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Gyb Spilsbury

How Does Property Tax Affect Your Living Standard?

by
Gyb Spilsbury
CFP® - Financial Advisor

November 15, 2024

The picture shows houses in two different neighborhoods to represent how property tax can differ from one town to another.

Many homebuyers do not think about property tax during their home search, but it can make a big difference in your living standard.

The SECURE Act 2.0 and Retirement

by
Gyb Spilsbury
CFP® - Financial Advisor

February 27, 2023

The picture shows an older couple hiking on a beautiful day to represent retirement and the SECURE Act.

The SECURE Act 2.0 builds on the initial SECURE Act of 2019, changing the retirement planning space, and increasing retirement flexibility.

Should You Have a Backup Budget? (part 2)

by
Frank Napolitano
J.D., CFP®, CFA® Charterholder - Senior Financial Advisor


Gyb Spilsbury
CFP® - Financial Advisor

January 25, 2022

The picture is of a life preserver to represent the wisdom of having a backup plan.

How do you create a backup budget and how can this exercise lead to a more nuanced risk capacity analysis?

Is It Time to Consider a Backup Budget?

by
Frank Napolitano
J.D., CFP®, CFA® Charterholder - Senior Financial Advisor


Gyb Spilsbury
CFP® - Financial Advisor

June 30, 2021

The picture shows dice on a stock report to signify risk and relate to a backup budget.

If you are flexible in your spending, creating a backup budget may measure your risk capacity more accurately, illustrating how much stock you can afford.

Sensible Scenarios: A Financial Plan Smoothed the Way to the Open Road

by
Gyb Spilsbury
CFP® - Financial Advisor

March 25, 2021

When the Burkes wanted to take some time off and travel, they asked a financial firm to create a plan to help them get on the road.

Sensible Scenarios: Dreams of an Arizona Retirement

by
Gyb Spilsbury
CFP® - Financial Advisor

November 20, 2019

Arizona red rocks and blue sky

A couple plan to retire in Arizona. When they move sooner than originally planned, they contact their Sensible Financial advisor to make it work.

My parents involved me in the financial aid process. It paid off.

by
Gyb Spilsbury
CFP® - Financial Advisor

July 26, 2019

The photo is of a graduation. There's no graduation without financial aid.

While researching financial aid and colleges with my parents, I learned about setting expectations, finances, and planning.

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This content reflects the opinions of Sensible Financial®. We may change it at any time without notice. We provide this content for informational purposes only. Although we endeavor to keep the information up-to-date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability for a particular purpose or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. We do not intend the information contained in this website as investment advice and we do not recommend that you buy or sell any security. We do not guarantee that our statements, opinions or forecasts will prove to be correct. Past performance does not guarantee future results. You cannot invest directly in any index. If you attempt to mimic the performance of an index, you will incur fees and expenses which will reduce returns. All investing involves risk. You can lose any money you invest. There is no guarantee that any investment plan or strategy will succeed.

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