Danielle Howard
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Grey Matters 2.0!

There are more of them every day.  I may try to tame the grey hair on top of my head, yet I know they are going to win. The ones on my chin are another matter – that is a battle I refuse to lose. The

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We Plan – God And The Government Laugh

There is no direct financial route to your future.  It is a series of twists and turns, detours, backroads, highways and sometimes road closures.  As a Certified Financial Planner practitioner, I have

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Money Talks – You Can Too!

Why are financial conversations so difficult?  What is it about money that is so personal, intimate, and full of emotion that it rates right next to sex as a difficult topic for discussion?  Yet, these

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2023 Tax Trifecta

As we head into 2023, smart tax strategies will keep more money in your pocket now and down the road.  Here are three changes taking place and some ideas on how to optimize these new IRS rulings. Tax

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Lessons From The Grand Canyon

Returning from a week of rafting the upper Grand Canyon in early October, the memories are as vivid as the red mud stained on my clothes. What an adventure! There are parallels between a river trip and

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Three Powerful Ideas To Recalibrate Your Cash Value Life Insurance

My parents gifted me a cash value life insurance policy when I was in the process of “adulting”.  After purchasing a new policy to cover my needs, I decided to cash it out and buy a camcorder.  Remember

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You Have Them, I Have Them – How To Contend With Financial Regrets

“You don’t hear anyone on their deathbed saying I wish I would have spent more time at the office” became the flagship phrase for pursuing a life well lived.  Yet, regret remains the emotional catalyst

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Four Tips To Weather A Recession

Born in Colorado, I love the distinct change of seasons.  I have even come to embrace that we may experience all of them in one day!  We also have economic seasons and life seasons that we can gain a

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Declaration Of Financial Independence

As we celebrate our Nation’s independence this month, the price that is paid to protect it, our responsibilities to uphold it, and the blessings we receive because of it, I want to share how to take

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