Join us: Maximize Your Social Security Benefits webinar, Wednesday, August 28, 2019 at 7:00pm (Eastern)

Bray Creech, MBA, CPA, CFP®
— August 21, 2019

With thousands of complex rules and hundreds of claiming options, creating a plan of action for Social Security can be an overwhelming prospect — and one Social Security misstep could leave you missing out on hundreds of thousands of dollars over a lif …

read more

New website highlights essential investor rights

Bray Creech, MBA, CPA, CFP®
— August 13, 2019

A new website was launched today at investorrightsforum.com that brings together data and investor perspectives on the right to file shareholder proposals. The website is in response to proposed efforts to roll back those essential investor rights.    …

read more

Mistakes that can sabotage your retirement savings

Bray Creech, MBA, CPA, CFP®
Citizen Times — July 25, 2019

Recently an older gentleman called our office in a bit of a panic. He asked if we could we see him right away. He didn’t say what it was about — only that it was urgent. He wasn’t a client, but, nevertheless, we allotted some time to meet with him that week. When he arrived, he brought a statement of his accounts from a major online stock trading platform. He was a do-it-yourself investor. Nothing wrong with that. But, before he turned his statement over to me, he declared with utmost confidence, “I believe marijuana is the future.”

read more

July 2019 Letter to Clients

Joel-and-Bray
— July 8, 2019

July 2019 “Oh when I look back now / That summer seemed to last forever / And if I had the choice / Yeah, I’d always wanna be there / Those were the best days of my life…” “Summer Of ’69,” single by Bryan Adams, from his 1984 album Reckless As we wri …

read more

Family, Money and Values

Bray Creech, MBA, CPA, CFP®
— July 3, 2019

How to you talk with your children or grandchildren about money? How does your family’s relationship to money reflect your values? How can they learn to manifest those values through your assets? We invited attorney Zac Lamb with Ward & Smith, P.A. …

read more

Divorce and Social Security benefits

Bray Creech, MBA, CPA, CFP®
Citizen Times — June 17, 2019

One of the darkest (but funniest) movies I’ve seen about divorce is “The War of the Roses.” My favorite line is when Michael Douglas’ character asks Kathleen Turner why she’s seeking a divorce and she responds, in that sultry voice: “Because. When I watch you eat, when I see you asleep, when I look at you lately, I just want to smash your face in.”

read more

Before You Buy: Things to Consider About Hot New Stocks (Video)

Bray Creech, MBA, CPA, CFP®
— May 19, 2019

Have I got a hot new stock tip for you! Alright. I’m kidding. (Kind of.) But if that first sentence caught your eye, then I bet something else has captured your attention, too. Recently, a flurry of new companies hit the public markets for the first ti …

read more

Diversify your tax bill in retirement

Bray Creech, MBA, CPA, CFP®
Asheville Citizen Times — April 21, 2019

This tax season, as folks prepared returns under the new federal tax law, I’m hearing a range of experiences that remind me of an amusement park. That is, there are more ups and downs than the average rollercoaster.

read more

HSA investing pays for more than doctor visits. It could help in retirement

Bray Creech, MBA, CPA, CFP®
Asheville Citizen Times — March 3, 2019

Can you say “triple tax-advantaged” five times fast? Me either. But, now that I have your attention, let me add a triple tax-advantaged tool to your arsenal — because anything triple tax-advantaged deserves an exclamation point (or two). Often referred to as an HSA, a health savings account is a (triple!) tax efficient way for individuals to save for health care expenses. And even though HSAs have been around for a while now (they were created as part of the Medicare Modernization Act of 2003), I still find that many people who might benefit from HSAs know little about them.

read more

10 retirement milestones you should know

Bray Creech, MBA, CPA, CFP®
Asheville Citizen Times — January 27, 2019

If you’re between the ages of 50 and 70½, and one of your New Year’s resolutions is to do a better job of planning for your financial future, then this column is for you. If you’re not quite there, age-wise, this is still for you; with healthy living — sprinkled with a dash of luck — you’ll reach these important milestones for making key financial choices

read more