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Preparing to swim in open water, what you need to know:
Swimming in lakes, rivers, and oceans all offer something special beyond the back-and-forth laps in a pool. Swimming with friends for fun or competitively in an event, open water distances can vary. As I expand my distance and discover how far I can swim out of...
Understanding the Difference Between Fixed Income and Equity Investing
Fixed income investing traditionally has been categorized as “safer” when compared to investing in equities. Why is that? Purchasing high quality debt tends to generate less volatility in returns when compared to buying companies. With less up/down in price, the...
Three actions to take after you file your tax return
Chances are your tax return is completed and payments (if any) have been made. This is a great time to reflect on the remaining eight months of 2023. How are you progressing towards your personal and financial goals? A periodic check-in can make the most of your...
Take Action in April for Financial Literacy Month
April is financial literacy month, a month focused on expanding one’s knowledge on a wide range of financial topics. Raising awareness on better financial decisions may lead to a more secure future. How? Perhaps by reading more, listening to podcasts, or...
A Case study in Cash Reserves
Every investor should evaluate their cash reserves before selecting an investment/s. Integrating your cash and investments together into a financial plan can be as simple or complex as your life requires. Let’s look at three different investors at varies life...
Finding Your Why: An Exercise to Clarify Priorities in Turbulent Times
There’s a sea of information for investors to sort through today. Our opinions and experiences shape how we handle money. As ideas become organized in our head, we establish a foundation from where decisions can be made. Over time, we manage new information and...
How To Control Your Cash Flow (So That It Doesn’t Control You)
Regardless of your age, cash flow determines your choices. Everyday decisions such as what we spend, where we live, and the destination of our next vacation are all cash flow based. Cash flow arrives from various sources including full-time employment, a side...
Understanding the Difference Between Risk and Volatility
Let’s clear up the confusion between risk and volatility when investing. Risks are real and consistently evolving. This requires an investor to periodically re-assess their exposure and comfort level. Examples include liquidity risk which is failing to set aside...
What is Your Definition of Enough? Quantifying Your Health and Wealth
Managing financial decisions are just as important as maintaining your health. Both require you to be intentional with your time and resources. Our happiness with our current dollars and fitness can often be tied to who we compare ourselves to. It’s natural, at the...
Pretax vs. After Tax vs. Roth – What’s Best for Your Retirement?
Tax diversification plays a key role in retiring successfully and staying successfully retired. Investors who embrace this approach while accumulating their wealth will have more choices at retirement. A challenge all investors face is the ever-changing tax...
Six changes arriving in 2023 to 401k, IRA, and 529 plan
SECURE 2.0 was signed into law December 29, 2022. Employer retirement plan, IRA, and 529 education plan changes are creating more choices for investors. Integrating these updates into your financial plan may allow you to make better, less reactive decisions...
Financial Planning Lessons from Your Grocery List
A grocery list and financial planning may have more in common than you think. Both are created with purpose by outlining necessities with some degree of time sensitivity. Both allow you to get more done instead of organizing items in your head. Consider these tips...
NoVa Magazine Top Financial Professional 2024 Winner
NoVa Magazine Top Financial Professional 2025 Winner
NoVa Magazine Top Financial Professional 2026 Winner
Northern Virginia Magazine's Top Financial Professionals 2024, 2025, 2026 winner—surveys were sent to all Northern Virginia financial professionals requesting they recommend other financial professionals whom they would refer to friends and family. Nominations were vetted by the Northern Virginia Magazine team. Winners announced in August of each year. This award is not based on investment performance.
Advisory services through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and Flowerstone Financial are not affiliated. Cambridge does not offer tax or legal advice.
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Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
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