ocotillo financial advisor

Build a Solid Financial Foundation

Creating a solid financial foundation can help investors stay focused no matter how the markets are performing. When the markets and the economy are behaving badly, as they tend to do from time to time, it’s easy to feel helpless. But creating a solid financial foundation can help you gain control of your investments and possibly avoid mistakes that can sabotage …

ocotillo financial advisor

Keep Your Head in the Game: Avoiding Mental Errors When You Invest

Investors may want to avoid these common errors when saving for retirement. In the sports world, a mental error can cost your team the big game. When you are investing, a mental error can put your retirement portfolio at risk. Mistakes often result from letting misconceptions and emotions affect your decisions. Successful investing generally requires logic and reasoning. To avoid …

student loan debt

Tackling Student Loan Debt

What options do you have if you risk a default? Have you made a federal student loan payment in the last three months? About 11% of federal student loan borrowers have not and are therefore in default. That default rate only represents the borrowers entering repayment.1 More than 8.1 million Americans are behind on federal student loan payments. If you …

money management arizona

50%, 20%, 30%: A Money Rule to Consider

One rule that can help you budget your income. Try the 50/20/30 technique for managing your household money. Applied over time, it may improve your financial picture. Here’s how you can do it: Assign 50% of your income to essential expenses. Think food, rent, transportation costs, and utilities. Try to avoid using up more than half your monthly income for …