There have been many new finance trends circling the internet through Instagram, Facebook, and TikTok – many of them about budgeting! Each one is a little different, and some look at the different aspects of budgeting, including saving and analyzing what you currently spend money on. 100 Envelope Challenge This challenge requires you to have…
Wondering how the One Big Beautiful Bill Act (OB3) signed into law on July 4, 2025, could impact your financial future? Melissa Joy, CFP®, president of Pearl Planning, breaks down this sweeping legislation—what’s permanent, what’s temporary, and what it means for your taxes, deductions, investments, estate planning, and more. In this comprehensive webinar, Melissa covers:…
Home Insurance Home insurance protects your home and the belongings inside it in the event of damage caused by fire, hail, tornadoes, or other covered events. The exact coverage depends on your policy, so it’s crucial to review it regularly to make sure it still meets your needs. An important caveat to this is that…
On July 4, 2025, President Donald Trump signed new policy and tax legislation named “One Big Beautiful Bill Act” (OBBB) into law. This bill included long-term tax policy as well as budget commitments and spending cuts that will be phased in (and in some cases out) over multiple years. This is an 800-page bill and…
Overview A Health Savings Account (HSA) is a tax-advantaged savings account that allows you to set aside money tax-free for qualified medical expenses. Unlike Flexible Spending Accounts (FSAs), your HSA belongs to you (not your employer) and stays with you even if you change jobs. You can also invest part of your HSA, allowing it…
As tax season wraps up, it’s essential not to overlook your tax return statement, particularly with the potential tax law changes that may come in 2025. Not only are your tax returns a compliance requirement, but they are also a strong financial planning tool to use when thinking about your financial strategy. At the bottom…