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Starting A Budget

The Steps for Starting a Budget

Are you committed to starting a budget? Budgeting is like dieting. Most of us aren’t good at it. Our brains are wired for instant gratification, not delayed consumption. Making people think about such things can be an uncomfortable part of being a financial planner. I must confess that budgeting does […]

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Market Predictions

Prediction Season!

It’s that time of year: Prediction Season! Along with new year’s resolutions, it’s time for economists and money managers to make market predictions. Some will be gloom and doom, constructing elaborate arguments about how the market is greatly overvalued and about to crash. Others will be optimistic, explaining why there’s […]

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Life Planning Is Financial Planning Done Right

Life Planning is Financial Planning Done Right

Life Planning is a personal approach to financial planning that starts with a conversation about your life goals and dreams. We often don’t give ourselves the time and space to really think about what we want for our lives now, in the near future, and in retirement As humans, we […]

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Learning About Financial Planning with our Intern Joel

Learning About Financial Planning with our Intern Joel

Here at Shotwell Rutter Baer, we have a genuine bright spot to brag about in 2020. We launched a Financial Planning internship program this year and were lucky enough to hire Joel. He is currently a senior in Michigan State’s International Business program. Last week, Nick and I sat down […]

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Individual Stocks

Why We Don’t Recommend Individual Stocks

Frequently when we meet people who handle their own investments, they like to talk about individual stocks. I can understand why. Individual stocks have a story that you can wrap your head around, such as Pfizer creating a vaccine for Corona Virus, to borrow from current headlines. Or Tesla bringing […]

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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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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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