Momentum Financial Planning LLC (2026)

01/01/2023

With a new year comes a chance to start with a brand new, fresh set of goals!

May 2023 bring you the financial prosperity and peace you've been working so hard to achieve. 😊

Happy New Year!

29/12/2022

Working out your capital gains taxes can be an intimidating undertaking.

But if you're able to strategize ahead of time by looking at your capital gains and capital losses for the year, you can optimize your overall tax liability.

Capital gains are generally subject to lower tax rates than ordinary income as long as you hold the investment for longer than one year (i.e. “long-term”); otherwise a short-term capital gain is taxed at ordinary income rates (i.e. the top tax rate from your W-2 job).

In order to accurately calculate and report these taxes, it's important to record your buy and sell transactions for every investment in a given year. Because you typically only owe capital gains tax when you sell your investment and “realize” that gain!

Netting out these activities, and even planning out your buy/sell activities in advance, can help reduce capital gain taxes. This is done by factoring in any capital losses that offset capital gains from other investments you hold.

By properly calculating capital gains taxes from multiple investments over the year, you'll have a better chance to minimize any unexpected surprises when April rolls around.

Most importantly, I'm here to help. With my experience as a CFP® professional and AFC®, I can provide you with the necessary tools and coaching to get you the most out of your tax returns this year.

Click the link below and schedule a free 15 consultation today!

https://momentumfinancialcoaching.com/contact

26/12/2022

Christmas is a special time of the year, full of love and joy.

On this beautiful day, take the time to let your loved ones know just how much you truly care.

Wishing you the most amazing time full of happiness.

From my little family of three to yours; Merry Christmas!

22/12/2022

We all have dreams of how our lives could look and the lifestyle financial freedom could bring.

I believe Ana Santos Vitel said it best; “If the dream is there, work, save, and invest until it is your reality.”

This is an inspiring reminder that with some dedication and clear direction, the financial life you dream of living can be yours!

But, without a thorough financial plan of attack, it's as if you started the marathon at the back of the crowd. The chances for mishaps and getting stuck part way through are much higher because of how you began.

The same applies to your finances.

This is why having a financial strategy and clear vision are such an important aspect to achieving your financial dreams.

When you focus on your established goals instead of wishing for them, aimlessly taking action, the sooner they become your reality.

If you've found yourself having dreams but lacking the resources and knowledge to achieve them, I am here to help!

As a CFP® professional and AFC® with extensive experience, I possess the information and tools to help you create the financial life you want.

Click the link below and schedule your free 15 minute intro call!

https://momentumfinancialcoaching.com/contact

17/12/2022

Interested in potentially saving hundreds of $$$ a year with little to no work?

Hundreds of thousands of Americans have free access to an FSA through their employers.

Flexible Spending Accounts (FSA) are tax-advantaged accounts that allow early career professionals to set aside money each month to pay for qualified medical expenses.

This type of account provides an attractive opportunity to maximize your medical budget and reduce your tax burden. The money you contribute goes directly into a separate account and is yours to use on all qualified medical costs.

Just don’t forget to spend the money in your FSA by the end of the year - use it or lose it!

Young professionals can drastically save on their healthcare cost by utilizing this remarkable feature.

Have more questions about how to leverage your FSA or looking for a financial coach who can help you build a secure financial future?

Click the link below to schedule with me now!

Link: https://momentumfinancialcoaching.com/contact

08/12/2022

With Christmas less than a month away, it’s healthy to remember this holiday season isn’t about breaking the bank.

It’s more than presents under the tree and goodies in the stockings. It’s about spending time with loved ones and creating memories you will cherish for a lifetime.

And this holiday season, it is more important than ever to remember this.

Now is not the time to spend your savings or rack up credit card debt, especially with the rise in cost of living and uncertain economic times ahead.

My family and I are huge proponents of living within your means no matter the time of year. This allows for that holiday cheer to last longer than just New Years Eve!

The last thing we want is for our family to have a magical time that’s full of laughter and love, to be followed by stressful nights worrying about our financial future.

If you need help financially planning this holiday season, I am here to help!

As a certified financial planner, I can give you the tools and knowledge to make sure your savings doesn't run light and that your holiday cheer makes it well into the New Year.

Click the link and schedule a time to meet with me.😊

https://momentumfinancialcoaching.com/contact

01/12/2022

If you're like any one of 340 million Americans, you may have the same lingering stress in the back of your mind; debt. Whether it’s credit card debt, student loans, medical bills, etc. Becoming free of any form of debt can bring a long awaited sense of relief.

At least it did for me when I finished paying off 70k in student debt 7 years ago.

Here are the three strategies I used to get out of debt and take back control of my finances.

First, take a close look at your spending habits. For me, online shopping was an easy way for me to cut back on some of my unnecessary spending and start making larger debt payments. For you it might be the daily Starbucks Chai Tea Latte. Maybe you’re seeing Amazon a little too often on your credit card statement. No matter where you cut back, the important thing is that you do. That money saved can make a big difference over time.

Second, consider consolidating your debts into one monthly payment. This can often be done through a personal loan or a balance transfer credit card. If used correctly, these tools can be wildly helpful! By consolidating your debts, you'll simplify your monthly finances and be less likely to miss a payment.

P.S. Sometimes you might even be able to secure a lower interest rate, to the tune of 3% one time vs. 23% compounding monthly!

Lastly, make a plan! Having a specific plan for getting out of debt will help to keep you motivated and on track. Take the time to map out when you'll make each payment and set up autopay so you never miss a payment. It might not be easy at first but I know you can stick to it!

Debt can be a major stressor in anyone's life. But don't worry, I'm here to help! These three tips will get you on track to becoming debt free in no time. Just remember to cut back on unnecessary spending, consolidate your debts and make a plan!

And if you ever have any questions along the way, feel free to schedule a time to meet with me and click the link below.😊

https://momentumfinancialcoaching.com/contact

24/11/2022

Did you know that 1 out of every 4 Americans can only afford to spend $100 when hosting Thanksgiving this year?😱

To make this 😱 a little easier to understand…last year, hosts spent an average of $391! This was even before food prices had skyrocketed!

Now some Americans not only have a significantly smaller budget, but are also having to spend more on the ingredients they need to cook.

Here are 4 ways you can save on Thanksgiving dinner this year.

1. Follow the deals
Nowadays, they are easier than ever to find thanks to apps like Ibotta, websites like Retailmenot.com, and storefront Weekly Ad booklets. As you plan out your deals “hit-list” and you start finding the different deals around town, don’t be afraid to make a shopping route. You don’t have to buy everything at the same store. Sometimes the savings make the added 5 minutes of driving worth it.

2. Buy in Bulk
Costco and Sam’s Club are probably on your regular shopping trips, but they can be especially helpful during the holidays! Discounted wholesale turkeys, bulk bags of potatoes, and even premade pumpkin pie can not only make your Thanksgiving shopping cheaper, but feeding a whole family a breeze!

3. Cook with Leftovers in mind
Repurpose the leftovers from your holiday feast! Turn the turkey into leftover turkey sandwiches, and cold sweet potato casserole for lunch. My favorite is the mashed potatoes and gravy (or maybe the homemade whipped cream)!

4. Split the cooking with friends and family
You don’t have to be responsible for everything! Make your meal potluck-style and split the responsibilities of cooking. Now everyone can share in the preparation!

Being on a budget doesn’t mean you can’t enjoy a delicious Thanksgiving dinner.

These tips will help you save money while still putting a feast on the table.

From my family to yours, Happy Thanksgiving!

Source: Dailymail

17/11/2022

MONEY…

It’s a topic that's always on our minds but we don't talk about it nearly enough. We save, spend, and budget, and spend, then maybe spend a little more…often not thinking about the bigger picture when it comes to our finances.

Especially with the holidays coming up, here are 3 money tips that will help prepare you for your 2023 financial goals:

1. Make a spending plan and stick to it.
You’re probably tired of hearing this but it's worth repeating. Having a budget keeps you accountable to your financial goals. So grab that homemade Chai Latte, and lay out your regular expenses. You might realize you have more wiggle room than you thought… orrrrrr you might realize you need to cut up your credit cards. 😂😭✂️

2. Invest in yourself.
You 👏🏻 Are 👏🏻 Worth 👏🏻 It 👏🏻 Investing in your personal and professional goals is one of the smartest things you can do for your financial future. Look for courses that will help you level up your skill set and make more money in the long run. Learning new skills and diving into new topics is always a smart investment. You are your most valuable asset!

*And if you’re looking for a personal finance course that will change your life, click the link in the bio 😉

3. Live below your means
Avoid the temptation to “keep up with the Joneses''. It’s not wise to live beyond your means just because everyone else on Instagram seems to be doing it. Instead, focus on making more money and saving intentionally (right when your paycheck hits!), so when that opportunity to take a sabbatical and learn French abroad comes up, you can take it and not worry about where the money is going to come from.

Want to learn more about managing your finances and building a life of wealth and abundance?

Click the link now and learn more! 😊https://momentumfinancialcoaching.com/courses

17/08/2021

Taking care of your credit score unlocks so many financial opportunities. Swipe left to learn more about how to take care of your credit. Follow for more money moments, tips, and education!

03/08/2021

Money opens up a lot of doors and managing it with a financial advisor gives you the ultimate protection. Set up a chat with me today to learn how to protect your future.

20/05/2021

Make progress on your emergency funds today! Having 3-6 months’ of expenses can relieve financial stress and provide peace of mind.

Momentum Financial Planning LLC

01/01/2023

29/12/2022

26/12/2022

22/12/2022

17/12/2022

08/12/2022

01/12/2022

24/11/2022

17/11/2022

17/08/2021

03/08/2021

20/05/2021

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