When I left full-time employment in July of 2020 to launch Copper Seed, my steady income became variable.  And, since I worked from home instead of an office, my expense structure changed. Creating a budget with a variable income...

by Sophia Carpenter Obtaining a credit card is one of the first big steps we take in our own personal financial journey. They can be really exciting…but they can be scary, too. Credit card debt can quickly snowball if you’re not paying attention. The key is to buy...

you As you prepare for the New Year, be sure to make these financial moves by year-end. To help you prepare, we’ve outlined items you should address before year-end and those you can schedule to organize for 2022. Address these items before year-end Flexible Spending...

You might wonder if you can take on the risk involved with investing. You certainly shouldn't invest in anything you’re not comfortable with, and this blog isn’t meant to offer investment advice. But, it's important to understand the nature of 4 common investment...

In our last post, we discussed the role of investments in a complete financial strategy. But what is an investment? How does it work? And, what are the different types of investments you might include in your portfolio? We’ll answer these questions today. This blog is...

Several of our clients have asked us why they should invest. We’ve worked with countless clients who contribute to their retirement accounts but leave the money in cash. We also have clients who've built a sufficient cash reserve but continue to add to their cash...