Financially Free

August 27, 2021 | Alvin Carlos, CFA, CFP®

Blog: Should I Max Out My 401k?

Should I max out my 401(k)? This is a common question. After all, when it comes to retirement savings, isn’t more always better? In this blog, we will answer the common question about whether you should max out your 401(k), and things to consider before doing so. Before we answer the main question, let’s discuss […]

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August 23, 2021 | Alvin Carlos, CFA, CFP®

Blog: Solo 401(k)

Have you heard the term “Solo 401(k)” and wondered what it is? The name basically describes the plan. It is a 401(k) plan with only one participant. This plan is for those who own their own business and do not have any employees, so the business owner is both employee and employer in the business. […]

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August 12, 2021 | Alvin Carlos, CFA, CFP®

Blog: Emergency Fund: How Much Should You Save?

What would you do if your car needed major repairs? What if you lost your job or were hospitalized for a long time? These are things we don’t want to think about but they are very important to budget for. If you save for these types of situations it will make that stressful time a […]

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August 9, 2021 | Alvin Carlos, CFA, CFP®

Blog: Fidelity Index Funds for Beginners

Around 90% of stock mutual funds underperform index funds, while charging higher fees. Why would you pay more, for getting less? In this blog, you will learn all you need to know about Fidelity index fund investing! We’ll cover: What index funds are, why to choose Fidelity index funds, tips on how to create a […]

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July 8, 2021 | Alvin Carlos, CFA, CFP®

Blog: SEP IRA vs SIMPLE IRA (For Self Employed)

Are you self-employed or do you run a small business? Would you like to lower your taxes and start saving for retirement? This video teaches you two ways you can do this! At the end, we’ll do a SEP IRA vs SIMPLE IRA comparison to help you decide which is better for you!   

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July 6, 2021 | Alvin Carlos, CFA, CFP®

Public Loan Forgiveness Program

Blog: Can You Rely on Public Service Loan Forgiveness?

Many student loan borrowers spend years paying off their debt, but forgiveness programs can help cut that time down. The Public Service Loan Forgiveness (PSLF) program allows certain federal student loan borrowers to get their loans forgiven after at least 10 years of working in the public sector. While the potential to have your loan […]

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June 25, 2021 | Alvin Carlos, CFA, CFP®

Blog: Roth IRA vs Traditional IRA vs 401(k)

Should you contribute to a Roth IRA, Traditional IRA or a 401(k)? In this video, I’ll share everything you need to know about a Roth IRA, Traditional IRA & a 401(k), to help you decide which contribution to make.

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June 4, 2021 | Alvin Carlos, CFA, CFP®

Blog: FSA vs HSA: Which One Should You Get?

In this blog, we are going to discuss the ins and outs of Health Savings Accounts (HSA) vs Flexible Spending Accounts (FSA). Many people have access to both, and it can help you lower your taxes. If you’re wondering which is better for you, read on for the 13 most commonly asked questions about FSA […]

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May 24, 2021 | Alvin Carlos, CFA, CFP®

donate to charity

Blog: How Much Should You Donate to Charity?

Are you inspired to donate to charity this year, but you’re not quite sure how much to give? There are so many causes that need our support. Hunger, food insecurity, social justice, racial inequality, climate change, fair elections, cure for Alzheimer’s, cure for cancer, refugees, girl’s education, the list goes on. You feel called to […]

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May 18, 2021 | Alvin Carlos, CFA, CFP®

Blog: Solo 401k vs SEP IRA For Self-employed

Are you self-employed and want to invest your savings while lowering your taxes? Maybe you’re a realtor, interior designer, or a TikTok influencer, and you want to finally create your own retirement plan. Is Solo 401(k) or SEP IRA better for you? In this article, I’m going to share a side by side comparison of […]

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