Trying to save for a child’s future college? Get to know your 529

Bray Creech, MBA, CPA, CFP®
Asheville Citizen Times — May 13, 2018

Can you imagine iconic brand names like Formula 409, Levi’s 501 and Heinz 57 without that funky alphanumeric mix? They sound like someone’s computer password.

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Financial advice: Generating income after retirement

Bray Creech, MBA, CPA, CFP®
Asheville Citizen Times — March 30, 2018

Generating cash flow in retirement is a conundrum for many people. Oftentimes, because retirement income is limited to Social Security or maybe a pension, there is an income gap between the cash coming in and the cash going out. And in today’s low-interest rate environment, filling that retirement income gap can be a challenge.

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Investing advice: 4 tips to beat the market from Bray Creech

Bray Creech, MBA, CPA, CFP®
Asheville Citizen Times — March 4, 2018

Recently a retired gentleman came to our office to interview us. Although he already had a financial adviser, things weren’t going well and he wanted to know about our process and services.

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Guest column: The importance of having an estate plan

Bray Creech, MBA, CPA, CFP®
Asheville Citizen Times — January 21, 2018

Many people perceive estate planning as being only for the ultra-wealthy. We believe, however, that estate planning is really about making sure your wishes are carried out during difficult life events, regardless of your wealth or income level.

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Bray Creech Obtains CFP® Certifications

Khrista Wood
December 22, 2017

Bray Creech has obtained his CERTIFIED FINANCIAL PLANNER™ certification. Bray has worked at Joel Adams – Raymond James Financial Services since 2014. He and Joel Adams, Registered Investment Advisor Representative, deliver a team approach to all …

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How to maximize your Social Security survivor benefit

Bray Creech, MBA, CPA, CFP®
Asheville Citizen Times — December 17, 2017

I recently heard a statistic that stopped me in my tracks: 80 percent of American men die married whereas 80 percent of American women die single.

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Financial planning: Your year-end to-do list, for balance and giving

Bray Creech, MBA, CPA, CFP®
Asheville Citizen-Times — October 22, 2017

I love making lists. I’ll make a list for anything: what to do at work, what to do on the weekend, what to worry about, what not to worry about. Compulsive list-makers know that lists keep us focused and that it’s incredibly satisfying to cross things off as we complete them. There are worse habits, right?

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Approaching retirement? Heed these tips for financial management

Bray Creech, MBA, CPA, CFP®
Asheville Citizen-Times — September 19, 2017

Recently I was talking with some friends, a lovely couple in their 60s who are contemplating retirement in the near future. Like many baby boomers, their retirement will not be supported by a pension.

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Socially responsible investing: Can it work in Asheville?

Bray Creech, MBA, CPA, CFP®
Asheville Citizens-Times — August 20, 2017

It’s fun to read some of the bumper stickers here in Asheville: “Clean and Green.” “Save the Earth, There’s no Planet B.” One of my personal favorites: “May the FOREST be with you.”

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Investment advice: ‘Emotional cycle’ will cost you money

Bray Creech, MBA, CPA, CFP®
Asheville Citizen-Times — July 9, 2017

There’s an adage that your investments are like bars of soap: The more you handle them, the smaller they get.

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May 29 means it’s time to plan kids’ college savings

Bray Creech, MBA, CPA, CFP®
Asheville Citizen-Times — May 14, 2017

I will go out on a limb and assume that May 29 — 529 College Savings Day — is not marked on your calendar. But if you’re a parent, grandparent, aunt or uncle, maybe it should be.

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Financial advice: Save for retirement or reduce debt?

Bray Creech, MBA, CPA, CFP®
Asheville Citizen-Times — April 13, 2017

When presented with many choices, especially if I like all the choices, I have a hard time committing to just one. At The Hop Ice Cream Café or Wedge Brewing Co., for example, I’m easily overwhelmed: “YES! I want all the ice cream, and I want all the beer!”

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Classical Meets Hip-Hop: Proud to Support “Mozartistic”

Writer
April 10, 2017

Supporting youth and the arts are longtime priorities for our office, so when the Asheville Symphony approached us about supporting its latest recording project, a CD titled “Mozartistic,” it was a perfect match. “Mozartistic” features Grammy-winning k …

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Guest financial column: Adding optimism to your plan

Bray Creech, MBA, CPA, CFP®
Asheville Citizen-Times — March 12, 2017

While it is well-documented that an optimistic attitude can improve your overall physical well-being, a positive approach may also improve your chances of achieving your financial goals.

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Guest column: Diversify your retirement tax burden

Bray Creech, MBA, CPA, CFP®
Asheville Citizen-Times — January 24, 2017

There is a lot of buzz about upcoming changes to the tax code. Lowering federal income tax rates is a known priority for congress and the incoming president. Whatever happens, it’s a reminder that federal and state tax rates are largely out of our control.

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Books for the holidays

Writer
December 21, 2016

This year, as a holiday gift in honor of all of our clients, we partnered with the YWCA Primary Enrichment Program (PEP) to provide a group of 80 local children a trip to Malaprop’s Bookstore to hear a reading and pick out a book to take home, read and …

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Advice column: Tips for Asheville’s nervous investors

Bray Creech, MBA, CPA, CFP®
Asheville Citizen-Times — December 11, 2016

I’m a nervous flyer. If there’s the least little bit of turbulence, the plane is about to crash — in my mind, at least. My heart races; I’m short of breath and white-knuckling the armrests for dear life.

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Financial advice: Planning your year-end giving

Bray Creech, MBA, CPA, CFP®
Asheville Citizen-Times — November 8, 2016

It probably comes as no surprise to you that humans sometimes make irrational decisions — especially when it comes to managing our money.

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Columnist: How grandparents can help grandchildren with college

Bray Creech, MBA, CPA, CFP®
Asheville Citizen-Times — October 3, 2016

Growing up, my favorite set of TV grandparents was Russell and Anna Huxtable from “The Cosby Show.” Cliff’s parents — remember them?

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Financial colunn: Behaviors that sabotage your savings

Bray Creech, MBA, CPA, CFP®
Asheville Citizen-Times — September 2, 2016

It probably comes as no surprise to you that humans sometimes make irrational decisions — especially when it comes to managing our money.

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Column: How and why to make IRA catch-up contributions

Bray Creech, MBA, CPA, CFP®
Asheville Citizen-Times — July 23, 2016

Perhaps your family is going through its own “Brexit” this summer: A child is going off to college or they got their first job, with a real salary. Or maybe they’re getting married and starting a family of their own. Whatever the case, you’re about to enter a new financial reality.

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Heading into your 60s? Here’s a retirement checklist

Bray Creech, MBA, CPA, CFP®
Asheville Citizen-Times — June 25, 2016

My mom just turned 69; she made many decisions in the last decade that significantly impacted her retirement. When you’re in your 60s, key decision points for your retirement planning can rapidly sneak up on you.

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