Expecting the Unexpected: Budgeting for Unpredictable Careers
Conventional financial planning advice is starting to show its age. It was originally intended for people with a stable salary,…
Meet our Summer Intern Class of 2026!
This summer, we are thrilled to welcome five stellar interns to the AFM team! Zach Di Girolamo, Isabella Che,…
Estate Planning: Protecting Complexity and Preserving What Matters Most
As your income and net worth grow, estate planning often takes on new dimensions of complexity. Simple planning decisions can…
The Psychological Side of Money: Managing Stress and Decision Fatigue
Picture this: you’re wrapping up another demanding workday when you take a moment to glance at your investment portfolio. The…
Understanding Long-Term Retirement Risk
Reaching retirement is an incredible achievement, but it’s important to think of that next stage as a long‑term plan, not…
Organizing Your Retirement Priorities: Turning Intentions into a Sustainable Plan
Retirement is not just a financial milestone; it is a life transition. For many people nearing or already in retirement,…
Your First Financial Plan in Your 30s
While far from it, turning 30 is often portrayed as the beginning of the end. Sure, things begin to get…
Top Colleges Are Making Tuition Free for Middle-Class Families—How You Can Qualify
Paying for college can feel like an insurmountable challenge, especially for families who earn too much to qualify for lower-income…
Navigating the Transition to Retirement
Retirement is not the finish line, but a significant life transition that marks the beginning of a new journey, demanding…
Meet our Spring/Summer Intern Class of 2025!
This spring and summer, we have had the pleasure of welcoming three talented interns to the AFM team. We…
Longevity Planning: Redefining Retirement in an Age of Longer Lives
Retirement was once a relatively short chapter in life, with most people stepping away from work around age 65 and…
A Financial Guide to Buying Your First Home
Buying a home is one of the most exciting – and financially significant – decisions you’ll ever make. Like any…
The Financial Implications of AI
In recent years, artificial intelligence (AI) and automation have moved from the realm of science fiction to our everyday reality.…
Money and Meaning: Aligning Your Finances with What Matters Most
When it comes to money, it’s easy to focus on numbers—budgets, returns, and debt ratios. But real financial success isn’t…
Expanding 529 Plans: A New Pathway to Career Growth and Workforce Development
529 Plans are getting much needed attention from Congress. The SECURE Act 2.0 introduced the ability to roll excess or…
Stay Ahead This Tax Season: Maximizing Deductions with 2025 Tax Law Updates
As we approach the April 15th tax filing deadline and put a close to the 2024 tax year, there are…
Retirement Planning for 2025 and Beyond: Adapting to a Post-Pandemic Economy
The landscape of retirement planning is shifting as we move further into a post-pandemic economy marked by inflation, market volatility,…
Any Credit Card Success or Failure Starts With Understanding Your FICO Score.
Your credit score is an integral part of your financial picture. It stands as one of the most important metrics…
Beyond the Ballot: The 2024 Election’s Impact on Your Investments
2024’s massive election year, in which over 70 countries are holding elections, is coming to a head for us as…
Charitable Giving in 2024 and Beyond: Key Trends and Developments
Now that we are well into the second half of the year, we can reflect on how the landscape of…
Income Strategies in Retirement
Retirement is an important milestone in life that you work tirelessly to achieve. While retirement can be exciting. it also…
Does it still make sense to downsize in today’s market?
Traditionally, downsizing from a larger home has been a strategic move for retirees looking to simplify their lives and bolster…
Be Prepared for Life’s Future Events!
In February, my coauthor Dr. Mary R. Donahue, Ph.D., and I released the sixth edition of On Your Own: A…
What You Need to Know About Retiring in Another State
One of the secondary effects of the COVID pandemic and shift to remote work was an uptick in people moving…
Challenges and Solutions of Retirement
Retirement is a significant milestone that requires careful planning and strategic management. This process can present several challenges, and addressing…
Deciphering Investment Strategies: Unveiling the Dynamics of Passive and Active Investing
In the world of finance, investors must decide how involved they will be with their investments or how involved they…
How Diversification and Smart Planning Can Better Inflation-Proof Your Finances
For the past couple of years, you’d be hard-pressed to go more than a few days without seeing, hearing, or…
Into the Sunset: How the Expiring TCJA Provisions May Affect Your Financial Plan
The Tax Cuts & Jobs Act (TCJA), passed by former President Trump at the end of 2017, was the first…
Medium-Term Financial Goals
The conversation surrounding financial goals typically focuses on the short and long term. Which makes sense, of course. Naturally, people…
Insights from Nicolette & Josh, CFPs® and Enrolled Agents
Welcome to Numbers and Nuances: Making the Tax Code Simpler, your go-to source for insightful articles and short-form content updates…
Bonds Bounce Back
As a decade of low interest rates came to a rapid end, bonds did not act like themselves in 2022,…
Game Plans for Success: Building a Diversified Portfolio vs. Crafting a Winning Fantasy Football Team
In the realms of finance and sport, strategic planning and diversity play pivotal roles in achieving success. Building a diversified…
Year-End Estate Planning Checklist
As we depart the holiday season, you may want to consider reviewing your current estate plan. As busy as this…
What’s New in Charitable Giving?
For non-profit organizations and charitable foundations, the beginning of the Fall season is eagerly anticipated each year; and it’s not…
Year-End Tax Review: Your Comprehensive Guide
Presented by Nicolette Davicino, CFP®, EA As an Enrolled Agent who incorporates a tax lens into my work here with…
State of Crypto 2023
Crypto Compass is excited to be back and bringing you up to speed on the latest news and trends in…
How to Stay Safe With Online Payment Tools
Online scams are growing increasingly prevalent, and they continue to get smarter. I remember a family friend who fell victim…
Why to Keep Saving for Retirement
Most of us work hard for several decades with the goal of someday being able to retire comfortably. But while…
Slaying the Beast: Tips for Paying off Debt in a High-Interest-Rate Environment
Inflation has been a hot topic in finance for more than a year. The Federal Reserve has steadily increased interest…
Healthy Financial Habits and Investment Plans
How to set yourself up for success by creating an investment plan and staying the course. Creating an investment plan…
History of Armstrong, Fleming & Moore, Inc.
In April, our firm will be 40 years old. To put those years in perspective, on April 1, 1983, the…
Survive and Advance
March is my favorite time of year. I like the way the transition in the sports world in March…