I work with individuals and families to help develop healthy money habits, including budgeting, debt
I have always been interested in personal finance, specifically the mindset and behavior of how people manage their hard earned money. I worked as a Financial Advisor for 3 years and saw just about every situation you could imagine, from the 20 year old who understood the value of saving early to the 65 year old who is wondering if/when they can retire. One of the most rewarding parts of my job wa
05/08/2022
If you’re struggling to pay down debt and feel like you aren’t making progress it can be tempting to pull money out of your retirement accounts. This “quick fix” can have a devastating impact on your long term financial wellness.
If you feel like this is your only way out, let’s talk today: https://bit.ly/apfinancialhome
05/03/2022
Staying on budget is hard! A couple of things I always keep in mind when I am working on our personal budget:
1. It's ok if it's not perfect every single month!
2. Focus on the 3 or 4 categories that can have the largest variance.
3. Consistency, consistency, consistency!
We use to track our expenses - our credit card is linked so we check the app to make sure transactions are categorized correctly. Once a week I will take a quick look at the "trends" tab to see where we are. If things look good I close it down and move on with my day. If I notice we are over budget I will dig a bit deeper to see why and make necessary changes.
Let’s talk together about how we can easily track your expenses - whether it’s like how my family does it or your own individual way, we can make a plan: https://bit.ly/apfinancialhome
04/30/2022
Do you understand the difference between account types and the investment itself?
I hear questions from clients that highlight the misunderstanding between an account type (IRA, 401k, HSA, 529) and the investment itself. This little misunderstanding can have a big impact on your finances long term.
Let’s avoid a misunderstanding - we can talk today: https://bit.ly/apfinancialhome
04/28/2022
My goal at AP Financial Coaching is to help you prioritize your spending and reach your financial goals!
Let’s get started today: https://bit.ly/apfinancialhome
04/25/2022
For those who don’t know me personally, I’m Adam!
My mission as a financial coach is to provide a safe environment where my clients feel supported and encouraged to build healthy money habits.
The financial services industry can be a daunting place for someone who is overwhelmed, fearful, insecure, or ashamed about their financial situation. During my time as a financial advisor, I saw this first hand.
That is when I realized my true passion for working one on one with clients to navigate the beginning stages of their financial journey.
The goal of financial coaching is to guide you and your family to a place of confidence with your finances to bring you peace.
We can find that confidence and peace together. Learn more today: https://bit.ly/apfinancialhome
04/24/2022
Here are 5 things you need to get started on your financial health journey!
We can talk about your financial journey if you need help starting or don’t want to start alone.
Get in touch today: https://bit.ly/apfinancialhome
04/18/2022
It’s Tax Day!
Remember - even if you have an extension, but owe money, you must make income tax payments by TODAY to avoid penalties and interest.
04/13/2022
Taxes are due this month!
April 18th is this year’s deadline, but you can file for an extension through October 15.
04/05/2022
If you find yourself thinking “I wish I’d prepared more” each time one of these deadlines is coming to a close then have a huge sigh of relief when you hear it’s been extended - let’s use this time to prepare.
Student loan payments will resume at some point…I have no idea when, but they will. Start paying yourself your loan payment every month - put that toward savings, investing, or paying down debt.
This will do 2 things:
1) build savings and/or reduce debts
2) you get used to not relying on that money in your everyday expenses.
when loan payments pick back up you simply divert that money back to your student loans.
03/29/2022
Let’s talk together about your financial “why” - make an appointment today: https://bit.ly/apfinancialhome
03/24/2022
Work your way to financial freedom!
There are a lot of voices out there telling you what you should be doing with your money, I don’t want to be another voice telling you what to do- I work alongside my clients to help them identify their financial goals, then we create a plan together that fits their lifestyle.
Book an appointment today: https://bit.ly/apfinancialhome
03/22/2022
I highly recommend using a separate card for work expenses!
I have seen many clients use the same card for personal and business expenses and it gets messy and confusing. By using a separate card for work expenses you know exactly what was work and what was personal.
If you're using a credit card, be sure to submit your expenses in a timely manner so you don't get caught waiting to get reimbursed when you need to pay the card off.
Let’s talk today about how we can manage your work expenses and personal expenses with different accounts: https://bit.ly/apfinancialhome.