm.emaplan.com There are many opportunities to support disaster-recovery efforts and help people whose lives have been upended by Hurricane Florence, but you should be careful. It's also prime time for scam artists to take advantage of your generosity and steal your money or even your identity. Take these steps to...
Croissant class makes a lovely Saturday.... @ Middleburg, Virginia
Our analysis of US-based mutual funds shows that only a small percentage of funds have outperformed industry benchmarks after costs—and among top-ranked funds based on past results, only a small percentage have repeated their success.
us.dimensional.com Every year @Dimensionalfundadvisors analyzes thousands of US-based mutual funds. Can you guess how many funds outperformed industry benchmarks after costs? #mutualfundlandscape #dfablog
Women making a real $$$ difference at the companies they run. https://goo.gl/UDds8d
fortune.com Lockheed Martin’s Marilyn Hewson, Boeing’s Leanne Caret, and Engility’s Lynn Dugle on (largely female) leadership of the defense industry.
This class always ends in lots of amazing bread along with wine and a big board of beautiful food. @ Middleburg, Virginia
In my spare time, making baguettes...
abm.emaplan.com A charitable remainder trust (CRT) can be a highly effective financial and estate planning tool. The CRT can allow you to: avoid capital gains taxes on highly appreciated assets, however when income is distributed to the income beneficiaries it is taxable; receive an income stream based on the full,...
Joint account or separate accounts? Does your partner handle the finances? How couples deal with money can either bring them together or push them apart.
abm.emaplan.com Joint account or separate accounts? Does your partner handle the finances? How couples deal with money can either bring them together or push them apart.
abm.emaplan.com It’s an unfortunate statistic that everyone knows – more than 50% of marriages will end in divorce. But it’s also a statistic that has lost its impact. So, let’s try another tact.
Disturbing and we see this in our divorce work...in wealth management, medical & taxes are the biggest drags on my clients' retirement. Longevity & lack of savings=disaster. When the next recession comes, demographics will not be in our favor. Ugh.
nytimes.com The rate of those 65 and older filing for bankruptcy is three times what it was in 1991, a new study finds, as more enter their later years in a precarious position.
I spoke on these exact points at Freddie Mac in February of this year. Let’s effect change; start by sharing this information.
advisorperspectives.com Women face at least 12 unique financial and life challenges related to long-term retirement planning. Addressing them can be overwhelming and uncomfortable. Only by understanding the issues can you develop strategies that will provide the greatest chance of achieving your clients’ goals.
Our latest blog post features Bonnie's most recent published article about Critical Mistakes to Avoid After Divorce.
dysnyd.com Unfortunate fact: a woman's standard of living, on average, goes down by almost 30% after divorce. If you are a woman in this unfortunate situation, seek care and consideration from a financial adviser with expertise in helping clients going through a divorce.
We are a Northern Virginia-based private equity investment firm. Our firm was founded on the principle that true wealth is created in private investments.
Certified Mortgage Planning Specialist, CMPS & Corporate Real Estate Benefits Director
I'm Sam Stowers, NMLS #1059704, Mortgage Advisor with Mortgage Access Corporation.
Lighthouse Point Insurance Agency is a family owned Allstate exclusive agency committed to building long-term relationships with you – our clients
Alliant Merchant Solutions helps businesses by customizing payment solutions and services to meet their needs.
We are a full service bookkeeping and QuickBooks consulting firm committed to helping the small businesses of America succeed in their pursuits.
“Trusted Traditions and Service Beyond Expectations"
Registered Financial Services Representative
We are a local credit union created by and for the good people of Loudoun County. We help them make smarter decisions about their money.