Your money questions pour in, and our most common answer is a single word: SHINE.

Described below, our five Keys to SHINE™ encourage you to: Save, Hedge, Invest, Navigate, and Economize.

• Save
• Hedge
• Invest
• Navigate
• Economize

You can also find insightful educational articles and commentary in our online web log, The Daily Compass.

Understand how a prudent savings plan can provide you with future capital. Demand better rates of interest from checking and savings accounts.

Saving Tips:

• Think About Short-Term Goals
• Select Appropriate Bank Accounts
• Make Savings Automatic
• Avoid All Account Fees
  

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Expect the unexpected, and minimize the effects of negative financial events. Take action to improve your physical, mental, and emotional health.

Hedging Tips:

• Establish an Emergency Fund
• Understand Various Health Insurance Options
• Purchase Property, Casualty, and Liability Insurance
• Practice Risk Reduction Techniques (i.e. Wear a Seatbelt, Exercise, Sleep Well, Pursue Hobbies, Adopt a Pet, etc.)

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Increase your net worth through various investment options and other long-term decisions. Consider the effects of taxes as well as your own risk tolerance, time horizon, and temperament.

Investment Tips:

• Create and Follow a Specific Plan
• Maintain Proper Financial Records
• Set Realistic Goals
• Diversify Your Holdings

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Learn and implement positive financial habits. Remember, nobody cares more about your money than you. Knowledge and preparation are critical in achieving financial independence.

Navigation Tips:

• Learn the Fundamental Concepts of Personal Finance
• Talk with Friends & Family About Money
• Read Books, Magazines, and Websites
  

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Spend wisely. Manage your cash flow and understand the difference between assets & liabilities as well as wants, needs, and wishes.

Economy Tips:

• Prioritize Your Dollars
• Manage Household Cash Flow
• Control Spending
• Compare Borrowing Options
• Eliminate Bad Debt
  

CFP^®, CERTIFIED FINANCIAL PLANNER™ and CFP (with flame logo) are certification marks owned by Certified Financial Planner Board of Standards Inc.  These marks are awarded to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

Member, The Garrett Planning Network, Inc., an International Affliliation of Fee-Only Advisors. As-Needed Financial Planning and Advice...The New Choice for Smart Consumers™.