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I started this Blog to help people navigate some of the more popular topics in Financial Planning from the perspective of a Fiduciary. 


Feel free to reach out directly to keep the conversation going! jyvars@capitaladvisorynh.com



Friday, March 24, 2023

Stagflation is a combination of stagnant economic growth and high inflation. This can occur when an economy experiences a slowdown in growth and productivity, but prices continue to rise. Stagflation can be difficult to address because...

Monday, March 20, 2023

Working remotely may provide certain tax benefits, depending on your individual circumstances and the laws in your state. Here are a few tax benefits that may be available to remote workers:Home office deduction: If you are...

Friday, March 17, 2023

Inflation is the rate at which the general level of prices for goods and services is rising, and subsequently, purchasing power is falling. Central banks attempt to limit inflation and avoid deflation in order to keep the economy...

Monday, March 13, 2023

A bucket list is a list of things you want to do before you "kick the bucket" or die. Here are a few ideas for bucket list living:Travel: Visiting new places and experiencing different cultures can be a rewarding and enriching...

Monday, March 6, 2023

A tax deduction is an expense that is allowed to be subtracted from your taxable income, resulting in a lower tax liability. Here are a few common tax deductions:Charitable donations: Donations to qualified charitable organizations may...

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Friday, March 3, 2023

Dave Ramsey, a financial adviser and radio show host, generally advises against taking out a car loan. He believes that paying cash for a car is a better financial decision because it allows you to avoid paying interest and reduces the...

Monday, February 27, 2023

In general, you are not allowed to use your 401(k) funds until you reach age 59 1/2 without incurring a penalty. However, there are a few exceptions that may allow you to use your 401(k) funds early:Hardship withdrawal: If you are...

Friday, February 24, 2023

A money market account and a savings account are both types of deposit accounts that are designed to help you save money and earn interest. However, there are a few key differences between the two:Interest rates: Money market accounts...

Monday, February 20, 2023

There are a number of ways you can invest ethically, depending on your values and financial goals. Here are a few options to consider:Socially responsible investing (SRI): SRI involves investing in companies that meet certain social...

Friday, February 17, 2023

Putting down a 20% down payment on a home is generally considered a good rule of thumb because it can offer a number of benefits. Here are a few reasons why putting down 20% on a home is important:To avoid private mortgage insurance...

Tuesday, February 7, 2023

The amount of cash you should keep in the bank depends on your individual financial situation and needs. Here are a few factors to consider when determining how much cash to keep in the bank:Your emergency fund: It's generally...

Friday, February 3, 2023

Saving 15% of your income is generally considered a good rule of thumb for retirement savings. Here are a few reasons why saving 15% of your income is important:To ensure a comfortable retirement: Saving 15% of your income can help you...

Monday, January 30, 2023

Here are a few steps you can take to overcome a financial crisis:Assess your situation: The first step in overcoming a financial crisis is to assess your situation and understand the root causes of your financial challenges. This will...

Monday, January 23, 2023

Here are a few steps you can take to save money:Set a budget: The first step to saving money is to create a budget that includes a line item for savings. Determine how much money you have coming in each month and how much you are...

Friday, January 20, 2023

Saving $100,000 in three years is a significant goal that will require careful planning and consistent effort. Here are a few steps you can take to reach this goal:Set a budget: The first step to saving $100,000 in three years is to...

Tuesday, January 17, 2023

Here are a few steps you can take to manage your money effectively:Create a budget: The first step to managing your money effectively is to create a budget. This will help you understand your financial situation and identify areas...

Wednesday, January 11, 2023

Here are a few steps you can take to get back on track with your finances:Create a budget: The first step to getting back on track with your finances is to create a budget. This will help you understand your financial situation and...

Sunday, January 8, 2023

Here are a few ways you can protect yourself from a stock market crash:Diversify your portfolio: One of the most effective ways to protect yourself from a stock market crash is to diversify your investment portfolio. This means...

Wednesday, January 4, 2023

An IRA (individual retirement account) is a type of personal savings account that is designed to help individuals save for retirement. There are two main types of IRAs: traditional IRAs and Roth IRAs.To open an IRA, you'll need to...

Wednesday, January 4, 2023

Personal Capital is a financial planning and wealth management firm that offers a range of financial services, including investment management, retirement planning, and financial planning. Some key features of Personal Capital's...

Sunday, January 1, 2023

Saving $5,000 in a year is a significant goal, but it is achievable with some planning and discipline. Here are a few steps you can take to save $5,000 this year:Set a budget: The first step in saving money is to create a budget that...

Thursday, December 29, 2022

Here are three easy steps for tracking your expenses:Gather your financial information: Start by collecting all of your financial documents, such as bank statements, credit card statements, and receipts. This will give you a...

Monday, December 26, 2022

Identify the expense: The first step in budgeting for a big expense is to identify exactly what you need to save for. This might be a down payment on a house, a wedding, a major home renovation, or another significant purchase...

Monday, November 7, 2022

Social Security is a government-run retirement and disability program that provides financial benefits to qualified individuals. Here are a few tips to help you get the most out of your Social Security benefits:Understand how Social...

Friday, August 19, 2022

As summer comes to an end and the excitement of a new school year begins, most parents dread the price tag associated with back-to-school shopping. And we don’t blame them! The amount of necessary supplies has climbed to new...

Monday, August 15, 2022

Despite progress toward financial planning and saving, women often face challenges regarding their financial security. These challenges can include more time away from the workforce (often caring for children or for parents), the...

Friday, August 12, 2022

As the struggle to control COVID-19 drags on, many of us experience periodic fatigue from distancing, negative headlines and future uncertainties. Staying disciplined when weary is difficult but crucial to short-term financial wellness...

Tuesday, August 9, 2022

When market volatility is headline news and account values start to fall, it’s easy to understand why investors get jittery. Even with a boatload of historical data to support us, in times of stress we all struggle to overcome...

Friday, August 5, 2022

Phew, what a roller coaster we’ve all been riding. There’s so much going on in the world right now, and a lot of it is less-than-happy news. Understandably, most of us have nagging worries about what’s going on in the...

Sunday, July 31, 2022

Good days and bad days are a fact of life in the market. Sometimes it’s up and we celebrate. But when it dips, we worry…and if it tanks, forget it: the first instinct for most of us is panic, and we wonder if we should just...

Monday, July 25, 2022

As the struggle to control COVID-19 drags on, many of us experience periodic fatigue from distancing, negative headlines and future uncertainties. Staying disciplined when weary is difficult but crucial to short-term financial wellness...

Friday, July 22, 2022

The person who first said “Don’t put off until tomorrow what you can do today,” didn’t understand the benefits of tax-deferred investing. This option allows you to defer paying taxes on investment returns until...

Friday, July 15, 2022

We know the market has experienced some volatility lately, which may provoke some anxiety when you open your most recent statement. It can be hard to stomach seeing some red in your account! But don’t be alarmed – changes...

Saturday, July 2, 2022

Like it or not, taxes are a way of life. They fund great things like roads, libraries and parks, but nobody wants to pay more than they absolutely have to. We often get questions like, “How can I balance my tax obligations with...

Wednesday, June 29, 2022

In light of recent worldwide events which have had significant impact on the markets, we wanted to proactively reach out to remind you that we are here to support you as we navigate these times of uncertainty. Knowledge is power, and...

Monday, June 20, 2022

For some households, student loan debt is their biggest monthly expense (after their mortgage). Chances are, these are people who borrowed $100,000 or more to earn an advanced degree, usually in law or medicine. If you or someone you...

Monday, June 20, 2022

Spring is in the air! That means so is baseball season, and for many of us, something else just as exciting: fantasy baseball leagues. But a common challenge for fantasy players is carving out the time to read through all the latest...

Monday, June 13, 2022

Wouldn’t it be nice if the stock market didn’t have such violent swings in either direction? Especially the dramatic downward plunges - we’d ALL like to avoid those! But the reality is, the markets include a certain...

Friday, June 10, 2022

The latest Consumer Price Index (CPI) report was recently released and confirmed what economists anticipated: consumer inflation has risen 7.9% over the past year, the largest spike since 1982— none of which is a surprise for...

Tuesday, June 7, 2022

It’s hard to ignore current news about persistent market volatility, and we’re guessing this has resulted in some anxiety about what (if anything) you should be doing. Please be assured that we are actively monitoring the...

Thursday, March 18, 2021

Tuesday, February 16, 2021

This video explains the important difference between someone that is a Fiduciary vs someone that is not. This video also discusses Real Professionals vs Non Licensed individuals that you find all over the internet. The perspective...

Tuesday, November 17, 2020

Feel free to check out my youtube video on Robo-Advising and some of the truths behind the concept. Hope you enjoy! Robo-Advising Youtube Link

Thursday, November 12, 2020

Hey Everyone, my latest blog post is below. I have been getting more and more questions about tax related accounts because of all the money that has been printed from Stimulus. Take a look! The person who first said “Don’t...

Monday, November 2, 2020

Hey Everyone, I wrote this blog! Hope you enjoy it... Feel free to share it with others There’s a great debate raging about what style of investment management is better, active or passive. And if you ask 10 different financial...