Pluto Wealth Management

03/25/2025

Wondering what you should do with your tax refund this year? Here are 6 ways you can use your refund to reach your financial goals faster.

First, cover any essential needs and high-interest debt payments. After that, you've got options.

03/13/2025

If tax season stresses you out, you’re not alone. Research shows nearly 1 in 3 taxpayers say the thought of filing their taxes makes them want to cry. But there is some good news: According to the latest IRS data, the average refund amount this year is $3,453—an increase of 7.5% compared to the same time last tax season.

Tax season brings 1 in 3 Americans to tears, but with IRS data indicating above-average refunds, the stress might be worth it.

02/26/2025

Whatever your financial goals may be this year, from going back to school to buying a house to getting married, I can help you create a financial plan for achieving that goal during a Financial Goal-Setting & Planning session. Learn more at https://plutowm.com/pricing/

02/11/2025

Time is your most valuable asset in two important ways:

1) Time is a finite resource. Once it’s gone, it’s impossible to get back. How you choose to spend your time will ultimately determine the kind of life you lead, so it’s important to spend it wisely.

2) Time is the most important factor when it comes to investing and saving for retirement. It’s best to start investing even a small amount early rather than waiting until you have more money later.

Working with a financial advisor can help you maximize the time you have and help you live the life you want.

12/20/2024

Ready to take the plunge and start working for yourself? Congratulations! Book a “Transitioning to Self-Employment” session with me and I’ll guide you through the key decisions and steps you need to take to set yourself and your new business up for success. Learn more at https://plutowm.com/pricing/

12/11/2024

Here’s a look at the most common investing strategies Americans are using:*

1️⃣ Buy and hold (56%)
2️⃣ Growth investing (53%)
3️⃣ Fractional shares investing (37%)
4️⃣ Direct indexing (32%)
5️⃣ Socially responsible investing (31%)
6️⃣ Robo-advisor investing (28%)
7️⃣ Thematic investing (25%)

If you don’t know what any of this means, don’t worry — that’s what having a financial advisor is for!

And if you’re not investing yet, it’s never too late to start, even with a small amount. The length of time your investment has to grow is infinitely more important than the amount of money you start with.

*Source: Charles Schwab 2024 Modern Wealth Survey

11/25/2024

Another year is coming to a close, which means each of us is another year closer to retirement. Are your retirement savings where you want them to be?

As part of my new Retirement Review service, I’ll review your retirement accounts, including what you’re invested in. I’ll then make recommendations on how to optimize your retirement funds, factoring in your retirement goals, age, and income.

Learn more at https://plutowm.com/pricing/

11/13/2024

Did you know that only 36% of Americans have a written financial plan? Here are the top reasons Americans give for not having one:*

- They don’t have enough money (43%)
- It’s too complicated (25%)
- They don’t have enough time (21%)

This is where working with a financial advisor comes in:

- I keep my rates low to help make my services accessible
- I simplify the process for you
- I spend time creating your financial plan so you don’t have to

Financial advising isn’t just for people who have wealth - it’s also for people who want to build it.

*Source: Charles Schwab 2024 Modern Wealth Survey

08/27/2024

Did you know that emotions often impact your financial decisions more than logic or reasoning do? Find out which ones (hint: 😱🤑😬😞) and how they work.

Why fear, greed, and anxiety can sway your financial decisions—and how to use that knowledge to make smarter choices.

08/15/2024

Here are 5 steps you can take today to improve your finances tomorrow:

✅ Take full advantage of your employer’s 401(k) match
✅ Move your savings to a high-yield interest savings account
✅ Automate your savings
✅ Create a monthly budget
✅ Check your credit score

More on how to do these things here: https://plutowm.com/5-steps-you-can-take-to-improve-your-finances-today/

07/31/2024

🏡 For many people, buying a home is part of the American Dream. It’s also a great way to build wealth over time.

😳 However, the path to homeownership can be challenging, and admittedly, isn’t an option for everyone.

🧭 But like any goal, if homeownership is something you want to pursue, a financial advisor can help you create a plan for how to get there.

07/26/2024

These were people’s top financial regrets from 2023, according to a Forbes Advisor survey:

🚫 Saved little to no money for retirement (19.8%)
💸 Didn’t take advantage of interest-bearing accounts (15.8%)
💳 Took on too much credit card debt (14.8%)
🧑‍🔧 Saved little to no money for emergencies (13.1%)
🏡 Bought more property than they could afford (5.9%)

Wouldn’t it be great if six months from now you could look back on 2024 and have no financial regrets? Working with a financial advisor can help get you there.