The Real Cost of an Oversized Cash Buffer

Cash feels safe — but an oversized cash buffer can be one of the most expensive decisions in your financial plan. In this article, we help you quantify exactly how much long-term growth is lost when excess cash sits on the sidelines instead of being invested in a diversified investment portfolio.

Cash Flow and Budgeting, Financial Planning, General Financial Plan..., Personal Financial Pla...Chip Hymiller, AIF®, CFP®October 1, 2026investment management, investments, General Financial Planning, Emergency Budget, inflation, Emergency Fund

Understanding Differences in the “Flations”

Over the past 3 years, the word “inflation” has dominated the headlines. In the current environment, there seems to be some confusion among investors and consumers regarding this term and what is happening. Therefore, we thought it would be a good idea to go over some of the key “flation” terms and clarify what each means and where we are today.

Cash Flow and Budgeting, Financial Planning, General Financial Plan..., Personal Finance, Personal Financial Pla..., Retirement PlanningDave TrettelJanuary 21, 2025Economy, financial planning, General Financial Planning, Personal Finance, personal financial planning, Retirement Planning, Retirement Plans, investing, inflation