Blog
What’s on our mind? You can read about it in our blog. Whether it’s our travels, money ideas or emerging trends, you can read about it here. And once in a while, we may throw in a book review or some other surprise. So keep checking in. We’re glad to have you reading along.
Should You Worry About the Debt Ceiling?
What will happen to our country if the debt ceiling is not dealt with? How will this effect my accounts?
Read MoreA Retirement Plan Isn’t a Luxury – It’s a Necessity
As a small business owner, you’re always looking to attract and retain top talent. Offering a retirement plan is an excellent way to provide employees with a competitive benefits package while helping them save for the future....
Read MoreREMINDER: 5 Tips to Avoid Pitfalls During Market Declines
...historically, the stock market eventually bounces back and rewards those who ride out the storm. To quote investment guru Warren Buffett, “The market is the most ..
Read MoreWhat is the Cost of Missing a Market Rebound?
What does each downturn have in common? A robust recovery. While it can be painful to ride out the storm, historically the most pessimistic periods often…
Read MoreHow to Buy I Bonds Direct from the Treasury
With inflation hovering near 40-year highs, some investors are looking for alternative ways to weather the storm. For many, a Series I Savings Bond is just the ticket. I Bonds give investors a rate of return plus inflation protection...
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Time – Not Timing – Is the Best Way to Protect Gains
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...
Read MoreIs Inflation Peaking?
You see it in prices at the grocery store and the gas station. You feel it in your monthly budget. So why don’t the financial markets seem too concerned about inflation?Remember, financial markets are considered...
Read MoreDon't Just Meme Your News: A Note About Inflation
As the economy continues to recover from the effects of the pandemic over the past year, you may have noticed the term ‘inflation’ coming up in the news. But don’t let it scare you! The fact is, some inflation is...
Read MoreWeekly Market Insights: Delta Variant Concerns Markets
In a quiet week of news, stocks moved lower amid simmering concerns over the Delta variant’s effect on the progress of economic reopening.The Dow Jones Industrial Average declined 2.15%, while the Standard & Poor’s 500...
Read MoreDo You Qualify for the Child Tax Credit?
There are no two ways around it: childcare is expensive! In many cities, it can cost nearly as much as the mortgage or rent payment, which puts parents in a Catch-22: they have to work to afford childcare, but they need childcare in...
Read MoreIRA vs. 401(k): How to Choose
We know, at times, that retirement decisions can be confusing and there is substantial information surrounding the investment vehicles that can be utilized to reach your retirement goals. We thought we’d send along some...
Read MoreIRA Rollovers for Terminated Employees
Have you been let go at work? What happens to the money you have saved in your employee retirement plan?If you have been terminated by your employer, you have 4 choices when it comes to your retirement plan money:Cash it out (and lose...
Read MoreWays to Put Your Tax Refund to Work
Saving money is a bit like eating healthy, you know you should eat your veggies but it’s hard to resist indulging in something a bit more fun. Like making healthy choices, a tax refund can present the opportunity to splurge but,...
Read MoreIncome Tax Checklist to Stay on Track
Tax time is upon us and that means gathering all of your documents needed and getting them in one place to make filing your taxes as easy as possible. We thought it would be helpful to send along this handy checklist to help with that...
Read MoreLast-Minute Moves to Shrink Your Taxable Income
The end of the year is approaching and as a tax payer, you may be able to make some last-minute moves to improve your financial position come tax time. By making tax-free donations or contributions to retirement accounts, you can...
Read MoreLet's love people right now
Are you feeling the weight of our culture right now like I am? From back to school changes to angry banter on social media regarding our world has caused me to want to do something opposite of our culture. I am choosing to love people....
Read MoreTips for understanding the process and creating a plan for settling an estate
We’ve all heard the term “executor.” Being named an executor of a deceased person’s estate means being put in charge of carrying out that person’s wishes. But do you know all that being an executor...
Read MoreIRS deadlines
The IRS has officially moved this year's federal tax deadline to July 15th for both filing AND paying your taxes. This is good news to anyone who is impacted financially by the Coronavirus and may owe money on taxes this time around....
Read MoreCOVID-19 stay at home schedule
As our California governor gave order Thursday night, we are required to work from home. Therefore, we will not be operating from our downtown office as normal until the quarantine is lifted from our governor. During this time, we will...
Read MoreCOVID-19 update
Hey friends, We wanted to let you know that we are closely following the financial markets across the globe and the continued volatility that is impacting investor confidence. Global markets have been bracing for uncertainty as the...
Read MoreBeyond Busy
It appears that in our efficiency driven economy, we spout a mantra as we greet people that goes something like this, “How are you doing?” Answer, “Good, but I’ve been really busy”. Conversation ended. Who...
Read MoreSweet Summer Time
Growing up, part of my extended family lived in the Pacific Northwest. Almost yearly, my family made the trek in our 1988 Suburban to visit family and explore what nature had to offer. Armed with our Walkman and travel games, we hit...
Read MoreSurviving Digital Overload
Isn't sad when you are out at a restaurant and families are sitting around the table with their faces buried in their phones and tablets? Have we lost our... I'm taking a 5 day challenge.
Read MoreWhat a Ride!
Do you like rollercoasters? Some people wait in long lines to buckle themselves in and enjoy the rush of climbing and falling while relying on a harness to hold them in. It’s easy to find videos posted by people from the front...
Read MoreAsset Affluence vs Income Affluence
In our industry, the people we work with bring a wide variety of incomes, assets, investments, properties, possessions, and lifestyles. One of the conversations we have often is regarding asset affluence versus income affluence....
Read MoreFear based investing
Should I buy? Should I sell? Shortly after that thought, fear creeps in like and uninvited guest and you wonder if you are even on track for your retirement.
Read MoreYear-end Celebration
As we enter into the final month of 2018 we begin to evaluate our progress. Did I read all of the books I said I would? Have I served my local community as much as I wanted? Did we make good progress toward our financial goals? It can...
Read MoreCelebrate Good Times, Come On!
Throughout the year we have celebrations. Holidays and birthdays are generally noted and preparations are made to have family stop by and there is usually vast amounts of food included. We celebrate our nations birthday and the...
Read MoreCreating Margin
With school letting out and daylight gracing us with more hours, it is apparent that the change of seasons is upon us. This change of seasons brings a measure of change at Kenoyer Financial; we are closed on Fridays for June and July!...
Read MoreSchool's Out for Summer!
it's crushing timeframe has me already feeling anxious. Do you do that? Do you pre-plan your stress?
Read MoreKenoyer Financial is closing...
...on Fridays - for the summer. Starting June 1st, Kenoyer Financial will run on our summer hours. You can find us in the office Monday through Thursday 8:30am-5:00pm. The office will be closed on Fridays. We hope you find ways to beat...
Read MoreInvesting in "the moment"
Where do you invest when it comes to your family? Ongoing investment over time is a wise key to build a strong future. Find out how to start those family deposits for your future...
Read MoreBargaining
There is a special thrill in getting a good deal. I come from a long line of bargain hunters. Using just the right balance of gift cards, coupons and loyalty points makes my day. I also enjoy unearthing treasures at second hand stores...
Read MoreTo plan for a plan is The Plan
When considering retirement, I think most of us have images in our head of traveling, grandchildren, golfing and maybe jazzercise. Hobbies set to the side might be enjoyed and completing projects becomes an option. Do you see a...
Read MoreSimplicity
Here at Kenoyer Financial, one of our core values is simplicity: always seek to move from complex to simple in our ideas/process. In our office, this manifests itself in different ways. One way is through our systems and procedures. We...
Read MoreYou Don’t Know What You Don’t Know
I've watched many of our clients come through the door with varied stages of understanding and after...
Read MoreFor the Next Generation
In our line of work, it is exciting to see people plan for their future by being purposeful with their finances. Most of what we see in our office is investing for the purpose of planning for retirement. This is a great start, and it...
Read MoreShady Business
My natural tendency is to look at the needs for today and focus on accomplishing the tasks needed to survive it. However, the words shared by Warren Buffett have been...
Read MoreThe rumbles of the market
At times like these there is often fear and chaos in our lives. We have water cooler talks with our co-workers or listen to most recent news feed to gain a sense of how to respond.
Read MoreBudgeting: Restriction or Freedom?
For people who have not budgeted, it may seem like restriction...
Read MoreIs Life Marvelous?
The transitions don’t always seem to go the way I’d prefer. However...
Read MoreGoals, goals, and more goals
Discouraged? I could say, "Stay at it", "Don't give up". However, I am like you. I get discouraged. I lose sight of my goals and
Read MoreBeing Purposeful this Christmas
Why are you pushing yourself so hard in the holidays? Why DO we celebrate? What's your purpose during the holidays?
Read MoreFinish Line
I can’t believe we are already just a few weeks away from Christmas! Where has the year gone? It has flown by. As I look back on this year I am grateful and encouraged. I have loved seeing the focus that many of our clients have...
Read MorePart II: What's Missing? Is your community a connected and vibrant place live?
We are highlighting Get Fit a local gym owned by Jonathan and Tara Crenshaw. They seek to move their members toward whole health through community, fitness, and nutrition.
Read MorePART 1: What's Missing? Is your community a vibrant place to live?
When you think about the community in which you live would you describe it as "vibrant and connected"? Is it a place that is full of people helping people? What would your community look like if it was vibrant and connected? Could the...
Read MoreCan this simple habit be hurting you?
Can the smartest device you own be making your life hectic? When I purchased my first smart phone I thought, "This will be great!" I can respond to email when I am out of the office. I can handle my banking and pay bills with a simple...
Read MoreBecoming Simple
Simplicity takes a lot of work. Often times there is much chaos in my life: lots of things to do, too many places to go, and deadlines to meet. I'm seeking to move from a place of chaos to one of simplicity. Anyone want to go on that...
Read MoreMulti tasking vs. mono tasking
I have found myself through the years seeking to be more efficient with my time in hopes to make myself more effective in what I do. Therefore, I have decided to go against the grain of common thought. Mono tasking is my new focus in...
Read MoreStop Acting Rich continued
Annual income is nowhere near a perfect predictor of wealth. It's not how much earns annually that counts: It is how one...
Read MoreFacing your giant
There are few movies that push me to an emotional response like this one... Have you ever watched the movie, Facing the Giants? It is a great one if you can find it. The movie takes place in a small town and a high school football...
Read MoreStop Acting Rich
Do you ever come across a topic that rivets you? I mean it gets into your thinking so much that you can't get away from it? Well this month I have been...
Read MoreWIll I ever reach my wealth goals?
I was reminded this past weekend of the famous children's tale, "The Tortoise and the Hare." Most likely you have read it several times to your kids or even grand kids. Just in case you forgot the story I will remind you. The tortoise...
Read MoreDebt Snowball wisdom
When I was growing up I would talk to my Nana (my grandma) in the early mornings on her frequent visits to our home. We enjoyed a tasty breakfast together and we would talk about what life was like for her growing up. I loved those...
Read MoreIt starts with me
It starts with me. My family tree changes with me. I cannot change where I came from or the past mistakes that have been made with stupid buying decisions. But I can change...
Read MoreWhen life loses focus
Are you on a hamster wheel of busyness? If you are like me, you get caught up in the day to day life of working, paying bills, being a taxi driver for your kids, and squeezing a workout in as you can. Why do we do all of this? A number...
Read MoreFinish what you started
Growing up as a young elementary age kid one of the lessons my parents so patiently reminded me was to finish what I started. I was never allowed to quit a sport in the middle of the season just because it got tough or I wasn't getting...
Read MoreIs retirement a number?
We get the question "How Much Do I need to Retire?" asked of us a lot! When do I know I am ready to retire? How much will I need? We do believe what gets you to retirement keeps you in retirement. What I mean is that good savings and...
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