Crossroads Planning

COVID, Stimulus Checks, and 2020 Taxes: Important Things You Need to Know

2020 was an extremely difficult and complex year for just about everyone. Between the COVID-19 pandemic, rising unemployment, and a contentious presidential election, most Americans are more than happy to say goodbye to 2020 and hello to the new year.  However, with tax season now underway, many are worried about how they will manage their […]

What the Biden Administration Means for Your Wallet

With the inauguration of President Biden now behind us, it is time to look ahead to what the next four years could look like — specifically as it relates to our finances.  While Biden has made some announcements regarding his desire to expand the Affordable Care Act (ACA) and Medicare, he has not been as […]

The New PPP Loan Bill and What It Means for Your Business

The latest COVID-19 relief package includes well over 5,000 pages of legalese and specific guidelines for how funds are to be used. In short, it’s a complicated document that provides billions of dollars in funding to a variety of programs and initiatives, including direct payments to qualifying Americans and a new round of PPP loans.  […]

What Dave Ramsey’s Baby Steps Are Missing

If you’ve ever done a Google search on personal finance, budgeting, or getting out of debt — there’s a good chance you’ve come across the name Dave Ramsey.  For those unfamiliar, Dave is a well-respected personal finance guru who staunchly advocates for debt-free living through his radio show, books, and popular course: Financial Peace University.   […]

With Interest Rates Nearing Historic Lows, Is Now the Time to Refinance?

Interest rates are at their lowest point in years, causing many homeowners to take a second look at their mortgage. If you’ve been considering refinancing your home, now may be the time to do it.  However, are interest rates going to continue to drop?  More importantly, is refinancing the best option for you and your family? […]