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David Shotwell

Saving When Interest Rates Are Low. Iron bench on dock by lake in the fall

Four Tips for Saving When Interest Rates are Low

Do you have money in savings that could be working better for you somewhere else? Interest rates are low right now. That’s great if you are a borrower, but not so great if you have savings in the bank. With all the economic upheaval from the Covid – 19 Pandemic, […]

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Improving Your Relationship With Money. Beautiful row of trees along a road and a yellow autumn field

Improving Your Relationship With Money

How would you describe your relationship with money? Money can’t buy you love. It’s as cliché as a cliché can be, and so it is also mostly true. Trying to buy love, or buy happiness, is a fool’s errand. But, as with most things in life, the relationship between love, happiness, […]

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Financial Planning Companies. beautiful stone path and doorway with flowers

Types of Financial Planning Companies

This article and podcast explain the different types of financial planning companies and how they get paid. Choosing a financial planning firm to help you map out your future is not an easy task. There are several types of financial advisors who all charge clients a little bit differently. At […]

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Employer's Retirement Plan. Field of yellow flowers with house in the distance

Getting Started in Your Employer’s Retirement Plan

Starting a new job that offers retirement benefits is great. But your employer’s retirement plan can offer a bewildering array of choices if you’re not used to the language of savings and investing. The good news is that getting started in retirement savings requires making only a few straight-forward decisions […]

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MSU Retirement Plan Match Reduction. Old brick wall with lots of purple wisteria flowers covering it

Coping with the MSU Retirement Plan Match Reduction

In response to the financial uncertainty caused by the Covid pandemic, Michigan State University has reduced salaries and cut the match to employee retirement plans. Previously, the university contributed 10% to employee retirement plans if the employee contributed 5%. The university administration is calling the cuts temporary, in hopes of […]

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Michigan State University Salary Cuts. Fall scene with stone cottage, walkway and fence

Dealing with Michigan State University Salary Cuts

Are you affected by the Michigan State University salary cuts? There’s a lot of uncertainty in the world of higher education right now. Universities around the country are trying to figure out what Covid-19 will mean for students and instructors as we head into fall and winter. With the new […]

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2020 Election. Brick and stone outside stairway with iron gate and red flowers

How Will the 2020 Election Affect the Stock Market?

Does the 2020 election have you thinking about your money? Every four years America goes through a Presidential election. Every four years clients ask where we can move their portfolios to be safe if one side or the other is victorious. This year is no different. With political passions higher than […]

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