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Welcome to the blog of Gardner Financial Planning.  Here we will take a look at what's going on in the world around us, give you our thoughts about what that might mean for you, and give suggestions for future action; planting the seeds for your financial journey.

 

Tuesday, September 22, 2020

Part III of our thoughts on Q2 2020.

 

Friday, September 18, 2020

Part II of our thoughts on Q2 2020.

 

Monday, August 10, 2020

A look back over the last quarter and our thoughts on what it means for our clients moving forward.

 

Monday, June 1, 2020

How do we move forward in the face of a pandemic? You can find more of our videos on our Facebook Page or Youtube channel under Gardner Financial Planning.

 

Friday, May 15, 2020

How will Covid-19 affect college planning this fall? You can find more of our videos on our Facebook Page or Youtube channel under Gardner Financial Planning.

 

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Monday, April 20, 2020

A look back over the last quarter and our thoughts on what it means for our clients moving forward. Do you have any questions about this past quarter that we didn't get to in our video? Feel free to reach out.

 

Thursday, April 2, 2020

Nichole sits down to talk about managing debt stress in this Money Minute. The average American household with debt owes$132,158 and credit card debt accounts for $15,675 of that. So it's little wonder that money worries are major...

 

Thursday, March 26, 2020

In this Money Minute, Nichole goes over the basics of Credit Scores. The Fair and Accurate Credit Transaction Act of 2003 provided individuals with valuable rights to their credit information that companies keep on them. But did you...

 

Saturday, March 21, 2020

What does the Coronavirus mean for investors and our economy as a whole? Tim and Nichole discuss their thoughts. You can find more of our videos on our Facebook Page or Youtube channel under Gardner Financial Planning.

 

Thursday, March 12, 2020

Tim gives a brief overview of 529 tax-advantaged savings plans in this Money Minute. If you have money to burn, this one's for you. The tax cuts from December 2017 expanded the use of section 529 savings plans to private K through 12...

 

Thursday, February 27, 2020

Tim touches on the complex subject of Required Minimum Distributions in this Money Minute. The Secure Act Giveth The recently enacted Secure Act pushed back the age when withdrawals must begin from retirement accounts under the old...

 

Thursday, February 13, 2020

In this Money Minute, Tim talks about the Secure Act and the effects it can have on your growing family. If you're thinking about starting or expanding your family, the recent law term the Secure Act has a benefit that might help you...

 

Thursday, January 30, 2020

In this Money Minute, Nichole provides tips for changing habits. Most Americans know the fundamentals of good health; exercise, proper, diet sufficiently, etc. Yet despite this knowledge, changing existing behaviors can be difficult....

 

Thursday, January 16, 2020

A look back over the last quarter and our thoughts on what it means for our clients moving forward. Do you have any questions about this past quarter that we didn't get to in our video? Feel free to reach out to us on social media via...

 

Thursday, January 2, 2020

In this Money Minute, Nichole talks about what you should consider when starting a small business. Thinking of starting a small business? Make sure to do it right and set yourself up for success. 1. First, consider the business your...

 

Thursday, December 5, 2019

In this Money Minute, Nichole talks about what you should do if you lose your wallet. Maybe you've never experienced it before but for those of us who have, misplacing your wallet is like a punch in the gut. What if you never find it?...

 

Tuesday, October 22, 2019

A look back over the last quarter and our thoughts on what it means for our clients moving forward.

 

Tuesday, October 22, 2019

In this Money Minute, Nichole discusses talking to your children about online safety. The internet is a treasure trove of goodies for kids- games, movies, educational tools- but it can also pose a risk. It's important that you keep...

 

Wednesday, October 9, 2019

Tim sits down to discuss car loans and provides some tips to keep in mind. Can you name the three largest individual sources of debt? 1.Home mortgages 2.Student loans 3.Car loans Homes generally appreciate in value and the educational...

 

Monday, September 23, 2019

Nichole sits down to talk about the advantages and disadvantages of buying and leasing a new vehicle. Buying vs leasing, it's a common dilemma. Are you the type of person who likes the newest thing, or maybe you like keeping a car for...

 

Monday, July 29, 2019

A look back over the last quarter and our thoughts on what it means for our clients moving forward.

 

Tuesday, July 23, 2019

Nichole sits down to talk about retirement and some of the top countries retired people enjoying spending their twilight years in this Money Minute. Considering moving in retirement? You may want to think about relocating to a...

 

Tuesday, July 9, 2019

In this Money Minute, Nichole discusses some of the cost and factors associated with the long term care of elderly parents. The need for elder care is increasing for older Americans. Unfortunately, there's a growing gap between the...

 

Tuesday, June 25, 2019

Nichole sits down to talk about retirement and some of the top countries retired people enjoying spending their twilight years in this Money Minute. Considering moving in retirement? You may want to think about relocating to a...

 

Thursday, June 6, 2019

Nichole talks about preparing your kids for college in this week's Money Minute. Sending Your Kids to College Senior year is wrapping up and your child will be heading off to new adventures. This may be the first time they've been away...

 

Monday, April 22, 2019

A look back over the last quarter and our thoughts on what it means for our clients moving forward. Do you have any questions about this past quarter that we didn't get to in our video? Feel free to reach out to us on social media!

 

Monday, April 8, 2019

Developing good money habits is essential to laying a strong financial foundation for your children. You can find more of our videos on our Facebook Page or Youtube channel.

 

Thursday, March 7, 2019

Imagine going a whole month without spending a single extra dollar on non-essential expenses. You can find more of our videos on our Facebook Page or Youtube channel under Gardner Financial Planning.

 

Monday, February 4, 2019

A look back over the last quarter and our thoughts on what it means for our clients moving forward. You can find more of our videos on our Facebook Page or Youtube channel under Gardner Financial Planning.

 

Tuesday, November 20, 2018

What do the trade tariffs means for the economy and will they work? You can find more of our videos on our Facebook Page or Youtube channel under Gardner Financial Planning.

 

Wednesday, November 7, 2018

Leaving your home can be an emotional experience. You can find more of our videos on our Facebook Page or Youtube channel under Gardner Financial Planning.

 

Wednesday, October 24, 2018

Are Millennials changing the landscape of marriage? You can find more of our videos on our Facebook Page or Youtube channel under Gardner Financial Planning.

 

Monday, October 15, 2018

A look back over the last quarter and our thoughts on what it means for our clients moving forward. You can find more of our videos on our Facebook Page or Youtube channel under Gardner Financial Planning.

 

Tuesday, October 2, 2018

Are Millennials saving enough for their retirement? You can find more of our videos on our Facebook Page or Youtube channel under Gardner Financial Planning.

 

Wednesday, September 19, 2018

What are boomers concerned about? You can find more of our videos on our Facebook Page or Youtube channel under Gardner Financial Planning.

 

Wednesday, September 5, 2018

A brief discussion of how the national savings rate and the expansion of credit are directly correlated. You can find more of our videos on our Facebook Page or Youtube channel under Gardner Financial Planning.

 

Wednesday, August 22, 2018

How does the U.S. compare to other countries when it comes to healthcare costs? You can find more of our videos on our Facebook Page or Youtube channel under Gardner Financial Planning.

 

Wednesday, August 8, 2018

Why You should have a will According to a survey by Caring.com, only 42% of American Adults have estate planning documents like a will or living trust. For people with children under the age of 18, it's only 36%. Wills are often...

 

Wednesday, July 25, 2018

Are we prepared for automation? You can find more of our videos on our Facebook Page or Youtube channel under Gardner Financial Planning.

 

Thursday, July 19, 2018

A look back over the last quarter and our thoughts on what it means for our clients moving forward. You can find more of our videos on our Facebook Page or Youtube channel under Gardner Financial Planning.

 

Wednesday, July 11, 2018

A brief discussion of three common mistakes in retirement planning. You can find more of our videos on our Facebook Page or Youtube channel under Gardner Financial Planning.

 

Wednesday, June 20, 2018

How is technology helping traffic? A brief discussion with Gardner Financial Planning. You can find more of our videos on our Facebook Page or Youtube channel under Gardner Financial Planning.

 

Thursday, May 31, 2018

A brief discussion of what people value more- conveniences or financial security. You can find more of our videos on our Facebook Page or Youtube channel under Gardner Financial Planning.

 

Wednesday, May 16, 2018

What can you trust when your brain likes to be lied to? You can find more of our videos on our Facebook Page or Youtube channel under Gardner Financial Planning.

 

Thursday, April 26, 2018

What does the new Tax Cut and Jobs Act mean for you and the economy? A brief discussion with Gardner Financial Planning. Transcript. You can find more of our videos on our Facebook Page or YouTube channel under Gardner Financial Planning.

 

Monday, April 23, 2018

Are there better ways to spend your tax return? A brief discussion with Gardner Financial Planning. You can find more of our videos on our Facebook Page or Youtube channel under Gardner Financial Planning.

 

Tuesday, April 10, 2018

A look back over the last quarter and our thoughts on what it means for our clients moving forward. You can find more of our Money Minute videos on our Youtube channel under Gardner Financial Planning.

 

Tuesday, March 27, 2018

In case you haven't heard by now, if you currently qualify for Social Security, you will be sent a new card beginning this April. In an effort to lessen the risk of medical identity theft and illegal use of Medicare benefits, as...

 

Tuesday, March 13, 2018

A brief discussion of managing your finances, with Gardner Financial Planning. You can find more of our videos on our Facebook Page or Youtube channel under Gardner Financial Planning.

 

Thursday, February 8, 2018

A brief discussion of do-it-yourself investing versus working with an advisor, with Gardner Financial Planning. You can find more of our videos on our Facebook Page or Youtube channel under Gardner Financial Planning.

 

Friday, January 26, 2018

A look back over the last quarter and our thoughts on what it means for our clients moving forward. You can find more of our Money Minute videos on our Youtube channel under Gardner Financial Planning. Nothing contained herein should...

 

Wednesday, January 17, 2018

A brief discussion of how a credit freeze can affect college aid applications, with Gardner Financial Planning. You can find more of our videos on our Facebook Page or Youtube channel under Gardner Financial Planning.

 

Wednesday, January 3, 2018

We take a moment to discuss cryptocurrency and the implications of using it as a currency and investment. You can find more of our videos on our Facebook Page or Youtube channel under Gardner Financial Planning.

 

Wednesday, December 27, 2017

A brief discussion of how different income is taxed, with Gardner Financial Planning. You can find more of our Money Minute videos on our Youtube channel under Gardner Financial Planning.

 

Thursday, December 7, 2017

A brief discussion of college tuition inflation with Gardner Financial Planning. You can find more of our Money Minute videos on our Youtube channel under Gardner Financial Planning.

 

Wednesday, November 29, 2017

A brief discussion of the shift in company benefits plans with Gardner Financial Planning. You can find more of our Money Minute videos on our Youtube channel under Gardner Financial Planning.

 

Thursday, November 9, 2017

A brief discussion of the shift in company benefits plans with Gardner Financial Planning. You can find more of our Money Minute videos on our Youtube channel under Gardner Financial Planning.

 

Thursday, November 2, 2017

A brief discussion about compulsive spending with Gardner Financial Planning. You can find more of our Money Minute videos on our Youtube channel under Gardner Financial Planning.

 

Tuesday, October 17, 2017

A brief update on the future of self driving cars with Gardner Financial Planning. You can find more of our Money Minute videos on our Youtube channel under Gardner Financial Planning.

 

Tuesday, October 3, 2017

A look back over the last quarter and our thoughts on what it means for our clients moving forward. You can find more of our Money Minute videos on our Youtube channel under Gardner Financial Planning. Nothing contained herein should...

 

Tuesday, September 26, 2017

A brief discussion of getting bumped from your flight with Gardner Financial Planning. You can find more of our Money Minute videos on our Youtube channel under Gardner Financial Planning.

 

Thursday, August 31, 2017

A brief discussion of the current price to earning ratios of investments with Gardner Financial Planning. You can find more of our Money Minute videos on our Youtube channel under Gardner Financial Planning.

 

Thursday, August 24, 2017

A brief discussion of the new US military benefits program with Gardner Financial Planning. You can find more of our Money Minute videos on our Youtube channel under Gardner Financial Planning.

 

Wednesday, August 16, 2017

A brief discussion of how humans and machines will work together with Gardner Financial Planning.

 

Monday, July 24, 2017

A brief discussion of credit with Gardner Financial Planning.

 

Thursday, July 6, 2017

A brief discussion of picking the right college with Gardner Financial Planning.

 

Tuesday, June 27, 2017

A brief look at how later in life divorce affect men and women differently with Gardner Financial Planning.

 

Tuesday, June 20, 2017

A brief discussion of financial security with Gardner Financial Planning.

 

Tuesday, June 13, 2017

A brief discussion of the future of Social Security with Gardner Financial Planning.

 

Tuesday, June 6, 2017

A brief discussion of the current cost of weddings with Gardner Financial Planning.

 

Tuesday, May 30, 2017

A brief discussion of the importance of having self control with Gardner Financial Planning.

 

Tuesday, April 25, 2017

A brief look at enjoying retirement with Gardner Financial Planning.

 

Tuesday, March 7, 2017

A brief discussion of the emotions behind investing with Gardner Financial Planning.

 

Wednesday, March 1, 2017

A brief discussion of why Millennials are less mobile than past generations with Gardner Financial Planning.

 

Tuesday, February 14, 2017

A look at the future of jobs with Gardner Financial Planning.

 

Tuesday, February 7, 2017

A brief discussion of password security with Gardner Financial Planning.

 

Wednesday, February 1, 2017

A brief discussion about current job satisfaction with Gardner Financial Planning.

 

Tuesday, January 24, 2017

A brief discussion of spouses and retirement accounts with Gardner Financial Planning.

 

Friday, January 20, 2017

A brief discussion of Baby Boomers and Millennials with Gardner Financial Planning.

 

Wednesday, January 11, 2017

A brief discussion about paying down holiday debt with Gardner Financial Planning.

 

Wednesday, December 28, 2016

A look at the gender wage gap with Gardner Financial Planning.

 

Tuesday, December 20, 2016

A brief discussion of how the median household income is on the rise with Gardner Financial Planning.

 

Tuesday, December 13, 2016

A brief look at shopping for rental insurance with Gardner Financial Planning.

 

Tuesday, December 6, 2016

A brief discussion about the declining rate of home foreclosures with Gardner Financial Planning.

 

Tuesday, November 29, 2016

A look at the cost of eating out with Gardner Financial Planning.

 

Tuesday, November 15, 2016

A brief discussion of how the percentage of subprime credit is decreasing with Gardner Financial Planning.

 

Monday, November 7, 2016

A brief look at how physical fitness can affect your finances with Gardner Financial Planning.

 

Friday, October 28, 2016

A brief discussion about owning rental real estate with Gardner Financial Planning.

 

Friday, October 14, 2016

A brief discussion of child care costs with Gardner Financial Planning.

 

Friday, September 30, 2016

A brief discussion about the natural gas industry with Gardner Financial Planning.

 

Monday, September 26, 2016

A brief discussion about the rising cost of prescription drugs with Gardner Financial Planning.

 

Wednesday, September 14, 2016

A brief discussion about free college tuition with Gardner Financial Planning.

 

Tuesday, August 30, 2016

A brief discussion of how household net worth has increased and how the housing market continues to improve with Gardner Financial Planning.

 

Thursday, August 4, 2016

A brief discussion about caregiving for elderly family members and the impact it can have on your own financial future with Gardner Financial Planning.

 

Friday, July 22, 2016

A brief discussion of why 401(k) account balances differ between men and women with Gardner Financial Planning.

 

Thursday, July 14, 2016

A brief look at market volatility so far in 2016 and what it means for your investment strategies with Gardner Financial Planning.

 

Tuesday, July 12, 2016

In today's world we get more done, we can afford more “stuff”, we stay in touch with friends, we know more. Also in today's world we often feel that we can't catch up, we need more and better “stuff”, we

 

Thursday, June 30, 2016

A brief discussion of how student loan debt can affect retirement savings with Gardner Financial Planning.

 

Wednesday, May 4, 2016

In two previous blog entries, we have looked at changes in how future vehicles will be powered and how they will be driven. The convergence of several computer and communication technologies are creating change at an exponential pace.

 

Wednesday, May 4, 2016

​The first article in this series discussed how cars of the future might be powered. Now let's look at how they might be driven.

 

Wednesday, May 4, 2016

Thanks to new technologies, natural gas has overtaken coal as the primary fuel source in electricity generation. But it has also become a major player in city buses and in local trucking operations and delivery services. It has not been a s

 

Wednesday, May 4, 2016

With the passing of Congress' Path Act, the new legislation could switch the Government from a net drag on the economy to one that is supportive of growth.

 

Wednesday, May 4, 2016

2015 was a year of expectation. But 2015 was also a year of uncertainty. For each of the positive developments we encounter through the year, there were also concerns.