Boatman Financial Management

04/22/2025

A powerful visual on how inflation impacts purchasing power over time

In 1933, $20 could buy a 1 oz gold coin. Today, it takes over $2,000 to buy that same ounce.

This isn’t about gold — it’s about understanding the silent risk of inflation on your dollars. The real question: Is your financial plan designed to keep pace with the rising cost of living?

Disclaimer: This is for informational purposes only and not a recommendation to buy or sell any specific investment. Past performance does not guarantee future results. Investing involves risk, including the potential loss of principal.

04/17/2025

🌿 Spring Clean Your Finances: 3 Simple Ways to Refresh Your Plan

Spring is the season of fresh starts — and that applies to your financial life, too. Here are three smart ways to “tidy up” your finances this week:

Review Your Subscriptions
Over time, small recurring charges can add up. Take a few minutes to cancel anything you no longer use or need.

Update Beneficiaries
Life changes — marriages, births, and other major milestones. Make sure your retirement accounts and insurance policies reflect your current intentions.

Increase Your Savings Rate
Even a small bump in your monthly contributions to savings, investments, or retirement accounts can have a big long-term impact.

A little financial housekeeping now can create clarity and confidence for the rest of the year.

If you’d like help reviewing your plan, I’m here when you’re ready.

This content is for informational purposes only and is not intended as personalized financial advice.

04/15/2025

💡 Give generously. Save on taxes.
With Easter coming up, a lot of my clients are in the spirit of giving.

If you’re age 70½ or older and give regularly to charity—there’s a way to do it that might also help lower your taxes.

It’s called a Qualified Charitable Distribution (QCD), and here’s why it matters:

Most people give out of their monthly income—from pensions, Social Security, or investment withdrawals—and pay income tax on that money first.

But with a QCD, you can donate directly from your IRA, and the amount you give is not included in your taxable income.

▶️ Give $5,000 to your church from your checking account? That could cost you $6,500 or more before taxes.
▶️ Give $5,000 as a QCD from your IRA? You give the full amount, tax-free.

It also counts toward your Required Minimum Distribution (RMD) if you’re already taking those.

If this sounds like something you—or a parent—might benefit from, I’m happy to walk through it.

This post is for informational purposes only and should not be considered tax or investment advice. Please consult your tax advisor to determine what’s appropriate for your situation.

04/10/2025

Ever look back and wonder where your money went? This simple rule helps you pause before impulse spending takes over. Try it once—you’ll be surprised how often you walk away feeling empowered.

Educational only. Not financial advice.

04/08/2025

What have we lived through in the past 5 years?

• A global pandemic
• Lockdowns and layoffs
• 40-year-high inflation
• War in Europe
• Recession fears
• Rising interest rates
• Bank failures
• A bear market
• Political chaos
• AI disruption

And yet… the S&P 500 is up nearly +119% over that same time.

📈 This is why we zoom out.
📉 This is why we stay the course.
🧠 This is why we don’t let headlines drive our investment decisions.



Past performance is not indicative of future results. Indexes are unmanaged and not directly investable. This is for informational purposes only and should not be considered investment advice.

04/03/2025

One of the easiest ways to start budgeting? The 50/30/20 Rule
It’s not about perfection — it’s about direction

💡 Need help figuring out where your money’s going? I can help

04/01/2025

We’re still land-based (for now)
But if your dream retirement includes a boat, we can help you chart a course

Happy April Fools!

This post is for entertainment purposes only and does not constitute financial advice

03/27/2025

You can't always control market volatility or unexpected life events. But you can always approach them with a good attitude and a solid financial plan. Staying focused and resilient through the ups and downs makes all the difference.

03/25/2025

10 Biggest Money Mistakes People Make 🚩
Are you making any of these common financial mistakes? Avoid them and watch your financial health improve! 📈💪

✅ Want to discuss your financial plan? Let's chat! 📲💬

Disclaimer: This content is for educational purposes only and is not financial advice.

03/21/2025

Had a great meeting this morning with Business by the Bay!
Packed house once again. Always inspiring to connect with local professionals dedicated to growing their businesses

03/20/2025

03/17/2025

Are Small Expenses Adding Up More Than You Realize?

We often don’t think twice about everyday spending—$6 coffee, $15 takeout, etc. But let’s do the math:

☕ Morning coffee: $5.50
🥗 Lunch out: $12.99
⚡ Afternoon energy drink: $4.50
🍽️ Takeout dinner: $18.25
🥤 Smoothie: $6.50

Total for the day: $47.74
Monthly: $1,432.20
Yearly: $17,425.10

That’s enough to make a significant impact on long-term financial goals, whether it’s building savings, investing, or funding a future purchase. Small choices can add up over time.

What are some mindful spending habits you’ve found helpful? Let’s discuss!

(For informational purposes only. Not financial advice.)