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Notes on money, transitions, retirement, taxes, estate planning, and the emotional side of wealth.

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Divorce Financial Planning, Financial Planning Kimberly A. Houston, CFP®, CRPC® Divorce Financial Planning, Financial Planning Kimberly A. Houston, CFP®, CRPC®

Michigan Divorce Financial Disclosure: What Form CC 320 Actually Requires

Somewhere between deciding and filing, most women sit down to list what the household owns and realize they can name about half of it. Michigan is going to ask for all of it anyway, on a specific form, on a specific deadline, signed under oath. Here is what that form actually requires.

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Financial Planning Kimberly A. Houston, CFP®, CRPC® Financial Planning Kimberly A. Houston, CFP®, CRPC®

Homeownership: The American Dream (or Not)

Buying a home gets sold as the ultimate milestone, so once life feels steady, many people reach for it as the obvious next step. But it isn't always the right financial move. Here's how to decide whether to buy or keep renting, why you shouldn't buy as much house as you qualify for, what owning really costs each month, and a step-by-step process if you decide to buy.

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Financial Planning, Money Psychology Kimberly A. Houston, CFP®, CRPC® Financial Planning, Money Psychology Kimberly A. Houston, CFP®, CRPC®

The Job-Change Financial Checklist (What to Handle Before You Give Notice)

A new offer is exciting, and that's exactly when the costly details get skipped: the unvested match, the equity that's worth less than it sounds, the coverage gap between jobs. This job change financial checklist covers what to handle before you give notice, plus the parts of the decision that have nothing to do with money.

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Insurance Planning Kimberly A. Houston, CFP®, CRPC® Insurance Planning Kimberly A. Houston, CFP®, CRPC®

Umbrella Insurance: The Coverage That Protects What You've Built (for a Dollar a Day)

You've spent years building income, savings, a home, a life. Umbrella insurance is one of the least expensive ways to protect all of it from a single lawsuit, and it's often the coverage high earners are missing. Here's how it works, how much you need, and why it costs less than you'd guess.

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Retirement Planning, Tax Planning Kimberly A. Houston, CFP®, CRPC® Retirement Planning, Tax Planning Kimberly A. Houston, CFP®, CRPC®

Retiring in Michigan: The Complete Financial Checklist

Retiring in Michigan comes with some real advantages, and a handful of deadlines and decisions that are easy to miss until they cost you. This is the financial checklist we walk clients through: the taxes, the property, the healthcare timing, the income plan, and the estate pieces, in one place.

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Money Psychology, Financial Planning Kimberly A. Houston, CFP®, CRPC® Money Psychology, Financial Planning Kimberly A. Houston, CFP®, CRPC®

Why You Still Feel Broke When The Numbers Say You're Fine

Some of the most financially successful women we work with still feel one bad month away from losing everything. The fear usually traces back to what money meant decades ago, long before they had any say in it. Here's what that pattern is, why it's not a character flaw, and how it can change.

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