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# Kahler Financial

Financial Planners, Rapid City, SD

## Sitemaps

- [XML Sitemap](https://kahlerfinancial.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Financial Therapy Can Aid Your Clients](https://kahlerfinancial.com/financial-awakenings/news-room-media/how-financial-therapy-could-benefit-your-clients-and-your-practice) - Kahler Financial shares how financial therapy could benefit your clients and your practice. Visit our website for more information.
- [Is Biden or Trump Best for Your Finances?](https://kahlerfinancial.com/financial-awakenings/news-room-media/biden-or-trump-plenty-of-young-people-remain-undecided-about-who-is-best-for-their-finances) - Kahler Financial shares insight as to why many young people remain undecided about who is best for their finances between Biden and Trump. Visit our website.
- [In Short, We Are Doomed to Repeat History](https://kahlerfinancial.com/financial-awakenings/investment-updates-210/in-short-we-are-doomed-to-repeat-the-mistakes-of-the-past) - Kahler Financial Group provide reasons why we are doomed to repeat the mistakes of the past. Visit our website for more information.
- [Complex Link Between Giving and Happiness](https://kahlerfinancial.com/financial-awakenings/money-psychology/giving-and-happiness-a-complicated-partnership) - Fee-only financial planner Rick Kahler: Link between giving and happiness is complicated; giving consciously fosters happiness for givers and recipients
- [5 Steps If Your Identity Has Been Stolen](https://kahlerfinancial.com/financial-awakenings/weekly-column/304) - Identity theft is something we read about and hear about, but that we assume won’t happen to us. It recently did happen, however, to one of my clients.
- [Financial Planning and Cryptocurrency](https://kahlerfinancial.com/financial-awakenings/news-room-media/crypto-currency-in-rapid-city-financial-planner-weighs-in) - As more people invest their money into cryptocurrency, Rick Kahler founder of Kahler Financial Group, says it might be better to leave it to a financial expert.
- [Ways to Save After Becoming Empty Nesters](https://kahlerfinancial.com/financial-awakenings/money-psychology/why-shifting-tuition-payments-to-retirement-fund-seldom-works) - Fee-only financial planner Rick Kahler: Shift from tuition payments to retirement funds on last child's graduation? Easy to plan, hard to practice
- [Economic News Increases Money Anxiety](https://kahlerfinancial.com/financial-awakenings/money-psychology/why-rosier-economic-outlook-hasnt-eased-money-anxiety) - Fee-only financial planner Rick Kahler: Why indicators of US economic recovery don't relieve consumers' money anxiety
- [Medicare Surtax on Investment Gains](https://kahlerfinancial.com/financial-awakenings/tax-planning/dire-emails-about-new-medicare-surtax-have-it-wrong) - Fee-only financial planner Rick Kahler: New Medicare surtax on investment gains in 2013 for high-income taxpayers not a sales tax
- [End of the EU Having A Single Currency?](https://kahlerfinancial.com/financial-awakenings/asset-protection/could-we-have-seen-the-last-weekend-of-the-eu-having-a-single-currency) - The Greek government has been advised by British economists to leave the euro and default on its ¤300 billion (£255 billion) debt to save its economy.
- [Stock Market, Off To Expected Bad Start](https://kahlerfinancial.com/financial-awakenings/investment-updates-210/stock-market-on-track-summer-off-to-predicted-bad-start) - A down year, or two or three, was predictable and actually needed. It's here. But savvy investors don't need to be worried, just patient.
- [A Message from a Fellow Planner](https://kahlerfinancial.com/financial-awakenings/investment-updates-210/if-you-can-keep-your-head-a-message-from-a-fellow-planner) - This message comes from a fellow financial planner, Cicily Maton of Aequus Wealth Management Resources. She graciously gave me permission to share it. We have been watching the markets along with the rest of you and we can almost feel the anxiety and panic through the airwaves. There is little new information that is responsible
- [How To Avoid A Crooked Investment Advisor](https://kahlerfinancial.com/financial-awakenings/investment-updates-210/how-to-avoid-a-crook-masquarading-as-an-investment-advisor) - Kahler Financial Group discuss how to avoid a crook masquerading as an investment advisor. Visit our website for more information.
- [Stock Market Dislikes Bailout Plan](https://kahlerfinancial.com/financial-awakenings/investment-updates-210/stock-market-give-stimulus-plan-a-big-thumbs-down) - Kahler Financial Group discuss how the stock marketing gives stimulus and bailout plans a big thumbs dumb. Visit our website for more information.
- [Depression Fear Less Than Some Past Eras](https://kahlerfinancial.com/financial-awakenings/retirement-64/current-fear-of-depression-less-than-some-past-recessions) - Kahler Financial Group discuss the current fear of depression being less than some past recessions. Visit our website for more information.
- [CARES Economic Impact Payment Portal Live](https://kahlerfinancial.com/financial-awakenings/the-economy/cares-economic-impact-payment-portal-now-live) - The IRS has launched its online Economic Impacts Payment portal and has begun making payments to individuals as stipulated under the CARES Act.
- [Latest News On Auto and Home Insurance](https://kahlerfinancial.com/financial-awakenings/teleclasses-workshops/the-latest-news-on-auto-and-home-insurance-kfg-teleclass) - This will be your chance to learn more about your auto and home insurance, including umbrella policies, medical coverage, uninsured motorist coverage, etc.
- [Changing Your Relationship With Money](https://kahlerfinancial.com/financial-awakenings/teleclasses-workshops/supercharge-your-life-by-changing-your-relationship-with-money) - Kahler Financial Group discuss how to supercharge your life by changing your relationship with money. Visit our website for more information.
- [Listening Workshop With Dr. Ted Klontz](https://kahlerfinancial.com/financial-awakenings/teleclasses-workshops/still-space-in-july-listening-workshop-with-dr-ted-klontz) - Over the course of three days, participants practice listening and experiencing what it truly means to be listened to.
- [Meditation and Sound Money Decisions](https://kahlerfinancial.com/financial-awakenings/teleclasses-workshops/next-kfg-teleclass-your-brain-meditation-and-making-sound-money-decisions) - Rick Long explains the scientific functioning of the brain and how meditation can help you make better money decisions.
- ["Inside Scoop" On Home and Auto Insurance](https://kahlerfinancial.com/financial-awakenings/teleclasses-workshops/insurance-pro-to-give-the-inside-scoop-on-home-and-auto-insurance) - Kahler Financial Group shares information on an insurance pro giving the inside scoop on home and auto insurance. Visit our website for more information.
- [“I Shop – Therefore I Am” Record Showing](https://kahlerfinancial.com/financial-awakenings/teleclasses-workshops/i-shop-therefore-i-am-teleclass-set-attendance-record) - Our recent teleclass with April Lane Benson, Ph.D., a nationally known psychologist who specializes in the treatment of compulsive buying disorder, was a smashing success.
- [A Primer on Stopping Overshopping](https://kahlerfinancial.com/financial-awakenings/teleclasses-workshops/i-shop-therefore-i-am-a-primer-on-stopping-overshopping-2) - My guest will be April Lane Benson, Ph.D., a nationally known psychologist who specializes in the treatment of compulsive buying disorder.
- [Charitable Giving Goes High Tech](https://kahlerfinancial.com/financial-awakenings/teleclasses-workshops/december-teleclass-charitable-giving-goes-high-tech-and-low-maintenance) - Regina Jahr from the Black Hills Community Foundation will educate you on all the benefits of letting them take the work out of giving.
- [Join April's Financial Therapy Workshop](https://kahlerfinancial.com/financial-awakenings/teleclasses-workshops/dates-for-the-april-financial-wellness-workshop-changed) - Kahler Financial Group shares insight on fee-only financial planner offering a financial therapy workshop. Visit our website for more information.
- [Join Couples Financial Therapy Workshop](https://kahlerfinancial.com/financial-awakenings/teleclasses-workshops/couples-financial-therapy-workshop) - Kahler Financial Group offers a couples financial therapy workshop. Visit our website for more information.
- [Using Money (Yes, Money!) in Therapy?!](https://kahlerfinancial.com/financial-awakenings/teleclasses-workshops/bringing-money-yes-real-money-into-therapy-teleclass-june-17th) - My teleclass on June 17th features Dave Jetson, LPCMH, who has developed a specialty in working with his clients' money issues.
- [Maximize Deductions and Minimize Income](https://kahlerfinancial.com/financial-awakenings/tax-planning/year-end-tax-advice-maximize-deductions-and-minimize-income) - Rick had an opportunity to tell viewers of the NewsCenter1 audience to maximize deductions and minimize income in 2017.
- [Tax-Free Income? Myths and Partial Truths](https://kahlerfinancial.com/financial-awakenings/tax-planning/what-tax-free-income-tax-myths-spin-and-partial-truths) - Fee-only financial planner Rick Kahler: Myths, spin, and partial truths about tax-free income, who pays most income tax and Social Security tax,
- [Believing You Don't Deserve Money](https://kahlerfinancial.com/financial-awakenings/money-psychology/believing-you-dont-deserve-money) - Fee-only financial planner and therapist Rick Kahler: Money script of "I don't deserve money" hinders financial, emotional, and physical wellbeing
- [Is Gold The Answer? First, What Is The Question?](https://kahlerfinancial.com/financial-awakenings/money-psychology/is-gold-the-answer-first-what-is-the-question) - Fee-only financial planner and therapist Rick Kahler: Worried about US economy? Moving investment portfolio to gold is not the answer.
- [Asset Protection Advice from Rick Kahler](https://kahlerfinancial.com/financial-awakenings/tax-planning/protecting-what-you-have) - Liability Insurance Isn't Enough: Basic Asset Protection Strategies from Fee-only Financial Planner Rick Kahler
- [Rick Kahler Expands on Obama's Tax Deal](https://kahlerfinancial.com/financial-awakenings/tax-planning/more-details-of-obamas-tax-proposal) - Fee-only financial planner, Rick Kahler, offers some specifics of the tax agreement that President Obama struck with leaders of the Senate and House.
- [Understand the Child Tax Credit Payments](https://kahlerfinancial.com/financial-awakenings/tax-planning/monthly-child-tax-credit-payments-understand-the-options) - #post_contentFee-only financial planner Rick Kahler: Monthly Child Tax Credit payments will affect amount of refund or tax due in April; opting out is a choice
- [Lawmakers Target Roth IRA Tax Benefits](https://kahlerfinancial.com/financial-awakenings/tax-planning/lawmakers-may-target-some-roth-ira-tax-benefits) - Fee-only financial planner Rick Kahler: President's 2016 budget targets some Roth IRA tax benefits; proposes RMDs, contribution caps, end to conversions
- [IRS "Wealth Squads" Invasive, Expensive](https://kahlerfinancial.com/financial-awakenings/tax-planning/knock-knock-whos-there-the-irs-wealth-squad) - Fee-only financial planner Rick Kahler says new IRS audit "wealth squads" may be invasive and require costly proof that the rich got their money legally
- [Business Advice after Healthcare Reform](https://kahlerfinancial.com/financial-awakenings/tax-planning/keeping-your-business-healthy-under-health-care-reform) - Fee-only financial planner Rick Kahler suggests ways for businesses to contain costs under health care reform and advises business owners to make plans now
- [Higher Life Expectancy, Lower IRA RMD's](https://kahlerfinancial.com/financial-awakenings/tax-planning/higher-life-expectancy-lower-ira-required-distributions) - Fee-only financial planner Rick Kahler: Change in IRS life expectancy tables could mean lower retirement plan RMDs
- [Healthcare Reform & Your Financial Health](https://kahlerfinancial.com/financial-awakenings/tax-planning/health-care-reform-and-your-financial-health) - Fee-only financial planner Rick Kahler's advice for maintaining financial health under health care reform and higher health care costs
- [Who’s Smarter Than a Seventh Grader?](https://kahlerfinancial.com/financial-awakenings/personal-notes/whos-smarter-than-a-seventh-grader-the-bureaucrats-or-the-terrorists) - I announced to my family that the TSA had banned all moving around in the cabin for one hour prior to landing and turned off the entertainment systems.
- [The Big Dance, a Father-Son Tradition](https://kahlerfinancial.com/financial-awakenings/personal-notes/the-big-dance-a-father-son-tradition) - Financial Advisor Rick Kahler gave his dad a ticket to the NCAA Final Four in 1992. Little did he know it would turn into a tradition.
- [What to Look for in a Financial Advisor](https://kahlerfinancial.com/financial-awakenings/news-room-media/what-to-look-for-in-a-financial-advisor-according-to-advisors) - If you are trying to decide on a financial advisor, perhaps you should ask another advisor. CNBC queried several industry pros on the most important qualities to seek when choosing a financial professional.
- [Financial Planners Amid Market Turbulence](https://kahlerfinancial.com/financial-awakenings/news-room-media/what-financial-planners-do-for-you-amid-this-market-turbulence-2) - Kahler Financial shares what financial planners do for you amid this market turbulence. Visit our website for more information.
- [Worst Market for a First-Time Homebuyer?](https://kahlerfinancial.com/financial-awakenings/news-room-media/this-could-be-the-worst-market-for-a-first-time-homebuyer-experts-say) - Kahler Financial shares why this could be the worst market for a first-time homebuyer. Visit our website to read more on what experts are saying.
- [The Best Books to Help You Pay off Debt](https://kahlerfinancial.com/financial-awakenings/news-room-media/the-best-books-to-help-you-pay-off-debt-according-to-finance-experts) - Kahler Financial shares the best books to help you pay off debt according to finance experts. Visit our website for more information.
- [Things to Keep in Mind Before Remarrying](https://kahlerfinancial.com/financial-awakenings/news-room-media/remarrying-here-are-financial-considerations-to-keep-in-mind-before-saying-i-do) - Kahler Financial Group discuss the financial considerations to keep in mind prior to remarrying. Visit our website to read more.
- [How India Rose James Inherited Soho](https://kahlerfinancial.com/financial-awakenings/news-room-media/india-rose-james-on-inheriting-soho-i-was-told-i-never-had-to-work-ever) - Kahler Financial shares the story of India Rose James and how she inherited soho. Visit our website to learn more.
- [How to Guard Your Penobscot County House](https://kahlerfinancial.com/financial-awakenings/news-room-media/how-to-guard-against-cyber-thieves-stealing-your-penobscot-county-house) - Kahler Financial Group shares how to guard against cyber thieves stealing your Penobscot County house. Visit our website to read more.
- [Escape The Tax Man When You Retire Abroad](https://kahlerfinancial.com/financial-awakenings/news-room-media/how-to-escape-the-american-tax-man-when-you-retire-abroad) - Kahler Financial shares how to escape the American tax man when you retire abroad. Visit our website for more information.
- [How To Avoid 'Financial Destruction'](https://kahlerfinancial.com/financial-awakenings/news-room-media/how-to-avoid-financial-destruction-by-planning-for-divorce) - “The number one threat to a person’s financial well-being is divorce,” said Certified Financial Planner Rick Kahler.
- [Financial Advisors Face New Challenges](https://kahlerfinancial.com/financial-awakenings/news-room-media/financial-advisors-face-new-challenges-in-the-way-they-manage-workflow-communicate-with-co-workers-and-clients) - Kahler Financial shares new challenges in the way they manage workflow, communicate with co-workers and more. Visit our website to learn more.
- [The Need for a Team Approach to Advice](https://kahlerfinancial.com/financial-awakenings/news-room-media/educate-clients-about-the-need-for-a-team-approach-to-advice) - Kahler Financial shares tips on how to educate clients about the need for a team approach to advice. Visit our website for more information.
- [The Slippery Slope To Unethical Financial Choices](https://kahlerfinancial.com/financial-awakenings/money-psychology/the-slippery-slope-to-unethical-financial-choices) - Fee-only CFP: Ethical financial behavior is essential for financial wellbeing; 7 steps leading to fraud. Unethical financial choices is a slippery slope.
- [Five Talks That Can Improve Your Finances](https://kahlerfinancial.com/financial-awakenings/news-room-media/heres-how-talking-about-money-can-improve-your-bottom-line-2) - Kahler Financial shares how talking about money can improve your bottom line. Visit our website to learn more.
- [How South Dakota Turned Global Tax Haven](https://kahlerfinancial.com/financial-awakenings/news-room-media/heres-how-states-like-south-dakota-have-become-global-tax-havens) - Kahler Financial shares how states like South Dakota have become global tax havens. Visit our website for more information.
- [Disrupt Debt Cycle, Examine Money Beliefs](https://kahlerfinancial.com/financial-awakenings/news-room-media/financial-therapists-say-to-disrupt-debt-cycle-look-at-your-money-beliefs) - If you find yourself in a cycle of debt, you may need to address the root cause. These tips from a financial therapist can help. Rick Kahler was interviewed.
- [Bad Heir Day: How To Prepare Your Estate](https://kahlerfinancial.com/financial-awakenings/news-room-media/bad-heir-day-how-to-prepare-for-your-bequest-going-to-a-spendthrift) - Kahler Financial shares how to prepare for your bequest going to a spendthrift. Visit our website to learn more.
- [Backlash for New Proposal Amidst Concerns](https://kahlerfinancial.com/financial-awakenings/news-room-media/a-new-proposal-that-received-backlash-for-privacy-concerns) - Kahler Financial shares information on a new proposal that received backlash for privacy concerns. Visit our website to learn more.
- [New Data Yields No Change to Investments](https://kahlerfinancial.com/financial-awakenings/news-for-kfg-clients/new-information-yields-no-change-to-investment-allocation) - The latest information on global capitalization finds that the US now accounts for just 35% of the world’s equity markets.
- [Sarah Swantner, Senior Financial Analyst](https://kahlerfinancial.com/financial-awakenings/news-for-kfg-clients/introducing-sarah-swantner-senior-financial-analyst-at-kfg) - Kahler Financial Group welcome Sarah Swantner, the new Senior Financial Analyst. Visit our website to learn more about Sarah Swantner today.
- [Impact of Socially Responsible Investing](https://kahlerfinancial.com/financial-awakenings/money-psychology/why-socially-responsible-investing-has-a-limited-impact) - Fee-only financial planner: Why socially responsible investing may make less difference than you think
- [When Parents Can't Say No](https://kahlerfinancial.com/financial-awakenings/money-psychology/when-parents-cant-say-no-financial-enabling) - Fee-only financial planner Rick Kahler: Parents' financial enabling of children harms both; damages relationship, hurts financial well-being on both sides
- [Here are 7 Financial Advisor Red Flags](https://kahlerfinancial.com/financial-awakenings/money-psychology/warning-signs-of-untrustworthy-financial-advisors) - Fee-only financial planner Rick Kahler: Signs that a financial advisor who "feels" trustworthy may not be someone to trust with your financial future
- [The Financial Impact of Meditation](https://kahlerfinancial.com/financial-awakenings/money-psychology/the-surprising-financial-impact-of-mindfulness-meditation) - The financial impact of mindfulness meditation helps you recognize emotions behind money behaviors, and make wise money decisions.
- [How to Handle a Team Member Retirement](https://kahlerfinancial.com/financial-awakenings/money-psychology/team-of-advisors-eases-transition-to-new-financial-planner) - #post_contentFee-only financial planner Rick Kahler: If your advisor retires or leaves, a team approach eases transition to new provider
- [Surprising Spending Patterns of the Rich](https://kahlerfinancial.com/financial-awakenings/money-psychology/surprising-spending-patterns-of-high-earners) - Fee-only financial planner Rick Kahler: Surprising spending habits of affluent Americans shown by study of products bought by high earners
- [What Spouses See vs What They Do](https://kahlerfinancial.com/financial-awakenings/money-psychology/spender-or-saver-what-spouses-see-vs-what-they-do) - Couples' money conflict often stems more from perceptions of their partner as a spender or tightwad than from actual spending habits.
- [Should You Save for an Emergency Fund?](https://kahlerfinancial.com/financial-awakenings/money-psychology/shoulds-can-block-saving-for-emergency-fund) - #post_contentFee-only financial planner Rick Kahler: To build emergency fund, explore "shoulds" that keep you from acting
- [Emotionally Shift from Saving to Spending](https://kahlerfinancial.com/financial-awakenings/money-psychology/retirees-difficult-emotional-shift-from-saving-to-spending) - Fee-only financial planner Rick Kahler: Retirement shift from saving to spending triggers difficult emotions and money scripts
- [4 Ways to View Your Portfolio Performance](https://kahlerfinancial.com/financial-awakenings/money-psychology/portfolio-performance-more-than-beating-the-market) - Fee-only financial planner Rick Kahler: To judge portfolio performance, take long view, compare to your goals, understand diversification, look past bottom line
- [Political Bets Akin to Timing the Market](https://kahlerfinancial.com/financial-awakenings/money-psychology/political-bets-as-risky-as-stock-market-timing) - Fee-only financial planner Rick Kahler: Political wagering stressful, entertaining, good reminder why trying to time markets a bad idea
- [More Americans Joining Ranks of Wealthy](https://kahlerfinancial.com/financial-awakenings/money-psychology/more-americans-joining-ranks-of-wealthy) - Fee-only financial planner Rick Kahler: More Americans joining ranks of rich and upper middle class, fewer in poverty, 36-year study shows
- [2017 Nobel Prize in Economics](https://kahlerfinancial.com/financial-awakenings/money-psychology/money-emotions-and-the-nobel-prize-in-economics) - Fee-only financial planner Rick Kahler: Richard Thaler 2017 Nobel Prize in Economics shows significance of emotions and money behavior
- [Mis-timing the Market Roller Coaster](https://kahlerfinancial.com/financial-awakenings/money-psychology/mistiming-the-market-roller-coaster) - Rick Kahler: Small investors often mistime stock market; to avoid buying just in time for market drop, rebuild slowly with dollar cost averaging
- [Making Sense Of Stock Market Behavior](https://kahlerfinancial.com/financial-awakenings/money-psychology/making-sense-of-confusing-stock-market-behavior) - Fee-only financial planner Rick Kahler: Logical Beliefs and Human Behavior Behind Confusing Stock Market Behavior
- [Rideshare: Affordable Freedom For Seniors](https://kahlerfinancial.com/financial-awakenings/money-psychology/local-ridesharing-affordable-independence-for-seniors) - Fee-only financial planner Rick Kahler: Local ridesharing an affordable option to help seniors give up driving, maintain independence
- [Find Happiness When You Love Your Job](https://kahlerfinancial.com/financial-awakenings/money-psychology/increase-happiness-with-work-that-feels-like-play) - Fee-only financial planner Rick Kahler: Work that feels like play and living close to work help increase happiness
- [When Kids Ask, Teach Money Lessons](https://kahlerfinancial.com/financial-awakenings/money-psychology/how-much-money-do-you-make-mom-and-dad) - How to tell kids what you earn and teach money lessons; be honest, use teachable moments, answer questions, and admit mistakes.
- [Fund Retirement First, Then Kids' College](https://kahlerfinancial.com/financial-awakenings/money-psychology/fund-your-retirement-now-and-save-your-kids-money-later) - Fee-only financial planner Rick Kahler: Fund your retirement first, kids' college second, so elderly caregiving isn't a financial burden for adult children
- [How Financial Advisors For Couples Can Include A Silent Partner](https://kahlerfinancial.com/financial-awakenings/money-psychology/how-financial-advisors-for-couples-can-include-a-silent-partner) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/Knok16hrin0″ _builder_version=”4.27.8″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.8″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″] Over 40-plus years in financial planning, I noticed a common pattern with client couples: in Financial therapist Rick Kahler: Advisors working with couples can actively include both partners when one does all the talking
- [How Might Declining Population Affect Your Social Security?](https://kahlerfinancial.com/financial-awakenings/weekly-column/how-might-declining-population-affect-your-social-security) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/hE1gDLGeXi0″ _builder_version=”4.27.8″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.8″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] If you are under 50, will Social Security still be there when you retire? The answer starts Financial Therapist Rick Kahler: Planning for retirement when declining population means fewer workers paying into Social Security
- [The More Often You Check Your Portfolio, The More Volatile It Seems](https://kahlerfinancial.com/financial-awakenings/asset-protection/the-more-often-you-check-your-portfolio-the-more-volatile-it-seems) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/xD8wfq-Wq_E” _builder_version=”4.27.7″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.8″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] On the last Wednesday in July, I got several phone calls from clients. On the last Friday Financial therapist Rick Kahler: Checking portfolio account balances less often can help reduce anxiety over short-term market fluctuations
- [Managing Money Responsibilities During Emotional Hard Times](https://kahlerfinancial.com/financial-awakenings/money-psychology/managing-money-responsibilities-during-emotional-hard-times) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/Tm3146tEtpk” _builder_version=”4.27.7″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.7″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] A divorce. A house fire. A serious accident or illness. The death of a family member. Caring Financial therapist Rick Kahler: Setting emotions aside helps you cope with stressful times, and processing them later is essential for wellbeing
- [Small Steps Can Help Couples Begin Changing a Cycle of Money Conflict](https://kahlerfinancial.com/financial-awakenings/money-psychology/small-steps-can-help-couples-begin-changing-a-cycle-of-money-conflict) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/E9O-bxss-X0″ _builder_version=”4.27.7″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.7″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] A common pattern for couples who are trying to manage their spending goes like this: The partners Financial therapist Rick Kahler: Partners share responsibility when couples are stuck in a cycle of money conflict; one small step can help them begin to change
- [Trump Accounts: Take The Seed Money But Compare Other Options Before Adding More](https://kahlerfinancial.com/financial-awakenings/tax-planning/trump-accounts-take-the-seed-money-but-compare-other-options-before-adding-more) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/4nWGqG59Gew” _builder_version=”4.27.7″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.7″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] The “Trump account” savings vehicles that were created as part of last year’s “Big Beautiful Bill” are Financial therapist and planner Rick Kahler: Trump accounts have tax disadvantages that may make them worse choice than options like 529 plans or Roth IRAs
- [Corruption, Not Communism, Is The Real Threat To Economic Freedom](https://kahlerfinancial.com/financial-awakenings/asset-protection/corruption-not-communism-is-the-real-threat-to-economic-freedom) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/it4_XvC4JSc” _builder_version=”4.27.7″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.7″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] On July 3, President Trump spoke at Mount Rushmore, 25 minutes from my house. He warned of Fee-only financial planner and therapist Rick Kahler: No country's economies are purely communist, socialist, or capitalist; corruption is the real threat
- [Fact-Checking the Social Security Commissioner's Email](https://kahlerfinancial.com/financial-awakenings/tax-planning/fact-checking-the-social-security-commissioners-email) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” hover_enabled=”0″ global_colors_info=”{}” admin_label=”Section” sticky_enabled=”0″][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.27.7″ _module_preset=”default” width=”100%” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″ min_height=”86.7px”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video _builder_version=”4.27.7″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” custom_margin=”||10px|||” src=”https://youtu.be/8-qPSvLNyf4″ sticky_enabled=”0″][/et_pb_video][et_pb_video _builder_version=”4.27.7″ _module_preset=”default” global_colors_info=”{}” custom_margin=”||10px|||”][/et_pb_video][et_pb_video _builder_version=”4.27.7″ _module_preset=”default” global_colors_info=”{}” custom_margin=”||10px|||”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.7″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] Fee-only financial planner and therapist Rick Kahler: clarifying some misleading information in Social Security commissioner's July 2026 email to retirees
- [The Real Winners In Online Betting Markets](https://kahlerfinancial.com/financial-awakenings/asset-protection/the-real-winners-in-online-betting-markets) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/LfOpSlZwHpM” _builder_version=”4.27.7″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.7″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] Let’s start with the disclosure: I enjoy betting—though I’m too frugal to ever risk more than maybe Financial therapist and planner Rick Kahler: Betting in speculative markets or online platforms is more about identity than money; the odds are not in your favor
- [Why Asking The Fiduciary Question Is No Longer Enough](https://kahlerfinancial.com/financial-awakenings/asset-protection/why-asking-the-fiduciary-question-is-no-longer-enough) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/7-na34HaXJ0″ _builder_version=”4.27.7″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.7″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] “Find a financial advisor who is a fiduciary, someone legally bound to put your interests first.” I Fee-only financial planner and therapist Rick Kahler: the fiduciary label is no guarantee an advisor will put your best interests first
- [Financial Matchmaking: Why Potential Partners' Money Beliefs Matter](https://kahlerfinancial.com/financial-awakenings/asset-protection/financial-matchmaking-why-potential-partners-money-beliefs-matter) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/rpbx7ThnU7Q” _builder_version=”4.27.7″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.7″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] For decades I have watched couples come undone over money. In many cases, red flags warning of Fee-only financial planner and therapist Rick Kahler: Help build healthy financial coupleship with early examination of each other's deep financial beliefs
- [Fourth-Ever Inductee: Rick Kahler Joins the Financial Therapy Hall of Fame](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/fourth-ever-inductee-rick-kahler-joins-the-financial-therapy-hall-of-fame) - Kahler recognized for pioneering contributions to financial therapy as a co-founder of the Financial Therapy Association and the field’s first financial therapy workshop. RAPID CITY, S.D. — Rick Kahler, MS, CFP®, CFT™, CeFT®, has become the fourth person to be inducted into the Financial Therapy Hall of Fame. The honor was presented at the annual
- [Inflation, Interest Rates, The Fed, And Your Family Budget](https://kahlerfinancial.com/financial-awakenings/asset-protection/inflation-interest-rates-the-fed-and-your-family-budget) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/6YSadeCWAQQ” _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.6″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] The Federal Reserve, as part of its responsibility to safeguard the stability of the country’s financial system, Fee-only financial planner and therapist Rick Kahler: how Federal Reserve interest rates might affect your financial decisions
- [How Couples Can Turn Conflicting Money Beliefs Into Shared Strengths](https://kahlerfinancial.com/financial-awakenings/money-psychology/how-couples-can-turn-conflicting-money-beliefs-into-shared-strengths) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/ZcOyAA9sPNQ” _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.6″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] Most couples who argue about money are arguing from different money scripts—the deeply held beliefs about money Fee-only financial planner and therapist Rick Kahler: Couples who explore each partner's money beliefs can turn differences into complementary strengths
- [Managing the Disconnect Between High Markets and Consumer Worry](https://kahlerfinancial.com/financial-awakenings/weekly-column/managing-the-disconnect-between-high-markets-and-consumer-worry) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/2vWRVJl2M_M” _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.6″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] In mid-May, the S&P 500 hit its eighth consecutive weekly gain and the Dow Jones Industrial Average Fee-only financial planner and therapist Rick Kahler: Classic investment advice holds value when market highs and consumer confidence clash
- [Clear Communication Helps Your Financial Team Help You](https://kahlerfinancial.com/financial-awakenings/tax-planning/clear-communication-helps-your-financial-team-help-you) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/y87-ITEeRiU” _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.6″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] As you advance in your career and begin to build financial security and invest for the future, Fee-only financial planner and therapist Rick Kahler: Get the most from your investment, tax, and legal advisors with clear expectations for communication
- [The Emotional and Financial Costs of Sacrificial Giving](https://kahlerfinancial.com/financial-awakenings/asset-protection/the-emotional-and-financial-costs-of-sacrificial-giving) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/1ZrI36R3Qa4″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.6″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] “But we can’t cut back our giving; they depend on us.” A couple who were my clients Fee-only financial planner and therapist Rick Kahler: beliefs about giving formed by rigid religious communities can harm emotional and financial health
- [Is Education As Unaffordable As It Seems?](https://kahlerfinancial.com/financial-awakenings/asset-protection/is-education-as-unaffordable-as-it-seems) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/jAX_KhzFf_g” _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.6″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] It’s common for parents of high school seniors to joke, “At least when he goes off to Fee-only financial planner and therapist Rick Kahler: View college costs as investment but only through perspective of your family's and student's needs
- [Keeping Your Retirement Savings Clear Of The Government's Thumb](https://kahlerfinancial.com/financial-awakenings/asset-protection/keeping-your-retirement-savings-clear-of-the-governments-thumb) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/tayNw7147rM” _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.6″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″ content_last_edited=”on|phone” content_phone=” For decades, a divide has limited the options for American workers who are Financial planner and therapist Rick Kahler: Federal ban on Chinese assets in 401k plans limits options for retirement investments
- [What's Your Financial Freedom Number, and What Would You Do With It?](https://kahlerfinancial.com/financial-awakenings/asset-protection/whats-your-financial-freedom-number-and-what-would-you-do-with-it) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/pTim8hmS8vw” _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.6″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] When you think about building wealth or financial success, what’s your “freedom number?” This is the term Fee-only financial planner and therapist Rick Kahler: Financial independence is more than a number; what would you do with financial freedom?
- [Trusted Help From a Daily Money Manager](https://kahlerfinancial.com/financial-awakenings/asset-protection/trusted-help-from-a-daily-money-manager) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/B6o6rPev8DQ” _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.6″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] If your elderly mom needs assistance with daily money matters, but you live three states away, where Fee-only financial planner and therapist Rick Kahler: a trusted daily money manager to handle financial details may help seniors stay independent longer
- [Facing the Financial and Emotional Pain of a Terminal Illness](https://kahlerfinancial.com/financial-awakenings/estate-planning/facing-the-financial-and-emotional-pain-of-a-terminal-illness) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/QP9XUs0E9hs” _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.6″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] Dying and money collide in ways most of us never think about until we have to. Money Fee-only financial planner and therapist Rick Kahler: A planner who is a death doula helps clients cope with both emotional and financial challenges of dying
- [Are Shadow Advisors Shaping Your Financial Decisions?](https://kahlerfinancial.com/financial-awakenings/money-psychology/are-shadow-advisors-shaping-your-financial-decisions) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/LilaHtti2NY” _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.6″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] You’re thinking about rolling over your 401(k). Or maybe you just inherited some money and you’re not Fee-only financial planner and therapist Rick Kahler: When advice from colleagues, family, friends may make it harder to work with your financial advisor
- [When Financial Help For Adult Children Harms Both Generations](https://kahlerfinancial.com/financial-awakenings/asset-protection/when-financial-help-for-adult-children-harms-both-generations) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/t4Dsohy9Oe8″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.6″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] A common issue I see with financial planning clients is whether and how to provide financial help Fee-only financial planner and therapist Rick Kahler: Asking two questions before giving money to adult children can shape more thoughtful generosity
- [The Value Of Financial Therapy For Men In Power](https://kahlerfinancial.com/financial-awakenings/asset-protection/when-financial-therapy-for-billionaires-isnt-a-joke) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/htTQKh0TpVc” _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.6″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] Do billionaires need financial therapy? The very idea probably seems ludicrous. Why would someone with such immense Fee-only financial planner and therapist Rick Kahler: Why financial therapy for men with wealth and power can benefit companies, employees, and markets
- [Why A Financial Advisor Might Avoid Some Of Your Questions](https://kahlerfinancial.com/financial-awakenings/tax-planning/why-a-financial-advisor-might-avoid-some-of-your-questions) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/pg3t81a48wM” _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.6″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] How do you find a competent, ethical financial advisor? An approach I have recommended for years is Fee-only financial planner and therapist Rick Kahler: SEC Marketing Rule makes it harder for advisors to give clear answers to some client questions
- [Should You Take High-Tech Shortcuts at Work?](https://kahlerfinancial.com/financial-awakenings/news-room-media/should-you-take-high-tech-shortcuts-at-work) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”||3px|||” global_colors_info=”{}”][et_pb_row column_structure=”2_5,3_5″ _builder_version=”4.27.0″ _module_preset=”default” background_enable_color=”off” width=”100%” custom_padding=”||26px|||” global_colors_info=”{}”][et_pb_column type=”2_5″ _builder_version=”4.27.0″ _module_preset=”default” background_color=”#000000″ global_colors_info=”{}”][et_pb_image src=”https://kahlerfinancial.com/wp-content/uploads/2022/01/AARP-logo.jpg” alt=”aarp” title_text=”AARP logo” align=”center” _builder_version=”4.27.6″ _module_preset=”default” background_enable_color=”off” global_colors_info=”{}”][/et_pb_image][/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”] Should You Take High-Tech Shortcuts at Work? By: Edward C. Baig, AARP February 27, 2026 [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”0px|||||” global_colors_info=”{}”][et_pb_row
- [Tools To Help Couples Change Money Fights to Money Conversations](https://kahlerfinancial.com/financial-awakenings/money-psychology/tools-to-help-couples-change-money-fights-to-money-conversations) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/_UP1Z3UyIdM” _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.6″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] When two people who love each other fight about money, the trigger is often something small. One Fee-only financial planner and therapist Rick Kahler: Practicing communication tools can help couples build trust and intimacy with money conversations
- [War, Economic Markets, and Your Investment Fears](https://kahlerfinancial.com/financial-awakenings/asset-protection/war-economic-markets-and-your-investment-fears) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/chmhGXKr2Mg” _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.6″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] War with Iran is adding a new level of chaos to already uncertain times. What about your Fee-only financial planner and therapist Rick Kahler: In chaotic times, panicky investment decisions are likely to harm your financial health
- [How The Tax Code Got So Complicated](https://kahlerfinancial.com/financial-awakenings/tax-planning/how-the-tax-code-got-so-complicated) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/xsG7k9bsCik” _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.6″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] If you’re wading through the process of preparing your tax return, you may well be asking, “Why Fee-only financial planner and therapist Rick Kahler: Complex tax code created over time costs taxpayers time and money
- [Fear-Based Frugality Can Harm Your Financial Wellbeing](https://kahlerfinancial.com/financial-awakenings/money-psychology/fear-based-frugality-can-harm-your-financial-wellbeing) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/ZBA-Jt8NpNQ” _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.5″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] A classic and wise piece of advice from financial advisors is to live within your means. I Fee-only financial planner and therapist Rick Kahler: Frugality based in childhood trauma is not a conscious choice but a barrier to financial wellbeing
- [The Lag Between Loud Tariff Headlines and Quiet Price Increases](https://kahlerfinancial.com/financial-awakenings/weekly-column/the-lag-between-loud-tariff-headlines-and-quiet-price-increases) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/iB8fEQKJCwQ” _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.5″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] Early last year, the drama around tariffs dominated news headlines, market predictions, and interactions between the US Fee-only financial planner and therapist Rick Kahler: Consumer price increases show up quietly after news cycle has moved on from dramatic tariff headlines
- [The Real Financial Cost of Childhood Trauma](https://kahlerfinancial.com/financial-awakenings/money-psychology/the-real-financial-cost-of-childhood-trauma) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/VavRax-7SBU” _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.5″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] Chances are you know someone who makes you wonder, “Why can’t they manage money better?” They may Fee-only financial planner and therapist Rick Kahler: New study shows lasting impact and measurable long-term financial cost of childhood trauma
- [Declining Dollar? Don't Let Fear Drive High-Risk Investment Choices](https://kahlerfinancial.com/financial-awakenings/asset-protection/declining-dollar-dont-let-fear-drive-high-risk-investment-choices) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/Zn8zJGlskF8″ _builder_version=”4.27.5″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.5″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″] Why doesn’t a dollar go as far as it used to? Inflation is Fee-only financial planner and therapist Rick Kahler: Speculative investments may turn the economic challenge of a declining dollar into costly mistakes
- [Markets Don't Care How You Feel About Investments](https://kahlerfinancial.com/financial-awakenings/money-psychology/markets-dont-care-how-you-feel-about-investments) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/nEEZXoPWt0w” _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.5″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] Some years ago, one of my clients was holding onto some tech stock that had been a Fee-only financial planner and therapist Rick Kahler: How much you care about an investment has nothing to do with its market success or failure
- [Financial stress may be as bad for the heart as traditional risk factors for cardiovascular disease](https://kahlerfinancial.com/financial-awakenings/news-room-media/financial-stress-may-be-as-bad-for-the-heart-as-traditional-risk-factors-for-cardiovascular-disease) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”||3px|||” global_colors_info=”{}”][et_pb_row column_structure=”2_5,3_5″ _builder_version=”4.27.0″ _module_preset=”default” background_enable_color=”off” width=”100%” custom_padding=”||26px|||” global_colors_info=”{}”][et_pb_column type=”2_5″ _builder_version=”4.27.0″ _module_preset=”default” background_color=”#000000″ global_colors_info=”{}”][et_pb_image src=”https://kahlerfinancial.com/wp-content/uploads/2026/01/cnn-health-logo.webp” alt=”KOTA News” title_text=”cnn-health-logo” align=”center” _builder_version=”4.27.5″ _module_preset=”default” background_enable_color=”off” global_colors_info=”{}”][/et_pb_image][/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}”] Financial stress may be as bad for the heart as traditional risk factors for cardiovascular disease By: Katla Hetter and Ivan
- [Interest Rate Caps Punish Those They Promise To Protect](https://kahlerfinancial.com/financial-awakenings/weekly-column/interest-rate-caps-punish-those-they-promise-to-protect) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/WX5fWdJe1HQ” _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.5″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] The White House has recently called for a one-year cap that would limit credit-card interest rates to Fee-only financial planner and therapist Rick Kahler: Interest rate caps, like other price controls, limit access to credit and harm those they mean to help
- [Capitalism or Socialism? What Matters Most Is Who Holds Power](https://kahlerfinancial.com/financial-awakenings/weekly-column/capitalism-or-socialism-what-matters-most-is-who-holds-power) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/JtzO08SsO3Q” _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.5″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] Last week’s column covered four different systems often lumped together as “socialism”: State Socialism, State Capitalism, Democratic Fee-only financial planner and therapist Rick Kahler: Socialism or capitalism, what matters more than labels is who holds the power in a system
- [Socialism May Not Mean What You Think It Means](https://kahlerfinancial.com/financial-awakenings/weekly-column/socialism-may-not-mean-what-you-think-it-means) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/fk09fKvI27Q” _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.5″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″] The election of Zohran Mamdani as mayor of New York City has recently put a Fee-only financial planner and therapist Rick Kahler: Four types of socialism that both critics and fans need to understand for productive conversations
- [Becoming Scrooge](https://kahlerfinancial.com/financial-awakenings/news-room-media/becoming-scrooge) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”||3px|||” global_colors_info=”{}”][et_pb_row column_structure=”2_5,3_5″ _builder_version=”4.27.0″ _module_preset=”default” background_enable_color=”off” width=”100%” custom_padding=”||26px|||” global_colors_info=”{}”][et_pb_column type=”2_5″ _builder_version=”4.27.0″ _module_preset=”default” background_color=”#000000″ global_colors_info=”{}”][et_pb_image src=”https://kahlerfinancial.com/wp-content/uploads/2025/12/7398ee94-6cb1-4534-8c41-34a0d0f94e2e_360x272.webp” alt=”KOTA News” title_text=”Deconstructing Money” align=”center” _builder_version=”4.27.5″ _module_preset=”default” background_enable_color=”off” global_colors_info=”{}”][/et_pb_image][/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}”] Becoming Scrooge “Scrooge didn’t consciously choose to be a miserable old miser.” By: Bethel Habte December 19, 2025 [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″
- [XYPN’s Alan Moore’s Mission: Bring Financial Planning to the Next Generation](https://kahlerfinancial.com/financial-awakenings/news-room-media/xypns-alan-moores-mission-bring-financial-planning-to-the-next-generation) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”||3px|||” global_colors_info=”{}”][et_pb_row column_structure=”2_5,3_5″ _builder_version=”4.27.0″ _module_preset=”default” background_enable_color=”off” width=”100%” custom_padding=”||26px|||” global_colors_info=”{}”][et_pb_column type=”2_5″ _builder_version=”4.27.0″ _module_preset=”default” background_color=”#000000″ global_colors_info=”{}”][et_pb_image src=”https://kahlerfinancial.com/wp-content/uploads/2025/12/OIP.webp” alt=”KOTA News” title_text=”Barron’s” align=”center” _builder_version=”4.27.5″ _module_preset=”default” background_enable_color=”off” global_colors_info=”{}”][/et_pb_image][/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}”] XYPN’s Alan Moore’s Mission: Bring Financial Planning to the Next Generation By: Steve Garmhausen December 15, 2025 [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default”
- [Creativity Helps Solve Money Problems That Aren't About Numbers](https://kahlerfinancial.com/financial-awakenings/money-psychology/creativity-helps-solve-money-problems-that-arent-about-numbers) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/Cn8xSCkRidA” _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.25.1″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] Before you make any New Year’s resolutions about money, here’s something to consider. Creativity is just as Fee-only financial planner and therapist Rick Kahler: How a simple creative drawing exercise can help you understand your spending habits
- [Couples Can Learn To Manage Unfixable Money Conflicts](https://kahlerfinancial.com/financial-awakenings/asset-protection/couples-can-learn-to-manage-unfixable-money-conflicts) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/xFrddyken1w” _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.5″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] A common assumption about financial therapy for couples is that the goal is to “fix” their financial Fee-only financial planner and therapist Rick Kahler: Couples who understand deep issues behind unfixable money conflicts can manage them with trust, compassion
- [A Path of Self-Compassion to Cancel Christmas Spending Stress](https://kahlerfinancial.com/financial-awakenings/money-psychology/a-path-of-self-compassion-to-cancel-christmas-spending-stress) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/cMd7C7o3xro” _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.5″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] Cancel culture has finally caught up with this year’s Christmas column—and I’m the one doing the canceling. Fee-only financial planner and therapist Rick Kahler: Curiosity, awareness of what's behind holiday spending can relieve money stress
- [Childhood trauma linked to major retirement shortfalls, study finds](https://kahlerfinancial.com/financial-awakenings/news-room-media/childhood-trauma-linked-to-major-retirement-shortfalls-study-finds) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”||3px|||” global_colors_info=”{}”][et_pb_row column_structure=”2_5,3_5″ _builder_version=”4.27.0″ _module_preset=”default” background_enable_color=”off” width=”100%” custom_padding=”||26px|||” global_colors_info=”{}”][et_pb_column type=”2_5″ _builder_version=”4.27.0″ _module_preset=”default” background_color=”#000000″ global_colors_info=”{}”][et_pb_image src=”https://kahlerfinancial.com/wp-content/uploads/2025/07/Financial-Planning-logo.png” alt=”KOTA News” title_text=”Financial Planning logo” align=”center” _builder_version=”4.27.5″ _module_preset=”default” background_enable_color=”off” global_colors_info=”{}”][/et_pb_image][/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}”] Childhood trauma linked to major retirement shortfalls, study finds By: Elijah Nocholson-Messmer December 5, 2025 [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default”
- [Why Your Construction Loan Is Probably Not A Rip-Off](https://kahlerfinancial.com/financial-awakenings/money-psychology/why-your-construction-loan-is-probably-not-a-rip-off) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/dx56vVGtSSg” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] Recently I heard from a reader who had just finished building a new home. He noticed something Fee-only financial planner and therapist Rick Kahler: Why home construction loans cost more than mortgage loans
- [Can You Have Financial Wellbeing If You’re Broke But Happy?](https://kahlerfinancial.com/financial-awakenings/money-psychology/can-you-have-financial-wellbeing-if-youre-broke-but-happy) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/Rn3fjMc4EHE” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] A core purpose of my work in financial planning and financial therapy is to help clients achieve Fee-only financial planner and therapist Rick Kahler: Miserable rich? Happy poor? Neither financial nor emotional wellness alone is enough for overall wellbeing
- [The Tax Gap Between Banks and Credit Unions](https://kahlerfinancial.com/financial-awakenings/weekly-column/the-tax-gap-between-banks-and-credit-unions) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/MzYLyFcqcoI” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] When Congress created credit unions in 1934, the Great Depression had crippled the banking system. Families couldn’t Fee-only financial planner and therapist Rick Kahler: When banks and credit unions offer the same services but don't pay the same taxes
- [The Emotional Value of Paying With Cash](https://kahlerfinancial.com/financial-awakenings/money-psychology/the-emotional-value-of-paying-with-cash) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ admin_label=”Column” _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/H1lzdF7qlsE” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] Most of us think of paying for something as a simple transaction. You hand over the Fee-only financial planner and therapist Rick Kahler: Cash transactions an opportunity for awareness of money scripts and emotions around finances
- [Tariffs, Inflation, Uncertainty, Oh My: How to Feel Less Stressed About Finances Now](https://kahlerfinancial.com/financial-awakenings/news-room-media/tariffs-inflation-uncertainty-oh-my-how-to-feel-less-stressed-about-finances-now) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”||3px|||” global_colors_info=”{}”][et_pb_row column_structure=”2_5,3_5″ _builder_version=”4.27.0″ _module_preset=”default” background_enable_color=”off” width=”100%” custom_padding=”||26px|||” global_colors_info=”{}”][et_pb_column type=”2_5″ _builder_version=”4.27.0″ _module_preset=”default” background_color=”#000000″ global_colors_info=”{}”][et_pb_image src=”https://kahlerfinancial.com/wp-content/uploads/2020/04/kiplinger.png” alt=”KOTA News” title_text=”kiplinger” align=”center” _builder_version=”4.27.4″ _module_preset=”default” background_enable_color=”off” global_colors_info=”{}”][/et_pb_image][/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”] Tariffs, Inflation, Uncertainty, Oh My: How to Feel Less Stressed About Finances Now By: Janna Herron November 4, 2025 [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″
- [Polarity Mapping Can Help Transform Money Conflicts](https://kahlerfinancial.com/financial-awakenings/money-psychology/polarity-mapping-can-help-transform-money-conflicts) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/087scAtCIiw” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] In making choices about money, do you lean toward enjoying the moment or preparing for the future? Fee-only financial planner and therapist Rick Kahler: Polarity mapping can shift from "spender or saver" conflict to balancing the value and risks of both
- [The Leadership Challenge of Letting Go](https://kahlerfinancial.com/financial-awakenings/weekly-column/the-leadership-challenge-of-letting-go) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/uA1MJvsGAoI” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] Over my years as a financial advisor, I have helped many clients work through the financial and Fee-only financial planner and therapist Rick Kahler: The emotional impact of transition and leadership lessons in carrying out a business succession plan
- [The Birth of Financial Therapy: Rick Kahler on 15 Years of Evolution](https://kahlerfinancial.com/financial-awakenings/news-room-media/the-birth-of-financial-therapy-rick-kahler-on-15-years-of-evolution) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” min_height=”695.7px” custom_margin=”-21px|||||” custom_padding=”||3px|||” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” min_height=”505.7px” custom_padding=”16px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”] Join Dr. Megan Ford, Director of the University of Georgia’s Love and Money Center, in conversation with financial therapy pioneer Rick Kahler. Discover how a divorce sparked Rick’s journey from traditional financial planner to one
- [Taking a Closer Look At Financial Sacred Cows](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/taking-a-closer-look-at-financial-sacred-cows) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/qekx57W1LjU” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] Some financial advice is repeated so often it begins to seem cast in stone: Never touch your Fee-only financial planner and therapist Rick Kahler: Long-held money "rules" are valuable guides but may not always fit your needs; it's okay to adapt them
- [What to Do When Markets Hit Record Highs and Your Nerves Start to Wobble](https://kahlerfinancial.com/financial-awakenings/money-psychology/what-to-do-when-markets-hit-record-highs-and-your-nerves-start-to-wobble) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/JfNvpYyrqV8″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] Have you ever stood on a ladder, painting a wall or trimming a branch, and suddenly realized Fee-only financial planner and therapist Rick Kahler: How to help keep both emotions and finances in balance during stressful market highs
- [The hurdle dampening FIRE goals](https://kahlerfinancial.com/financial-awakenings/news-room-media/the-hurdle-dampening-fire-goals) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”||3px|||” global_colors_info=”{}”][et_pb_row column_structure=”2_5,3_5″ _builder_version=”4.27.0″ _module_preset=”default” background_enable_color=”off” width=”100%” custom_padding=”||26px|||” global_colors_info=”{}”][et_pb_column type=”2_5″ _builder_version=”4.27.0″ _module_preset=”default” background_color=”#000000″ global_colors_info=”{}”][et_pb_image src=”https://kahlerfinancial.com/wp-content/uploads/2025/10/download-2.png” alt=”KOTA News” title_text=”download 1″ align=”center” _builder_version=”4.27.4″ _module_preset=”default” background_enable_color=”off” global_colors_info=”{}”][/et_pb_image][/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”] The hurdle dampening FIRE goals By: Elijah Nicholson-Messmer October 1, 2025 [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”0px|||||” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ _module_preset=”default” width=”100%”
- [Federal Reserve Rates and Your Personal Financial Balance](https://kahlerfinancial.com/financial-awakenings/asset-protection/federal-reserve-rates-and-your-personal-financial-balance) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/kt8clYn95u8″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] Whenever the Federal Reserve announces a change in the federal funds rate, it’s big news. Financial pundits Fee-only financial planner and therapist Rick Kahler: Focus on your own money choices within context of economic factors like Fed rate cuts
- [Protect Your Financial Future From The Slow Leak of Inflation](https://kahlerfinancial.com/financial-awakenings/asset-protection/protect-your-future-from-the-slow-leak-of-inflation) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/AkHq72sGydU” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] Have you ever been tempted to ignore a dripping faucet? Just a drop here and there doesn’t Fee-only financial planner and therapist Rick Kahler: Prevent inflation's slow drain of your wealth with regular maintenance, attention to your financial plan
- [Greenland’s Surprise Win After Trump’s Proposal To Buy It](https://kahlerfinancial.com/financial-awakenings/money-psychology/greenlands-surprise-win-after-trumps-proposal-to-buy-it) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/6SZziFhFDhA” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] I recently visited Greenland and was a bit uncertain about what kind of reception to expect, given Fee-only financial planner and therapist Rick Kahler: Endowment bias that turned Trump's wish to buy Greenland into a win for the "not for sale" territory
- [Portfolio Guardrails To Help Manage Investing Anxiety](https://kahlerfinancial.com/financial-awakenings/asset-protection/portfolio-guardrails-to-help-manage-investing-anxiety) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/TuS2qev5__k” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] On-and-off-and-on again tariffs. Wars that drag on without resolution. Political gridlock making it nearly impossible to know Fee-only financial planner and therapist Rick Kahler: In volatile global markets, managing anxiety may be investors' most important safeguard
- [Hypnosis As a Clinical Tool for Changing Financial Behavior](https://kahlerfinancial.com/financial-awakenings/money-psychology/hypnosis-as-a-clinical-tool-for-changing-financial-behavior) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/R9hGdat7ZR0″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] “Let me hypnotize you, and then we’ll talk about your money.” Your reaction to this suggestion would Fee-only financial planner and therapist Rick Kahler: Hypnosis used ethically by a qualified professional can be a useful tool in financial therapy
- [Is That Socialism? The US Government's Share Of Intel](https://kahlerfinancial.com/financial-awakenings/weekly-column/is-that-socialism-the-us-governments-share-of-intel) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/yPc3rpMqgK0″ _builder_version=”4.27.4″ _module_preset=”default” custom_margin=”||9px|||” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”] “But isn’t that socialism?” This question was one reader’s response to last week’s column about the Fee-only financial planner and therapist Rick Kahler: US government taking share of Intel is coercive state capitalism, not socialism
- [If the Government Can Take A 15% Cut From Nvidia, Who Is Next?](https://kahlerfinancial.com/financial-awakenings/weekly-column/if-the-government-can-take-a-15-cut-from-nvidia-who-is-next) - Fee-only financial planner and therapist Rick Kahler: Government demanding cut of Nvidia sales is a step away from free market capitalism
- [Is Real Estate Still Worth It? What Small Landlords Need to Know](https://kahlerfinancial.com/financial-awakenings/weekly-column/is-real-estate-still-worth-it-what-small-landlords-need-to-know) - Fee-only financial planner and therapist Rick Kahler: Rental real estate is an investment to approach with caution, research, and a long-term view
- [Trustworthy, Nonpolitical Economic Data Is Essential For A Healthy Economy](https://kahlerfinancial.com/financial-awakenings/money-psychology/trustworthy-nonpolitical-economic-data-is-essential-for-a-healthy-economy) - Fee-only financial planner and therapist Rick Kahler: Firing of BLS commissioner challenges integrity of economic data and undermines market confidence
- [The Trust Capital of the U.S. - South Dakota](https://kahlerfinancial.com/financial-awakenings/estate-planning/the-trust-capital-of-the-u-s-south-dakota) - Kahler Financial provides information on the trust capital of the U.S. - South Dakota. Visit our website for more information.
- [Get Started On Your Ethical Will](https://kahlerfinancial.com/financial-awakenings/estate-planning/get-started-on-your-ethical-will) - Financial Planner Rick Kahler encourages clients to create an ethical will by attending a webinar given by Susan Turnbull.
- [IRS Ruling Offers Aid On 2009 RMDs](https://kahlerfinancial.com/financial-awakenings/conscious-cash-flow/new-irs-ruling-allows-relief-on-unwanted-2009-rmds) - Fee only financial planner Rick Kahler says according to IRA guru Ed Slott, IRA Owners and Plan Participants can now put back unwanted RMDs for 2009.
- [Negotiating an End To the "Prenup War"](https://kahlerfinancial.com/financial-awakenings/asset-protection/winning-the-prenup-war) - Fee-only financial planner Rick Kahler: Premarital counseling, legal advice, healthy money relationships for couple key to negotiating prenuptial agreement
- [SD Domestic Asset Protection Trusts Just Got Stronger](https://kahlerfinancial.com/financial-awakenings/asset-protection/sd-domestic-asset-protection-trusts-just-got-stronger) - Fee-only financial planner Rick Kahler: change to SD's Domestic Asset Protection Trust law removes spousal exception, strengthens DAPT as asset protection tool
- [SIMPLE IRA Deadline For 2010 is Oct 1](https://kahlerfinancial.com/financial-awakenings/business-owners/simple-ira-deadline-for-2010-is-oct-1) - Kahler Financial provides information on the simple IRA deadline for 2021 is Oct 1. Visit our website for more information.
- [Making Money on College Housing](https://kahlerfinancial.com/financial-awakenings/in-the-news/making-money-on-college-housing) - Imagine this scenario: A bunch of college kids, on their own for the first time, sharing a house. And you're their landlord. Anyone who remembers the movie "Animal House" may shudder at the very idea of this as a real estate investment option. In the right circumstances, though, it can be a way for college
- [Having the money talk: Know your money personality](https://kahlerfinancial.com/financial-awakenings/in-the-news/having-the-money-talk-know-your-money-personality) - Fee-only financial planner Rick Kahler says you can’t assume your partner will change after marriage. What you see is what you get.
- [Finding a Trustworthy Trustee](https://kahlerfinancial.com/financial-awakenings/asset-protection/finding-a-trustworthy-trustee) - Fee-only financial planner Rick Kahler: Tips for choosing trustworthy personal or corporate trustee to act in best interests of beneficiary
- [Avoid "Emergency Room" Financial Planning](https://kahlerfinancial.com/financial-awakenings/asset-protection/avoid-emergency-room-financial-planning) - #post_contentFee-only financial planner Rick Kahler: Many financial emergencies are preventable; get financial advice ahead of time to avoid costly, stressful crises
- [What If Your Deepest Truths About Money Aren't Really True?](https://kahlerfinancial.com/financial-awakenings/money-psychology/what-if-your-deepest-truths-about-money-arent-really-true) - Fee-only financial planner and therapist Rick Kahler: Why reshaping rigid money scripts matters for emotional wellbeing and financial success
- [Dramatic Cost Increases Coming For ACA Marketplace Insurance](https://kahlerfinancial.com/financial-awakenings/insurance/dramatic-cost-increases-coming-for-aca-marketplace-insurance) - Fee-only financial planner and therapist Rick Kahler: Prepare now for financial impact of increases in ACA marketplace health insurance premiums
- [Managing Your Mortgage for Financial Independence](https://kahlerfinancial.com/financial-awakenings/weekly-column/managing-your-mortgage-for-financial-independence) - Fee-only financial planner Rick Kahler's: consider options before choosing to refinance or pay off mortgage for financial independence
- [Are psychedelics the next frontier in financial therapy?](https://kahlerfinancial.com/financial-awakenings/news-room-media/are-psychedelics-the-next-frontier-in-financial-therapy) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”||3px|||” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row column_structure=”2_5,3_5″ _builder_version=”4.27.0″ _module_preset=”default” background_enable_color=”off” width=”100%” custom_padding=”||26px|||” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”2_5″ _builder_version=”4.27.0″ _module_preset=”default” background_color=”#000000″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_image src=”https://kahlerfinancial.com/wp-content/uploads/2025/07/Financial-Planning-logo.png” alt=”KOTA News” title_text=”Financial Planning logo” align=”center” _builder_version=”4.27.4″ _module_preset=”default” background_enable_color=”off” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″][/et_pb_image][/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] Are psychedelics the next frontier in financial therapy?
- [Your Investments: The miserable rich and happy poor - opinion](https://kahlerfinancial.com/financial-awakenings/news-room-media/your-investments-the-miserable-rich-and-happy-poor-opinion) - In an interesting article about financial wellbeing, Rick Kahler, founder of the Kahler Financial Group, asks, “What is financial well-being?”
- [How to Find a Qualified Financial Therapist](https://kahlerfinancial.com/financial-awakenings/money-psychology/how-to-find-a-qualified-financial-therapist) - Fee-only financial planner and therapist Rick Kahler: Financial Therapy Association a good place to start search for a qualified financial therapist
- ["Big Beautiful Tax Cuts" Deliver Less Than Promised](https://kahlerfinancial.com/financial-awakenings/tax-planning/big-beautiful-tax-cuts-deliver-less-than-promised) - Fee-only financial planner and therapist Rick Kahler: Real Impact of "Big Beautiful tax cuts" is status quo from extending 2017 tax rates
- [Poorly Structured "Trump Accounts" More Hype Than Help For Families](https://kahlerfinancial.com/financial-awakenings/weekly-column/poorly-structured-trump-accounts-more-hype-than-help-for-families) - Fee-only financial planner and therapist Rick Kahler: complex, inflexible, tax-disadvantaged Trump Accounts lag behind other college saving options
- [Does Income Equal Wealth? Not Necessarily](https://kahlerfinancial.com/financial-awakenings/weekly-column/does-income-equal-wealth-not-necessarily) - Fee-only financial planner Rick Kahler: High income no guarantee of high net worth that defines wealth; to build wealth, spend less than you earn
- [The Emotional Cost of Bankruptcy and Insolvency](https://kahlerfinancial.com/financial-awakenings/money-psychology/the-emotional-cost-of-bankruptcy-and-insolvency) - Fee-only financial planner and therapist Rick Kahler: Declaring bankruptcy and facing insolvency have a high emotional as well as financial cost
- [Shoplifting, an Invisible Costly Problem](https://kahlerfinancial.com/financial-awakenings/money-psychology/shoplifting-an-invisible-costly-money-problem) - Fee-only financial planner Rick Kahler: Shoplifting an invisible problematic money behavior, secret crime that costs consumers more than we know
- [Teaching Money Skills Essential For 21st Century](https://kahlerfinancial.com/financial-awakenings/money-psychology/teaching-money-skills-essential-for-21st-century) - #post_contentFee-only financial planner Rick Kahler: Money skills are essential for life success and should be taught, applying them also requires addressing money beliefs
- [Do Political Biases Shape Your Planner's Financial Advice?](https://kahlerfinancial.com/financial-awakenings/asset-protection/do-political-biases-shape-your-planners-financial-advice) - Fee-only financial planner and therapist Rick Kahler: How to verify that your advisor's political opinions don't skew their financial advice
- [How to Make Smart Financial Decisions in Stressful Times](https://kahlerfinancial.com/financial-awakenings/news-room-media/how-to-make-smart-financial-decisions-in-stressful-times) - In today’s fast-paced world, where financial decisions come quickly and stress can run high, slowing down and checking in with your emotional well-being might be just what your wallet needs.
- [Making big financial decisions when the world is giving you heartburn](https://kahlerfinancial.com/financial-awakenings/news-room-media/making-big-financial-decisions-when-the-world-is-giving-you-heartburn) - When you're making a big financial decision - whether to buy a house, change careers, retire, etc. - chances are you already have a number of concerns.
- [Cryptocurrency Isn’t Money—It’s Something Much Bigger](https://kahlerfinancial.com/financial-awakenings/money-psychology/cryptocurrency-isnt-money-its-something-much-bigger) - Fee-only financial planner and therapist Rick Kahler: Cryptocurrency is a high-risk speculative asset to bypass traditional financial regulation
- [From College Fund to Retirement Nest Egg – Tax Free](https://kahlerfinancial.com/financial-awakenings/tax-planning/from-college-fund-to-retirement-nest-egg-tax-free) - Fee-only financial planner and therapist Rick Kahler: Unused college funds in a child's 529 plan can now be rolled over into a Roth IRA in their name
- [Financial Security Relies on Constitutional Stability](https://kahlerfinancial.com/financial-awakenings/asset-protection/financial-security-relies-on-constitutional-stability) - Fee-only financial planner and therapist Rick Kahler: Threats to suspend habeas corpus are threats to economic stability and financial markets
- [Protect Yourself From Fear-Based Gold Fever](https://kahlerfinancial.com/financial-awakenings/money-psychology/protect-yourself-from-fear-based-gold-fever) - Fee-only financial planner and therapist Rick Kahler: What I learned from buying gold 45 years ago; fearful gold fever drives poor investment choices
- [When Economic Facts Become Political Opinions: A Financial Advisor’s Dilemma](https://kahlerfinancial.com/financial-awakenings/money-psychology/when-economic-facts-become-political-opinions-a-financial-advisors-dilemma) - Fee-only financial planner and therapist Rick Kahler: friction between economic facts and clients' political biases poses a challenge to advisor integrity
- [National Bitcoin Reserve Makes No Financial Sense](https://kahlerfinancial.com/financial-awakenings/asset-protection/national-bitcoin-reserve-makes-no-financial-sense) - Fee-only financial planner and therapist Rick Kahler: U.S. digital stockpile of risky, unregulated cryptocurrency is a poor economic idea
- [Beware of Borrowing That Helps Your Advisor, Not You](https://kahlerfinancial.com/financial-awakenings/asset-protection/beware-of-borrowing-that-helps-your-advisor-not-you) - Fee-only financial planner and therapist Rick Kahler: High interest and risks may make margin loans a better deal for broker than for you; borrow with caution
- [New Book by Dave Jetson Shows Value of Therapy](https://kahlerfinancial.com/financial-awakenings/money-psychology/new-book-by-dave-jetson-shows-value-of-therapy) - Fee-only financial planner Rick Kahler: book Finding Emotional Freedom, by Dave Jetson, shows financial and emotional cost of codependency, value of therapy
- [No Such Thing as a Free Pet](https://kahlerfinancial.com/financial-awakenings/weekly-column/no-such-thing-as-a-free-pet) - Fee-only financial planner Rick Kahler: Consider long-term costs for a pet's food, vet bills, care, maintenance before taking on even a free pet
- [Waiting For the Second Dip in the "W"](https://kahlerfinancial.com/financial-awakenings/weekly-column/waiting-for-the-second-dip-in-the-w) - Fee-Only Financial Planner Rick Kahler's Advice on Preparing for the Next Down Market and an Extended W-Shaped Recovery
- [To Graduates: Skilled Trades Can Be A Practical Path To Success](https://kahlerfinancial.com/financial-awakenings/weekly-column/to-graduates-skilled-trades-can-be-a-practical-path-to-success) - Fee-only financial planner and therapist Rick Kahler: Practical entrepreneurship, trades are alternatives to college degree for wealth and success
- [National Debt and Making More Money](https://kahlerfinancial.com/financial-awakenings/weekly-column/national-debt-and-making-more-money) - Fee-only financial planner Rick Kahler: Federal debt, deficit, inflation, and understanding US government's ability to create more dollars
- [Is Inflation Still a Threat? The Surprising Truth Behind the Numbers](https://kahlerfinancial.com/financial-awakenings/money-psychology/is-inflation-still-a-threat-the-surprising-truth-behind-the-numbers) - Fee-only financial planner and therapist Rick Kahler: Economic date contrasts with personal perceptions of inflation
- [Who's Your Marley?](https://kahlerfinancial.com/financial-awakenings/in-the-news/whos-your-marley) - Here's an interesting perspective on the transformation of Scrooge as described in Rick's co-authored book The Financial Wisdom of Ebenezer Scrooge. Justus Morgan's December 4 "To Your Wealth" column for The Journal Times of Racine, Wisconsin, asks readers to think about the mentors or events that might have started them on a path toward better
- [New Client Communication Center](https://kahlerfinancial.com/financial-awakenings/in-the-news/new-client-communication-center) - As of October 1, 2005, KFG Clients will receive an upgrade in the manner in which we communicate with you. We are doing away with our quarterly newsletter (both in the printed and electronic form) and going with a continuous, interactive newsletter......known as a weblog or blog for short. Weblogs have a number of advantages
- [Divorce Brings Emotional and Financial Pain](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/divorce-brings-emotional-and-financial-pain) - Fee-only financial planner Rick Kahler: Tips to cope with financial pain of divorce: get advice and support, do spending plan, negotiate through conflict
- [Why Are Bequests to Charity So Rare?](https://kahlerfinancial.com/financial-awakenings/estate-planning/why-are-bequests-to-charity-so-rare) - Fee-only financial planner and therapist Rick Kahler: Why so few wills include bequests to charity; money scripts that family should inherit
- [Protecting Elders From Financial Exploitation](https://kahlerfinancial.com/financial-awakenings/asset-protection/protecting-elders-from-financial-exploitation) - Fee-only financial planner and therapist Rick Kahler: Senior Safe Act helps advisors protect elderly clients from financial abuse, exploitation
- [The Taxes You Don't See When You Pay Them](https://kahlerfinancial.com/financial-awakenings/money-psychology/the-taxes-you-dont-see-on-your-receipts) - Fee-only financial planner and therapist Rick Kahler: Tariffs are hidden taxes that politicians don't want you to see on your receipts
- [Turn Financial Aha Moments Into Lasting Change With Memory Reconsolidation](https://kahlerfinancial.com/financial-awakenings/money-psychology/turn-financial-aha-moments-into-lasting-change-with-memory-reconsolidation) - Fee-only financial planner and therapist Rick Kahler: Update money memories for lasting changes in financial behavior
- [This Time Really Is Different](https://kahlerfinancial.com/financial-awakenings/news-room-media/this-time-really-is-different) - In the interview with Kahler, strongly suggests that clients keep a cache of cash at home in case the government limits the amount of money they may withdraw.
- [Making Your Nest Egg Last As Long As You Do](https://kahlerfinancial.com/financial-awakenings/asset-protection/making-your-nest-egg-last-as-long-as-you-do) - Withdrawal rates to maintain your retirement income through life's ups, downs, and unexpected detours. Will your nest egg last? Rick Kahler shares some insight.
- [Why Tariffs Won't Bring Back the "Good Old Days"](https://kahlerfinancial.com/financial-awakenings/money-psychology/why-tariffs-wont-bring-back-the-good-old-days) - Fee-only financial planner and therapist Rick Kahler: Nostalgic view of tariffs as protecting American jobs and industry is a dangerous myth
- [The Deeper Damage From a Declining Dollar](https://kahlerfinancial.com/financial-awakenings/money-psychology/the-deeper-damage-from-a-declining-dollar) - Fee-only financial planner and therapist Rick Kahler: Dropping value of dollar shows rapid erosion of trust in US credibility, integrity, and stability
- [First Financial Therapy Association Meeting a Success](https://kahlerfinancial.com/financial-awakenings/financial-coaching-therapy/first-financial-therapy-association-meeting-a-success) - If you have any interest in financial therapy, this is an organization you will want to consider joining. Check them out here.
- [No, Social Security Is Not a Ponzi Scheme](https://kahlerfinancial.com/financial-awakenings/weekly-column/no-social-security-is-not-a-ponzi-scheme) - Fee-only financial planner and therapist Rick Kahler: Social Security is a pay-as-you-go tax program; it needs some adjustments but is not broken
- [The Jazz of Money: Improvising Past Financial Sour Notes](https://kahlerfinancial.com/financial-awakenings/money-psychology/the-jazz-of-money-improvising-through-financial-sour-notes) - Fee-only financial planner and therapist Rick Kahler: After financial setbacks or money mistakes, don't give up butadapt, improvise, and keep on playing
- ['Stay the Course’ Amid Tanking Stock Market](https://kahlerfinancial.com/financial-awakenings/news-room-media/stay-the-course-amid-tanking-stock-market) - Investors are preparing to bail out of the U.S. stock market in anticipation of the “biggest drop in U.S. equity allocation ever.” But one local financial advisor is telling people here, not to panic.
- [Threats to the Rule of Law Put Markets at Risk](https://kahlerfinancial.com/financial-awakenings/asset-protection/threats-to-the-rule-of-law-put-markets-at-risk) - Fee-only financial planner and therapist Rick Kahler: rule of law is the foundation of U.S. economic stability; markets run on trust, not just numbers
- [Tariffs and the Stock Market: Resist Panic, Reach for Patience](https://kahlerfinancial.com/financial-awakenings/asset-protection/tariffs-and-the-stock-market-resist-panic-reach-for-patience) - Fee-only financial planner and therapist Rick Kahler: With tariffs' harm to economy, it's vital for investors to resist panic selling in dropping markets
- [How To Get Results On Homeowner Insurance Claims](https://kahlerfinancial.com/financial-awakenings/asset-protection/how-to-get-results-on-homeowner-insurance-claims) - Fee-only financial planner and therapist Rick Kahler: Tips to get the settlement you deserve from a homeowners insurance claim
- [The  Power of Attorney Mistake That Could Cost You Everything](https://kahlerfinancial.com/financial-awakenings/asset-protection/the-power-of-attorney-mistake-that-could-cost-you-everything) - Fee-only financial planner and therapist Rick Kahler: Help protect your finances from mismanagement by naming advisor in Power of Attorney
- [Can One-Eighth of an Inheritance Be Enough? A Lesson from Jordan](https://kahlerfinancial.com/financial-awakenings/estate-planning/can-one-eighth-of-an-inheritance-be-enough-a-lesson-from-jordan) - Fee-only financial planner and therapist Rick Kahler: A glimpse into Islamic inheritance law and cultural perspectives on financial security
- [Frugality or Spending Freely? The Dying Broke Dilemma](https://kahlerfinancial.com/financial-awakenings/asset-protection/frugality-or-spending-freely-the-die-broke-dilemma) - Fee-only financial planner and therapist Rick Kahler: A goal to spend now and die broke can mean reframing lifelong frugal money scripts
- [Writing Your Emotional Legacy: The Power of Last Love Letters](https://kahlerfinancial.com/financial-awakenings/estate-planning/writing-your-emotional-legacy-the-power-of-last-love-letters) - Fee-only financial planner and therapist Rick Kahler: last love letter is emotional legacy that helps nurture relationships, pass on love and values
- [Are Boomers Really Spending Their Children's Inheritance?](https://kahlerfinancial.com/financial-awakenings/estate-planning/are-boomers-really-spending-their-childrens-inheritance) - Fee-only financial planner and therapist Rick Kahler: Schwab survey shows divide between Boomers and younger generations in views on spending and inheritance
- [Amid Digital Debacles, Why You Need To Rely On Cash](https://kahlerfinancial.com/financial-awakenings/news-room-media/amid-digital-debacles-why-you-need-to-rely-on-cash) - Is cash trash? Should you rely on cash? Folding green may seem anachronistic. But Rick Kahler, president of Kahler Financial Group , begs to differ.
- [How to Make Sense of Big Numbers](https://kahlerfinancial.com/financial-awakenings/weekly-column/how-to-make-sense-of-big-numbers) - Fee-only financial planner Rick Kahler: How to understand big numbers; notice length of time and if interest is included, read carefully
- [Happiness While You Work](https://kahlerfinancial.com/financial-awakenings/weekly-column/happiness-while-you-work) - Fee-only financial planner Rick Kahler: Job satisfaction is important to well-being but worldwide levels of happiness at work are not high
- [Price Controls and Other Economic Myths Pushed by Politicians](https://kahlerfinancial.com/financial-awakenings/money-psychology/price-controls-and-other-economic-myths-pushed-by-politicians) - Fee-only financial planner and therapist Rick Kahler: Rent controls, interest rate ceilings, price caps and other economic proposals politicians know won't work
- [Guard Against Junk Fees With DIY Transparency](https://kahlerfinancial.com/financial-awakenings/money-psychology/guard-against-junk-fees-with-diy-transparency) - Fee-only financial planner and therapist Rick Kahler: Ending hidden "junk" fees not likely any time soon; read fine print to protect yourself against junk fees.
- [Bankrate Article Takes a Look at Money Scripts](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/bankrate-article-takes-a-look-at-money-scripts) - A recent Bankrate article by Clark Palmer takes a look at some of the beliefs about money that can keep people stuck.
- [Help Your Internal Board of Directors Make Stronger Money Choices](https://kahlerfinancial.com/financial-awakenings/money-psychology/help-your-internal-board-of-directors-make-stronger-money-choices) - Fee-only financial planner and therapist Rick Kahler: Work with your Internal Financial System for healthier and stronger money choices for financial behavior
- [Understanding Your Internal Financial System](https://kahlerfinancial.com/financial-awakenings/money-psychology/understanding-your-internal-financial-system) - Fee-only financial planner and therapist Rick Kahler: How your Internal Financial System shapes your money choices
- [Spending without guilt](https://kahlerfinancial.com/financial-awakenings/news-room-media/spending-without-guilt) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”||3px|||” global_colors_info=”{}”][et_pb_row column_structure=”2_5,3_5″ _builder_version=”4.16″ _module_preset=”default” width=”100%” custom_padding=”||26px|||” global_colors_info=”{}”][et_pb_column type=”2_5″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https://kahlerfinancial.com/wp-content/uploads/2022/06/moneyscoop.png” title_text=”moneyscoop” _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][/et_pb_image][/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”] Spending without guilt By Myriam Robinson June 28, 2022 [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”0px|||||” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.17.4″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}”
- [Why Your Financial Planner Needs a Financial Planner](https://kahlerfinancial.com/financial-awakenings/money-psychology/why-your-financial-planner-needs-a-financial-planner) - Fee-only financial planner and therapist Rick Kahler: Why it's a sign of competence if your financial advisor has their own financial planner
- [Are We In a Recession? Look to Trustworthy Data for the Answer](https://kahlerfinancial.com/financial-awakenings/money-psychology/are-we-in-a-recession-look-to-trustworthy-data-for-the-answer) - Fee-only financial planner and therapist Rick Kahler: When a recession will occur is impossible to predict; but government economic indicators are reliable
- [The Middle-Class Cost of Medicare for All](https://kahlerfinancial.com/financial-awakenings/insurance/the-middle-class-cost-of-medicare-for-all) - Fee-only financial planner Rick Kahler: Medicare for All tax increases on capital gains, financial transactions would raise taxes for middle class
- [The Dubious Honor Of Serving As Executor](https://kahlerfinancial.com/financial-awakenings/estate-planning/the-dubious-honor-of-serving-as-executor) - #post_contentFee-only financial planner Rick Kahler: Serving as executor of an estate a more complex, demanding, time-consuming job than most testators or heirs realize
- [Who’s Really Doing Your Holiday Shopping? It Might Be a Four-Year-Old](https://kahlerfinancial.com/financial-awakenings/money-psychology/whos-really-doing-your-holiday-shopping-it-might-be-a-four-year-old) - Rick Kahler, a fee-only financial planner and therapist, says holiday shopping stress may arise from a "child" in your internal financial system.
- [How Grief’s Emotional Impact Is Compounded by Secondary Financial Loss](https://kahlerfinancial.com/financial-awakenings/estate-planning/how-griefs-emotional-impact-is-compounded-by-secondary-financial-loss) - Explore how sorrow affects emotional well-being and financial stability. Learn how loss can influence emotional health and financial security.
- [The Missing Piece in America’s Health Care Debate](https://kahlerfinancial.com/financial-awakenings/insurance/the-missing-piece-in-americas-health-care-debate) - Fee-only financial planner and therapist Rick Kahler: international health care cost comparisons need to include tax rates, number of uninsured
- [Why Technology Makes Modern Financial Planning More Human Than Ever](https://kahlerfinancial.com/financial-awakenings/money-psychology/why-technology-makes-modern-financial-planning-more-human-than-ever) - Fee-only financial planner and therapist Rick Kahler: High technology investment tools help advisors focus on helping clients build wellbeing and richer lives
- [The Potential Tax Silver Lining in a GOP Sweep](https://kahlerfinancial.com/financial-awakenings/asset-protection/the-potential-tax-silver-lining-in-a-gop-sweep) - Fee-only financial planner and therapist Rick Kahler: Potential tax advantages with new presidential administration.
- [The $182,000 Social Security Mistake That Could Limit Your Retirement](https://kahlerfinancial.com/financial-awakenings/money-psychology/the-182000-social-security-mistake-that-could-limit-your-retirement) - Fee-only financial planner and therapist Rick Kahler: The financial rewards of waiting until 70 to claim Social Security affect your retirement wellbeing
- [Rick Cited; Talking to Kids About Money](https://kahlerfinancial.com/financial-awakenings/in-the-news/talking-to-kids-about-money-rick-featured-in-online-magazine) - Kahler Financial Group provide tips for talking to kids about money as Rick is featured in Online Magazine. Visit our website for more information.
- [Finding an Advisor To Help Build Financial Wellbeing as a Couple](https://kahlerfinancial.com/financial-awakenings/money-psychology/finding-an-advisor-to-help-build-financial-wellbeing-as-a-couple) - Fee-only financial planner and therapist Rick Kahler: Finding an advisor for couples financial wellbeing can help build a successful financial partnership.
- [Where Financial Planning Meets Couples Therapy](https://kahlerfinancial.com/financial-awakenings/money-psychology/where-financial-planning-meets-couples-therapy) - Fee-only financial planner and therapist Rick Kahler: Couples need advisors with skills to facilitate difficult money conversations
- [The Value Of An Annual Financial Checkup](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/the-value-of-an-annual-financial-checkup) - Fee-only financial planner and therapist Rick Kahler: Maintain money wellness with annual advisor meetings to catch potential problems and adapt to life changes
- [Are Boomers and Gen Xers Financially Ready for Retirement?](https://kahlerfinancial.com/financial-awakenings/tax-planning/are-boomers-and-gen-xers-financially-ready-for-retirement) - Fee-only financial planner and therapist Rick Kahler: Preparing for retirement includes strategies for long-term care, reduced living costs, and tax planning
- [Dig Deeper Than CFP To Find Financial Planner](https://kahlerfinancial.com/financial-awakenings/weekly-column/dig-deeper-than-cfp-to-find-financial-planner) - Fee-only financial planner Rick Kahler: CFP designation only a starting point; no guarantee an advisor is fee-only, fiduciary, ethical, or competent
- [106 Things We Do For Clients, No. 2](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/106-things-we-do-for-clients-no-2) - No. 2: Adopt and implement a fiduciary standard in relation to you, your family, your assets, and your financial future.
- [Ways Not to Choose Financial Advisors](https://kahlerfinancial.com/financial-awakenings/weekly-column/ways-not-to-choose-financial-advisors) - Fee-only financial planner Rick Kahler: To choose advisors, look past marketing to assess training, values, investment philosophy and options, experience
- [Tariffs: The Invisible Tax That Hits You at the Checkout](https://kahlerfinancial.com/financial-awakenings/money-psychology/tariffs-the-invisible-tax-that-hits-you-at-the-checkout) - Fee-only financial planner and therapist Rick Kahler: tariffs mean higher prices paid by American consumers, not foreign companies
- [Can Economic Indicators Or Betting Markets Predict Election Results?](https://kahlerfinancial.com/financial-awakenings/weekly-column/can-economic-indicators-or-betting-markets-predict-election-results) - Fee-only financial planner and therapist Rick Kahler: Economic indicators of presidential election outcome may not align with campaign claims
- [Why Your Future Self Will Thank You For Making Coffee At Home](https://kahlerfinancial.com/financial-awakenings/money-psychology/why-your-future-self-will-thank-you-for-making-coffee-at-home) - Fee-only financial planner and therapist Rick Kahler: Change small spending habits, invest the savings, and you may see long-term financial rewards
- [Travel Insurance: Don't Leave the Country Without It](https://kahlerfinancial.com/financial-awakenings/insurance/travel-insurance-dont-leave-the-country-without-it) - Ensure peace of mind with travel insurance. Explore why it's essential before leaving the country and how it can protect your trip.
- [Understanding Medicare - This Week's Teleclass](https://kahlerfinancial.com/financial-awakenings/teleclasses-workshops/understanding-medicare-this-weeks-teleclass) - Join this week's tele-class to understand Medicare thoroughly. Get insights and information on enrollment, benefits, and coverage options.
- ["The Dollar is Falling! The Dollar is Falling!"](https://kahlerfinancial.com/financial-awakenings/weekly-column/the-dollar-is-falling-the-dollar-is-falling) - Discover the implications of the falling dollar and its impact on global markets. Stay updated on currency trends and financial strategies.
- [Why Coffee Shops Defy Logic But We Keep Them In Business](https://kahlerfinancial.com/financial-awakenings/money-psychology/why-coffee-shops-defy-logic-but-we-keep-them-in-business) - Fee-only financial planner and therapist Rick Kahler: Why we go to coffee shops when we could save money by making coffee at home
- [Could You Be a Middle-Class Millionaire?](https://kahlerfinancial.com/financial-awakenings/weekly-column/could-you-be-a-middle-class-millionaire) - Fee-only financial planner and therapist Rick Kahler: Why having one million dollars doesn't make you wealthy. What is Middle-class millionaire?
- [In a Digital World, Should You Still Carry Cash?](https://kahlerfinancial.com/financial-awakenings/asset-protection/in-a-digital-world-should-you-still-carry-cash) - Fee-only financial planner and therapist Rick Kahler: Find the right mix of cash and digital transactions to balance security and convenience
- [Avoid ‘knee-jerk reactions’ to candidates’ proposed tax increases](https://kahlerfinancial.com/financial-awakenings/news-room-media/avoid-knee-jerk-reactions-to-candidates-proposed-tax-increases) - Investors may feel stressed by the flurry of tax policy proposals. Those emotions can trigger rash financial decisions, experts say.
- [Creating Wealth and Financial Freedom By Expanding Your Emotional Intelligence](https://kahlerfinancial.com/financial-awakenings/money-psychology/creating-wealth-and-financial-freedom-by-expanding-your-emotional-intelligence-send) - Kahler Financial Group share tips on creating wealth and financial freedom. Visit our website for more information.
- [Leaving Money Wisely To A Spendthrift Heir](https://kahlerfinancial.com/financial-awakenings/asset-protection/leaving-money-wisely-to-a-spendthrift-heir) - #post_contentFee-only financial planner Rick Kahler: Trust or Single Premium Immediate Annuity can protect money left to overspending heir
- [How Your Money Code of Conduct Shapes Your Financial Success](https://kahlerfinancial.com/financial-awakenings/money-psychology/how-your-money-code-of-conduct-shapes-your-financial-success) - Fee-only financial planner and therapist Rick Kahler: Your money code of conduct affects your financial and emotional wellbeing
- [Advisory firms turn to life coaches, psychologists](https://kahlerfinancial.com/financial-awakenings/news-room-media/advisory-firms-turn-to-life-coaches-psychologists) - Kahler Financial shares how advisory firms turn to life coaches and psychologists. Visit our website to learn more.
- [Article: Benefits of Financial Therapy](https://kahlerfinancial.com/financial-awakenings/financial-coaching-therapy/us-news-and-world-report-article-on-benefits-of-financial-therapy) - Rick describes the value of financial therapy in a new article in US News and World Report. You can read the entire article here.
- [Rick Receives Five-Star Designation](https://kahlerfinancial.com/financial-awakenings/in-the-news/rick-awarded-the-paladin-registrys-five-star-designation) - Kahler Financial congratulate Rick as he is awarded the Paladin Registry's Five Star Designation. Visit our website to learn more.
- [How Money Scripts Affect Funeral Planning](https://kahlerfinancial.com/financial-awakenings/estate-planning/how-money-scripts-affect-funeral-planning) - Fee-only financial planner and therapist Rick Kahler: Without planning for final expenses, money scripts can drive funeral and burial decisions
- [Setting up your Coupleship Inc](https://kahlerfinancial.com/financial-awakenings/news-room-media/setting-up-your-coupleship-inc) - Rick Kahler joins In the Moment to break down how couples can broach an important subject: Money.
- [The Financial Impact of Grief and Loss](https://kahlerfinancial.com/financial-awakenings/weekly-column/the-financial-impact-of-grief-and-loss) - Fee-only financial planner and therapist Rick Kahler: Grief and loss often have financial impact and affect money decisions
- [Strategy Advice | Graduating From College Debt-Free](https://kahlerfinancial.com/financial-awakenings/news-room-media/strategy-advice-graduating-from-college-debt-free) - From SDPB's daily public affairs show, In the Moment with Lori Walsh. Strategy advice to give yourself a strong start toward career success by Rick Kahler.
- [The Risks of Extending Fiduciary Duty](https://kahlerfinancial.com/financial-awakenings/news-room-media/cfp-boards-proposal-to-expand-fiduciary-duty-draws-praise-carries-risks) - Kahler Financial shares information on CFP board's proposal to expand fiduciary duty. Visit our website for more information.
- [Are You a Breadsharer or a Breadwinner?](https://kahlerfinancial.com/financial-awakenings/news-room-media/are-you-a-breadsharer-or-a-breadwinner) - Kahler Financial helps you understand if you're a breadsharer or a breadwinner. Visit our website for more information.
- [The Case for Financial Therapy](https://kahlerfinancial.com/financial-awakenings/news-room-media/why-the-best-person-to-give-you-money-advice-may-not-be-an-accountant-or-financial-adviser) - Kahler Financial shares why the best person to give you money advice may not be an accountant or financial adviser. Visit our website to learn more.
- [A Budget Game Plan](https://kahlerfinancial.com/financial-awakenings/news-room-media/a-budget-game-plan) - Kahler Financial shares information on a mother's plan to freeze all of her non-essential spending for January. Visit our website for more information.
- [55 Companies Pay No Taxes--And There Is A Reason](https://kahlerfinancial.com/financial-awakenings/money-psychology/55-companies-pay-no-taxes-and-there-is-a-reason) - #post_contentFee-only financial planner Rick Kahler: Look at facts about corporate taxes, profits, tax credits, and incentives before reacting with outrage
- [Understand Leases A Necessary Money Skill](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/understanding-leases-a-necessary-money-skill) - Fee-only financial planner Rick Kahler: Rental leases are legal documents binding tenants and landlords; understanding them is an important money skill
- [No Free Lunch, No Free Investing](https://kahlerfinancial.com/financial-awakenings/money-psychology/no-free-lunch-no-free-investing) - #post_contentFee-only financial planner Rick Kahler: No-fee investment apps or funds make money, too; investigate before you invest, no such thing as free lunch
- [Your Financial Planner Replaced By A Computer](https://kahlerfinancial.com/financial-awakenings/weekly-column/your-financial-planner-replaced-by-a-computer) - Fee-only financial planner Rick Kahler: Investment advice may become computerized, but full financial planning too complex for robotic advisors any time soon
- [Play Wisely With FIRE Movement](https://kahlerfinancial.com/financial-awakenings/weekly-column/play-wisely-with-fire-movement) - Fee-only financial planner Rick Kahler: FIRE (Financial Independence Retire Early) requires wise frugality, planning, low withdrawal rate
- [Real Estate Market Values Always Local](https://kahlerfinancial.com/financial-awakenings/weekly-column/real-estate-market-values-always-local) - Fee-only financial planner Rick Kahler: Local real estate market the most familiar investment class to most Americans, values always local
- [The Impact of High Taxes on the Rich](https://kahlerfinancial.com/financial-awakenings/tax-planning/unintended-consequences-of-high-taxes-on-the-rich) - Fee-only financial planner Rick Kahler: Unintended consequence of high income taxes on the rich is lost revenue as wealthy residents relocate
- [Do New Socialists Really Want Socialism?](https://kahlerfinancial.com/financial-awakenings/weekly-column/do-new-socialists-really-want-socialism) - Fee-only financial planner Rick Kahler: Self-labeled socialists may not understand socialist economy; expanded social programs not same as socialism
- [Bundle Charitable Giving Through Donor Advised Fund](https://kahlerfinancial.com/financial-awakenings/tax-planning/bundle-charitable-giving-through-donor-advised-fund) - Fee-only financial planner Rick Kahler: Donor Advised Fund a way to bundle charitable deductions; research DAF options, consult adviser before you invest
- [US Health Care Costs: Highest in the World?](https://kahlerfinancial.com/financial-awakenings/weekly-column/us-health-care-costs-highest-in-the-world) - Fee-only financial planner Rick Kahler: High cost of US health care a serious problem; comparison to costs in other countries needs also to compare tax burdens
- [Financial Advice Suitability Standard Does Not Mean What You Think](https://kahlerfinancial.com/financial-awakenings/weekly-column/financial-advice-suitability-standard-does-not-mean-what-you-think) - Fee-only financial planner Rick Kahler: Suitability standard for financial advice does not protect consumers; know what it means before you invest
- [The Millionaire Class](https://kahlerfinancial.com/financial-awakenings/money-psychology/the-millionaire-class) - Fee-only financial planner Rick Kahler: Growing "Millionaire Class" means more middle class Americans are prospering and building future security
- [Less Debt, More Happiness](https://kahlerfinancial.com/financial-awakenings/money-psychology/less-debt-more-happiness) - Fee-only financial planner Rick Kahler: Happiness linked to higher income only if debt level low
- [Kahler Contends There Are No Difficult Clients](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/kahler-contends-there-are-no-difficult-clients) - Rick was recently interviewed for an article titled “Strategies for Dealing With Irrational Clients” that appeared in Investment News this week.
- [High Financial Cost of Divorce](https://kahlerfinancial.com/financial-awakenings/in-the-news/high-financial-cost-of-divorce) - "Keeping a marriage strong is the best investment." This is part of the advice Rick shares in a December 2 Washington Post article by Martha M. Hamilton. The article, which focuses on the financial consequences of divorce for older couples, is titled "Divorcing late in life? Don’t let it destroy your retirement." You can read
- [Rick Appointed To Rushmore Plaza Civic Center Task Force](https://kahlerfinancial.com/financial-awakenings/in-the-news/rick-a-member-of-rushmore-plaza-civic-center-task-force) - Rick is one of ten people appointed by Rapid City Mayor Steve Allender to a task force charged with coming up with a new plan for needed improvements to the Rushmore Plaza Civic Center. The Feb. 7 article in the Rapid City Journal announcing the appointments features Rick, though it erroneously describes him as a
- [Financial Planners' Integrity Shown By Actions More Than Designations](https://kahlerfinancial.com/financial-awakenings/weekly-column/financial-planners-integrity-shown-by-actions-more-than-designations) - Fee-only financial planner Rick Kahler: advisors' integrity, fiduciary responsibility shown by actions, not guaranteed by professional designations
- [A Wider Perspective on Income Inequality](https://kahlerfinancial.com/financial-awakenings/money-psychology/a-wider-perspective-on-income-inequality) - Fee-only financial planner Rick Kahler: Income inequality based on envy of rich; worldwide view and doctrine of sufficiency give broader perspective
- [State Taxes Add to Cost of Life Insurance, Annuities](https://kahlerfinancial.com/financial-awakenings/insurance/state-taxes-add-to-cost-of-life-insurance-annuities) - Fee-only financial planner Rick Kahler: Do tax planning before buying annuities; state taxes on premiums may add to cost, reduce returns
- [Rick Cited in USA Today Article on 529 Plans](https://kahlerfinancial.com/financial-awakenings/in-the-news/rick-cited-in-usa-today-article-on-529-plans) - To open a 529 college savings plan for a child or grandchild, you don't have to stick with your own state's plan. You can choose one from another state if it has lower fees or is a better fit for your family. The important word in that last sentence is "if." In a November 3
- [A Fast Way to Find Out if a Financial Advisor is a Fiduciary](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/a-fast-way-to-find-out-if-a-financial-advisor-is-a-fiduciary) - Fee-only financial planner Rick Kahler: Ask financial advisors to sign statement that they have a fiduciary duty to act in your best interest
- [Look Past First-Time Homebuyer Tax Credit](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/buying-a-house-look-at-more-than-first-time-homebuyer-tax-credit) - Financial Planner Rick Kahler's top ten list of home-buying considerations, beyond the first-time home buyer tax credit
- [IRA Changes In President's New Budget](https://kahlerfinancial.com/financial-awakenings/tax-planning/federal-budget-proposes-changes-to-ira-rules) - Fee-only financial planner Rick Kahler: IRA contribution cap, end to tax-deferred IRA inheritance, other retirement plan changes in President's proposed budget
- [Longevity Risk](https://kahlerfinancial.com/financial-awakenings/weekly-column/longevity-risk) - https://www.youtube.com/watch?v=Q1QzqZCL6X4 The good news? You exercise regularly, eat wisely, keep your weight down, wear your seatbelt, and don’t go bungee jumping or ride a motorcycle without a helmet. Your doctor says you’ll probably live to be 100. The bad news? Your financial adviser says you’ll probably run out of money by the time you’re 90.
- [Seven Questions to ask a Financial Planner](https://kahlerfinancial.com/financial-awakenings/weekly-column/seven-questions-to-ask-a-financial-planner) - Kahler Financial Group share seven questions to ask a financial planner. Visit our website for more information.
- [Tips from Travel Teleclass Could Take You Far](https://kahlerfinancial.com/financial-awakenings/teleclasses-workshops/tips-from-travel-teleclass-could-take-you-far) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”] Gary and Joanne Goodrich, of Lead, SD, are past masters at traveling on the cheap. They have found creative ways to visit a variety of exciting places on a
- [Does Uncle Sam Want Your IRA?](https://kahlerfinancial.com/financial-awakenings/weekly-column/does-uncle-sam-want-your-ira) - Fee-only financial planner Rick Kahler: Fully fund IRA's and 401(k)'s; don't let fear of government confiscation stop your retirement planning
- [Kahler, Top 26 Transformational Advisors](https://kahlerfinancial.com/financial-awakenings/in-the-news/which-financial-advisors-are-transforming-their-profession) - Rick Kahler, owner of Kahler Financial Group, listed by Investment News as one of the most transformational in the profession.
- [Investment News Cites Rick Kahler](https://kahlerfinancial.com/financial-awakenings/in-the-news/want-a-bond-fund-who-should-you-call) - A May 27 Investment News article by Jason Kephart raises some interesting points about the importance of brand names when it comes to investment funds. The article focuses on an increased emphasis on bond funds by Fidelity Investments, which is a mutual fund company that has been known primarily for investments in growth stocks. With
- [Rick Cited in Investment News Article](https://kahlerfinancial.com/financial-awakenings/in-the-news/rick-cited-in-investment-news-article) - Kahler Financial share information on Rick be cited in a investment news article. Visit our website for more information.
- [Taming Irrational Decisions By Buying Bad Products?](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/taming-irrational-decisions-by-buying-bad-products) - Kahler Financial review the concept of taming irrational decisions by buying bad products. Visit our website for more information.
- [Childhood Ghosts Impact Your Financial Choices](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/childhood-ghosts-impact-your-financial-choices) - Michael Haubrich, CFP, discusses the impact of money scripts in a guest column published in the Racine County, Wisconsin, newspaper The Journal Times.
- [Inflation and Consumer Price Index Not the Same](https://kahlerfinancial.com/financial-awakenings/weekly-column/inflation-and-consumer-price-index-not-the-same) - Fee-only financial planner Rick Kahler cites Kitces Report to show inflation is higher than Consumer Price Index cost of living increase
- [Therapists, Key To Client's Money Issues](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/advisors-collaborating-with-therapists-for-clients-money-issues) - Kahler Financial shares information on advisors collaborating with therapists for clients money issues. Visit our website to learn more.
- [Healthcare Tax Credit Unusable By Most Business](https://kahlerfinancial.com/financial-awakenings/tax-planning/healthcare-tax-credit-unusable-by-most-business) - Only a small number of employers will benefit from the ballyhooed 35% tax credit for employers who pay for at least 50% of their employees' health insurance. The credit is available for employers with under 10 employees and average wages of under $25,000. That will affect only small businessess who pay minimum wage, most of whom
- [A Father's Day Gift Idea](https://kahlerfinancial.com/financial-awakenings/in-the-news/a-fathers-day-gift-idea) - This father’s day, how about giving dad an hour of financial planning? You can read what Rick had to say here.
- [Advisers' biggest mistakes: Too much delegating](https://kahlerfinancial.com/financial-awakenings/in-the-news/advisers-biggest-mistakes-too-much-delegating-2) - Rick did an interview with Lisa Shidler, InvestmentNews, about his biggest professional mistakes. You can read the full article here.
- [Senate Bill 120 - Shopping for Loans](https://kahlerfinancial.com/financial-awakenings/weekly-column/senate-bill-120-shopping-for-loans) - Kahler Financial Group discuss the Senate Bill 123 and shopping for loans. Visit our website for more information.
- [Financially Stuck? Start Moving With The Power of the "Micro Yes"](https://kahlerfinancial.com/financial-awakenings/money-psychology/financially-stuck-start-moving-with-the-power-of-the-micro-yes) - Fee-only financial planner and therapist Rick Kahler: Britt Frank's method to get out of financial stuckness is to start moving one tiny step at a time
- [How To Get Full Protection From Your Homeowners Insurance](https://kahlerfinancial.com/financial-awakenings/asset-protection/how-to-get-full-protection-from-your-homeowners-insurance) - Fee-only financial planner and therapist Rick Kahler: Compare premiums, inventory contents to get the most protection from homeowners insurance
- [What Money Issues and Food Issues Have In Common](https://kahlerfinancial.com/financial-awakenings/money-psychology/what-money-issues-and-food-issues-have-in-common) - Fee-only financial planner and therapist Rick Kahler: Emotional pain is the common factor behind both eating disorders and problem money behaviors
- [The Joy Of Missing Out On Short-term Investing Anxiety](https://kahlerfinancial.com/financial-awakenings/money-psychology/the-joy-of-missing-out-on-short-term-investing-anxiety) - Fee-only financial planner and therapist Rick Kahler: Focus on long term investing by embracing the joy of missing out on anxiety and stress of short-term trading
- [“Social Security Is Going Broke!” Just Like The Zombie Apocalypse Is Coming](https://kahlerfinancial.com/financial-awakenings/weekly-column/social-security-is-going-broke-just-like-the-zombie-apocalypse-is-coming) - Fee-only financial planner and therapist Rick Kahler: Social Security needs adjustments but is not going broke; benefits will be there for future retirees
- ["Did I Pay This Bill? I Can't Remember."](https://kahlerfinancial.com/financial-awakenings/weekly-column/did-i-pay-this-bill-i-cant-remember) - Fee-only financial planner Rick Kahler: Family support and other resources to help elderly protect against financial consequences of age-related memory loss
- [When Investing Experts Make A Wrong Call](https://kahlerfinancial.com/financial-awakenings/news-room-media/when-investing-experts-make-a-wrong-call) - Kahler Financial share what happens when investing experts make a wrong call. Visit our website for more information.
- [Forget The Hype:  Avoid Bitcoin, Even If It Is Easier To Buy Now](https://kahlerfinancial.com/financial-awakenings/news-room-media/forget-the-hype-avoid-bitcoin-even-if-it-is-easier-to-buy-now) - How should an investor look at this asset class, now that it is gaining momentum? We asked the ever-sage Rick Kahler, president of Kahler Financial Group
- [Why Don't People Relocate for Lower Cost of Living?](https://kahlerfinancial.com/financial-awakenings/money-psychology/why-dont-people-relocate-for-lower-cost-of-living) - Fee-only financial planner and therapist Rick Kahler: People often choose to live in higher cost of living area even though it makes saving harder.
- [The Financial Freedom of Owning Less](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/the-financial-freedom-of-owning-less) - #post_contentFee-only financial planner Rick Kahler: "Homeless" billionaire Elon Musk and the value of owning less stuff
- [How To Talk Retirement With Your Spouse (Forbes)](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/how-to-talk-retirement-with-your-spouse-forbes) - If you’ve never talked about retirement with your spouse, you’re not alone. But it’s a crucial conversation if you want your retirement dreams to become reality. Andrea Coombes recently wrote the article "How to Talk Retirement With Your Spouse", featuring Rick Kahler featured on Forbes.com. 
- [Why It Matters That A Private Equity Firm Could Own Your Hospital](https://kahlerfinancial.com/financial-awakenings/weekly-column/why-it-matters-that-a-private-equity-firm-could-own-your-hospital) - Fee-only financial planner and therapist Rick Kahler: Lower quality care shown in medical facilities owned by private equity firms
- [KFG Welcomes Lisa Rothe](https://kahlerfinancial.com/financial-awakenings/personal-notes/kfg-welcomes-lisa-rothe) - Kahler Financial Group is excited to welcome Lisa Rothe to our team as our new Operations Manager. Visit our website to learn more about Lisa Rothe.
- [Why Giving Through Donor Advised Funds Is Not Just For The Wealthy](https://kahlerfinancial.com/financial-awakenings/estate-planning/why-giving-through-donor-advised-funds-is-not-just-for-the-wealthy) - Fee-only financial planner and therapist Rick Kahler: Giving through a DAF offers flexibility, convenience, tax advantages
- [The Crazy Stuff We Do With Money—Explained](https://kahlerfinancial.com/financial-awakenings/news-room-media/the-crazy-stuff-we-do-with-money-explained) - Kahler Financial shares the crazy stuff people do with money. Visit our website for more information.
- [Should you buy Cryptocurrency?](https://kahlerfinancial.com/financial-awakenings/news-room-media/should-you-buy-cryptocurrency) - Cryptocurrency is the hot new financial phenomenon — but what is all the excitement about? And should you buy some? Here what Rick Kahler says.
- [Rick's Interview on Bloomberg TV India](https://kahlerfinancial.com/financial-awakenings/in-the-news/ricks-interview-on-bloomberg-tv-india) - Rick recently had the opportunity to travel to India to give a presentation to financial planners in Mumbai. While there, he was interviewed by Bloomberg TV India. You can see the interview here.
- [How To Protect Yourself By Choosing The Right Travel Insurance Company](https://kahlerfinancial.com/financial-awakenings/insurance/how-to-protect-yourself-by-choosing-the-right-travel-insurance-company) - Fee-only financial planner and therapist Rick Kahler: Tips to find the trip insurance coverage that meets your travel needs
- [What's Behind Soaring College Costs and What You Can Do](https://kahlerfinancial.com/financial-awakenings/weekly-column/whats-behind-soaring-college-costs-and-what-you-can-do) - Fee-only financial planner and therapist Rick Kahler: Careful college shopping, research, planning can help you manage soaring education costs
- [Real Estate Sale/Leaseback Can Be a Win-Win](https://kahlerfinancial.com/financial-awakenings/weekly-column/real-estate-saleleaseback-can-be-a-win-win) - Fee-only financial planner Rick Kahler: Real estate sale/leaseback; business owner sells real estate and stays on as buyer's tenant
- [Figure In Fees When Building Your Retirement Nest Egg](https://kahlerfinancial.com/financial-awakenings/weekly-column/figure-in-fees-when-building-your-retirement-nest-egg) - Fee-only financial planner Rick Kahler: Learn how investment fees and commissions on mutual fund share classes affect long-term retirement savings
- [Cost of Living and Minimum Wage](https://kahlerfinancial.com/financial-awakenings/weekly-column/cost-of-living-and-minimum-wage) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.16″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/3CUuQlX7VSg” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.26.0″ custom_margin=”|||0px|false|false” custom_padding=”||||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]President Biden’s coronavirus stimulus package has the intention of flooding the economy with money at a
- [We are all following money scripts](https://kahlerfinancial.com/financial-awakenings/news-room-media/we-are-all-following-money-scripts) - Rick Kahler, the author of Conscious Finance: A New Approach, uses the phrase “money script” in behavioural finance. Read what Stacey Tisdale says about this.
- [Using “Money Scripts” for Better Financial Planning](https://kahlerfinancial.com/financial-awakenings/news-room-media/using-money-scripts-for-better-financial-planning) - At Kahler Financial Planning in Rapid City, S.D., new clients fill out long questionnaires that probe their thoughts, feelings and beliefs about money.
- [This mom ‘charges’ her 6-year-old rent.](https://kahlerfinancial.com/financial-awakenings/news-room-media/this-mom-charges-her-6-year-old-rent) - ‘Starting them at that age is great,’ one financial adviser says of a viral TikTok video about a mom who makes her young children ‘pay’ for rent.
- [The Most Valuable Assets to Leave for Your Heirs](https://kahlerfinancial.com/financial-awakenings/news-room-media/the-most-valuable-assets-to-leave-for-your-heirs) - A Roth IRA Is Often the Best Inheritance, but the Decision Depends on Your Finances and Goals
- [Protect Your Personal and Financial Information Online](https://kahlerfinancial.com/financial-awakenings/news-room-media/protect-your-personal-and-financial-information-online) - Kahler Financial shares tips on how to protect your personal and financial information online this holiday season. Visit our website to learn more.
- [Mom teaches her 3 young children money management](https://kahlerfinancial.com/financial-awakenings/news-room-media/mom-teaches-her-3-young-children-money-management) - Though the method has caused some parental debate, this mom says it's a great way to teach kids about money “in a safe environment.”
- [Local homebuyers facing pressure](https://kahlerfinancial.com/financial-awakenings/news-room-media/local-homebuyers-facing-pressure-higher-prices-amid-housing-inventory-shortage) - According to brokers, homebuyers aren't able to buy homes for just the asking price. Rick Kahler says that clients he meets are seeing above asking prices.
- [How to find a financial planner who’s right for you](https://kahlerfinancial.com/financial-awakenings/news-room-media/how-to-find-a-financial-planner-whos-right-for-you) - Kahler Financial Group shares how to find a financial planner who's right for you. Visit our website for more information.
- [How to avoid financial disaster during divorce](https://kahlerfinancial.com/financial-awakenings/news-room-media/how-to-avoid-financial-disaster-during-divorce) - Kahler Financial shares how to avoid financial disaster during divorce. Visit our website for more information.
- [Meet with Your Financial Adviser Often](https://kahlerfinancial.com/financial-awakenings/news-room-media/how-often-should-your-financial-adviser-be-meeting-with-you) - Kahler Financial Group shares how often your financial adviser should be meeting with you. Visit our website to learn more.
- [Five near-bankruptcies to help clients manage risk](https://kahlerfinancial.com/financial-awakenings/news-room-media/five-near-bankruptcies-to-help-clients-manage-risk) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”||3px|||” global_colors_info=”{}”][et_pb_row column_structure=”2_5,3_5″ _builder_version=”4.16″ _module_preset=”default” width=”100%” custom_padding=”||26px|||” global_colors_info=”{}”][et_pb_column type=”2_5″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https://kahlerfinancial.com/wp-content/uploads/2019/09/marketwatch-logo.png” title_text=”marketwatch logo” _builder_version=”4.17.6″ _module_preset=”default” global_colors_info=”{}”][/et_pb_image][/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”] ‘We’re really glad you made all these mistakes.’ This financial planner uses his five near-bankruptcies to help clients manage risk. By Morey Stettner July 19, 2022
- [Travel Insurance: An Expensive Lesson In Getting the Coverage You Need](https://kahlerfinancial.com/financial-awakenings/insurance/travel-insurance-an-expensive-lesson-in-getting-the-coverage-you-need) - Fee-only financial planner and therapist Rick Kahler: Travel insurance can protect you if you take care to get the right coverage
- [Blackstone’s Beleaguered Real-Estate Fund Stems Exodus](https://kahlerfinancial.com/financial-awakenings/news-room-media/blackstones-beleaguered-real-estate-fund-stems-exodus) - “People are afraid of real estate,” said Rick Kahler, founder of Rapid City, S.D.-based Kahler Financial Group. “There’s no good news.”
- [Help Yourself to Help the Poor and the Planet](https://kahlerfinancial.com/financial-awakenings/weekly-column/help-yourself-to-help-the-poor-and-the-planet) - Fee-only financial planner Rick Kahler: Save the planet, help the poor by building wealth to take care of yourself in old age. Free Medicaid, government resources for needy.
- [Money Relationship Not A One-Night Stand](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/workshop-your-relationship-with-money-is-not-a-one-night-stand) - Your relationship with money is not a one-night stand. Understanding money and maximizing your relationship with it requires a long-term commitment.
- [Need To Know About Financial Planning](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/workshop-all-you-really-need-to-know-about-financial-planning) - Money skills are the 21st century’s survival skills! If you don’t understand how to make sound money decisions, you won’t be going far with financial planning.
- [Making Sound Financial Decisions](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/workshop-financial-sobriety-making-sound-financial-decisions) - In this unusual presentation, you will learn the symptoms that keep people trapped in financial lethargy and how to gain control of your life.
- [Good Health for Happy Retirement Article Quotes Sarah](https://kahlerfinancial.com/financial-awakenings/in-the-news/good-health-for-happy-retirement-article-quotes-sarah) - If you want a comfortable retirement, start now—to prepare financially, of course, but also to take care of your health. This is the premise of an article published in New Retirement on December 9. The article, "Retirement Planning: Focus on Health Not Wealth for a Happy Retirement," has some excellent information about health and health
- [Article: Dementia and Financial Planning](https://kahlerfinancial.com/financial-awakenings/estate-planning/sarah-cited-in-article-on-dementia-and-financial-planning) - An October 20 article at New Retirement, titled “How to Deal with Dementia or Alzheimer’s: 5 Retirement Financial Planning Steps". Read the article here.
- [Sarah Cited in College Funding Article](https://kahlerfinancial.com/financial-awakenings/in-the-news/sarah-cited-in-college-funding-article) - If you feel an emotional obligation to help pay for your grandkids' college costs, don't do it at the expense of your own retirement. That's the primary message in a September 29 article at NewRetirement.com. Sarah Swantner from KFG is quoted in the piece, titled "The Best Investments for Children and Grandchildren: Consider a 529
- [Bob Veres: Fee-Only Financial Planning](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/bob-veres-article-on-meaning-of-fee-only-financial-planning) - Financial journalist Bob Veres takes an insightful look at what fee-only financial planning really means in a September 8 article published at Valuewalk.com
- [The Thrifty Way to Wealth](https://kahlerfinancial.com/financial-awakenings/weekly-column/the-thrifty-way-to-wealth) - https://www.youtube.com/watch?v=_m_3OZkDgUA&t=6s The title of one of our recent teleclasses was “Spending Your Way to Wealth.” Our guest was Kathleen Fox (www.foxcraftinc.com), co-author with me of Conscious Finance. Maybe we should have changed the title to “Not Spending: Your Way to Wealth.” Kathleen introduced herself as “congenitally thrifty” and then proceeded to prove it with her
- [Health Care Bill To Tax Investment Income](https://kahlerfinancial.com/financial-awakenings/tax-planning/health-care-bill-to-tax-investment-income) - By this time next week I fully expect we will have a new health care bill. With the full court press from the President and the Congressional leadership being put on wavering representatives to pass this legislation by using any means available, I fully expect they will get the last four votes they need. It will take weeks,
- [Can 2 Hours Change Your Financial Life?](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/could-a-two-hour-money-makeover-change-your-life) - SELF Magazine asked fee-only financial planner Rick Kahler to design a financial therapy makeover for three women. You can read about the results here.
- [Need a Money Makeover? Start With Your Money Scripts](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/need-a-money-makeover-start-with-your-money-scripts) - SELF magazine article on financial coaching with financial planner Rick Kahler and therapist Dave Jetson reveals the importance of identifying money scripts.
- [Another thing to Blame on Parents](https://kahlerfinancial.com/financial-awakenings/news-room-media/another-thing-to-blame) - Rick Kahler, the workshop’s financial planner, said that once people get beyond their baggage, they make more appropriate investment decisions. “It’s about moving on to clarity,” he said.
- [A ‘Therapeutic’ Approach to Financial Planning](https://kahlerfinancial.com/financial-awakenings/news-room-media/a-therapeutic-approach-to-financial-planning) - Advisers turn therapist to help clients understand their ‘money scripts’ | Rick Kahler is interviewed on The Wall Street Journal
- [A Nervy Approach to Retirement Saving](https://kahlerfinancial.com/financial-awakenings/news-room-media/a-nervy-approach-to-retirement-saving) - Forget your 401(k) plan. The big money today is building nest eggs on everything from show horses to rock bands.
- [3 Scams That Can Part You From Your Money](https://kahlerfinancial.com/financial-awakenings/news-room-media/3-scams-that-can-part-you-from-your-money) - Financial trickery is an ongoing problem. Rick Kahler, president of Kahler Financial Group, has an eagle eye for such scams.
- [Why It Is So Hard to Talk About Money](https://kahlerfinancial.com/financial-awakenings/money-psychology/why-it-is-so-hard-to-talk-about-money) - Fee-only financial planner Rick Kahler: Talking about money; why we don't ask or don't tell about income or net worth
- [What Financial Wellbeing Really Is](https://kahlerfinancial.com/financial-awakenings/money-psychology/what-financial-wellbeing-really-is) - Fee-only financial planner and therapist Rick Kahler: Financial wellbeing and emotional wellbeing go together
- ["The Economy is Bad--But Not For Me"](https://kahlerfinancial.com/financial-awakenings/money-psychology/the-economy-is-bad-but-not-for-me) - Fee-only financial planner and therapist Rick Kahler: Most Americans surveyed say US economy is poor but their own finances are okay. Why the disconnect?
- [Look Beyond "Either/Or" For More Financial Options](https://kahlerfinancial.com/financial-awakenings/money-psychology/look-beyond-either-or-for-more-financial-options) - Fee-only financial planner and therapist Rick Kahler: Either/or thinking can limit your financial options and lead to costly money mistakes
- [Shame On Rick For Disparaging The BYOB Scheme](https://kahlerfinancial.com/financial-awakenings/insurance/shame-on-rick-for-disparaging-the-boyb-scam) - Kahler Financial Group share a recent readers scolding of Rick for his disparaging remarks on the BYOB scheme. Visit our website to read more.
- [Do You Need Long-Term Care Insurance?](https://kahlerfinancial.com/financial-awakenings/insurance/do-you-need-long-term-care-insurance) - Fee-only financial planner Rick Kahler: To decide if you need long-term care insurance and what kind, start early and investigate options
- [Workaholism Is About Emotional Pain, Not Money](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/workaholism-is-about-emotional-pain-not-money) - #post_contentFee-only financial planner and therapist Rick Kahler: workaholism is an addictive behavior to cope with emotional pain
- [Learning From Business Failures and Mistakes](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/learning-from-business-failures-and-mistakes) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px||0px||false|false” custom_padding=”0px||20px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” width=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/cLoGo1FGbZ4″ _builder_version=”4.17.6″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ width=”100%” custom_margin=”20px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.26.0″ custom_margin=”|||0px|false|false” custom_padding=”20px||20px||false|false” custom_padding_tablet=”” custom_padding_phone=”|20px||20px|false|false” custom_padding_last_edited=”on|phone” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″] How would you feel to learn your financial planner came close to bankruptcy five times Fee-only financial planner and therapist Rick Kahler: learning valuable, painful lessons from business mistakes and failures
- [Free Money: Mental Accounting and Couples](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/free-money-mental-accounting-and-couples) - Mental accounting is a concept in behavioral finance that explains how people tend to put money in separate mental buckets related to certain areas of life
- [Why Money Advice From Psychotherapist](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/why-the-best-person-to-turn-to-for-money-advice-may-be-a-psychotherapist) - Check out an article published by Leslie Albrecht from Marketwatch.com entitled “Why the best person to turn to for money advice may be a psychotherapist”.
- [Why Paying Executor Is Fair To Estate And Heirs](https://kahlerfinancial.com/financial-awakenings/estate-planning/why-paying-executor-is-fair-to-estate-and-heirs) - #post_contentFee-only financial planner Rick Kahler: Estate executor deserves payment; reduce conflict among heirs with transparency, information, integrity
- [Talking About Death, Money, and Emotions](https://kahlerfinancial.com/financial-awakenings/estate-planning/talking-about-death-money-and-emotions) - Fee-only financial planner Rick Kahler: Talking about death essential to cope with financial, emotional aspects of serious illness or end-of-life planning
- [SECURE Act Passes; Review IRA Estate Plan](https://kahlerfinancial.com/financial-awakenings/estate-planning/secure-act-passes-review-ira-estate-planning) - Fee-only financial planner Rick Kahler: Passage of SECURE Act means tax liability for children who inherit IRAs, requires new IRA estate planning
- [Conscious Bequests: Inheritances That Help, Not Harm](https://kahlerfinancial.com/financial-awakenings/estate-planning/conscious-bequests-inheritances-that-help-not-harm) - #post_contentFee-only financial planner Rick Kahler: Conscious estate planning to leave inheritances as blessings, not burdens
- [Inflation Paradox: Perception vs. Reality](https://kahlerfinancial.com/financial-awakenings/money-psychology/the-inflation-paradox-when-perception-clashes-with-reality) - Discover the inflation paradox: where perception and reality clash. Explore its implications and insights into economic trends
- [After Election Day - Market Reactions Predicted](https://kahlerfinancial.com/financial-awakenings/investment-updates-210/the-day-after-the-election-what-will-the-markets-do) - Explore potential market reactions the day after the election. Gain insights into predicted trends and financial implications. Indulge me in a little prognostication. I am not a timer and I don't change investment directions accroding to "what I think" markets may or may not do. Still, I enjoy a little theorizing from time to time, so here goes. If my hunch is correct, those of you expecting the markets to tank if
- [Investing in Your Coupleship: Best Investment?](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/investing-in-your-coupleship-your-best-investment) - Explore the value of investing in your coupleship. Discover why nurturing your relationship can be your most rewarding investment yet.
- [What We Think We'd Do With $1 Million, and What We'd Probably Do](https://kahlerfinancial.com/financial-awakenings/asset-protection/what-we-think-wed-do-with-1-million-and-what-wed-probably-do) - Fee-only financial planner and therapist Rick Kahler: Intentions to spend a million windfalls wisely don't match lottery winner's actual behavior. Here's why.
- [S-Corp SECA Tax Hike Surprises Small Businesses](https://kahlerfinancial.com/financial-awakenings/weekly-column/s-corp-seca-tax-hike-catches-most-small-businesses-off-guard) - If you are a owner of a small business engaged in delivering professional services who has an adjusted gross income of under $200,000 and thought you were going to skate by the massive income tax hikes coming in 2011 and 2013, think again, also about the benefits of PAN card. Many business owners with salaries under $107,000 are about to
- [Drop the Piggy Bank, Step Away Slowly](https://kahlerfinancial.com/financial-awakenings/weekly-column/put-down-the-piggy-bank-and-back-away-slowly) - Discover why it's time to drop the piggy bank and step away slowly. Explore alternative savings strategies and financial insights.
- [Is the U.S. Still "Best in Everything?"](https://kahlerfinancial.com/financial-awakenings/weekly-column/is-the-united-states-still-best-in-everything) - Explore whether the U.S. remains 'best in everything' amidst global comparisons and current challenges. Gain insights on its standing today.
- [Is Bitcoin an Investment? New ETFs Still Risky](https://kahlerfinancial.com/financial-awakenings/weekly-column/is-bitcoin-an-investment-new-efts-do-not-make-it-less-risky) - Fee-only financial planner and therapist Rick Kahler: Cryptocurrency is still a highly volatile speculation, not an investment, despite new Bitcoin EFTs
- [Absolute Return Funds: No Guarantees](https://kahlerfinancial.com/financial-awakenings/the-economy/absolute-return-funds-means-a-guaranteed-return-right) - Explore absolute return funds, known for potential but not guaranteed returns. Learn more about their investment strategies and risks.
- [Protect Yourself and Your IRA From Scams](https://kahlerfinancial.com/financial-awakenings/asset-protection/protect-yourself-and-your-ira-from-scams) - Fee-only financial planner and therapist Rick Kahler: Know your emotions and biases to help guard retirement funds from scammers
- [Paying Kids to Care: Caregiver Agreements](https://kahlerfinancial.com/financial-awakenings/tax-planning/caregiver-agreements) - Learn about caregiver agreements: paying children to care for elderly parents. Explore financial strategies and family dynamics in elder care.
- [At 80, Riding the 109 Mile Mickelson Trail](https://kahlerfinancial.com/financial-awakenings/personal-notes/riding-the-109-mile-mickelson-trail-at-81-years-old) - This wek my father, age 80, completed a 33-mile ride on the historic Mickelson Trail from Pringle, SD, to Edgemont, SD. In doing so, he is now 10 miles away from riding the entire 109 miles of the trail. In past years he's ridden many parts of the trail several times, but his goal this year
- [Worried About the Stock Market? Read This](https://kahlerfinancial.com/financial-awakenings/investment-updates-210/if-you-are-worried-about-the-stock-market-read-this) - Explore expert insights and tips for navigating stock market worries and uncertainties effectively. Stay informed and make confident investment decisions.
- [Everyone Benefits from Financial Planning](https://kahlerfinancial.com/financial-awakenings/in-the-news/you-dont-have-to-be-rich-to-have-a-financial-planner-2) - YoungMoney.com features advice from Rick today that you don't have to be rich to have a financial planner. You can read the article by clicking here.
- [Unveiling the Biggest Financial Mistake](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/find-out-if-youre-on-track-for-financial-independence) - One of the biggest mistakes Americans make around their finances is never having taken the time to find out if they are on track for financial independence.
- [Inflation Redefined? The Gap Between Public Perception and Economic Reality](https://kahlerfinancial.com/financial-awakenings/weekly-column/inflation-redefined-the-gap-between-public-perception-and-economic-reality) - Fee-only financial planner and therapist Rick Kahler: Defining inflation as high prices disagrees with economic reality of CPI
- [Betting on Political Races: My Penny-Ante Hobby May Soon Be Banned](https://kahlerfinancial.com/financial-awakenings/money-psychology/betting-on-political-races-my-penny-ante-hobby-may-soon-be-banned) - Fee-only financial planner and therapist Rick Kahler: Betting pennies on political races is my only form of high-risk speculation
- [Underestimating Your Life Expectancy: Don’t Let Your Brain Shrink Your Retirement Benefits](https://kahlerfinancial.com/financial-awakenings/money-psychology/underestimating-your-life-expectancy-dont-let-your-brain-shrink-your-retirement-benefits) - Fee-only financial planner and therapist Rick Kahler: Biases behind choice to take Social Security at 62 can reduce lifetime income
- [Will Taking Social Security Early Leave Retirement Income On The Table?](https://kahlerfinancial.com/financial-awakenings/weekly-column/will-taking-social-security-early-leave-retirement-income-on-the-table) - Fee-only financial planner and therapist Rick Kahler: Should you take Social Security early? Maybe not. Here's why.
- [Fee-Offset: When Paying Your Advisor a Commission Can Be in Your Best Interest](https://kahlerfinancial.com/financial-awakenings/tax-planning/fee-offset-when-paying-your-advisor-a-commission-can-be-in-your-best-interest) - Fee-only financial planner and therapist Rick Kahler: Fiduciary advisors using fee-offset compensation barred from professional organizations
- [Building Wealth With Real Estate: A Look Back](https://kahlerfinancial.com/financial-awakenings/weekly-column/building-wealth-with-real-estate-a-look-back) - Fee-only financial planner and therapist Rick Kahler: A look back at decades of building wealth with rental real estate.
- [Rate Your Financial Wellbeing: Part One](https://kahlerfinancial.com/financial-awakenings/money-psychology/rate-your-financial-wellbeing-part-one) - Fee-only financial planner and therapist Rick Kahler: Defining financial wellbeing and rating yours can help you build more helpful financial habits
- [How Do You Protect Your Finances From Yourself As You Age?](https://kahlerfinancial.com/financial-awakenings/asset-protection/how-do-you-protect-your-finances-from-yourself-as-you-age) - Fee-only financial planner and therapist Rick Kahler: Prepare for possible cognitive decline to guard against your own poor choices
- [Watch for these possible charitable giving scams](https://kahlerfinancial.com/financial-awakenings/news-room-media/watch-for-these-possible-charitable-giving-scams) - Scammers often employ effective psychological techniques to defraud people, including taking advantage of people's desire to give, CFP Rick Kahler writes.
- [Save Money With An Annual Subscription Audit](https://kahlerfinancial.com/financial-awakenings/money-psychology/save-money-with-an-annual-subscription-audit) - Fee-only financial planner Rick Kahler: Annual subscription audit helps you stop wasting money on unused services
- [Golden line: See what cell providers offer senior discounts](https://kahlerfinancial.com/financial-awakenings/news-room-media/golden-line-see-what-cell-providers-offer-senior-discounts) - As inflation ticks up, there are one group of people who may have a coupon printed right on their drivers license: seniors.
- [Is Financial Trauma Holding You Back From Living Your Best Life?](https://kahlerfinancial.com/financial-awakenings/news-room-media/is-financial-trauma-holding-you-back-from-living-your-best-life) - Financial trauma can be debilitating, but taking an assessment of your psychological "money scripts" and working with a financial therapist may help.
- [5 ways to deal with money envy](https://kahlerfinancial.com/financial-awakenings/news-room-media/5-ways-to-deal-with-money-envy) - If you’re wondering how to turn the so-called green-eyed monster into a positive force in your life, here are five steps to take.
- [The CD Market Is Doing Something Strange](https://kahlerfinancial.com/financial-awakenings/news-room-media/the-cd-market-is-doing-something-strange) - Short-term CDs are offering better interest rates than longer-term ones - Rick Kahler is featured on The Wall Street Journal (WSJ).
- [Use a password manager for your internet accounts](https://kahlerfinancial.com/financial-awakenings/news-room-media/use-a-password-manager-for-your-internet-accounts) - Keep your passwords safe with a online password manager but which passwords should you save online. Rick Kahler shares his tips using a password manger.
- [Want to survive the latest financial panic?](https://kahlerfinancial.com/financial-awakenings/news-room-media/want-to-survive-the-latest-financial-panic) - Inflation numbers continue to cause pain in the pocketbook, and the Federal Reserve further signals about corrective action to slow inflation. That kind of adjustment has thrown markets into a tantrum before.
- [U.S. Health Care Costs: Not As Bad As You Think?](https://kahlerfinancial.com/financial-awakenings/insurance/u-s-health-care-costs-not-as-bad-as-you-think) - Fee-only financial planner and therapist Rick Kahler: Higher costs, lower tax burden when US health care costs are compared to other nations
- [Listen to "The Housing Bubble That Wasn't?"](https://kahlerfinancial.com/financial-awakenings/weekly-column/listen-to-the-housing-bubble-that-wasnt) - Kahler Financial in Rapid City is a Financial Advisor located in South Dakota and helps local and nationwide clientele with wealth management-The Housing Bubble
- [Listen to "South Dakota:  A Wealth Friendly State"](https://kahlerfinancial.com/financial-awakenings/weekly-column/listen-to-south-dakota-a-wealth-friendly-state) - Kahler Financial in Rapid City is a Financial Advisor located in South Dakota and helps local and nationwide clientele with wealth management...
- [Yes, It's Okay To Take the Senior Discount](https://kahlerfinancial.com/financial-awakenings/money-psychology/yes-its-okay-to-take-the-senior-discount) - Fee-only financial planner and therapist Rick Kahler: the complicated emotions and money scripts around accepting senior discounts
- [What's a CeFT? A Look At Financial Professionals' Designations](https://kahlerfinancial.com/financial-awakenings/weekly-column/whats-a-ceft-a-look-at-financial-professionals-designations) - Fee-only financial planner and therapist Rick Kahler: Learn basic financial professionals' designations to help you find financial advice that's right for you.
- [How the NAR Settlement Will Change the Way You Buy a Home](https://kahlerfinancial.com/financial-awakenings/weekly-column/how-the-nar-settlement-will-change-the-way-you-buy-a-home) - Fee-only financial planner and therapist Rick Kahler: NAR settlement's unintended consequences may make home buying harder
- [Will The High Costs Of Long-Term Care Leave You Broke?](https://kahlerfinancial.com/financial-awakenings/weekly-column/will-the-high-costs-of-long-term-care-leave-you-broke) - Fee-only financial planner and therapist Rick Kahler: Costs of long-term old age care can deplete wealth, threaten seniors' financial wellbeing. Leave you broke
- [Life Insurance Replaces, Not Earns Income](https://kahlerfinancial.com/financial-awakenings/estate-planning/life-insurance-to-replace-income-not-earn-income) - Fee-only financial planner Rick Kahler's advice to choose term life insurance, not whole life, for the most income replacement at the lowest cost
- [Why Prenuptial Agreements Can Be Valuable for Many Couples](https://kahlerfinancial.com/financial-awakenings/asset-protection/why-prenuptial-agreements-can-be-valuable-for-many-couples) - Fee-only financial planner and therapist Rick Kahler: A prenuptial agreement can clarify and foster open conversations around money to inheritances.
- [Build Emotional and Financial Intimacy With Prenup Money Conversations](https://kahlerfinancial.com/financial-awakenings/asset-protection/build-emotional-and-financial-intimacy-with-prenup-money-conversations) - Fee-only financial planner and therapist Rick Kahler: Talking about a prenup is one way to start essential prenuptial conversations about money
- [Keep Your Politics Out of Your Portfolio](https://kahlerfinancial.com/financial-awakenings/money-psychology/keep-your-politics-out-of-your-portfolio) - Fee-only financial planner Rick Kahler: Investment decisions driven by partisan political beliefs can harm your financial wellbeing. Politics and Money
- [Will High Real Estate Prices Leave You House Poor? It Depends On Where You Live.](https://kahlerfinancial.com/financial-awakenings/weekly-column/will-high-real-estate-prices-leave-you-house-poor-it-depends-on-where-you-live) - Fee-only financial planner and therapist Rick Kahler: Can you avoid being house poor due to real estate prices? The answer may depend on where you live.
- [Letting Financial Planning Clients Take the Lead](https://kahlerfinancial.com/financial-awakenings/news-room-media/letting-financial-planning-clients-take-the-lead) - No two financial plans will be the same. Finding the solutions to their financial challenges requires an advisor adept at personalizing the client experience.
- [Why Does Health Insurance Cost So Much?](https://kahlerfinancial.com/financial-awakenings/insurance/why-does-health-insurance-cost-so-much) - Fee-only financial planner and therapist Rick Kahler: Are excessive profits and lack of competition the reasons health insurance is expensive?
- [Will it be possible to buy a house in 2024?](https://kahlerfinancial.com/financial-awakenings/news-room-media/will-it-be-possible-to-buy-a-house-in-2024) - As families get together, it becomes obvious the space they have to celebrate just isn’t enough anymore. Finding a home you can afford is difficult these days.
- [Rate Your Financial Wellbeing: Part Two](https://kahlerfinancial.com/financial-awakenings/money-psychology/rate-your-financial-wellbeing-part-two) - Fee-only financial planner and therapist Rick Kahler: Rate your financial wellbeing in eight areas: calm, clarity, compassion, courage, and more
- [Why Would You Pick Up A Penny?](https://kahlerfinancial.com/financial-awakenings/uncategorized/why-would-you-pick-up-a-penny) - Fee-only financial planner and therapist Rick Kahler: Do you pick up a penny you see on the ground? Your money scripts may be why you do or don't.
- [Feeling anxious about doing your taxes?](https://kahlerfinancial.com/financial-awakenings/news-room-media/feeling-anxious-about-doing-your-taxes) - Rick Kahler, a certified financial planner and certified financial therapist who co-founded the Financial Therapy Association, tells Yahoo Life for taxes
- [Winning Financial Strategy Combines Strong Offense and Defense](https://kahlerfinancial.com/financial-awakenings/asset-protection/winning-financial-strategy-combines-strong-offense-and-defense) - Fee-only financial planner + therapist Rick Kahler: Financial strategy is strong offense in what you earn and strong defense in what you save and spend
- [The Financial and Emotional Power of Being Wrong](https://kahlerfinancial.com/financial-awakenings/money-psychology/the-financial-and-emotional-power-of-being-wrong) - Fee-only financial planner and therapist Rick Kahler: A key to financial wellbeing is embracing "I might be wrong" in beliefs about money
- [Social Security Options](https://kahlerfinancial.com/financial-awakenings/weekly-column/social-security-options) - https://www.youtube.com/watch?v=Y8OV-kkcGXA I often say that fifty percent of my job is educating clients. However, from time to time that works in reverse, and they educate me. Recently a client told me about an obscure provision in the Social Security laws that allows you to increase your benefits, even after you’ve started to receive your monthly
- [The Relative Value of Cats and Dogs](https://kahlerfinancial.com/financial-awakenings/weekly-column/the-relative-value-of-cats-and-dogs) - Fee-only financial planner Rick Kahler: Supply and demand, utility, marketing drive prices for purebred dogs and cats
- [Developing the Future of Financial Planning](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/developing-the-future-of-financial-planning) - In the field of financial planning, Rick has been instrumental in developing an understanding of the role of psychology in making money decisions.
- [Divorce and Finances](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/divorce-and-finances) - So, how can one avoid financial disaster during a divorce? Click here to read more in an article featuring Rick Kahler by Martha M Hamilton.
- [Will Your Money Last as Long as You Will?](https://kahlerfinancial.com/financial-awakenings/weekly-column/915) - https://www.youtube.com/watch?v=o-8DV8G8AKc I recently wrote a column about “longevity insurance.” This topic raised the question of how financial planners estimate our clients’ life spans. Obviously, if we planners are going to tell you whether you’ll have enough money in retirement to last the rest of your life, we need to estimate when your time on earth
- [Eight Aspects of Financial Trauma](https://kahlerfinancial.com/financial-awakenings/money-psychology/eight-aspects-of-financial-trauma) - #post_contentFee-only financial planner Rick Kahler: Financial trauma can occur around giving, receiving, spending, saving, loaning, borrowing, earning, and taking money
- [eBook Offers Financial Planning Tips For Healthcare](https://kahlerfinancial.com/financial-awakenings/health/ebook-offers-financial-planning-tips-for-healthcare) - A new eBook just published tells you what you need to know to begin planning for the Health Care Education and Reconciliation Act of 2010.
- [Advisors Use Tech To Connect with Clients](https://kahlerfinancial.com/financial-awakenings/in-the-news/advisors-enter-blogosphere-to-better-communicate-with-clients) - Kahler Financial share information on how advisors enter blogospere to better communicate with their clients. Visit our website for more information.
- [No Financial Guru Has All the Answers](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/no-financial-guru-has-all-the-answers) - Fee-only financial planner Rick Kahler's advice: Don't blindly follow any financial guru's advice; use common sense and judgment, not money scripts
- [Resistance to Financial Advice Is a Sign to Slow Down](https://kahlerfinancial.com/financial-awakenings/money-psychology/resistance-to-financial-advice-is-a-sign-to-slow-down) - Fee-only financial planner and therapist Rick Kahler: Resistance to financial advice is a sign to slow down and listen, not to push harder to motivate change
- [We're All a Little Weird Around Money](https://kahlerfinancial.com/financial-awakenings/money-psychology/were-all-a-little-weird-around-money) - Fee-only financial planner Rick Kahler: Dealing with money brings out craziness in almost everyone; important to find financial advisors who help, not make problems worse
- [Gray Rhinos and Other Financial Threats](https://kahlerfinancial.com/financial-awakenings/money-psychology/gray-rhinos-and-other-financial-threats) - Fee-only financial planner Rick Kahler: Prepare for gray rhino financial needs and threats you know will come: market crashes, health care, estate planning
- [Giving Kids the Best Financially](https://kahlerfinancial.com/financial-awakenings/estate-planning/giving-kids-the-best-financially) - Fee-only financial planner Rick Kahler: Financial gifts parents think children want aren't necessarily in kids best interest or what they want
- [Financial Wisdom and Change From Ebenezer Scrooge](https://kahlerfinancial.com/financial-awakenings/money-psychology/financial-wisdom-and-change-from-ebenezer-scrooge) - Fee-only financial planner Rick Kahler: Transform destructive money behavior to financial health with process from A Christmas Carol's Scrooge
- [Teach Kids About Money With "Intentional Wealth"](https://kahlerfinancial.com/financial-awakenings/money-psychology/teach-kids-about-money-with-intentional-wealth) - Fee-only financial planner Rick Kahler: Intentional Wealth by Courtney Pullen has helpful advice on teaching kids about money, building family legacy
- [New Book by Klontz-Kahler Out Wednesday](https://kahlerfinancial.com/financial-awakenings/weekly-column/new-book-by-klontz-kahler-out-wednesday) - Facilitating Financial Health (NUC, 2008) is the title of the latest book I've co-authored with Drs. Ted and Brad Klontz. The release date is July 9th, this Wednesday. The book originally shipped around June 1, but a flaw in the printing (the covers curled up like a pill-bug under attack) resulted in a reprint, pushing
- ["Life is What Happens When You're Making Other Plans"](https://kahlerfinancial.com/financial-awakenings/weekly-column/life-is-what-happens-when-youre-making-other-plans) - This post is by my co-author on Conscious Finance and colleague, Kathleen Fox: My three sisters and I grew up in Tripp County, South Dakota, on the same farm where my mother’s family had lived since the 1930’s. My parents still live there, though they retired from farming a few years ago. I’ve lived in
- [Toxic Positivity Can Harm You Financially](https://kahlerfinancial.com/financial-awakenings/money-psychology/toxic-positivity-can-harm-you-financially) - Fee-only financial planner and therapist Rick Kahler: Toxic positivity about financial setbacks hinders emotions that are crucial to good money decisions
- [Your Biggest Holiday Expense Could Be a Hidden Cost](https://kahlerfinancial.com/financial-awakenings/weekly-column/your-biggest-holiday-expense-could-be-a-hidden-cost) - Fee-only financial planner and therapist Rick Kahler: Overspending on gifts could make interest your most expensive holiday purchase
- [Vow of Simplicity Not Really So Simple](https://kahlerfinancial.com/financial-awakenings/money-psychology/vow-of-simplicity-not-really-so-simple) - Fee-only financial planner and therapist Rick Kahler: A conscious vow of poverty is a complicated choice to live in simplicity
- [Average U.S. Salary and Your Financial Comfort Zone](https://kahlerfinancial.com/financial-awakenings/money-psychology/average-u-s-salary-and-your-financial-comfort-zone) - Fee-only financial planner and therapist Rick Kahler: Why our family's financial comfort zone skews what we see as average income
- [How to Explore Your Relationship With Money](https://kahlerfinancial.com/financial-awakenings/money-psychology/how-to-explore-your-relationship-with-money) - Fee-only financial planner Rick Kahler: To start building a healthier relationship with money, use resources like Jonathan Clements money questions
- [Unemployment Statistics Not a Simple Story](https://kahlerfinancial.com/financial-awakenings/weekly-column/unemployment-statistics-not-a-simple-story) - Fee-only financial planner Rick Kahler: Reduce unemployment risk with education, investment in career; statistics don't tell whole story
- [The Millionaire Mindset, Part Two](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/the-millionaire-mindset-part-two) - Fee-only financial planner Rick Kahler: Millionaire Mindset for successful life: take risks, learn from mistakes, network, know money is not a goal but a tool
- [KFG In Top Ten Financial Blogs for 2012](https://kahlerfinancial.com/financial-awakenings/in-the-news/kfg-in-top-ten-financial-blogs-for-2012) - The KFG blog has been chosen as one of the Top Ten financial blogs for 2012 by Echelon Business Solutions. Readers of the company's blog, The Inbound Marketing Insider, were asked to nominate their favorite blogs for consideration. We appreciate the nominations and are pleased to find ourselves in good company that includes former KFG
- [Failing To Make A Will: A Final Act of Unkindness](https://kahlerfinancial.com/financial-awakenings/estate-planning/failing-to-make-a-will-a-last-act-of-unkindness) - Fee-only financial planner and therapist Rick Kahler: Failing to make a will leaves painful consequences for survivors.
- [Cryptocurrency In Your Portfolio, or Not?](https://kahlerfinancial.com/financial-awakenings/weekly-column/cryptocurrency-in-your-portfolio-or-not) - #post_contentFee-only financial planner and financial therapist Rick Kahler: cryptocurrency's high risk, volatility still make it speculation, not investment
- [Teach Kids About Money - Be An Example](https://kahlerfinancial.com/financial-awakenings/in-the-news/teach-kids-about-money-be-an-example) - Good money habits start in childhood, says ParentDish.com in an article written by Meredeth Cardona. She states, "a survey from the bank HSBC found most people who described themselves as "active savers" started young: 57 percent said they had been saving since they were children and 51 percent started after getting their first job. More importantly,
- [Are South Dakota Trusts Immoral "Tax Havens"?](https://kahlerfinancial.com/financial-awakenings/asset-protection/the-complex-issue-of-south-dakota-trusts) - Fee-only financial planner Rick Kahler: "Pandora Papers" coverage accuses South Dakota trusts of being immoral tax havens for ill-gotten wealth
- [How Healthy Life Habits Save Clients Money](https://kahlerfinancial.com/financial-awakenings/news-room-media/how-healthy-life-habits-save-clients-money) - Kahler Financial shares how healthy life habits can save clients money. Visit our website for more information.
- [How Healthy Life Habits Can Save You Money](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/how-healthy-life-habits-can-save-you-money) - #post_contentFee-only financial planner Rick Kahler: Maintaining good physical health can save money, is good for your financial wellbeing
- [COVID And The Costs of Online Learning](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/college-covid-and-the-costs-of-online-learning) - Fee-only financial planner Rick Kahler: College, COVID, and the costs of online learning.
- [Pandemic's Unexpected Impact on Real Estate Prices](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/pandemics-unexpected-impact-on-real-estate-prices) - Fee-only financial planner Rick Kahler: Pandemic's Unexpected Impact on Real Estate Prices
- [Rebuilding Our Economy After COVID-19](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/rebuilding-our-economy-after-covid-19) - Fee-only financial planner Rick Kahler: Rebuilding Our economy after COVID-19
- [Downsides of Working From Home](https://kahlerfinancial.com/financial-awakenings/weekly-column/downsides-of-working-from-home) - Fee-only financial planner Rick Kahler: Distractions, isolation, blurred work/personal life, technology among challenges of working virtually
- [PPP Loans and Public Shaming](https://kahlerfinancial.com/financial-awakenings/weekly-column/ppp-loans-and-public-shaming) - Fee-only financial planner Rick Kahler: Public shaming an added complication for small businesses applying in good faith for PPP loans
- [Realities and Risks of Being a Landlord](https://kahlerfinancial.com/financial-awakenings/money-psychology/realities-and-risks-of-being-a-landlord) - Fee-only financial planner Rick Kahler: Landlords often individuals with few properties who barely break even after paying mortgages, expenses
- [Coping With A Pandemic's Divisiveness](https://kahlerfinancial.com/financial-awakenings/weekly-column/coping-with-a-pandemics-divisiveness) - Fee-only financial planner Rick Kahler: Pandemics divide us, fracture social structures and relationships; compassion, connection are crucial
- [Debunking Myths about COVID-19](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/debunking-myths-about-covid-19) - While the COVID-19 pandemic is serious, it’s good to keep things in perspective and focus on the actual facts.
- [SECURE Act Details and Your Retirement Planning](https://kahlerfinancial.com/financial-awakenings/tax-planning/secure-act-details-and-your-retirement-planning) - Fee-only financial planner Rick Kahler: SECURE Act may not have much impact on your retirement planning
- [Rick Kahler Earned CFT-I™ Certifcation](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/congratulations-rick-certified-financial-therapist-level-i-professional) - Fee-only financial planner Rick Kahler: Congratulations Rick! Certified Financial Therapist-Level 1 Professional
- [Where Will Your Retirement Money Come From?](https://kahlerfinancial.com/financial-awakenings/weekly-column/where-will-your-retirement-money-come-from) - Fee-only financial planner Rick Kahler: Social Security, work, pensions not enough income for comfortable retirement for many Americans
- [Hunting For Thistles and Research Apps](https://kahlerfinancial.com/financial-awakenings/weekly-column/hunting-for-thistles-and-research-apps) - Fee-only financial planner Rick Kahler: Research apps help find best deals, values in airfare, travel, investments, consumer goods
- [Is Faster Financial Therapy In Our Future?](https://kahlerfinancial.com/financial-awakenings/weekly-column/is-faster-financial-therapy-in-our-future) - Fee-only financial planner Rick Kahler: MDMA Assisted Therapy, in clinical trials to treat PTSD, has potential in financial therapy for faster results
- [Capitalism and Its Critics](https://kahlerfinancial.com/financial-awakenings/money-psychology/capitalism-and-its-critics) - Fee-only financial planner Rick Kahler: Critics labeling capitalism as corrupt may not understand it as an economic system
- [The Happiest States in the USA](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/the-happiest-states-in-the-usa) - My friends from across the country generally give me a lot of grief when I extoll the benefits of living in South Dakota. T
- [The Happiest States in the USA](https://kahlerfinancial.com/financial-awakenings/weekly-column/the-happiest-states-in-the-whole-usa) - Fee-only financial planner Rick Kahler: Study of health, lifestyle, and prosperity shows many of happiest US states are in flyover country
- [Top Ten Money Truisms](https://kahlerfinancial.com/financial-awakenings/money-psychology/top-ten-money-truisms) - Fee-only financial planner Rick Kahler: Top Ten Money Truisms from Jonathan Clements; wisdom in a few words
- [Passive Investing, Like Buying Used Cars, Is Wise Strategy](https://kahlerfinancial.com/financial-awakenings/weekly-column/passive-investing-like-buying-used-cars-is-wise-strategy) - Fee-only financial planner Rick Kahler: Passive investors get free ride from active investors, just as used car buyers need new car buyers
- [Be Wary of Predictions in Economy and Elections](https://kahlerfinancial.com/financial-awakenings/weekly-column/be-wary-of-predictions-in-economy-and-elections) - Fee-only financial planner Rick Kahler: Both economic trends and election outcomes are too complex to easily predict
- [The Spiritual Aspect of Financial Planning](https://kahlerfinancial.com/financial-awakenings/money-psychology/the-spiritual-aspect-of-financial-planning) - Fee-only financial planner Rick Kahler: Financial life planning is spiritual, connecting money with life values, meaning, purpose, and well-being
- [Bitcoin: Investment or Speculation](https://kahlerfinancial.com/financial-awakenings/weekly-column/bitcoin-investment-or-speculation) - Fee-only financial planner Rick Kahler: Bitcoin and other virtual currency is speculation, not investment; doesn't belong in retirement portfolio
- [Financial Success and IQ](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/financial-success-and-iq) - Fee-only financial planner Rick Kahler: IQ less a predictor of financial success than good grades, conscientiousness, curiosity, emotional intelligence
- [Rapid City Journal Cuts Back Sunday Business Section](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/rapid-city-journal-cuts-back-sunday-business-section) - Join our mailing list and receive the column in your email inbox every Monday instead of in the Sunday Business Section.
- [Retiring Abroad a Major Life Decision](https://kahlerfinancial.com/financial-awakenings/weekly-column/retiring-abroad-a-major-life-decision) - Fee-only financial planner Rick Kahler: Central American options for low-cost retirement living; do careful research before opting to leave US
- [How To Retire Abroad, And Where To Go](https://kahlerfinancial.com/financial-awakenings/news-room-media/how-to-retire-abroad-and-where-to-go) - Kahler Financial shares tips on how to retire abroad and where to go. Visit our website for more information.
- [Rick's Talk at Insider Information Conference](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/ricks-talk-at-insider-information-conference) - The following is an excerpt from the October 2016 edition of Bob Veres’ Inside Information, a newsletter for those in the financial planning profession.
- [Use Resources to Check for Financial Adviser's Past Misconduct](https://kahlerfinancial.com/financial-awakenings/weekly-column/use-resources-to-check-for-financial-advisers-past-misconduct) - Fee-only financial planner Rick Kahler: Use FINRA BrokerCheck, other resources, to investigate adviser's background for misconduct
- [Private REITs Not a Good Choice for Small Investors](https://kahlerfinancial.com/financial-awakenings/weekly-column/private-reits-not-a-good-choice-for-small-investors) - Fee-only financial planner Rick Kahler: high fees, underperformance, lack of transparency are good reasons to avoid private or nontraded REITs
- [Consider Source of Dire Economic Predictions](https://kahlerfinancial.com/financial-awakenings/weekly-column/consider-source-of-dire-economic-predictions) - Fee-only financial planner Rick Kahler: Ignore dire economic warnings; realize companies may profit from investor panic; odds favor staying in markets
- [How to Protect Your Investment Strategy From Yourself](https://kahlerfinancial.com/financial-awakenings/money-psychology/how-to-protect-your-investment-strategy-from-yourself) - Fee-only financial planner Rick Kahler: Protect investment strategy of buy and hold with rebalancing from yourself with hands-off system
- [Teacher Salaries Adjusted For Cost of Living](https://kahlerfinancial.com/financial-awakenings/weekly-column/teacher-salaries-adjusted-for-cost-of-living) - Fee-only financial planner Rick Kahler: Average teacher salary rankings change when adjusted for tax burden and cost of living in different states
- [Getting Out of Poverty Takes More Than Financial Literacy](https://kahlerfinancial.com/financial-awakenings/money-psychology/getting-out-of-poverty-takes-more-than-financial-literacy) - Fee-only financial planner Rick Kahler: To get out of poverty and build financial health, change money beliefs; advice from Louis Barajas
- [Millionaires and Billionaires [+Infographic]](https://kahlerfinancial.com/financial-awakenings/weekly-column/millionaires-and-billionaires-infographic) - Fee-only financial planner Rick Kahler: million-dollar nest egg is security, billion-dollar portfolio is vast wealth; millionaires and billionaires much different
- [Women's Confidence in Being Prepared for Retirement](https://kahlerfinancial.com/financial-awakenings/retirement-64/womens-confidence-in-being-prepared-for-retirement) - Fee-only financial planner Rick Kahler: Aegon Retirement Readiness Index shows women worldwide not confident of retirement security, preparedness
- [With Low Interest Rates, Consider Mortgage Refinancing](https://kahlerfinancial.com/financial-awakenings/weekly-column/with-low-interest-rates-consider-mortgage-refinancing) - Fee-only financial planner Rick Kahler: Consider factors besides low interest rates to decide whether mortgage refinance is right for you
- [Rick Cited in Bankrate article on TIPS](https://kahlerfinancial.com/financial-awakenings/in-the-news/rick-cited-in-bankrate-article-on-tips) - Use care and do your homework before you invest, because "There is no bond more complex than a TIPS." That's Rick's recommendation if you are considering buying Treasury inflation-protected securities, or TIPS. He is one of the advisors cited in a recent article by Chris Kissell, titled "How to buy individual TIPS in an IRA,"at
- [Follow Scrooge's Path to Financial Well-being](https://kahlerfinancial.com/financial-awakenings/money-psychology/follow-scrooges-path-to-financial-well-being) - Fee-only financial planner Rick Kahler: Scrooge's path to financial health: Examine past, present and future for freedom from destructive money beliefs
- [Can Feeling Grateful Save You Money?](https://kahlerfinancial.com/financial-awakenings/money-psychology/can-feeling-grateful-save-you-money) - Fee-only financial planner Rick Kahler: Practice gratitude for a fuller wallet as well as fuller heart. Feeling grateful can reduce temptation to overspend.
- [Could Your Financial Planner Be Replaced by a Computer?](https://kahlerfinancial.com/financial-awakenings/in-the-news/could-your-financial-planner-be-replaced-by-a-computer) - "Digital Rivals: Weighing the Robo Threat" may sound like a science fiction movie, but it's the title of an October 13 piece by Bruce W. Fraser in Financial Planning. Rick is one of the advisors quoted in the article, which takes a look at whether automated advice from "robo advisors" is likely to make human
- [Managing Your Career As An Asset](https://kahlerfinancial.com/financial-awakenings/weekly-column/managing-your-career-as-an-asset) - Fee-only financial planner Rick Kahler: Get the most financial and life value from your career; ideas from Michael Haubrich book Career Asset Management
- [Judge Financial Gurus With Common Sense](https://kahlerfinancial.com/financial-awakenings/money-psychology/judge-financial-gurus-with-common-sense) - Fee-only financial planner Rick Kahler: Judge advice of financial gurus with common sense, healthy skepticism, and basic money knowledge
- [Ease College Loan Burden--Borrow Like a Pessimist](https://kahlerfinancial.com/financial-awakenings/weekly-column/ease-college-loan-burden-borrow-like-a-pessimist) - Fee-only financial planner Rick Kahler: Financial aid is a legal obligation, not free money. Borrow pessimistically to avoid the burden of student loan debt.
- [Rick Cited in Financial Therapy Article](https://kahlerfinancial.com/financial-awakenings/in-the-news/rick-cited-in-financial-therapy-article) - The idea of financial therapy is slowly beginning to be mentioned in the mainstream media. Rick was recently interviewed by financial journalist Jennifer Calonia for an article that appeared at GoBankingRates.com. Despite its title, "Why You Should Start Seeing a Financial Therapist Instead of a Financial Planner," Rick was pleased to see that the article
- [Rick Cited in ThinkAdvisor Article](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/rick-cited-in-thinkadvisor-article) - An article by Joyce Hanson, titled “4 Things Advisors Should Never Say to Clients,” highlights red flags to watch for with potential financial advisors.
- [Does Your Risk Tolerance Change With the Market?](https://kahlerfinancial.com/financial-awakenings/in-the-news/does-your-risk-tolerance-change-with-the-market) - Kahler Financial review if your risk tolerance changes with the marketing. Visit our website for more information.
- [Managing Your Plastic](https://kahlerfinancial.com/financial-awakenings/conscious-cash-flow/managing-your-plastic) - Kahler Financial shares information on the fee only financial planner on managing your plastic. Visit our website for more information.
- [Laying Down His Cards](https://kahlerfinancial.com/financial-awakenings/in-the-news/laying-down-his-cards) - Ever wondered what some of the nation's most respected financial experts use for credit cards and why? Sara Aase, Creditcard.com, interviewed six financial professionals, including The New York Times's Ron Lieber, MSN Money's Liz Pullam, and Kahler Financial Groups' Rick Kahler. Asse notes, "Great credit card offers may not be making headlines right now, but
- [How Angry Are You?](https://kahlerfinancial.com/financial-awakenings/weekly-column/how-angry-are-you) - Kahler Financial Group discuss bonuses paid to AIG groups and how this may impact you. Visit our website for more information.
- [Survey For Financial Planners](https://kahlerfinancial.com/financial-awakenings/personal-notes/survey-for-financial-planners) - If you are a financial planner, I would love to have your opinion. The survey will ask you about: Whether financial planning is a profession or industry Benefits you have received if you’ve engaged a financial planner Objections to having a financial planner Obstacles in planning for a planner If you would take 10 minutes
- [Join Rick Online For "The Psychology of Money" Course](https://kahlerfinancial.com/financial-awakenings/teleclasses-workshops/join-rick-online-for-the-psychology-of-money-course) - In just a few weeks I will begin instructing a 16-week course on "The Psychology of Money: Understanding Your Clients From the Inside Out." I will be using Facilitating Financial Health as the main text book. I'll take participants on a journey of learning how to identify and change thoughts, beliefs, and behaviors around money,
- [Retirement Expectations and Retirement Reality](https://kahlerfinancial.com/financial-awakenings/weekly-column/retirement-expectations-and-retirement-reality) - When it comes to retirement, often what many people expect doesn’t turn out to be reality. Take the case of what you think you’ll be spending when you retire. A recent survey on retirement spending done by Fidelity Research Institute shows that many retiring Americans don’t have a very good grasp on how much money
- [Rick and Davin in Investment Advisor Magazine](https://kahlerfinancial.com/financial-awakenings/personal-notes/rick-and-davin-in-investment-advisor-magazine) - Kahler Financial Group provides information on Rick and Davin's recent feature in Investment Advisor Magazine. Visit our website for more information.
- [Brain Can Sabotage Buy-and-Hold Investment Strategy](https://kahlerfinancial.com/financial-awakenings/money-psychology/brain-can-sabotage-buy-and-hold-investment-strategy) - Fee-only financial planner Rick Kahler: Research shows value of static buy-and-old with periodic rebalancing; challenge is keeping strategy during market swings
- [Passive Investing: Lower Costs, Lower Risk, Better Returns](https://kahlerfinancial.com/financial-awakenings/weekly-column/passive-investing-lower-costs-lower-risk-better-returns) - Fee-only financial planner Rick Kahler: Passive investing with diversified index funds reduces investment fees and taxes, builds wealth with less risk
- [Are Affordable Care Act Promises Coming True?](https://kahlerfinancial.com/financial-awakenings/insurance/are-affordable-care-act-promises-coming-true) - Fee-only financial planner Rick Kahler: Affordable Care Act higher costs, unintended consequences need close look from consumers
- [Give Kids the Gift of College Success](https://kahlerfinancial.com/financial-awakenings/weekly-column/give-kids-the-gift-of-college-success) - Fee-only financial planner Rick Kahler: Kids who fund own education are more successful; parents should fund own retirement before kids' college
- [Doing Better Than We Think In South Dakota](https://kahlerfinancial.com/financial-awakenings/money-psychology/doing-better-than-we-think-in-south-dakota) - Fee-only financial planner Rick Kahler: South Dakota economy growing but money scripts of low taxes and frugality can serve state well in prosperity
- [Help Wanted to Understand Unemployment Rate](https://kahlerfinancial.com/financial-awakenings/weekly-column/help-wanted-to-understand-unemployment-rate) - Fee-only financial planner Rick Kahler: Unempllyment rate numbers don't tell whole story; computing method since 1980s omits some unemployed, keeps figures low
- [Planning for the Baby's Education? Not So Fast.](https://kahlerfinancial.com/financial-awakenings/in-the-news/planning-for-the-babys-education-not-so-fast) - Before new parents get excited about saving for the baby's college education, it's a good idea to focus on a more immediate kid expense: daycare. Marilen Cawad addresses this often-overlooked financial planning need in a September 5 article on TheStreet.com titled "The Unheard-of Financial Plan Every Would-Be Parent Needs to Hear About." Rick is one
- [Rick's Blog In Top Five for Financial Advice](https://kahlerfinancial.com/financial-awakenings/in-the-news/ricks-blog-in-top-five-for-financial-advice) - Fee-only financial planner Rick Kahler's blog listed by SocialTurns in top five financial advice blogs
- [Comparison Shop to Avoid Wasting Money](https://kahlerfinancial.com/financial-awakenings/in-the-news/comparison-shop-to-avoid-wasting-money) - Fee-only financial planner Rick Kahler cited on MainStreet in How to Spot a Money Waster, by Kristin Colella
- [Would You Foreclose on Family?](https://kahlerfinancial.com/financial-awakenings/in-the-news/would-you-foreclose-on-family) - Fee-only financial planner Rick Kahler cited on holding mortgage for kids in NASDAQ article "Is lending to your child worth the risk?"
- [How To Use Your Tax Refund](https://kahlerfinancial.com/financial-awakenings/in-the-news/how-to-use-your-tax-refund) - Fee-only financial planner Rick Kahler's advice on wise uses for your tax refund: pay debt, add to college or retirement fund
- [The Things Some "Financial Advisors" Won't Tell You](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/the-things-some-financial-advisors-wont-tell-you) - Kahler Financial shares the things some "financial advisors" won't tell you. Visit our website for more information.
- [Investing In Gifts](https://kahlerfinancial.com/financial-awakenings/conscious-cash-flow/investing-in-gifts) - Fee-only financial planner Rick Kahler: Financial Gifts That Keep On Giving
- [Here Are 7 Investment Behaviors To Avoid](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/investing-behaviors-that-leave-money-on-the-table) - Fee-only financial planner Rick Kahler: Investment decisions that lead to losses based on money psychology, not investment knowledge, Dalbar study finds
- [KFG Blog Among Registered Rep. Top Ten](https://kahlerfinancial.com/financial-awakenings/in-the-news/kfg-blog-among-registered-rep-top-ten-2) - "Rick Kahler's blog communicates insights on investing through a tight coordination of text, video, and audio." That's what John Kador from the online Registered Rep. magazine had to say about the KFG blog in naming it one of the top ten advisor blogs for 2011. His article, which you can read here, has some good
- [The Worst Money Advice](https://kahlerfinancial.com/financial-awakenings/in-the-news/the-worst-money-advice) - Fee-only financial planner Rick Kahler cited in Mainstreet article by Kristin Colella, "The Worst Money Advice I Ever Got"
- [Money Scripts Crucial In Uncertain Times](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/look-at-your-money-scripts-to-keep-cool-in-volatile-times) - Fee-only financial planner Rick Kahler: Eric J. Dammann, PhD, cites resolving money scripts as crucial in uncertain economic times
- [Consider Mortgage Refinancing While Interest Rates Are Low](https://kahlerfinancial.com/financial-awakenings/weekly-column/consider-mortgage-refinancing-while-interest-rates-are-low) - Fee-only financial planner Rick Kahler's advice: before refinancing mortgage, consider closing costs, lower payments, long-term savings, break-even point
- [Lifestyles of the Rich and Boring](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/lifestyles-of-the-rich-and-boring) - Guest Kathleen Fox, co-author with Rick Kahler of Conscious Finance, on why we learn to be proud of building wealth but ashamed of being rich
- [401(k) Investment Choices Not One-Size-Fits-All](https://kahlerfinancial.com/financial-awakenings/weekly-column/401k-investment-choices-not-one-size-fits-all) - Rick Kahler: Max out 401(k), but also make wise investment choices; diversify portfolio among asset classes for long-term health of retirement savings
- [Inflating Your Investment Options](https://kahlerfinancial.com/financial-awakenings/weekly-column/inflating-your-investment-options) - Fee-only financial planner Rick Kahler cites investment advice from economist Peng Chen: adjust diversified portfolio for inflation or deflation
- [Money Scripts 101](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/money-scripts-101) - Rarely do you see a newspaper reporter from a local publication cover a topic as in-depth as Emma Sapong, of the Buffalo News, did with money scripts.
- [Top Financial Planners' Best One-Liners](https://kahlerfinancial.com/financial-awakenings/in-the-news/top-financial-planners-best-one-liners) - Kahler Finanical Group shares top financial planner's best one-liners. Visit our website for more information.
- [Scrooge Can Help You Learn How To Handle Credit Wisely](https://kahlerfinancial.com/financial-awakenings/conscious-cash-flow/scrooge-can-help-you-learn-how-to-handle-credit-wisely) - One of my favorite books on the topic is called “The Financial Wisdom of Ebenezer Scrooge” by Ted Klontz, Rick Kahler, and Brad Klontz.
- [What is Financial Therapy?](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/what-is-financial-therapy) - My definition of financial therapy has evolved since I first heard the term in 2002.
- [A New CD on "Creating Wealth"](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/a-new-cd-on-creating-wealth) - In Creating Wealth from the Inside Out, you will learn easy, practical techniques for examining and changing your money mindset to support wealth creation.
- [Study: The Cost Of Happiness Is Going Up](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/study-the-cost-of-happiness-is-going-up) - Fee-only financial planner says money can buy happiness, but only up to $75,000 of income. After that you don't get much bang for your buck in the income to happiness ratio.
- [Advice on Planning For Health Care](https://kahlerfinancial.com/financial-awakenings/in-the-news/planning-for-health-care-reform) - Fee-only financial planner Rick Kahler says it's not too early to begin your personal planning for health care reform.
- [Protecting Students Against Learning Opportunities](https://kahlerfinancial.com/financial-awakenings/weekly-column/protecting-students-against-learning-opportunities) - Fee-only financial planner Rick Kahler advises caution with unpaid internships under new Department of Labor regulations
- [Politics Aside - A Critical Look At Healthcare](https://kahlerfinancial.com/financial-awakenings/in-the-news/politics-aside-a-critical-look-at-healthcare) - Financial advice in this month's issue of Financial Planning magazine from fee-only financial planner, Rick Kahler, on health care reform.
- [What's to Study? It's Time to Pass a Fiduciary Standard](https://kahlerfinancial.com/financial-awakenings/weekly-column/whats-to-study-its-time-to-pass-a-fiduciary-standard) - Fee-only financial planner urges Congress to protect consumers by requiring fiduciary standard for all financial advisors
- [Obama Declares War – On Wall Street](https://kahlerfinancial.com/financial-awakenings/news-for-kfg-clients/obama-declares-war-on-wall-street) - “Barack Obama declared war on Wall Street,” proclaimed a story appearing in Saturday’s January 23, 2010 edition of the London Times. The Times reports that in his “pugnacious lunchtime” speech on Friday, Obama introduced a “sweeping series of measures aimed at checking the behavior of banks” which will be the “biggest regulatory crackdown on the
- [A Primer on Therapy vs. Coaching](https://kahlerfinancial.com/financial-awakenings/financial-coaching-therapy/a-primer-on-therapy-vs-coaching) - Kathleen Burns Kingsbury posted a story from the Boston Globe that caught my eye. It’s on the differences between therapy vs. therapy. Read it here.
- [Scripts from the Past Help Enlighten The Present](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/scripts-from-the-past-help-enlighten-the-present) - What can a week at a financial integration workshop do for you? It will create clarity, authenticity, and abundance while helping to enlighten the present.
- [Take The Money Script Survey Today!](https://kahlerfinancial.com/financial-awakenings/in-the-news/take-the-money-script-survey-today) - Kahler Financial Group offer the money script survey for your review prior to the closing date of July 2. Visit our website to learn more.
- [Survey Your Money Scripts](https://kahlerfinancial.com/financial-awakenings/weekly-column/survey-your-money-scripts) - https://www.youtube.com/watch?v=7_5fNVpQx54 How do people manage their money when nobody’s looking? What is behind the financial choices—good and bad—that we make? Many of those choices are shaped by our “money scripts,” the unconscious beliefs we all hold about money. Most of these beliefs are partial truths, which we tend to follow blindly even though we aren’t
- [Rick Quoted in Men's Health Magazine](https://kahlerfinancial.com/financial-awakenings/in-the-news/rick-quoted-in-mens-health-magazine) - Rick was featured in the November 2007 issue of Men’s Health magazine. The article, by Mark Millhone, was titled “Actually, Money Can Buy Happiness” and discussed six commonly held myths about money. Rick was quoted on three ways to teach your kids healthier attitudes about money. Those are: 1. Teach them that smart money management
- [KFG YouTube Videos Featured](https://kahlerfinancial.com/financial-awakenings/in-the-news/post-kfg-youtube-videos-featured) - The October issue of Financial Planning magazine included an article, "CyberSocializing--Here's how financial planners are making the most of social media," which featured the ways various financial planners use technology to support their clients. Reporter Gwen Moran called me as a result of seeing my videos on YouTube. I was pretty surprised. The idea of
- [The Value of a Great Cup of Coffee](https://kahlerfinancial.com/financial-awakenings/weekly-column/the-value-of-a-great-cup-of-coffee) - If you were at a Safeway store in Rapid City sometime in the past couple of weeks, you may have seen me skulking toward the checkout line, hunched over suspiciously, with something hidden under my coat. No, I wasn’t shoplifting. I was just buying cheap coffee. Most of you know that I enjoy really good
- [Searching For Joy In Holiday Giving](https://kahlerfinancial.com/financial-awakenings/money-psychology/searching-for-joy-in-holiday-giving) - Fee-only financial planner and therapist Rick Kahler: Explore your money scripts to help you find joy instead of stress in holiday giving.
- [Coronavirus and Your Investment Portfolio](https://kahlerfinancial.com/financial-awakenings/weekly-column/coronavirus-and-your-investment-portfolio) - Fee-only financial planner Rick Kahler: Economic impact of coronavirus is real but unpredictable; no need for investors to overreact to headlines
- [Action Now Is Key to Easing Financial Fears](https://kahlerfinancial.com/financial-awakenings/money-psychology/action-now-is-key-to-easing-financial-fears) - Fee-only financial planner Rick Kahler: Ease money fears; how to motivate yourself to act now to protect your financial future
- [Financial Planner's Net Worth--Right Answer to Wrong Question](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/financial-planners-net-worth-right-answer-to-wrong-question) - Fee-only financial planner Rick Kahler: Look beyond net worth to find out if financial advisor is trustworthy, capable, and good fit for you
- [Rick's Inheritance Article in USA Today](https://kahlerfinancial.com/financial-awakenings/in-the-news/ricks-inheritance-article-in-usa-today) - [et_pb_section][et_pb_row][et_pb_column type=”4_4″][et_pb_text]USA Today has picked up Rick’s recent column on parents’ intentions around leaving inheritances to their kids. The piece is included in the “Money” section of USA Today‘s online edition.[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]
- [Protect Your Business From Embezzlement](https://kahlerfinancial.com/financial-awakenings/asset-protection/protect-business-employees-against-embezzlement) - Fee-only financial planner Rick Kahler: Prevent embezzlement, protect your business and employees with strict procedures, owner attention, and integrity.
- [ID Theft Insurance? Not Recommended.](https://kahlerfinancial.com/financial-awakenings/asset-protection/id-theft-insurance-not-recommended) - Fee-only financial planner Rick Kahler: Identity theft insurance not recommended even after bank account hacked; it doesn't cover personal time and hassle
- [Asset Protection and the Panama Papers](https://kahlerfinancial.com/financial-awakenings/asset-protection/asset-protection-and-the-panama-papers) - Fee-only financial planner Rick Kahler: Panama Papers; trusts, corporations are legitimate asset protection tools when used with integrity
- [Wealth Equals Wellbeing Only If You Spend It When You Need To](https://kahlerfinancial.com/financial-awakenings/money-psychology/wealth-equals-wellbeing-only-if-you-spend-it-when-you-need-to) - Avoid "Scrooge Syndrome;" use your money for self-care to support your wellbeing as you age. Wealth equals wellbeing when you do this.
- [How to Know When Financial Therapy Might Help](https://kahlerfinancial.com/financial-awakenings/money-psychology/how-to-know-when-financial-therapy-might-help) - Fee-only financial planner and therapist Rick Kahler: What does a financial therapist do, and how do you know when it might be time to see one? Can they help?
- [Financial Therapy Interview on SharkPreneur](https://kahlerfinancial.com/financial-awakenings/news-room-media/financial-therapy-interview-on-sharkpreneur) - Listen to this insightful RIA episode with Rick Kahler about financial therapy with host Seth Greene on SharkPreneur.
- [Are We Living In The "Good Old Days"?](https://kahlerfinancial.com/financial-awakenings/money-psychology/are-we-living-in-the-good-old-days) - Fee-only financial planner and therapist Rick Kahler: Numerous wellbeing indicators suggest we lead longer and more prosperous lives than was true 40 years ago
- [The Risk of Anchoring Investment Expectations to a Market High](https://kahlerfinancial.com/financial-awakenings/money-psychology/the-risk-of-anchoring-investment-expectations-to-a-market-high) - Fee-only financial planner and therapist Rick Kahler: Anchoring investment expectations to market highs can lead to panic and costly mistakes
- [For Seniors: Giving Up The Checkbook, Part Two](https://kahlerfinancial.com/financial-awakenings/retirement-64/for-seniors-giving-up-the-checkbook-part-two) - Fee-only financial planner Rick Kahler: Steps for seniors to transfer financial responsibility to surrogate in planned, gradual transition
- [Can You, Too, Become an Investing Genius?](https://kahlerfinancial.com/financial-awakenings/asset-protection/can-you-too-become-an-investing-genius) - Fee-only financial planner and therapist Rick Kahler: Beware of investment "experts" who want to sell you secrets to building wealth.Investing genius?
- [Suddenly Single, With Wealth--Is There a Problem Here? Part Two](https://kahlerfinancial.com/financial-awakenings/money-psychology/suddenly-single-with-wealth-is-there-a-problem-here-part-two) - Fee-only financial planner and therapist Rick Kahler: Left single with wealth later in life brings emotional challenges, loneliness, exploitation, biases
- [Suddenly Single, With Wealth—Is There a Problem Here? Part One](https://kahlerfinancial.com/financial-awakenings/estate-planning/suddenly-single-with-wealth-is-there-a-problem-here-part-one) - Fee-only financial planner and therapist Rick Kahler: Money management challenges of being suddenly divorced or widowed with wealth in midlife
- [Financial Life Planning: A Job, a Career, or a Calling?](https://kahlerfinancial.com/financial-awakenings/weekly-column/financial-life-planning-a-job-a-career-or-a-calling) - Fee-only financial planner and therapist Rick Kahler: Is your financial advisor seeing their work as a job, a career, or a calling for financial life planning.
- [Buying or Selling Your Home in COVID-19 Economic Uncertainty](https://kahlerfinancial.com/financial-awakenings/weekly-column/buying-or-selling-your-home-in-covid-19-economic-uncertainty) - Fee-only financial planner Rick Kahler: real estate market uncertain in COVID-19 economic chaos; waiting to buy or sell may be better option
- [Business No Luxurious Path to Success](https://kahlerfinancial.com/financial-awakenings/weekly-column/business-ownership-no-self-indulgent-path-to-success) - Fee-only financial planner Rick Kahler: Belief that business owners have it easy a misperception; success often follows years of hard work
- [Why Inheriting the Family Home Can Be a Bad Idea](https://kahlerfinancial.com/financial-awakenings/estate-planning/why-inheriting-the-family-home-can-be-a-bad-idea) - Fee-only financial planner Rick Kahler: The idea of inheriting the family home to kids are often more emotional than financial; downsides may outweigh benefits
- [Should Clients Know Their Advisor's Net Worth?](https://kahlerfinancial.com/financial-awakenings/news-room-media/should-clients-know-their-advisors-net-worth) - Should clients be concerned if their advisor shies away from questions about their own finances? A news story by Financial Advisor dated October 2nd, 2023.
- [Feelings about Student Loan Forgiveness are Complicated](https://kahlerfinancial.com/financial-awakenings/money-psychology/feelings-about-student-loan-forgiveness-are-complicated) - Fee-only financial planner and therapist Rick Kahler: Emotions about student loan forgiveness are complicated for those who didn't receive it
- [Why We Put Off Planning for Long Term Care](https://kahlerfinancial.com/financial-awakenings/money-psychology/why-we-put-off-planning-for-long-term-care) - Fee-only financial planner and therapist Rick Kahler: Waiting for a health crisis to arrange for long-term care is common. Cognitive biases may be the reason
- [Seller Financing: A Real Estate Option From The Past May Be Back](https://kahlerfinancial.com/financial-awakenings/weekly-column/seller-financing-a-real-estate-option-from-the-past-may-be-back) - Fee-only financial planner and therapist Rick Kahler: With higher mortgage rates, seller financing is again an option in real estate sales.
- [What Do Harvard and KFG Clients Have In Common?](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/what-do-harvard-and-kfg-clients-have-in-common) - Kahler Financial Group discuss what Harvard and our clients have in common. Visit our website for more information.
- [What Market Correction?](https://kahlerfinancial.com/financial-awakenings/investment-updates-210/what-market-correction) - Kahler Financial Group provides information on a recent market correction. Visit our website for more information.
- [The Dow Is Falling - Part II](https://kahlerfinancial.com/financial-awakenings/investment-updates-210/post-the-dow-is-falling-part-ii) - While the rest of the investment world had a frenzy over the stock market decline last week, KFG clients took the decline in stride....maybe with a yawn! We've "been here and done that." Indeed, the Dow declined about 5.2% from its all-time high on July 19th. However, a portfolio with asset class diversification was down
- [The Bear Market - How Long and How Low Will It Go](https://kahlerfinancial.com/financial-awakenings/investment-updates-210/the-bear-market-how-long-and-how-low-will-it-go) - On Wednesday, July 2nd, the US Stock market officially became a roaring bear market, falling below the defining 20% decline mark from its peak in October 2007. According to Bear Markets, by Harry D. Shultz (Prentice Hall 1964), the average length of the past 26 Bear Markets is 16 months, with a range of 2
- [Wealthy Investors Satisfied With Hedge Funds](https://kahlerfinancial.com/financial-awakenings/investment-updates-210/wealthy-investors-satisfied-with-hedge-funds) - You may want to read an interesting post today in a WSJ blog, The Wealth Report, by Robert Frank. In the post, Frank reports that a survey of 400 wealthier Americans finds them satisfied with their investments in hedge funds, which account for about 9% of their average portfolio. The average return to July 24th,
- [Turn Off Your TV!!!](https://kahlerfinancial.com/financial-awakenings/investment-updates-210/turn-off-your-tv) - After what I saw on Fox News around noon today, I don't blame anyone for wanting to jump out of a first story window!!! I was working out on the treadmill at noon watching the Fox market report. A young lady, Alexis, a business commentator at Fox, was in an absolute panic. I've never seen
- [Words of Wisdom From Warren Buffett and Bob Veres](https://kahlerfinancial.com/financial-awakenings/investment-updates-210/words-of-wisdom-from-warren-buffett-and-bob-veres) - Kahler Financial Group share words of wisdom from Warren Buffett and Bob Veres. Visit our website for more information.
- [How Did We Get Here?  A Great Synopsis By Kiplinger](https://kahlerfinancial.com/financial-awakenings/investment-updates-210/how-did-we-get-here-a-great-synopsus-by-kiplinger) - Kahler Financial Group discuss the great synopsis by Kiplinger, How Did We Get Here? Visit our website for more information.
- [Bargains in Bonds?](https://kahlerfinancial.com/financial-awakenings/investment-updates-210/bargains-in-bonds) - I've read several articles recently suggesting that right now bonds are a "once in a century" buy. This is largely because investors no longer trust the ratings of the bond rating companies--Moody's, Standard and Poor's, and Fitch--after the big three so badly missed the meltdown of the large financial companies. One bond trader gave me
- [Diversified Investing in Challenging Times](https://kahlerfinancial.com/financial-awakenings/investment-updates-210/diversified-investing-in-challenging-times) - Kahler Financial Group discuss diversified investing in challenging times. Visit our website for more information.
- [The Scream of the Lizard](https://kahlerfinancial.com/financial-awakenings/money-management-2/the-scream-of-the-lizard) - By guest columnist, Bob Veres, editor of Inside Information I don't know about you, but I'm feeling just a little beat-up at the moment, and not totally because of the stock market. Today's returns, trickling in all day, reminded me of a time years ago when I foolishly allowed my children to talk me into
- [BusinessWeek Article is a Must Read](https://kahlerfinancial.com/financial-awakenings/the-economy/businessweek-article-is-a-must-read) - BusinessWeek ran an excellent article in the 3/19/09 issue, titled "Stock Markets: When Will the Bull Return?" The article is on the current crisis and compares it to past bear markets. One of the most interesting features is the introduction of some new research that studied other market crashes caused by banking failures, rather than
- [Kiplinger - Time to Say Goodby to the Bear?](https://kahlerfinancial.com/financial-awakenings/investment-updates-210/kiplinger-time-to-say-goodby-to-the-bear) - Here is another interesting article from Kiplinger. Click here to read.
- ["The Recession-What's Next?" Workshop Well Attended](https://kahlerfinancial.com/financial-awakenings/estate-planning/the-recession-whats-next-workshop-well-attended) - Kahler Financial Group discuss the recent workshop, The Recession - What's Next? Visit our website for more information.
- [London Times:  Inflationary monster is just a bogeyman](https://kahlerfinancial.com/financial-awakenings/investment-updates-210/london-times-inflationary-monster-is-just-a-bogeyman) - Here is an article that appeared in yesterday's London Times. Because I get this on my Kindle, I can't find a link to the online story, so I've reprinted the article in full below. "Alarm bells are being loudly rung. In panic-prone parts of the City, shrill warning cries can be heard. No sooner has
- [Kiplinger Says Get Out of Commodities - I Disagree](https://kahlerfinancial.com/financial-awakenings/investment-updates-210/kiplinger-says-get-out-of-commodities-i-disagree) - Kahler Financial Group discuss why they disagree with Kiplinger advising to get our of commodities. Visit our website for more information.
- [Who's Done Better -  Reagan or Obama?](https://kahlerfinancial.com/financial-awakenings/investment-updates-210/whos-done-better-reagan-or-obama-5) - A story done by Dirk van Dijk, CFA for Zack's Investment Research, compared Ronald Reagan's first year in office with Barack Obama's. Both presidents inherited a sick economy: Obama a meltdown of the financial system and Reagan runaway inflation. Of course, the situations were different, but both were significant financial threats to the economy. When
- [Think markets are moody? How about investors?](https://kahlerfinancial.com/financial-awakenings/education-2/think-markets-are-moody-how-about-investors) - In a recent article, Deborah Nason explores the following ideas. Financial advisors may handle wild market swings like pros, but the same cannot always be said for their clients. Approaches to handling investors fears can include re-framing the issue for worried clients, educating them about market dynamics and even imposing an informal news blackout. In
- [Inflation and Your Paycheck: When a Raise is Not a Raise](https://kahlerfinancial.com/financial-awakenings/money-psychology/inflation-and-your-paycheck-when-a-raise-is-not-a-raise) - Fee-only financial planner Rick Kahler: Understanding inflation and your paycheck; a raise is not a raise if purchasing power stays the same
- [Small Companies Get Tax Breaks, Too](https://kahlerfinancial.com/financial-awakenings/the-economy/small-companies-get-tax-breaks-too) - Fee-only financial planner Rick Kahler: Tax writeoffs that help big corporations like Amazon reduce their tax bills apply to small businesses, too
- [Coping With Finances While Coping With Grief](https://kahlerfinancial.com/financial-awakenings/estate-planning/coping-with-finances-while-coping-with-grief) - Financial planner and therapist Rick Kahler: How to cope with making important money decisions in times of grief and loss
- [Why A Happy Advisor Is A Good Advisor](https://kahlerfinancial.com/financial-awakenings/news-room-media/why-a-happy-advisor-is-a-good-advisor) - A lot has been said and written about what makes a good financial advisor and there is usually agreement on what qualities they should possess.
- [What's Worse Than Having No Will? Having Two](https://kahlerfinancial.com/financial-awakenings/asset-protection/whats-worse-than-having-no-will-having-two) - Fee-only financial planner and therapist Rick Kahler: Aretha Franklin lawsuit over two wills shows harm of haphazard estate planning
- [Predictions of US Dollar's Demise Did Not Come True](https://kahlerfinancial.com/financial-awakenings/media/predictions-of-us-dollars-demise-did-not-come-true) - Fee-only financial planner and therapist Rick Kahler: Don't make hasty investment decisions based on alarming market predictions, even from respected sources
- [Faux Financial Intimacy or Genuine Communication](https://kahlerfinancial.com/financial-awakenings/money-psychology/faux-financial-intimacy-or-genuine-communication) - Fee-only financial planner and therapist Rick Kahler: Real financial intimacy does not mean lack of conflict; it requires trust, honesty, and vulnerability
- [Maintaining Elder Independence Without Burdening Your Family](https://kahlerfinancial.com/financial-awakenings/estate-planning/for-seniors-maintaining-independence-includes-accepting-the-need-for-help) - Fee-only CFP and therapist Rick Kahler: Unrealistic expectations for elder at-home care can burden family members. Two stories on elder independence.
- [Budgeting With the 3 Bucket System](https://kahlerfinancial.com/financial-awakenings/weekly-column/budgeting-with-the-bucket-system) - We've recently introduced our clients to a powerful new tool that helps determine what lifestyle you can afford. It is called First Step Cash Management.
- [Budget Act Cuts Social Security Filing Options](https://kahlerfinancial.com/financial-awakenings/weekly-column/budget-act-cuts-social-security-filing-options) - Fee-only financial planner Rick Kahler: 2015 Budget Act cuts Social Security benefits of file-and-suspend and restricted application
- [Bonds an Investment Class Worth Some Excitement](https://kahlerfinancial.com/financial-awakenings/weekly-column/bonds-an-investment-class-worth-some-excitement) - Fee-only financial planner Rick Kahler: Bonds, typically boring, occasionally offer exciting returns and are a valuable asset class for investors
- [Bipartisan Agreement For Some Health Care Changes](https://kahlerfinancial.com/financial-awakenings/weekly-column/bipartisan-agreement-for-some-health-care-changes) - Fee-only financial planner Rick Kahler: Health care expert Jamie Orlikoff sees bipartisan support for value based care and evidence based care
- [Betting on a Winner With International Bonds](https://kahlerfinancial.com/financial-awakenings/weekly-column/betting-on-a-winner-with-international-bonds) - Fee-only financial planner Rick Kahler: International bonds, global investing part of diversified portfolio as US economy has declined
- [Ask if Advisors Follow Their Own Investment Advice](https://kahlerfinancial.com/financial-awakenings/weekly-column/ask-if-advisors-follow-their-own-investment-advice) - Fee-only financial planner Rick Kahler: Ask if advisors invest in same products they recommend for you; what's not good for advisor may not be good for client
- [As Safe as Money in the Bank](https://kahlerfinancial.com/financial-awakenings/weekly-column/as-safe-as-money-in-the-bank) - Fee-only financial planner Rick Kahler: Cash, CDs best for short-term savings; portfolio with asset class diversification is safe long-term investment
- [Be Wary of Investment Guarantees](https://kahlerfinancial.com/financial-awakenings/weekly-column/be-wary-of-investment-guarantees) - Fee-only financial planner Rick Kahler: Ethical advisors don't guarantee investments will never lose money; long-term investing fluctuates
- [Baby Boomer Retirement Crisis Not a Sudden Event](https://kahlerfinancial.com/financial-awakenings/weekly-column/baby-boomer-retirement-crisis-not-a-sudden-event) - Fee-only financial planner Rick Kahler: Solutions to Baby Boomer retirement crisis: higher retirement age, lower taxes, saving incentives for young workers
- [Avoiding "Chicken Today, Feathers Tomorrow"](https://kahlerfinancial.com/financial-awakenings/weekly-column/avoiding-chicken-today-feathers-tomorrow) - Fee-only financial planner Rick Kahler's financial advice for managing irregular income from careers like consulting, professional sports, farming, or music
- [Are One in Five Americans the "New Rich"? Not Exactly.](https://kahlerfinancial.com/financial-awakenings/weekly-column/are-one-in-five-americans-the-new-rich-not-exactly) - Fee-only financial planner Rick Kahler: 1 in 5 in US with temporary affluence are not "new rich" but can be role models for success, financial independence
- [Are Commodities the "Next Best Thing?](https://kahlerfinancial.com/financial-awakenings/weekly-column/are-commodities-the-next-best-thing) - Financial advice from fee-only financial planner Rick Kahler: Commodities and non-leveraged commodity futures reduce volatility in diversified portfolio
- [A Wiser Way to Invest Social Security Benefits](https://kahlerfinancial.com/financial-awakenings/weekly-column/a-wiser-way-to-invest-social-security-benefits) - Fee-only financial planner Rick Kahler: Best way to invest Social Security benefits for strong return is to delay filing for benefits
- [A Taxing New Year's Resolution](https://kahlerfinancial.com/financial-awakenings/weekly-column/a-taxing-new-years-resolution) - Fee-Only Financial Planner Rick Kahler's 8 suggestions on tax-saving strategies to avoid paying more taxes than you owe.
- [A More Perfect Union?](https://kahlerfinancial.com/financial-awakenings/weekly-column/a-more-perfect-union) - Fee-only financial planner Rick Kahler says public unions are largest special interest groups, Wisconsin is first sign of conflict over public pensions
- [Breaking the Cycle of Debt](https://kahlerfinancial.com/financial-awakenings/news-room-media/breaking-the-cycle-of-debt) - Paying down credit card balances is a logistical and emotional challenge.
- [Should You Pay Your Family For Senior Care?](https://kahlerfinancial.com/financial-awakenings/weekly-column/should-you-pay-your-family-for-senior-care) - Fee-only financial planner and therapist Rick Kahler: Paying family members for in-home senior care may save money and reduce family stress
- [What Can A Financial Advisor Do For Me?](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/106-things-we-do-for-our-clients) - Kahler Financial shares 106 things we do as Financial Advisors to help our clients. Visit our website to learn more about how Kahler Financial can help you.
- [The Biggest Risk To A Well-Designed Financial Plan in Your Later Years Could Be Your Children](https://kahlerfinancial.com/financial-awakenings/asset-protection/the-biggest-risk-to-a-well-designed-financial-plan) - Fee-only financial planner and therapist Rick Kahler: Biggest Risk | How adult children, often with good intentions, sabotage elderly parents' financial plans.
- [Plan Now For Tax Increases](https://kahlerfinancial.com/financial-awakenings/tax-planning/plan-now-for-tax-increases) - Fee-only financial planner Rick Kahler's advice: prepare now for 2011 tax increases; Bush tax cuts were greater for middle class than wealthy
- [What is a Financial Planner's Purpose?](https://kahlerfinancial.com/financial-awakenings/money-psychology/what-is-your-financial-planners-core-purpose) - Fee-only financial planner Rick Kahler: Well-being of clients and staff, as well as financial health, is core purpose of financial planning
- [Sound Choices Need Logic and Emotion](https://kahlerfinancial.com/financial-awakenings/money-psychology/the-emotional-aspect-of-sound-money-decisions) - Fee-only financial planner Rick Kahler: sound money decisions need both logic and emotion, as Ebenezer Scrooge's transformation shows
- [Reprogram Brain for Wiser Money Decisions](https://kahlerfinancial.com/financial-awakenings/money-psychology/reprogram-your-brain-for-better-financial-decisions) - Fee-only financial planner Rick Kahler: Brain is programmed for poor financial choices; we can learn to add logic to emotion for wiser money decisions
- [Logic with Emotions for Money Decisions](https://kahlerfinancial.com/financial-awakenings/money-psychology/integrate-emotions-and-logic-for-better-money-decisions) - Fee-only financial planner Rick Kahler: Financial wellness based on integrating emotion and logic to make sound money decisions
- [Frugality: The Essential Money Skill](https://kahlerfinancial.com/financial-awakenings/money-psychology/frugality-the-essential-money-survival-skill) - Fee-only financial planner Rick Kahler: Frugality, essential to building wealth, is using money wisely to support life you want; thrifty mindset can be learned
- [Over-Consumption Not Tied to Capitalism](https://kahlerfinancial.com/financial-awakenings/money-psychology/greed-over-consumption-not-products-of-capitalism) - Fee-only financial planner Rick Kahler: Greed a human trait, "more is better: money script not tied to capitalism or any other economic system
- [Finding Your Financial Comfort Zone](https://kahlerfinancial.com/financial-awakenings/money-psychology/finding-your-financial-comfort-zone) - Fee-only financial planner Rick Kahler: Money beliefs, not income, keep us in financial comfort zone that may limit lasting financial comfort and security
- [Financial Evolution of Ebenezer Scrooge](https://kahlerfinancial.com/financial-awakenings/money-psychology/financial-transformation-of-ebenezer-scrooge-visiting-the-past) - #post_contentFee-only financial planner and financial therapist Rick Kahler: to transform relationship with money, first visit the past as did Ebenezer Scrooge
- [Clarity in the Present, Build the Future](https://kahlerfinancial.com/financial-awakenings/money-psychology/financial-transformation-of-ebenezer-scrooge-clarity-in-the-present-building-for-the-future) - #post_contentFee-only financial planner, financial therapist Rick Kahler: transforming your financial future after visiting the past, clearly seeing the future
- [Financial Health and Survival Instincts](https://kahlerfinancial.com/financial-awakenings/money-psychology/financial-health-and-survival-instincts) - Fee-only financial planner Rick Kahler: Financial health may be shaped by basic survival instincts for self-preservation, social, sexual relationships
- [Is Your Financial Planner Seen As Family?](https://kahlerfinancial.com/financial-awakenings/money-psychology/do-you-think-of-your-financial-planner-as-family) - Fee-only financial planner Rick Kahler: Trust, integrity over time may build lifetime or close "family" relationship between clients and advisors
- [Learn Your Partner's Money Habits Early](https://kahlerfinancial.com/financial-awakenings/money-psychology/dating-do-ask-and-do-tell-about-money) - Fee-only financial planner Rick Kahler: Dating couples need to talk about money; to avoid future conflict, ask about income, debt, spending, money beliefs
- [Finding Client-Based Financial Planning](https://kahlerfinancial.com/financial-awakenings/money-psychology/client-focused-financial-planning-addresses-money-and-emotions) - Fee-only financial planner Rick Kahler: Emotion drives money decisions; find client-focused financial planners who therapists address money psychology.
- [Four Investing Cognitive Biases To Avoid](https://kahlerfinancial.com/financial-awakenings/money-psychology/cognitive-bias-the-stinking-thinking-that-can-cost-you-money) - Fee-only financial planner and therapist Rick Kahler: biased thinking and perceptions are behind many poor investment decisions
- [Change With Financial Therapy Tools](https://kahlerfinancial.com/financial-awakenings/money-psychology/change-money-behavior-with-financial-therapy-tools) - Financial Planner Rick Kahler: Tools from financial therapy can help you understand, change problematic money behaviors
- [Have Your Investing Cake and Eat It Too?](https://kahlerfinancial.com/financial-awakenings/money-psychology/can-you-have-your-investing-cake-and-eat-it-too) - Fee-only financial planner Rick Kahler: We can't have investment cake and eat it too; high returns with low risk is not a reasonable expectation
- [Kahler On 2019 Icons and Innovators List](https://kahlerfinancial.com/financial-awakenings/media/richard-kahler-named-to-the-investmentnews-2019-icons-and-innovators-list) - Richard Kahler was chosen from several hundred nominations to make the list of 10 Innovators and one Icon, Sheryl Garrett, founder of Garrett Planning Network.
- [Money Beliefs and Luxury Lifestyle TV](https://kahlerfinancial.com/financial-awakenings/media/money-beliefs-and-luxury-lifestyle-tv) - Fee-only financial planner Rick Kahler: Does watching shows about luxury lifestyles make viewers more materialistic?
- [Stock Market Changes, Should You Worry?](https://kahlerfinancial.com/financial-awakenings/investment-updates-210/with-the-stock-market-fluctuating-should-you-be-worried-about-your-money) - Last week, Alexus Davila form KOTA Territory News sat down with Rick Kahler to discuss the fluctuating stock market. Click the link below to watch the short news report from last Friday.
- [The Headache of Enrolling in Obamacare](https://kahlerfinancial.com/financial-awakenings/insurance/the-headache-of-enrolling-in-obamacare) - Fee-only financial planner Rick Kahler: Frustrated with Obamacare website? Enroll through insurance broker. My new policy has higher costs, lower coverage.
- [Term Life Policy Can Protect Retirement](https://kahlerfinancial.com/financial-awakenings/insurance/term-life-insurance-can-protect-retirement-plan-contributions) - Fee-only financial planner Rick Kahler: In middle age, term life insurance can protect earnings that fund retirement plan contributions
- [Learn About Healthcare Exchanges Early](https://kahlerfinancial.com/financial-awakenings/insurance/start-early-to-learn-about-health-care-exchanges) - Fee-only financial planner Rick Kahler: Obamacare health insurance exchanges open Oct. 1; research now to make best health care choices for your family
- [Insurance Guaranty, Protect An Annuity](https://kahlerfinancial.com/financial-awakenings/insurance/some-annuity-protection-from-insurance-guaranty-associations) - Fee-only financial planner Rick Kahler: Insurance Guaranty Associations guarantee some annuities; investors need due diligence to invest with sound companies
- [Worried About the Cost of Healthcare?](https://kahlerfinancial.com/financial-awakenings/insurance/seen-yearly-retirement-medical-costs-not-so-scary) - Fee-only financial planner Rick Kahler: seen annually, medical costs in retirement a relatively stable expense to be planned for.
- [Preparing for Financial Emergencies](https://kahlerfinancial.com/financial-awakenings/insurance/preparing-for-financial-emergencies) - Fee-only financial planner Rick Kahler's advice: To prepare for money emergencies become debt-free, use insurance, save an emergency fund, diversify investments
- [BYOB Bad for Industry and Consumers](https://kahlerfinancial.com/financial-awakenings/insurance/insurance-industry-should-protect-itself-from-byob-schemers) - Fee-only financial planner Rick Kahler: High commissions on whole life policies may tempt insurance industry to protect Be Your Own Banker (BYOB) schemers
- [The Risks of Annuity Insurance](https://kahlerfinancial.com/financial-awakenings/insurance/insurance-against-market-crashes) - Fee-only financial planner Rick Kahler: Variable annuity as insurance against market crashes may concentrate risk, is a strategy to use with care
- [Immediate Annuities For Retirement Plans](https://kahlerfinancial.com/financial-awakenings/insurance/immediate-annuities-may-fit-into-retirement-plan) - Fee-only financial planner Rick Kahler: Single Premium Immediate Annuity (SPIA) worth considering as part of overall retirement planning
- [Negotiating Insurance Claims is Normal](https://kahlerfinancial.com/financial-awakenings/insurance/dont-be-a-victim-twice-protect-your-interests-in-insurance-claims) - Fee-only financial planner Rick Kahler: Negotiate insurance claims for full compensation, be your own advocate to protect your own interests
- [Child Whole Life Insurance Has Low Value](https://kahlerfinancial.com/financial-awakenings/insurance/childhood-whole-life-insurance-a-thin-security-blanket) - Fee-only financial planner Rick Kahler: Childhood whole life insurance policy may offer more emotional security than financial value in adulthood
- [Biohazard Insurance a Must for Rentals](https://kahlerfinancial.com/financial-awakenings/insurance/biohazard-insurance-on-rental-property-protects-owners-tenants) - Fee-only financial planner Rick Kahler: Biohazard cleanup insurance on rental property protects owners, tenants from financial costs of tragedy
- [The Reason Your Home Isn't Selling](https://kahlerfinancial.com/financial-awakenings/in-the-news/your-money-scripts-may-be-the-reason-your-home-isnt-selling) - Fee only financial planner Rick Kahler tells Bankrate.com that your beliefs about money may be keeping you stuck in your home.
- [Where to Keep Your Emergency Funds?](https://kahlerfinancial.com/financial-awakenings/in-the-news/where-to-keep-your-emergency-funds-hint-not-under-your-mattress) - The article focuses on places to keep emergency funds and suggests several alternatives in addition to conventional bank or credit union savings accounts.
- ["Je Ne Comprends Pas" Meaning in French?](https://kahlerfinancial.com/financial-awakenings/in-the-news/what-does-je-ne-comprends-pas-mean-in-french) - Financial advisor Rick Kahler is quoted in a Quebec website on financial therapy. Unfortunately, he doesn't know what he said for sure....
- [Rick Kahler Cited in Wall Street Journal](https://kahlerfinancial.com/financial-awakenings/in-the-news/wall-street-journal-sees-financial-therapy-as-growing-field) - Fee-only financial planner Rick Kahler cited in Wall Street Journal article on growing field of financial therapy
- [Retirees Worried About Healthcare Costs](https://kahlerfinancial.com/financial-awakenings/in-the-news/wall-street-journal-most-retirees-worried-about-health-care-costs) - Health care is one of the biggest expenses retirees have, and it’s going to cost more than most of us expect.
- [Mutual Funds, Futures Contracts Rules](https://kahlerfinancial.com/financial-awakenings/in-the-news/too-many-watchdogs) - Fee-only financial planner Rick Kahler: SEC and CFTC oversight for commoditites futures mutual funds adds cost, not consumer protection
- [Consider Increasing Your Cash Reserves](https://kahlerfinancial.com/financial-awakenings/in-the-news/time-to-consider-increasing-your-cash-reserves) - Financial Advisor Rick Kahler told the Wall Street Journal that it's time for retirees to consider increasing their cash reserves to cover two years of income.
- [The Strange Power of Financial Therapy: Engaging with Rick Kahler](https://kahlerfinancial.com/financial-awakenings/news-room-media/the-strange-power-of-financial-therapy-engaging-with-rick-kahler) - Helen Lees, PhD shares her powerful session with Rick Kahler and her story of transformation. Rick uses IFS with financial therapy to help Helen with her money.
- [Correcting The Myth of "One Money Script"](https://kahlerfinancial.com/financial-awakenings/money-psychology/correcting-the-myth-of-one-money-script) - Fee-only financial planner and therapist Rick Kahler: Each person has many money scripts, not just one; anyone saying otherwise misunderstands the concept
- [Social Security Was Not Created As A Retirement Safety Net](https://kahlerfinancial.com/financial-awakenings/weekly-column/social-security-was-not-created-as-a-retirement-safety-net) - Fee-only financial planner and therapist Rick Kahler: Social Security retirement age, life expectancy, and surprising history of retirement pensions
- [Protecting Your Financial Plan From Family Members With Good Intentions](https://kahlerfinancial.com/financial-awakenings/asset-protection/protecting-your-financial-plan-from-family-members-with-good-intentions) - Fee-only financial planner and financial therapist Rick Kahler: Protecting your financial plan from family members with good intentions. Here are nine ways.
- [Winners and Losers If Non-Compete Agreements Are Banned](https://kahlerfinancial.com/financial-awakenings/weekly-column/winners-and-losers-if-non-compete-agreements-are-banned) - Fee-only financial planner and therapist Rick Kahler: banning non-compete agreements would have unforeseen consequences for young professionals
- [The Debt Ceiling: Government Borrowing From Itself](https://kahlerfinancial.com/financial-awakenings/weekly-column/the-debt-ceiling-government-borrowing-from-itself) - Fee-only financial planner and therapist Rick Kahler: Federal debt ceiling; what organization borrows money from itself?
- [Rick Cited; On Money Scripts in WSJ](https://kahlerfinancial.com/financial-awakenings/in-the-news/the-wall-street-journal-on-money-scripts) - Kahler Financial Group provide Rick Kahler's take on money scripts being cited in Wall Street Journal. Visit our website for more information.
- [Research Cited; Planners Needing Planners](https://kahlerfinancial.com/financial-awakenings/in-the-news/ricks-research-cited-in-article-on-planners-needing-planners) - An article by Ann Marsh cited Rick's award-winning 2008 paper reporting on his research into why so few planners have financial planners of their own.
- [Rick Talks on “Money, Riches & Wealth”](https://kahlerfinancial.com/financial-awakenings/in-the-news/rick-to-appear-on-radio-talk-show-money-riches-wealth) - Rick will be a featured guest at 4:00 p.m. MDT/6:00 p.m. EDT on Wednesday, May 14, on the "Money, Riches & Wealth" radio talk show. Hosted by Drew Tignanelli, CFP®, and Timothy Maurer, CFP®, the show features weekly guest speakers and discussion on various personal finance topics. Drew and Tim are President and Director of
- [Rick in Top 15 Investment News to Follow](https://kahlerfinancial.com/financial-awakenings/in-the-news/rick-among-top-15-financial-tweeters) - Fee-only financial planner Rick Kahler on Investment News list of top 15 advisers for financial advisers to follow on Twitter
- [Retiring Today Takes Focus and a Plan](https://kahlerfinancial.com/financial-awakenings/in-the-news/retiring-today-takes-focus-and-a-good-planner) - Fee only financial planner Rick Kahler tells New York Times reporter Tara Siegel Bernard that folks retireing today need to "sit down and get conscious."
- [Credit Unions on SD Bank Franchise Tax](https://kahlerfinancial.com/financial-awakenings/in-the-news/response-from-credit-unions-to-column-on-sd-bank-franchise-tax) - My recent column on South Dakota's bank franchise tax drew a response from credit union representatives. Not surprisingly, they don't agree with my suggestion that banks and credit unions would compete on a more level playing field if they operated under the same tax rules. Currently, credit unions don't pay either the state franchise tax
- [Advice for Getting Back Into The Market](https://kahlerfinancial.com/financial-awakenings/in-the-news/post-getting-back-into-the-market-some-advice-from-one-kfg-client) - What if you are skeptical of investing in a shaky economy? You may want to take some advice from Jerry Boyer.
- [Real Estate Belong In Your Portfolio?](https://kahlerfinancial.com/financial-awakenings/in-the-news/post-does-real-estate-belong-in-your-portfolio-dave-and-rick-kahler-on-kotas-free-advice-program) - Does real estate belong in your portfolio? Dave and Rick Kahler discuss on KOTA's "Free Advice" program. Visit our website to learn more.
- [Onsite Healing Money Issues Workshop](https://kahlerfinancial.com/financial-awakenings/in-the-news/onsites-healing-money-issues-program-on-abcs-good-morning-america) - Kahler Financial Group share information on ABC's Good Morning America feature on The Onsite Healing Money Issues Workshop. Visit our website to learn more.
- [First Advisor From SD Accepted Into NAPFA](https://kahlerfinancial.com/financial-awakenings/in-the-news/kfg-becomes-first-advisor-from-sd-accepted-into-industry-leading-association) - Rick Kahler has become the first advisor from South Dakota accepted into the National Association of Personal Financial Advisors (NAPFA).
- [Rick, A Consulting Producer with the BBC](https://kahlerfinancial.com/financial-awakenings/in-the-news/is-this-reality-my-role-as-a-consulting-producer-with-the-british-broadcasting-corporation-bbc) - The British Broadcasting Corporation (BBC) is looking for my help in finding and casting five successful entrepreneurs for a major network series.
- [How To Cut Your Kids’ Expenses](https://kahlerfinancial.com/financial-awakenings/in-the-news/how-to-cut-your-kids-expenses-kiok-fm-interview-with-rick) - Americans are saving the most money since 1993. Cutting your child-rearing expenses was the topic of a recent interview Rick did with KIOK-FM's Brad Anderson.
- [Less Money Anxiety with Financial Therapy](https://kahlerfinancial.com/financial-awakenings/in-the-news/high-anxiety-2) - Too often our emotions can get in the way of our financial decisions. Although someone may have worked to create the perfect financial plan, if none of the recommendations are implemented, the time and effort were ill-spent. Matt Greco recently wrote an article for the Financial Advisor Magazine discussing the Financial Therapy Association (FTA), a
- [FTA Elects Sarah Swantner to Board](https://kahlerfinancial.com/financial-awakenings/in-the-news/financial-therapy-association-elects-sarah-swantner-to-board) - We are very pleased to announce that Sarah Swantner was recently elected to a three-year term on the Board of Directors of the Financial Therapy Association.
- [Forbes; Financial Planners Need Advisors](https://kahlerfinancial.com/financial-awakenings/in-the-news/financial-planners-can-learn-from-their-mistakes-and-so-can-their-clients) - Fee-only financial planner Rick Kahler cited by Tim Maurer in Forbes on value of planners getting financial advice from own planners
- [Helping Baby-Boomers Plan for Retirement](https://kahlerfinancial.com/financial-awakenings/in-the-news/especially-for-baby-boomers-rick-featured-in-investment-advisor-magazine) - In the March issue of Investment Advisor, Rick and co-author Ted Klontz are quoted in an article titled "The Age of Enlightenment." The article, written by well-known coach and author Olivia Mellan, focuses on ways financial advisors can most effectively help baby boomers prepare for retirement. It offers some interesting insights for non-professionals, as well.
- [Assess Healthcare Law's Financial Impact](https://kahlerfinancial.com/financial-awakenings/in-the-news/dallas-morning-news-act-now-to-limit-health-care-laws-effects-on-finances) - Personal finance journalist, Pamela Yip, writes that now is a good time to assess the impact of the health care bill on your personal finances.
- [Couples Aren't Talking About Money](https://kahlerfinancial.com/financial-awakenings/in-the-news/couples-need-to-be-on-the-same-financial-page) - Kahler Financial discuss why couples aren't talking about money and how to get them on the same financial page. Visit our website for more information.
- [Catch Rick on “Dakota MidDay” at 89.3 FM](https://kahlerfinancial.com/financial-awakenings/in-the-news/catch-rick-on-dakota-midday-at-893-fm-on-monday-dec-15th) - Kahler Financial remind you to catch Rick on "Dakota MidDay" at 89.3 FM on Monday, Dec 15th. Visit our website for more information.
- [Bloomberg Lists KFG As A Top Firm in US](https://kahlerfinancial.com/financial-awakenings/in-the-news/bloomberg-lists-kfg-largest-financial-planner-in-7-state-area) - I recently came across a quote from award-winning writer Robert Silverberg that pretty much summed up how I wanted to open this article: “My temperament is not inclined toward more self-promotion than is absolutely necessary for my professional well-being.” Those of you who know me well, know that I let life keep my ego in
- [Better Listening, Better Financial Advice](https://kahlerfinancial.com/financial-awakenings/in-the-news/better-listening-by-financial-planners-means-better-advice) - Fee-only financial planner Rick Kahler cited by Tim Maurer in Forbes
- [Healing Money Issues Workshop](https://kahlerfinancial.com/financial-awakenings/in-the-news/abcs-2020-to-feature-healing-money-issues-workshop-attend-and-save-50) - Kahler Financial review ABC's 20/20 feature on the Healing Money Issues Workshop. Visit our website for more information.
- [Any Bank Can Fail; Why There's No Need To Panic](https://kahlerfinancial.com/financial-awakenings/asset-protection/any-bank-can-fail-why-theres-no-need-to-panic) - Fee-only financial planner and therapist Rick Kahler: How FDIC protection of bank accounts works and why you don't need to panic over bank failures
- [Barbara Soderlin Takes Over @BHBizBlog](https://kahlerfinancial.com/financial-awakenings/in-the-news/barbara-soderlin-takes-over-the-black-hills-business-blog) - I recently had coffee with the Rapid City Journal's new business reporter, Barbara Soderlin. You can follow Barbara on Twitter at @BHbizblog.
- [ABC Site Features Q&A On Money Issues](https://kahlerfinancial.com/financial-awakenings/in-the-news/abc-site-features-qa-on-money-issues) - ABC, money, disorders, financial, Onsite, therapy, south dakota, rapid city, cfp, saving, spending, rick kahler, klontz
- [Money Rehab Offers Hope for Americans](https://kahlerfinancial.com/financial-awakenings/in-the-news/abc-news-money-rehab-offers-hope-for-some-financially-troubled-americans) - Here is another story on the ABC 20/20 segment that is to air Friday, July 31st, on the financial therapy workshop Money Rehab Rick co-facilitates
- [Technology Key to SD's Financial Success](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/you-live-where) - Fee-only financial planner Rick Kahler: Use technology, skills to build successful business and financial independence in South Dakota
- [Why Some Ignore Good Financial Advice](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/why-some-ignore-good-financial-advice) - Financial Planner Rick Kahler answers the question, "Why do some investors ignore advice to their own detriment?"
- [Why Our Beliefs About Money Are Important](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/why-our-beliefs-about-money-are-so-important) - Tim Maurer column in Forbes cites Financial Wisdom of Ebenezer Scrooge, co-authored by fee-only financial planner Rick Kahler
- [Who Made That Olympic Medal Happen?](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/who-made-that-happen) - Fee-only financial planner Rick Kahler: Telling business owners "Somebody else made that happen" is like telling Olympic medalists their wins don't count
- [NFL Players Rarely Score With Money](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/when-it-comes-to-money-most-nfl-players-rarely-score-touchdowns) - Fee only financial planner, Rick Kahler, says for every story about NFL greats earning millions after their careers, there is a dark story from the flip side.
- [Financial Plan For Health Not Just Wealth](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/well-being-more-than-being-wealthy) - Fee-only financial planner Rick Kahler says goal of financial planning is well-being, not just managing money or building wealth
- [Save First and Don't Borrow](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/weather-tough-times-with-your-own-silver-lining) - Fee-only financial planner Rick Kahler's advice from the recession: build wealth through saving and don't borrow for consumer expenses
- [Don't Throw Money Away](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/waste-not-want-not) - Fee-Only Financial Planner Rick Kahler's Advice on Ways Not to Waste Money on Investments, Taxes, Impulse Buying, Big-Ticket Purchases, and Education
- [Top Ten Beliefs Behind Poor Money Choices](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/top-ten-beliefs-behind-poor-money-choices) - ee-Only Financial Planner Rick Kahler list the top ten unconscious beliefs, or money scripts, that lead to poor money decisions
- [Guidelines for Lending to Family Members](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/tight-credit-at-the-first-family-bank) - Financial Planner Rick Kahler lists ten points to consider before lending money to family members or friends.
- [Risks of Doing Business With Family](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/the-risks-of-being-in-business-with-family) - Fee-only financial planner Rick Kahler: Business investing and family a risky mix. Reduce risk with clear communication, research, outside financial advice
- [Rick's Co-authored Book Now in Romania](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/the-financial-wisdom-of-ebenezer-scrooge-now-in-romania) - The Financial Wisdom of Ebenezer Scrooge, a book I co-authored, has made it to Romania. At least that's what I am making of a Google Alert I received yesterday.
- [Balance Frugality and Cozy Retirement](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/the-evils-of-underspending) - Fee-only financial planner Rick Kahler: Use investment income for comfortable retirement; underspending on life essentials takes frugality too far
- [Successful Habits of Habitat for Humanity](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/successful-habits-of-habitat-for-humanity) - The success habits of Habitat for Humanity are based on tough love, standards, community volunteers and support, and buyer's investment.
- [Tips to Stay on Road to Financial Freedom](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/staying-on-the-road-to-financial-independence) - Fee-only financial planner Rick Kahler: More than financial advice needed to achieve success: focus on future, expect setbacks, see progress in small steps
- [Survive Fiscal Cliff with Diversification](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/staying-calm-at-the-edge-of-the-fiscal-cliff) - Fee-only financial planner Rick Kahler: Fiscal cliff market ups and downs no cause for panic, best response from globally diversified investors to do nothing
- [When to Call Couples Financial Therapist](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/signs-that-its-time-to-call-a-couples-financial-therapist) - Fee-only financial planner and financial therapist Rick Kahler: Signs it's time for help from a couples financial therapist for partners' money issues
- [Rewire Your Brain, Save for Retirement](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/scaring-your-brain-into-saving-for-retirement) - Fee-only financial planner Rick Kahler cites Mitchel and Utkus Pension Design and Structure on why we should rewire our brains into saving for retirement
- [How to Save for the Future on a Budget](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/saving-for-the-future-when-you-cant-afford-to-save) - Fee-only financial planner Rick Kahler's advice on how to save and invest for the future on a minimum wage budget
- [Santa Claus's Money Scripts](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/santas-money-scripts) - Fee-only financial planner Rick Kahler: For more balanced holiday giving, find out whether you share some of Santa Claus's money scripts
- [Rapid City Journal Removes My Column](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/read-ricks-columns-at-kfg-blog-no-longer-in-rapid-city-journal) - The Rapid City Journal, owned by Lee Enterprises decided to eliminate its Sunday Business section, where my column appeared.
- [Why Financial Planners Need Planners](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/practicing-the-financial-planning-we-preach) - Fee-only financial planner Rick Kahler on Why Financial Planners Believe In Do-It-Yourself Financial Planning and Why It's a Bad Idea
- [Investing and The Psychology of Risk](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/perception-reality-and-the-psychology-of-risk) - Fee-only financial planner Rick Kahler: Use both left and right brain to overcome emotional perceptions and make rational financial decisions
- [Build A Financial Shield Against Disaster](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/non-financial-planning-to-prepare-for-financial-hardships) - Fee-only financial planner Rick Kahler's advice: Prepare for financial calamity with advisor team, career skills, college planning, strong family relationships
- [New Credit Card Rules for Parents](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/new-credit-card-rules-for-young-adults-and-parents) - Fee-only financial planner Rick Kahler says new credit card rules mean parents should be careful about co-signing for college students
- [Financial Advice For Elderly Parents](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/mom-may-i-have-the-checkbook) - Fee-only financial planner Rick Kahler: Help elderly parents manage money with respect; get power of attorney, give advice without bullying,
- [Economic Lessons We Can Learn From Greece](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/lessons-from-greece) - Fee-only financial planner Rick Kahler's advice that Americans should learn economic lessons from Greece
- [Financial Planning for Financial Freedom](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/is-your-dentist-wealthy-affluent-or-financially-independent) - Fee-Only Financial Planner Rick Kahler says a goal of integrated financial planning is building sufficient wealth for financial independence
- [Money Scripts Drive Holiday Spending](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/holiday-money-scripts) - Do You Overspend on the Holidays? Are You a Christmas Scrooge? Fee-Only Financial Planner Rick Kahler Says the Cause May Be Your Money Scripts
- [Frugality Syndrome: Saving To Spending](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/frugality-syndrome-making-the-shift-from-saving-to-spending) - Frugality Syndrome can keep you from enjoying retirement; get help with the transition from saving to retirement spending.
- [Financial Therapy with Couples](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/financial-therapy-for-couples-what-is-it-and-who-needs-it) - Fee-only financial planner Rick Kahler and Dave Jetson are interviewed on their work in financial therapy with couples by Kathleen Burns Kingsbury.
- [Give Kids Financial Hand Up, Not Handout](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/financial-hand-up-not-handout-for-adult-children) - Fee-only financial planner Rick Kahler's advice on financial help for adult children: ways to give them a hand up, not a handout
- [Fix Economy By Facing Short-Term Pain](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/false-protection-from-short-term-pain) - Fee-only financial planner Rick Kahler says long-term economic recovery means facing short-term pain of ending personal and national deficit spending
- [Rich Means High Income or High Net Worth?](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/defining-rich) - Fee-only financial planner Rick Kahler: What is Rich? High Net Worth Defines Wealth; Taxing the Rich Means Taxing High-Income Earners
- [Couple's Financial Therapy Workshop](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/couples-financial-therapy-workshop-debuts) - Financial planner Rick Kahler is excited that tonight is the debut of the first couples financial therapy workshop in the nation.
- [Counting Money as Measure of Success](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/counting-your-money) - Fee-only financial planner Rick Kahler: Celebrate counting money; it's a measure of success, not Obama's view of greed or self-indulgence of "the rich"
- [Buy Experiences Instead of Stuff](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/buy-experiences-instead-of-stuff) - Kahler Financial advise on why you should buy experiences, not stuff. Visit Kahler Financial's website for more information.
- [Building A Financial Support System](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/build-your-own-support-system-for-financial-advice) - Fee-only financial planner Rick Kahler's tips on building a support network for personal financial advice and healthy money relationships.
- [Are You Potentially Born or Future Rich?](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/are-you-potentially-rich) - Fee-only financial planner Rick Kahler: Defining wealthy as potential rich, future rich, should be rich, or financially independent.
- [9 Ways To Improve Your Financial Health](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/a-prescription-for-financial-health) - Fee-only Financial Planner Rick Kahler Prescribes a Frugal Approach to Building Wealth and Long-term Financial Security
- [Declare Your Financial Independence](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/a-personal-declaration-of-financial-independence) - Fee-only financial planner Rick Kahler's advice: celebrate July 4 and build financial security with your personal Declaration of Financial Independence
- [Financial Therapy Helps Money Emotions](https://kahlerfinancial.com/financial-awakenings/financial-coaching-therapy/investment-news-financial-therapy-fills-the-gap-between-money-and-emotions) - Most clients have complicated relationships with their finances, according to Rick Kahler, founder of Kahler Financial Group. Click here to watch the video.
- [Financial Therapy With Dave Jetson](https://kahlerfinancial.com/financial-awakenings/financial-coaching-therapy/financial-therapy-with-dave-jetson-recommended-on-daily-helpline) - Dave Jetson’s work in financial therapy is highlighted in one of the segments, on a show called the Daily Helpline. View the segments here.
- [Financial Therapy Gains More Recognition](https://kahlerfinancial.com/financial-awakenings/financial-coaching-therapy/financial-therapy-continues-to-gain-recognition) - Financial therapy is where therapists and financial planners partner to deliver a more integrated approach to solving financial problems for consumers.
- [15W Course: Facilitating Financial Health](https://kahlerfinancial.com/financial-awakenings/financial-coaching-therapy/15-week-course-facilitating-financial-health-in-yourself-or-others) - Kahler Financial offers a 15 week course on facilitating financial health in yourself or others. For more information, visit our website.
- [Abundance & Prosperity Summit 2019](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/youre-invited-unlock-your-money-mindset-transforming-your-relationship-with-abundance-prosperity-summit-2019) - Join 10+ experts (including me) for tools, tips, insights, wisdom, and support for helping you tap into the abundance and prosperity waiting for you...
- [Your Portfolio After Election Night](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/your-portfolio-and-the-presidential-election) - Fee-only financial planner Rick Kahler: Your portfolio and the presidential election.
- [Not Rich? Hire a Financial Planner](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/why-you-should-hire-a-financial-planner-even-if-youre-not-rich) - Here’s a story from the NYTimes that I thought our readers would find interesting: (click the link below to read the article).
- [Rough Market, How Financial Planners Help](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/what-financial-planners-do-for-you-amid-this-market-turbulence) - Fee-only financial planner Rick Kahler: What do financial planners do for you amid the market turbulence?
- [Join Abundance & Prosperity Summit 2019](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/unlock-your-money-mindset-transforming-your-relationship-with-abundance-prosperity-summit-2019-youre-invited) - We’ll be helping you go from being stuck to more abundance and prosperity in two weeks! To find out more and claim your ticket to the online event; click here.
- [The Mental Health Impact Of COVID In SD](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/sdpbs-south-dakota-focus-the-mental-health-impact-of-covid-19-in-sd) - South Dakota Fee-only financial planner Rick Kahler: The mental helath impact of COVID-19 in South Dakota.
- [Saving for Future Is An Energy Store](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/saving-for-the-future-is-storing-energy-for-later) - Fee-only financial planner Rick Kahler: Saving for the future is storing energy for later...
- [Financial Therapy Series On SDPB Radio](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/rick-discusses-financial-therapy-on-sdpb-radio-at-1125-am-mt-today) - Rick will be discussing “The Dirty Dozen” on SDPB, which are ways that you don’t want to use when it comes to helping friends, family, and loved ones to change.
- [Most CFP's Are Brokers & That's A Problem](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/most-cfps-are-brokers-fiduciary-advocates-say-thats-a-problem) - Recently Rick was asked for input on the controversial topic of CFPs being brokers. To Read the Entire Article, Click the Link Below:
- [Market Crisis Webinar - Register Now](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/last-day-to-register-a-veterans-view-of-the-market-crisis-webinar-with-rick-kahler) - Join Rick for a Fireside Chat, “A Veterans View of the Current Market Crash” at 12:00 pm ET/ 10:00 am MST, Wednesday, April 8th.
- [KOTA-TV: Holiday Spending “Hangover”](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/kota-tv-financial-stability-after-your-post-holiday-spending-hangover) - Check out Rick’s two cents about holiday spending “hangovers” in the KOTA TV news story below.
- [A Veteran’s View of the Market Crisis](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/join-us-a-veterans-view-of-the-market-crisis-webinar-with-rick-kahler) - Join Rick for a Fireside Chat, “A Veterans View of the Current Market Crash” at 12:00 pm ET/ 10:00 am MST, Wednesday, April 8th, 2020. Thank you for attending.
- [Giving That Benefits Giver and Recipient](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/giving-that-benefits-both-recipient-and-giver) - Fee-only financial planner Rick Kahler:: Giving the benefits both the recipient and giver
- [Marcia Kahler in The Glass Menagerie](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/final-weekend-to-see-marcia-kahler-in-the-glass-menagerie) - This is the last weekend to see Marcia Kahler (Rick’s wife) perform the lead in Tennessee Williams’ epic play, The Glass Menagerie.
- [Interest Rate Hike Mildy Affect Consumers](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/federal-interest-rate-hike-wont-drastically-affect-consumers) - You can see the KNBN story on the Federal Interest Rate Hike featuring Rick Kahler that aired last night by clicking on the link below.
- [How To Cope With COVID Financial Stress](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/coping-with-emotional-stress-of-pandemic-financial-stress) - Fee-only financial planner Rick Kahler: Coping with emotional stress of pandemic financial stress
- [BHCT: “Book of Days” feat. Marcia Kahler](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/black-hills-community-theatre-presents-book-of-days-featuring-marcia-kahler) - The Black Hills Community Theatre presents the second mainstage show of its 52nd season, the drama Book of Days by Lanford Wilson.
- [How To Get Out Of A Money Rut](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/stuck-in-a-money-rut-heres-advice-on-getting-out) - About one-third of Americans do money well. They understand how to save more, spend less, and make wise financial choices. That leaves two-thirds that don't.
- [New Rules to Prevent Misuse of CFP®](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/new-rules-to-prevent-misuse-of-cfp-designation-have-unintended-consequences) - Fee-only financial planner Rick Kahler: Misuse of CFP® designation leads to new rules with unintended consequences for ethical planners who act as fiduciaries
- [Fee-Only vs Fee-Based Financial Planners?](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/is-there-any-real-difference-in-fee-only-or-fee-based-financial-planners) - Kahler Financial reviews if there is any real difference in fee-only or fee-based financial planners. Visit our website for more information.
- [No New Oversight for Financial Planners](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/government-to-financial-planners-you-are-not-a-profession) - Kahler Financial shares information on the response of government to financial planners - you are not a profession. Visit our website for more information.
- [The Annual Financial Checkup](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/financial-advice-from-south-dakota-financial-planner-rick-kahler-on-the-annual-financial-check-up) - Financial advice on why your doctor isn't the only professional you should see for an annual checkup. You need to be visiting with your financial planner.
- [Your Estate Plan If You Don't Die Broke?](https://kahlerfinancial.com/financial-awakenings/estate-planning/whats-the-backup-plan-if-you-dont-die-broke) - Fee-only financial planner Rick Kahler: Die Brokers' backup plan to leave inheritance to kids may be based on money script, "good parents leave money to kids"
- [Wait Before Doing Any Estate Planning](https://kahlerfinancial.com/financial-awakenings/estate-planning/wait-before-doing-any-estate-planning) - In an interview with Linda Koco, Rick Kahler advised that people who are contemplating some estate planning wait a few weeks.
- [Trusts; No Panacea To Keep Family Wealth](https://kahlerfinancial.com/financial-awakenings/estate-planning/trusts-no-panacea-to-retaining-family-wealth) - Fee-only financial planner Rick Kahler: Well-designed trusts for estate planning: consider costs, taxes, transfer of assets, and need for expert advice
- [Tips on Insuring Your Collections](https://kahlerfinancial.com/financial-awakenings/estate-planning/tips-on-insuring-and-distributing-your-collections) - Fee-only financial planner Rick Kahler and Mary Pilon from The Wall Street Journal discuss the many tax issues that could arise when settling estates.
- [Review The Bill Before You Pay: Good Advice That's Hard To Follow](https://kahlerfinancial.com/financial-awakenings/money-psychology/review-the-bill-before-you-pay-good-advice-thats-hard-to-follow) - Fee-only financial planner and therapist Rick Kahler: Reasons why we don't review a bill for hidden fees before we pay
- [South Daktoa Trusts Get Even Better](https://kahlerfinancial.com/financial-awakenings/estate-planning/sd-trusts-become-even-better) - Estate attorneys can now publish a notice to creditors and shorten the claims period in living trust administrations without having to first file probate.
- [Article: Best Assets to Leave to Heirs](https://kahlerfinancial.com/financial-awakenings/estate-planning/rick-cited-in-wall-street-journal-on-best-assets-to-leave-to-heirs) - When you plan the best strategies for withdrawing money to fund your retirement, one factor to consider is which types of assets are best to leave to heirs.
- [Outliving Your Need for Life Insurance](https://kahlerfinancial.com/financial-awakenings/estate-planning/outliving-your-need-for-life-insurance) - Fee-only financial planner Rick Kahler: Primary purpose of life insurance to replace income, not build wealth; you may outlive need for life insurance
- [Only Two Money Choices: Spend or Give](https://kahlerfinancial.com/financial-awakenings/estate-planning/only-two-real-money-choices-spend-or-give) - Fee-only financial planner Rick Kahler: Spending or giving away are the only two ultimate money options, and always be our choice
- [Tax Consequences of New Proposed Budget](https://kahlerfinancial.com/financial-awakenings/estate-planning/more-tax-consequences-of-presidents-proposed-budget) - Fee-only financial planner Rick Kahler: Tax changes in president's proposed budget target step-up in basis rule, 1031 exchanges, S corp dividends.
- [How to Avoid Estate Planning Mistakes](https://kahlerfinancial.com/financial-awakenings/estate-planning/look-at-money-scripts-to-avoid-whitney-houston-estate-planning-mistakes) - Fee-only financial planner Rick Kahler: Flawed estate planning like Whitney Houston's will due to poor financial advice, money scripts about financial success
- [Estate Questions Parents Don't Answer](https://kahlerfinancial.com/financial-awakenings/estate-planning/inheritance-questions-parents-are-afraid-to-answer) - Fee-only financial planner Rick Kahler: What parents need to tell kids about estate plans and inheritances and why they are afraid to talk about their money
- [Estate Questions Kids Don't Ask](https://kahlerfinancial.com/financial-awakenings/estate-planning/inheritance-questions-kids-are-afraid-to-ask) - Fee-only financial planner Rick Kahler: What kids want to know about parents' estate plans and inheritances and why they are afraid to ask
- [Having Enough Money for Retirement](https://kahlerfinancial.com/financial-awakenings/estate-planning/having-enough-money-for-retirement) - Fee-Only Financial Planner Rick Kahler Tells You How to Determine How Much Money You'll Need To Have Enough for Retirement
- [Funeral Insurance Rarely a Good Buy](https://kahlerfinancial.com/financial-awakenings/estate-planning/funeral-insurance-rarely-a-good-buy) - Fee-only financial planner Rick Kahler: Prepaid funeral insurance a poor value; cover burial costs with a TOD account instead
- [Trust's for Children With Special Needs](https://kahlerfinancial.com/financial-awakenings/estate-planning/estate-planning-for-adult-children-with-special-needs) - Fee-only financial planner Rick Kahler: Provide for a special needs child with trust using a corporate trustee, family or agency advocate, or fiduciary planner.
- [Equal Inheritances Not Always Fair](https://kahlerfinancial.com/financial-awakenings/estate-planning/equal-inheritances-not-always-fair) - Fair estate plan adjusts for unequal financial benefits to children; college funds, gifts, loans, and care of elderly parents.
- [Retire While Your Kids Are in College?](https://kahlerfinancial.com/financial-awakenings/estate-planning/can-you-retire-while-your-kids-are-still-in-college) - One of the biggest concerns is the college/retirement overlap when parents are ready to retire at the same time the kids are ready for college.
- [A Gift More Precious Than Money](https://kahlerfinancial.com/financial-awakenings/estate-planning/a-gift-more-precious-than-money) - Here is some advice on the benefits of using video as a way to leave a living legacy to your loved ones that is more precious than money.
- [Paying Off Your Home Isn't For Everyone](https://kahlerfinancial.com/financial-awakenings/conscious-cash-flow/paying-off-your-mortgage-isnt-for-everyone) - Fee-only financial planner Rick Kahler says not every homeowner should pay down their mortgage early. Kiplinger's Personal Finance Magazine explains why.
- [Here Are 8 Ways To Get a Business Loan](https://kahlerfinancial.com/financial-awakenings/conscious-cash-flow/need-a-business-loan-here-are-8-ways-to-get-one) - Many entrepreneurs are finding that stricter underwriting guidelines make it nearly impossible to get a business loan today. Here are eight ways to obtain one.
- [CD's Aren't About Return](https://kahlerfinancial.com/financial-awakenings/conscious-cash-flow/cds-arent-about-return) - Financial advisor Rick Kahler says CD's have a place in most portfolios, but they are more about insurance than return. To learn go to http://srph.it/9OpF3o
- [How Much Money Secrecy Equals Financial Infidelity?](https://kahlerfinancial.com/financial-awakenings/money-psychology/how-much-money-secrecy-equals-financial-infidelity) - Fee-only financial planner and therapist Rick Kahler: Financial infidelity; the harm for couples when partners keep destructive money secrets
- [SD, Making Lemonade out of a Lemon](https://kahlerfinancial.com/financial-awakenings/asset-protection/south-dakota-making-lemonade-out-of-a-lemon) - South Dakota Financial Planner and asset protection specialist, Rick Kahler, says if you have wealth, get serious about good asset protection planning.
- [Money Scripts and Asset Protection Plans](https://kahlerfinancial.com/financial-awakenings/asset-protection/protecting-your-assets-from-your-own-money-scripts) - Fee-only financial planner Rick Kahler: Don't let money scripts stop asset protection strategies like trusts and LLCs against frivolous lawsuits or judgments.
- [Protect Financial Resources From Yourself](https://kahlerfinancial.com/financial-awakenings/asset-protection/plan-to-protect-financial-resources-from-yourself) - Fee-only financial planner Rick Kahler: Protect financial resources from yourself with contingency planning for possible incapacity, and mental decline.
- [Preparing for the Fiscal Cliff](https://kahlerfinancial.com/financial-awakenings/asset-protection/packing-your-parachute-for-the-fiscal-cliff) - Fee-only financial planner Rick Kahler: tax and asset protection planning for fiscal cliff: take profits and dividends in 2012, prepare for more regulation.
- [The Emotional Costs of Embezzlement](https://kahlerfinancial.com/financial-awakenings/asset-protection/embezzlement-has-high-financial-emotional-costs) - Fee-only financial planner Rick Kahler: Costs of embezzlement include financial loss, emotional impact, damage to reputation
- [Best Scenic Sites for Asset Protection](https://kahlerfinancial.com/financial-awakenings/asset-protection/best-scenic-sites-for-asset-protection) - Fee-only financial planner Rick Kahler's asset protection advice: Alaska, South Dakota, and the Cook Islands are the best jurisdictions for LLCs.
- [Your County May Offer Free Real Estate Title Monitoring](https://kahlerfinancial.com/financial-awakenings/asset-protection/your-county-may-offer-free-real-estate-title-monitoring) - Fee-only financial planner and therapist Rick Kahler: Home title fraud insurance is a scam; many counties offer free title monitoring to taxpayers
- [Lost or Damaged Luggage? File a Claim.](https://kahlerfinancial.com/financial-awakenings/weekly-column/lost-or-damaged-luggage-file-a-claim) - Fee-only financial planner Rick Kahler: File claim with airline for lost or damaged luggage compensation; don't leave money on the baggage carousel
- [Investing, Done Correctly, Has Risks But Is Not Gambling](https://kahlerfinancial.com/financial-awakenings/money-psychology/investing-done-correctly-has-risks-but-is-not-gambling) - Fee-only financial planner and therapist Rick Kahler: Investing in stock market, unlike speculating, is not gambling when done correctly
- [Do Rent Controls Really Help Tenants?](https://kahlerfinancial.com/financial-awakenings/weekly-column/do-rent-controls-really-help-tenants) - Fee-only financial planner and therapist Rick Kahler: Rent controls may benefit tenants in the short term, harm both landlords and renters over long term
- [Ask For Transparency, Not Just Honesty, From Financial Advisors](https://kahlerfinancial.com/financial-awakenings/asset-protection/ask-for-transparency-not-just-honesty-from-financial-advisors) - Fee-only financial planner and therapist Rick Kahler: Ask for transparency, not just honesty, before engaging a financial advisor
- [Identity Theft Is No Laughing Matter](https://kahlerfinancial.com/financial-awakenings/asset-protection/identity-theft-is-no-laughing-matter) - Fee-only financial planner and therapist Rick Kahler: Identity theft costs victims time and money; protect yourself from scammers
- [Congratulations on 60 Years!](https://kahlerfinancial.com/financial-awakenings/weekly-column/congratulations-on-60-years) - Kahler Financial Group wish the Kahler parents a very happy 60th anniversary. Congratulations! Visit our website to read more.
- [Stricter IRS Reporting Rules For Payment Apps](https://kahlerfinancial.com/financial-awakenings/tax-planning/stricter-irs-reporting-rules-for-payment-apps) - Fee-only financial planner and therapist Rick Kahler: Stricter IRS reporting rules for income from online payment apps like PayPal and Venmo
- [Creating a Plan for Long-Term Care](https://kahlerfinancial.com/financial-awakenings/insurance/creating-a-plan-for-long-term-care) - Fee-only financial planner and therapist Rick Kahler: Cost, longevity, resources, family support are factors in creating your own long-term care plan for aging
- [Will Your Retirement Resources Cover Long-Term Care?](https://kahlerfinancial.com/financial-awakenings/insurance/will-your-retirement-resources-cover-long-term-care) - Fee-only financial planner and therapist Rick Kahler: Long-term care is expensive. So is LTC insurance, which is not an option for many Americans
- [Financial New Year's Resolutions: Bah, Humbug!](https://kahlerfinancial.com/financial-awakenings/money-psychology/financial-new-years-resolutions-bah-humbug) - Fee-only financial planner and therapist Rick Kahler: Why New Year's resolutions so often fail to bring lasting changes in financial behavior
- [UK Spending Cuts An Example To US?](https://kahlerfinancial.com/financial-awakenings/conscious-cash-flow/uk-spending-cuts-an-example-to-us) - No individual, company, or government can borrow to spend in excess of their income without eventually paying the piper - not even the United States.
- [It's a Good Year to Celebrate Like Scrooge](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/its-a-good-year-to-celebrate-like-scrooge) - Fee-only financial planner and therapist Rick Kahler: In current economy, why not celebrate holidays like Ebenezer Scrooge; it's not about excess spending
- [How To Enjoy More Conscious Giving](https://kahlerfinancial.com/financial-awakenings/money-psychology/how-to-enjoy-more-conscious-giving) - Fee-only financial planner and therapist Rick Kahler: Will your gift help or hinder? Answer these questions to give more consciously
- [Guard Against Scams When You Give](https://kahlerfinancial.com/financial-awakenings/money-psychology/guard-against-scams-when-you-give) - Fee-only financial planner and therapist Rick Kahler: Ways to give that help protect against scams that take advantage of your generosity
- [Do You Need To Know Your Financial Planner's Net Worth?](https://kahlerfinancial.com/financial-awakenings/weekly-column/do-you-need-to-know-your-financial-planners-net-worth) - Fee-only financial planner and therapist Rick Kahler: Advisor's net worth no indicator of their knowledge, skill, or trustworthiness; ask broader questions
- [Lost Your Job? How Can Your Financial Planner Help?](https://kahlerfinancial.com/financial-awakenings/weekly-column/lost-your-job-how-can-your-financial-planner-help) - Fee-only financial planner and therapist Rick Kahler: Lost your job? What you need from your financial planner? Are they ready to support you?
- [Money Scripts 2.0: How They Form](https://kahlerfinancial.com/financial-awakenings/money-psychology/money-scripts-2-0-how-they-form) - Fee-only financial planner and therapist Rick Kahler: Money scripts formed with good intentions by protective inner parts of ourselves
- [Can You Election-Proof Your Retirement Portfolio?](https://kahlerfinancial.com/financial-awakenings/money-psychology/can-you-election-proof-your-retirement-portfolio) - Fee-only financial planner and therapist Rick Kahler: No need to panic over possible impact of elections on investment portfolios
- [Aligning Values And Investing Easier Said Than Done](https://kahlerfinancial.com/financial-awakenings/weekly-column/aligning-values-and-investing-easier-said-than-done) - Fee-only financial planner and therapist Rick Kahler: ESG investing based on your values is a worthy goal but complicated to put into practice
- [August 2nd-A day that will live in infamy?](https://kahlerfinancial.com/financial-awakenings/the-economy/august-2nd-a-day-that-will-live-in-infamy) - For months politicians have threatened to not raise the debt ceiling, but not many people thought it would get this far. In just under 3 weeks, the US will hit the “debt ceiling,“ which is our country's borrowing limit. Both Republicans and President Obama want to reduce the deficit as part of raising the debt ceiling. How they
- [Sound Financial Decisions Rely on Balanced Media Diet](https://kahlerfinancial.com/financial-awakenings/media/sound-financial-decisions-rely-on-balanced-media-diet) - Fee-only financial planner and therapist Rick Kahler: We make most money decisions emotionally, so it matters to have factual, non-biased media information
- [Are My Investments At TD Ameritrade Safe?](https://kahlerfinancial.com/financial-awakenings/in-the-news/are-my-investments-at-td-ameritrade-safe) - With the giants of the financial services industry disappearing, you might be wondering how safe your investments at TD Ameritrade are.
- [Alison a Presenter at Insider's Forum Conference](https://kahlerfinancial.com/financial-awakenings/in-the-news/alisons-presentation-at-insiders-forum-conference) - lison Scherr, COO of Kahler Financial Group, was featured on a panel at the 2017 Insider’s Forum conference this September in Nashville, TN.
- [A Nice Way To Start The Day](https://kahlerfinancial.com/financial-awakenings/in-the-news/a-nice-way-to-start-the-day) - To start the day, I was pleasantly surprised to read that Bob Veres featured my recent speech to the FPA Retreat on “Who’s Planning For The Planner.”
- [20/20 Segment Will Not Air This Friday](https://kahlerfinancial.com/financial-awakenings/in-the-news/2020-segment-will-not-air-this-friday) - Due to President Obama’s Thursday news conference, a shift in programs has resulted in the story of the HMI workshop on 20/20 being bumped.
- [When Lending Becomes a Family Affair](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/when-lending-becomes-a-family-affair) - I spoke with New York Times reporter Jennifer Saranow Schultz about the pros and cons of parents lending money to adult children. Read the article here.
- [What's For Dinner? More Than Turkey.](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/whats-for-dinner-more-than-turkey) - Maybe enjoying Christmas dinner with your family should happen daily, rather than once a year. You can read more in the column I wrote for Quizzlewire here.
- [Ways to Save Money and Not Feel Deprived](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/ways-to-save-money-and-not-feel-deprived-post) - Cathy Curtis’s article “10 Ways to Save Money and Not Feel Deprived” is an excellent read on ways to save money. Here are her 10 recommendations:
- [True Happiness: Married, Middle Class, No Kids](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/true-happiness-good-marriage-middle-class-income-no-kids) - There is a great posting of a speech given by Christopher Munsey about happiness. Here are three tidbits from the posting I found interesting:
- [Nine Dumb Things People Do With Their Money](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/nine-dumb-things-people-do-with-their-money) - Kathy Kristoff’s column on MoneyWatch.com is one of the more comprehensive treatments of an otherwise ubiquitous topic. Click here to read.
- [Help Financially Empower Young Women in India](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/help-financially-empower-young-women-in-india) - Partha’s vision is to expand his Life & Money workshops to empower young women across semi-rural and rural districts in India.
- [Are Financial Planners All Talk and No Walk?](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/are-financial-planners-all-talk-and-no-walk) - You can read my original research or a recent post I wrote on the need for financial planners to have their own financial planners.
- [April Financial Therapy Workshop Opened To Couples](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/april-financial-therapy-workshop-opened-to-couples) - This will be the only financial therapy workshop I offer in 2011, so I highly recommend you attend. You can learn more and register here.
- [Tis the Health Care Renewal Season](https://kahlerfinancial.com/financial-awakenings/health/tis-the-health-care-renewal-season) - You and I can’t control the rising costs of health care. But by opening and investing with an HSA, we can be smart about how we pay for that care.
- [What Is Financial Therapy? - It takes two to tango](https://kahlerfinancial.com/financial-awakenings/financial-coaching-therapy/one-therapists-definition-of-financial-therapy) - The purpose of financial therapy is to help the client recognize these underlying feelings in a natural way and create positive change.
- [What's new at Kahler Financial Group?](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/whats-new-at-kahler-financial-group) - We are excited to announce the launch of our new Kahler Financial Group website. We encourage you to come and see what it is all about.
- [Understanding Why Money Affects Your Emotional Health](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/understanding-why-money-affects-your-emotional-health) - Identify where your values/integrity part ways with your financial behavior. Take control of your emotional health and teach your loved ones!
- [Rick to Present on Enabling Adult Children](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/rick-to-present-on-enabling-adult-children) - Rick Kahler will give a presentation Friday on “Difficult Client Conversations Around Enabling Adult Children.”
- [No Tricks This Time; Scary Crew Two](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/no-tricks-this-time-scary-crew-two) - The KFG team had our quarterly strategic planning meeting on Halloween this year, so we had a number of unusual visitors...
- [New Member of KFG Team, Nikolas Boyce](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/new-member-of-kfg-team-nikolas-boyce) - Nikolas Boyce joined Kahler Financial Group in March 2014 as our Financial Planning and Investment Analyst Associate.
- [More Financial Therapy Classes Offered](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/more-financial-therapy-classes-offered) - Meet weekly with financial planners Rick Kahler (MSFP, CFP, ChFC, CFT-I) or Sarah Swantner (CFP, CMHC, NCC, MS) to learn about financial therapy.
- [Money Wellness - Moving Toward Happiness](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/money-wellness-moving-toward-happiness) - Discover tools to have happiness and a productive relationship with money in a one-on-one session with Sarah Swantner, MS, CFP.
- [Money Magazine Author Names "Scrooge" to Best Books List](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/money-magazine-author-names-scrooge-to-best-books-list) - We are honored to announce that the book Rick co-authored “The Financial Wisdom of Ebenezer Scrooge” was atop the list!
- [Congratulations to Nikolas Boyce, CFP](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/congratulations-to-nikolas-boyce-cfp) - Nikolas Boyce, a financial planning associate and investment analyst with KFG, has earned the Certified Financial Planner (CFP)® designation.
- [Catch Rick on "Your Money" today](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/catch-rick-on-your-money-today) - Rick will be a guest today on “Your Money” at 3:15 pm, MDT, Sirius XM 111 Business.
- [Attend a Live Presentation of Anxiety-Free Investing](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/attend-a-live-presentation-of-anxiety-free-investing) - Learn more about the basics of successful investing from a successful pro with 35 years of experience.
- [106 Things We Do For Clients, No. 89](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/106-things-we-do-for-clients-no-89) - No. 89: We can help save you time with an estate planning attorney and ensure that the estate plan meets all of your needs.
- [106 Things We Do For Clients, No. 87](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/106-things-we-do-for-clients-no-87) - No. 87: Few things can destroy wealth-building faster than high-interest-rate debt used to acquire non-income-producing assets, goods, and services.
- [106 Things We Do For Clients, No. 86](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/106-things-we-do-for-clients-no-86) - No. 86: We will identify areas of overspending and call those to your attention early on to help you change courses quickly.
- [106 Things We Do For Clients, No. 6](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/106-things-we-do-for-clients-no-6) - No. 6: A financial advisor will help you gather all this information in one place, organize it, and electronically file it.
- [106 Things We Do For Clients, No. 5](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/106-things-we-do-for-clients-no-5) - No. 5: A good financial advisor will always be two steps ahead of you, pointing out hidden complications and opportunities.
- [106 Things We Do For Clients, No. 4](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/106-things-we-do-for-clients-no-4) - No. 4: You want a financial advisor who can help you cut through the noise and get a clear picture of exactly where you are financially and emotionally.
- [106 Things We Do For Clients, No. 3](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/106-things-we-do-for-clients-no-3) - No. 3: When you interview a financial advisor, pay close attention to who is doing the talking.
- [106 Things We Do For Clients, No. 1](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/106-things-we-do-for-clients-no-1) - No. 1: In listing answers to that question, we came up with 106 specific things. Here is the first one.
- [What Financial Planner Has A Planner? (A Smart One)](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/what-financial-planner-has-a-planner-a-smart-one) - I’ve long been a proponent of financial planners having their own financial planner. I have a financial planner for many reasons.
- [Rick and Sarah Sharpen Skills at Estes Park Retreat](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/rick-and-sarah-sharpen-skills-at-estes-park-retreat) - Rick and Sarah just returned from the annual Nazrudin Project Retreat, held in blustery Estes Park.
- [Planning Perspectives Newsletter](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/planning-perspectives-newsletter) - The National Association of Personal Financial Planners distributes a bi-monthly newsletter for consumers. Obtain a copy of the newsletter here.
- [Picking an Outstanding Financial Planner](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/picking-an-outstanding-financial-planner) - Liz Davidson and Susan Bradley suggest you follow some simple steps to assure that you don’t end up with a salesperson masquerading as a financial planner.
- [Considering Becoming a KFG Client?](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/considering-becoming-a-kfg-client) - If you are contemplating hiring a fee-only financial planner, give us a call or drop us an email to schedule a free KFG consultation.
- [Article in Financial Planning on CFP Designation Issue](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/article-in-financial-planning-on-cfp-designation-issue) - Read Ann Marsh's article dated July 31 in Financial Planning magazine, titled “CFP Board Backs Off Threat to Investigate Planner Rick Kahler” here.
- [106 Things We Do For Clients, No. 94](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-94) - No. 94: Become a steward for the financial success of you and your family and to develop a special bond that extends beyond the fee-for-service relationship
- [106 Things We Do For Clients, No. 9](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-9) - No. 9: A financial planner can help you determine which of your goals are affordable, which are costly, and how the costly goals can be made less so
- [106 Things We Do For Clients, No. 84](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-84) - No. 84: Keep you on track to accomplish your most important goals and let you know when modification is needed.
- [106 Things We Do For Clients, No. 83](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-83) - No. 83: Facilitate the transfer of investments from individual names to a trust, or from a trust or retirement plan to beneficiaries.
- [106 Things We Do For Clients, No. 8](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-8) - No. 8: A financial planner can help you prioritize, helping you knock off those A and B priorities that often never see the light of day.
- [106 Things We Do For Clients, No. 7](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-7) - No. 7: One of the benefits of a financial advisor is having a facilitated process to help you take the time to set written goals.
- [106 Things We Do For Clients, No. 66](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-66) - No. 66: One of the best ways to increase your ability to build wealth is to reduce your taxes.
- [106 Things We Do For Clients, No. 61](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-61) - No. 61: We have 40 years of experience in helping our clients apply effective asset protection strategies so they can sleep well at nigh
- [106 Things We Do For Clients, No. 60](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-60) - No. 60: We know where the minefields are and can help you steer clear of them and help tailor the deal to one that works best for you.
- [106 Things We Do For Clients, No. 59](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-59) - No. 59: We have routinely helped clients receive three times the original offer from the city, state, or federal government.
- [106 Things We Do For Clients, No. 58](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-58) - No. 58: The bottom line is that we understand real estate and business valuations as well as, or better than, the usual financial planning firm.
- [106 Things We Do For Clients, No. 57](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-57) - No. 57: Help you interview and select a competent real estate professional that will have a high probability of selecting just the right fit for your needs.
- [106 Things We Do For Clients, No. 56](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-56) - No. 56: Help you complete a 721 tax-deferred exchange into an umbrella partnership real estate investment trust (UPREIT).
- [106 Things We Do For Clients, No. 55](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-55) - No. 55: We understand the complexities of 1031 exchanges and can help you dot the “i’s” and cross the “t’s” so it doesn't unintentionally become taxable.
- [106 Things We Do For Clients, No. 54](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-54) - No. 54: We can help you determine whether refinancing is in your best interest or will end up actually costing you money.
- [106 Things We Do For Clients, No. 53](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-53) - No. 53: Evaluate your existing returns on your real estate investments. One of our specialties is real estate, which is unusual for a financial planner.
- [106 Things We Do For Clients, No. 52](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-52) - No. 52: With 45 years of real estate experience, we understand even the most complex real estate investments.
- [106 Things We Do For Clients, No. 51](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-51) - No. 51: You can rest easy, knowing that our best thinking is continually being implemented in your investment portfolio.
- [106 Things We Do For Clients, No. 50](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-50) - No. 50: We can help you reduce the potential impact of falling markets by integrating your risk tolerance, time frame, and goals.
- [106 Things We Do For Clients, No. 49](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-49) - No. 49: We help you reduce mutual fund and ETF managerial and transaction expenses, allowing you to keep more of your money growing for you.
- [106 Things We Do For Clients, No. 48](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-48) - No. 48: We use our 35 years of experience to sort through all the options to find the right mix of the best cost-effective securities for each asset class.
- [106 Things We Do For Clients, No. 47](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-47) - No. 47: Trust your future to an investment advisor who has the experience to see you through every market turn.
- [106 Things We Do For Clients, No. 46](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-46) - No. 46: Help you make the most of your 401(k) or other retirement plans. One size does not fit all, and the wrong fit could be disastrous.
- [106 Things We Do For Clients, No. 45](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-45) - No. 45: Provide access to low-cost institutional mutual fund shares that can amount to thousands of dollars of savings over the life of your investments.
- [106 Things We Do For Clients, No. 44](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-44) - No. 44: Show you how to access your statements and other information online and never wait for a report to be snail mailed or emailed to you.
- [106 Things We Do For Clients, No. 43](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-43) - No. 43: Provide you with alternative investment options without giving up much upside gain and significantly minimizing volatility.
- [106 Things We Do For Clients, No. 42](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-42) - No. 42: An investment advisor will consolidate and simplify your investments while reducing costs as well as diversifying and reducing your risk.
- [106 Things We Do For Clients, No. 41](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-41) - No. 41: Determine the risk level of your existing portfolio. Risk tolerance can be a delicate balance between emotions and financial reality.
- [106 Things We Do For Clients, No. 40](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-40) - No. 40: Provide you with personal investment analysis and how to apply all that information to your personal financial situation and goals.
- [106 Things We Do For Clients, No. 38](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-38) - No. 38: We will help find the cost basis on all your investments, so when it comes time to sell you know the exact amount of any capital gains tax you owe.
- [106 Things We Do For Clients, No. 37](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-37) - No. 37: Help facilitate the holding and warehousing of mutual funds, stocks, bonds, and other securities.
- [106 Things We Do For Clients, No. 36](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-36) - No. 36: Help handle exchanges, tenders, and special stock dividends. Each of these events carries its own set of decisions and nuances.
- [106 Things We Do For Clients, No. 35](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-35) - No. 35: Help you evaluate the differences in risk levels between various fixed-income investments such as government bonds and corporate bonds.
- [106 Things We Do For Clients, No. 34](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-34) - No. 34: This is one of those functions of retiring that most of us think is a simple task until we are faced with figuring out the logistics.
- [106 Things We Do For Clients, No. 33](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-33) - No. 33: Owning a mutual fund is somewhat like owning a car—they both need some maintenance to ensure the best performance.
- [106 Things We Do For Clients, No. 32](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-32) - No. 32: According to three studies, an investment advisor can improve your investment performance by 1% to 6%.
- [106 Things We Do For Clients, No. 31](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-31) - No. 31: Guide you through difficult periods in the stock market by sharing a historical perspective.
- [106 Things We Do For Clients, No. 30](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-30) - No. 30: Review and revise portfolios as conditions change. Smart investing is never a “set it and forget it” proposition.
- [106 Things We Do For Clients, No. 29](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-29) - No. 29: You might be thinking, “what can possibly go wrong with an IRA?” Yet some common mistakes can literally defeat much of the benefits.
- [106 Things We Do For Clients, No. 28](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-28) - No. 28: We will research the investment options specific to your 401(k) or 403(b) and recommend those that fit best with your goals.
- [106 Things We Do For Clients, No. 27](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-27) - No. 27: invest the time and effort to painstakingly analyze your existing annuities and similar deferred accounts.
- [106 Things We Do For Clients, No. 26](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-26) - No. 26: Monitor your investments. Leaving these items unattended could cost you much more than the cost of an investment advisor.
- [106 Things We Do For Clients, No. 23](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-23) - No. 23: Prepare an asset allocation for you so you can achieve the best probability of not outliving your money.
- [106 Things We Do For Clients, No. 25](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-25) - No. 25: We help you live life doing what you want to do, rather than being glued to your computer monitor and reading a plethora of financial newsletters.
- [106 Things We Do For Clients, No. 22](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-22) - No. 22: Partner with you to accomplish the things you know you ought to do but don’t feel like doing.
- [106 Things We Do For Clients, No. 21](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-21) - No. 21 of 106 Things We Do For Clients Help you determine your IRA Required Minimum Distributions. Figuring out your RMD's can seem like an easy, straightforward calculation until you start cozying up with all the regulations and options. Not all RMD's must be taken by December 31, the factor used in the calculation changes every
- [106 Things We Do For Clients, No. 20](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-20) - No. 20: Review your children’s custodial accounts and 529 education savings plan and guide you toward what most sense for your child.
- [106 Things We Do For Clients, No. 19](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-19) - No. 19: A financial planner can save you time and money by educating you and preparing the initial design of an estate plan.
- [106 Things We Do For Clients, No. 18](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-18) - No. 18: Address how much retirement income you can take from your investments without running out of money during your lifetime.
- [106 Things We Do For Clients, No. 17](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-17) - No. 17: Perform detailed analysis and recommend when to start taking Social Security benefits.
- [106 Things We Do For Clients, No. 16](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-16) - No. 16: Assist you in devising a plan to protect your assets from being depleted by a judgment resulting from a frivolous lawsuit.
- [106 Things We Do For Clients, No. 15](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-15) - No. 15: Which is the best retirement plan for you? We have the expertise to analyze the best options for you and to put them in place.
- [106 Things We Do For Clients, No. 14](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-14) - No. 14: Review and recommend life and other insurance policies to protect your family.
- [106 Things We Do For Clients, No. 13](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-13) - No.13: Helping you find creative solutions to your financial challenges is one of the things that gets us out of bed in the morning.
- [Mental Health and COVID-19 -SDPB Special](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/mental-health-and-covid-19-sdpb-special) - An excerpt from: South Dakota Focus, Mental Health and COVID-19 by South Dakota Public Broadcasting. Aired: 04/09/20 | Rating: NR
- [Managing Financial Trauma with Sarah Swantner](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/managing-financial-trauma-with-sarah-swantner) - Kahler Financial’s Sarah Swantner wrote a guest blog post for the Dakotas Conference of The United Methodist Church about managing financial trauma.
- [106 Things We Do For Clients, No. 12](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-12) - No. 12: For non-clients, I also teach a community education course on how to do your own investing.
- [KOTA-TV - SD Democratic Party Debt Woes](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/kota-tv-sd-democratic-party-debt-woes) - Click below to hear Rick’s two cents after being approached by KOTA-TV for comment about the South Dakota Democratic Party's negative balances.
- [KFG Offices: The Bulls-Eye of a Cone Zone](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/kfg-offices-the-bulls-eye-of-a-cone-zone) - Here’s the secret: for approximately the next month the ONLY way to access the KFG offices is via Mt Rushmore Road to Fulton. See the map below.
- [Just In Time for Christmas, a (Teddy) Bear](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/just-in-time-for-christmas-a-teddy-bear-2) - After years of patient predicting, the long-anticipated bear market is here, and just in time for Christmas.
- [It Takes Two: A Look at Conjoint Financial Therapy](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/it-takes-two-a-look-at-conjoint-financial-therapy) - Rick Kahler, CFP®, and Dave Jetson, LPC-MH, MS, QMHP are pioneers in the emerging field of financial therapy, blending therapy with financial planning.
- [Finding Us Just Got a Little Easier](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/finding-us-just-got-a-little-easier) - For approximately the next month, finding us and accessing our office via Mt Rushmore Road to Fulton is the only way.
- [Financial Therapy Workshop Offering](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/financial-therapy-workshop-offering) - Meet weekly live online with financial planners Rick Kahler (CFP, ChFC) or Sarah Swantner (CFP, CMHC) in financial therapy workshops.
- [Financial Therapy Classes](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/financial-therapy-classes) - Join Rick and Sarah in financial therapy classes at a discounted rate offered through Community Education of the Black Hills.
- [Earn an Extra 25% on Your Charitable Giving to SDPBS](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/earn-an-extra-25-on-your-charitable-giving-to-sdpbs) - There’s a chance to make your gift to South Dakota Public Broadcasting increase by 25%.
- [106 Things We Do For Clients, No. 11](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-11) - No. 11: We will give you the pros and cons of each solution and help you arrive at the answer that is best for you.
- [106 Things We Do For Clients, No. 104](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-104) - No: 104: Protect you from emotion-driven behavior that can reduce your market returns.
- [106 Things We Do For Clients, No. 101](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-101) - No. 101: Help protect you against irrationally optimistic expectations during bull market run-ups.
- [106 Things We Do For Clients, No. 100](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-100) - No. 100: Putting your best interests first and serving you with transparency and objectivity.
- [106 Things We Do For Clients, No. 10](https://kahlerfinancial.com/financial-awakenings/fee-only-financial-planner/106-things-we-do-for-clients-no-10) - No. 10: Working with you to find workable solutions to your financial obstacles is one of a financial planner’s specialties.
- [Talking with Kids About Values](https://kahlerfinancial.com/financial-awakenings/estate-planning/talking-with-kids-about-values-2) - Have you expressed your values and wishes for your estate to your kids recently or ever? Now may be a good time to consider bringing up the topic.
- [Survivor Planning for Couples a Difficult Topic](https://kahlerfinancial.com/financial-awakenings/estate-planning/survivor-planning-for-couples-a-difficult-topic) - For most couples, it’s a fact of life that one spouse will outlive the other, yet it is difficult to plan around. Read about survivor planning here.
- [Win a Scholarship](https://kahlerfinancial.com/financial-awakenings/conscious-cash-flow/win-a-scholarship) - Your teen might win a $1,000 scholarship by acing 35 questions in a money-knowledge test from the U.S. Treasury Department.
- [Weddings cost how much?](https://kahlerfinancial.com/financial-awakenings/conscious-cash-flow/weddings-cost-how-much) - Society has ingrained into us the money script that weddings must be perfect, and in order to achieve that perfection, you must spend tons of money.
- [Using A Debit Card?  Say "Credit"](https://kahlerfinancial.com/financial-awakenings/conscious-cash-flow/using-a-debit-card-say-credit) - The only time a debit cardholder needs to enter a PIN number is at the ATM machine when you are needing cash back.
- [The Two Minute Financial Checkup](https://kahlerfinancial.com/financial-awakenings/conscious-cash-flow/the-two-minute-financial-checkup) - One financial checkup tip from Rick Kahler, CFP, is to get an online cash flow program like Mint.com and become aware of what you are spending.
- [Please, Go Ahead and Spend It](https://kahlerfinancial.com/financial-awakenings/conscious-cash-flow/please-go-ahead-and-spend-it) - The money you’ve saved for your retirement is yours. It’s there to provide for you.
- [Outrage Over No Social Security Increase](https://kahlerfinancial.com/financial-awakenings/conscious-cash-flow/outrage-over-no-social-security-increase) - The Social Security Administration just released the fact there will be no increase in Social Secubenefits next year
- [A Dependable Retirement Paycheck](https://kahlerfinancial.com/financial-awakenings/conscious-cash-flow/a-dependable-retirement-paycheck) - A balanced portfolio can provide both dependable retirement income and long-term financial security.
- [S-Corp Conversions, Stock Sales, and 1099's](https://kahlerfinancial.com/financial-awakenings/business-owners/s-corp-conversions-stock-sales-and-1099s) - If you own a C-corp and struggle to keep your profits under $75,000 a year, you may want to consider converting to an S-corp.
- [Protecting Your Assets When Insurance Doesn't](https://kahlerfinancial.com/financial-awakenings/asset-protection/protecting-your-assets-when-insurance-doesnt) - Liability insurance sometimes isn't enough. Register now to learn from Rick, on methods to protect your assets.
- [Biased Media Diet Can Harm Your Financial Health](https://kahlerfinancial.com/financial-awakenings/media/biased-media-diet-can-harm-your-financial-health) - Fee-only financial planner and therapist Rick Kahler: For more balanced money decisions, assess the slant of your media sites and identify confirmation bias
- [Stock Market Predictions--Experts Don't Know, Either](https://kahlerfinancial.com/financial-awakenings/weekly-column/stock-market-predictions-experts-dont-know-either) - Fee-only financial planner Rick Kahler: Stock Market Predictions--in the short term, financial experts often wrong in forecasting market trends
- [Financial Consigliere Can Help Resolve Money Issues](https://kahlerfinancial.com/financial-awakenings/money-psychology/financial-consigliere-can-help-resolve-money-issues) - Fee-only financial planner Rick Kahler: Financial therapists, advisers help uncover painful money truths; wealthy can face emotional money challenges
- [Dave Ramsey, How Could You?](https://kahlerfinancial.com/financial-awakenings/weekly-column/dave-ramsey-how-could-you) - https://www.youtube.com/watch?v=TSevduEzSDQ&t=10s Dave Ramsey, a well-known talk show host, is brilliant when it comes to managing spending, debt, and real estate. I recommend his books in my books and frequently hand out his DVD’s on budgeting and cash flow management. Dave Ramsey has numerous shows and 10 podcasts and has been committed to helping people with
- [Couples With Income Inequality, Part 2](https://kahlerfinancial.com/financial-awakenings/asset-protection/couples-with-income-inequality-part-2) - Fee-only financial planner and therapist Rick Kahler: For financially unequal couples, emotional dynamics matter more than money
- [When Couples Are Not Financial Equals](https://kahlerfinancial.com/financial-awakenings/money-psychology/when-couples-are-not-financial-equals) - Fee-only financial planner and therapist Rick Kahler: Financial inequality adds stress for couples. Find out more about financial inequality and what it means.
- [Debt-Free Education a Head Start for Success](https://kahlerfinancial.com/financial-awakenings/weekly-column/debt-free-education-a-head-start-for-success) - Fee-only financial planner Rick Kahler: Debt-free college education is a head start for career success and an investment in yourself
- [Recovery From Financial Trauma](https://kahlerfinancial.com/financial-awakenings/money-psychology/recovery-from-financial-trauma) - #post_contentFee-only financial planner Rick Kahler: Financial therapy is useful in healing financial trauma, financial PTSD, often from childhood experiences
- [Real Estate Buyers Are Liars--Or Not](https://kahlerfinancial.com/financial-awakenings/money-psychology/real-estate-buyers-are-liars-or-not) - Fee-only financial planner and therapist Rick Kahler: Why do so many home buyers choose houses that don't match what they say they want?
- [Your retirement fund: Smart ways to withdraw](https://kahlerfinancial.com/financial-awakenings/news-room-media/your-retirement-fund-smart-ways-to-withdraw) - Withdrawing at the wrong time can create serious tax consequences. Read the story from USA Today with Rick Kahler, owner of Kahler Financial Group.
- [Women & Investing](https://kahlerfinancial.com/financial-awakenings/news-room-media/women-investing) - Aditi Kothari talks about women and investing in conversation with Rick Kahler
- [What The Unemployment Figures Don't Tell You](https://kahlerfinancial.com/financial-awakenings/news-room-media/what-the-unemployment-figures-dont-tell-you) - Kahler Financial shares information on what the unemployment figures don't tell you. Visit our website for more information.
- [The New CFP Book on the Psychology of Financial Planning - Advisor Perspectives Podcast](https://kahlerfinancial.com/financial-awakenings/news-room-media/the-new-cfp-book-on-the-psychology-of-financial-planning-advisor-perspectives-podcast) - The New CFP Book on the Psychology of Financial Planning featuring Rick Kahler and David Yeske - Listen to the podcast on Gaining Perspective
- [The Holacracy Constitution](https://kahlerfinancial.com/financial-awakenings/news-room-media/the-holacracy-constitution) - Kahler Financial shares information on The Colacracy Constitution. Visit our website to read more today.
- [Should you pay off that mortgage before retirement?](https://kahlerfinancial.com/financial-awakenings/news-room-media/should-you-pay-off-that-mortgage-before-retirement) - Kahler Financial shares information on if you should pay off your mortgage before retirement. Visit our website for more information.
- [Real estate advice for couple with two homes](https://kahlerfinancial.com/financial-awakenings/news-room-media/real-estate-advice-for-couple-with-two-homes) - Merging money and real estate later in life can be complicated. Read the advice that Rick Kahler suggests for this couple.
- [Prediction! What Lies Ahead for 2021 - Guest Rick Kahler](https://kahlerfinancial.com/financial-awakenings/news-room-media/prediction-what-lies-ahead-for-2021-guest-rick-kahler) - Investment advice and wealth management strategies to help build wealth and asset protection strategies to help preserve it.
- [Marriage finance 101: DIY prenup basics](https://kahlerfinancial.com/financial-awakenings/news-room-media/marriage-finance-101-diy-prenup-basics) - Here's a quick quiz on money and marriage. Which of the following engaged couples needs a prenuptial agreement about finances?
- [Manage risk, and investor quirks, decade by decade](https://kahlerfinancial.com/financial-awakenings/news-room-media/manage-risk-and-investor-quirks-decade-by-decade) - Kahler Financial shares how to manage risk, and investor quirks, decade by decade. Visit our website for more information.
- [Love your work = success](https://kahlerfinancial.com/financial-awakenings/news-room-media/love-your-work-success) - Does financial and personal success go hand-in-hand with doing work that you love?
- [July FOCUS with BlackHILLS Fox](https://kahlerfinancial.com/financial-awakenings/news-room-media/july-focus-with-blackhills-fox) - Focus--July 2014. Financial planning with Jack Caudill, Rick Kahler, Jeff Wangen and Terry Mills
- ['I'm Always Worrying': The Emotional Toll of Financial Stress](https://kahlerfinancial.com/financial-awakenings/news-room-media/im-always-worrying-the-emotional-toll-of-financial-stress) - Check out this news article from The New York Times entitled: 'I'm Always Worried': The Emotional Toll of Financial Stress. Rick Kahler shares his advice.
- [How To Prepare For Retirement](https://kahlerfinancial.com/financial-awakenings/news-room-media/how-to-prepare-for-retirement) - Kahler Financial shares tips on how to prepare for retirement. Visit our website for more information.
- [How To Deal With Biden Tax Hikes](https://kahlerfinancial.com/financial-awakenings/news-room-media/how-to-deal-with-biden-tax-hikes) - Kahler Financial shares information on how to deal with Biden tax hikes. Visit our website for more information.
- [How To Avoid Getting Hosed On Credit Card Points](https://kahlerfinancial.com/financial-awakenings/news-room-media/how-to-avoid-getting-hosed-on-credit-card-points) - Kahler Financial shares how to avoid getting hosed on credit card points. Visit our website for more information.
- [How Paying Taxes Affects Your Brain](https://kahlerfinancial.com/financial-awakenings/news-room-media/how-paying-taxes-affects-your-brain) - Kahler Financial shares how paying taxes affects your brain. Visit our website for more information.
- [How Much Does It Take To Be Rich?](https://kahlerfinancial.com/financial-awakenings/news-room-media/how-much-does-it-take-to-be-rich) - Kahler Financial shares what it takes to be rich. Visit our website for more information.
- [CFP Wants to Extend Fiduciary Duty](https://kahlerfinancial.com/financial-awakenings/news-room-media/cfp-wants-to-extend-fiduciary-duty) - Kahler Financial shares information on CFP wanting to extend fiduciary duty. Visit our website for more information.
- [How Couples Can Handle Money Squabbles](https://kahlerfinancial.com/financial-awakenings/in-the-news/how-couples-can-handle-money-squabbles) - Kahler Financial Group shares information on how couples can handle money squabbles. Visit our website for more information.
- [Will A Senior Living Facility Cost Your Kids An Inheritance?](https://kahlerfinancial.com/financial-awakenings/estate-planning/will-senior-living-facility-cost-your-kids-an-inheritance) - Fee-only financial planner Rick Kahler: Retirement community living or leaving your kids an inheritance-can you have both? Will senior living cost too much?
- [Preparing for the Reality of Sudden Wealth](https://kahlerfinancial.com/financial-awakenings/weekly-column/preparing-for-the-reality-of-sudden-wealth) - What would you do if you won the lottery? Many of us at one time or another have daydreamed about what we would do with a big sum of money. For most of us, the daydream usually doesn’t last long. Reality comes knocking, and we’re off to wipe a toddler’s runny nose, paint the deck,
- [Entrepreneurial Mindset Can Hinder Wealth Building](https://kahlerfinancial.com/financial-awakenings/weekly-column/entrepreneurial-mindset-can-hinder-wealth-building) - Fee-only financial planner Rick Kahler: Entrepreneurial mindset of risktaking, perseverance, self-confidence can hinder wise diversified investing
- [Charging What Your Services Are Worth](https://kahlerfinancial.com/financial-awakenings/money-psychology/charging-what-your-services-are-worth) - Fee-only financial planner and therapist Rick Kahler: The value of paying and charging fair market rates for services. Find out what your services are worth.
- [Reduce Your Risk For Life-Shattering Financial Crisis](https://kahlerfinancial.com/financial-awakenings/money-psychology/reduce-your-risk-for-life-shattering-financial-crisis) - Fee-only financial planner and therapist Rick Kahler: Financial literacy, emotional intelligence, therapy can help reduce risk for financial crisis
- [Financial Crisis and the Risk of Suicide](https://kahlerfinancial.com/financial-awakenings/money-psychology/financial-crisis-and-the-risk-of-suicide) - Fee-only financial planner and therapist Rick Kahler: Financial stress is a significant contributor to higher risk of impulsive suicide
- [BYOB? Don't Join This Party.](https://kahlerfinancial.com/financial-awakenings/insurance/byob-dont-join-this-party) - Investment advice from fee-only financial planner Rick Kahler: avoid BYOB. Be Your Own Banker is close to a scam, benefits insurance company, not buyers
- [Deflating National Debt Through Inflation](https://kahlerfinancial.com/financial-awakenings/weekly-column/deflating-national-debt-through-inflation) - Fee-only financial planner Rick Kahler: governments avoid deflation because slow inflation is a tool to reduce national debt
- [Are Unequal Inheritances Fair?](https://kahlerfinancial.com/financial-awakenings/estate-planning/are-unequal-inheritances-fair) - Fee-only financial planner and therapist Rick Kahler: In estate planning, fairness can sometimes mean treating heirs unequally
- [What Is True About Money](https://kahlerfinancial.com/financial-awakenings/money-psychology/what-is-true-about-money) - Fee-only financial planner and therapist Rick Kahler: truisms about money's essential elements, apart from our money beliefs and emotions
- [Vow of Poverty Money Scripts](https://kahlerfinancial.com/financial-awakenings/money-psychology/vow-of-poverty-money-scripts) - Fee-only financial planner and therapist Rick Kahler: Unconscious vow of poverty money scripts can drive money decisions that keep you poor.
- [Trying to Avoid Pain With Financial Denial](https://kahlerfinancial.com/financial-awakenings/money-psychology/trying-to-avoid-pain-with-financial-denial) - Fee-only financial planner and therapist Rick Kahler: financial denial, meant to avoid emotional pain, can bring short-term relief but lasting harm
- [Is There a Dark Side to Cryptocurrency?](https://kahlerfinancial.com/financial-awakenings/money-psychology/is-there-a-dark-side-to-cryptocurrency) - Fee-only financial planner and therapist Rick Kahler: The Darker personality types that may be associated with cryptocurrency speculation.
- [My State Flunked Financial Literacy. How About Yours?](https://kahlerfinancial.com/financial-awakenings/money-psychology/my-state-flunked-financial-literacy-how-about-yours) - Fee-Only Financial Planner and Therapist Rick Kahler: In survey of financial literacy by states, South Dakota ranked 49. How did your state do?
- [Single Parents Deserve a Hall of Fame](https://kahlerfinancial.com/financial-awakenings/healthy-money-relationships/single-parents-deserve-a-hall-of-fame) - Fee-only financial planner and therapist Rick Kahler: Single parents face financial, emotional challenges as breadwinners and caregivers trying to do it all
- [Should You Be Afraid of a Bear Market?](https://kahlerfinancial.com/financial-awakenings/money-psychology/should-you-be-afraid-of-a-bear-market) - Fee-only financial planner and therapist Rick Kahler: Bear market anxiety is real; ease fears with diversified portfolio that includes cash reserve
- [When "Financial Planning" Is Not Financial Planning](https://kahlerfinancial.com/financial-awakenings/insurance/when-financial-planning-is-not-financial-planning) - Fee-only financial planner and therapist Rick Kahler: A company's ads for financial planning don't guarantee it does financial planning
- [House Passes Estate Tax Bill](https://kahlerfinancial.com/financial-awakenings/weekly-column/house-passes-estate-tax-bill) - The House of Representatives just passed a bill that will make permanent the death tax at 45% and leave the exemption level at the current $3.5 million. The bill now goes to the Senate. You can read more about it here.
- [Worse Likely Still Ahead for the Economy](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/worse-likely-still-ahead-for-the-economy) - Fee-only financial planner Rick Kahler: Worse likely still ahead for the economy
- [How to Compare Living Costs and Benefits](https://kahlerfinancial.com/financial-awakenings/money-psychology/how-to-compare-living-costs-and-benefits) - Fee-only financial planner Rick Kahler: How to compare costs of living and benefits of various areas, both emotional and financial
- [Snowflakes, Money Scripts, and the Cost of Living](https://kahlerfinancial.com/financial-awakenings/money-psychology/snowflakes-money-scripts-and-the-cost-of-living) - Fee-only financial planner Rick Kahler: Cost of living varies widely with location; perceived value in lifestyles can be money script
- [CFP Board-Revised Proposed Standards Discussion Webinar](https://kahlerfinancial.com/financial-awakenings/financial-awakenings-2/cfp-board-revised-proposed-standards-discussion-webinar) - The CFP Board’s revised proposed standards are under review and expected to be put out this next quarter. They include a strong statement describing fiduciary duties of loyalty and care. This is good. The problem, however, is a strong statement is not enough to reliably deliver fiduciary conduct. Though major shortcomings persist, they can be fixed. These shortcomings, why they exist and how they can be remedied will be discussed.
- [Just Say No To The Next Big Thing](https://kahlerfinancial.com/financial-awakenings/weekly-column/just-say-no-to-the-next-big-thing) - Fee-only Financial Planner Rick Kahler: Just say no to next big thing; such investment prospects not worth time, money to research
- [Find Your Comfortable Risk Tolerance](https://kahlerfinancial.com/financial-awakenings/weekly-column/find-your-comfortable-risk-tolerance) - Fee-only financial planner Rick Kahler: Assess your investment risk tolerance with online surveys, tweak asset allocation before stock market crash
- [Safeguarding Your Data After Equifax Hack](https://kahlerfinancial.com/financial-awakenings/asset-protection/safeguarding-your-data-after-equifax-hack) - Fee-only financial planner Rick Kahler: Safeguard your data, protect against identity theft after Equifax computer breach
- [Financial Planning Value By the Numbers](https://kahlerfinancial.com/financial-awakenings/weekly-column/financial-planning-value-by-the-numbers) - Fee-only financial planner Rick Kahler: Investment value of rebalancing, reducing behavioral mistakes, investment management, tax planning, financial planning
- [Financial Adviser Designations Do Matter](https://kahlerfinancial.com/financial-awakenings/weekly-column/financial-adviser-designations-do-matter) - Fee-only financial planner Rick Kahler: Higher quality financial advice linked to adviser designations like CFP, ChFC, and CFA, Camarda research shows
- [Hidden Costs of Financial Product Sales](https://kahlerfinancial.com/financial-awakenings/weekly-column/hidden-costs-of-financial-product-sales) - Fee-only financial planner Rick Kahler: Hidden costs, conflicts of interest are expensive for buyers of financial products
- [Most Overlooked Tax Deductions](https://kahlerfinancial.com/financial-awakenings/tax-planning/most-overlooked-tax-deductions) - Will you leave money on the table when you do your 2016 taxes? It's very possible you will. Rick did an interview with KOTA Territory's Scott Gross yesterday on some of the most overlooked tax deductions that taxpayers often miss, according to Kiplinger. You can read the interview with Rick here. The new year will
- [Rick's Mentor George Kinder Profiled in Investment News](https://kahlerfinancial.com/financial-awakenings/in-the-news/ricks-mentor-george-kinder-profiled-in-investment-news) - George Kinder, whose groundbreaking work on the influence of emotions in managing money has caused him to be called the "father of life planning," was recently profiled in the "Icons and Innovators" section of Investment News. Rick, who counts George Kinder among his most important mentors, was pleased to be quoted in the article. You
- [Is Life Insurance Worthwhile?](https://kahlerfinancial.com/financial-awakenings/in-the-news/is-life-insurance-worthwhile) - Yes, life insurance is important—if you buy the right kind for the right reasons. An article at ValueWalk offers insights from a group of financial advisers that are worth reading before you make decisions about life insurance. Rick is one of the experts quoted in the piece, "Is Life Insurance Worth It? 21 Experts Weigh
- [Income Inequality for Couples](https://kahlerfinancial.com/financial-awakenings/in-the-news/income-inequality-for-couples) - If one spouse earns significantly more than the other, it's important for both to understand that their value to the partnership is not measured merely by their financial contribution. This is part of Rick's advice cited in a December 20 "Ask Brianna" column from NerdWallet. The piece, by Brianna McGurran, is titled "How can couples
- [Planning, Funds Essential To Avoid Nursing Home Stays](https://kahlerfinancial.com/financial-awakenings/health/planning-funds-essential-to-avoid-nursing-home-stays) - Fee-only financial planner Rick Kahler: Old age care plan and finances are essential to increase options for end of life care and avoid nursing homes
- [Real Estate Has a Place in a Diversified Retirement Portfolio](https://kahlerfinancial.com/financial-awakenings/weekly-column/real-estate-has-a-place-in-a-diversified-retirement-portfolio) - Fee-only financial planner Rick Kahler: Real estate fits in a diversified retirement portfolio; publicly traded REITs a good ownership option
- [Inheritance No Retirement Plan](https://kahlerfinancial.com/financial-awakenings/estate-planning/inheritance-no-retirement-plan) - Fee-only financial planner Rick Kahler: Don't plan on inheritance for retirement; HSBC survey shows only half of US parents plan to leave money to kids
- [It's Not How Much You Earn; It's How Much You Control](https://kahlerfinancial.com/financial-awakenings/weekly-column/its-not-how-much-you-earn-its-how-much-you-control) - Fee-only financial planner Rick Kahler: Recipients of government subsidies and welfare benefits may control more income than higher earners do
- [What % of your portfolio should be in stocks?](https://kahlerfinancial.com/financial-awakenings/in-the-news/what-of-your-portfolio-should-be-in-stocks) - Kahler Financial Group share tips on what % of your portfolio you should be putting into stocks. Visit our website for more information.
- [What Your Real Estate Agent Has to Tell You, But Your Financial Advisor Doesn't](https://kahlerfinancial.com/financial-awakenings/weekly-column/what-your-real-estate-agent-has-to-tell-you-but-your-financial-advisor-doesnt) - Fee-only financial planner Rick Kahler: Client or customer? Financial advisors, like real estate agents, should be required to disclose fiduciary relationship.
- [Pessimistic Math and 12% Returns](https://kahlerfinancial.com/financial-awakenings/weekly-column/pessimistic-math-and-12-returns) - Fee-only financial planner Rick Kahler cites numbers to show flaws in Dave Ramsey's 12% investment return and 8% withdrawal estimates
- [New Learning, Connections in the Big Apple](https://kahlerfinancial.com/financial-awakenings/personal-notes/new-learning-connections-in-the-big-apple) - I spent three days last week in New York City, the first I've been there in about 15 years. The main purpose of my trip was to make a presentation to the annual conference of the American Group Psychotherapist Association (AGPA). As far as I am aware, it's the first time this group has ever
- [Saying "no" when your child wants money](https://kahlerfinancial.com/financial-awakenings/conscious-cash-flow/saying-no-when-your-child-wants-money) - Financial advice from fee only financial planner Rick Kahler on how enabling children can lead to dependency, which usually kills the child’s self esteem and initiative.
- [Technology Tools For Advisors](https://kahlerfinancial.com/financial-awakenings/travel-and-dining/technology-tools-for-advisors) - I just returned from attending and presenting at the Technology Tools for Today conference in San Diego. The conference is one of the best in the profession for helping advisors like me keep abreast of the dynamic world of technology. One of the best features of the conference is the ability to talk directly to the
- [Tips On How To Pick A Financial Advisor](https://kahlerfinancial.com/financial-awakenings/in-the-news/tips-on-how-to-pick-a-financial-advisor) - An interesting compilation of tips by Faster Times reporter Sheryl Nance-Nash, who interviewed fee-only financial planner Rick Kahler, President of Kahler Financial Group, Rapid City, South Dakota, for the article.
- [Wall Street Journal Names "Scrooge" A Book For All Seasons](https://kahlerfinancial.com/financial-awakenings/weekly-column/wall-street-journal-names-scrooge-a-book-for-all-seasons) - Kahler Financial Group's The Financial Wisdom of Ebenezer Scrooge honored by the Wall Street Journal. Visit our website for more information.
- [Stacey Tisdale - Watch ABC's 20/20 Friday](https://kahlerfinancial.com/financial-awakenings/in-the-news/stacey-tisdale-watch-abcs-2020-friday) - Written by Stacey Tisdale, On-Air Financial Journalist and Author of The True Cost of Happiness ABC's 20-20 is airing a segment this Friday at 10:00 PM Eastern in which they filmed one of Dr. Ted Klonz and Rick Kahler's money workshops at their Onsite Workshops entity. I was so moved by Dr. Klonz and Rick's
- [Congress and the President Get One Right](https://kahlerfinancial.com/financial-awakenings/news-for-kfg-clients/congress-and-the-president-get-one-right) - On the surface, it looks like President Obama's overhaul of the financial system has one very good plank, to require brokers to adhere to a fiduciary standard when working with consumers. This proposal seems to be an end run around Mary Schapiro, the new head of the SEC and former FINRA executive, who is a
- [Why Some Smart People Do Dumb Things](https://kahlerfinancial.com/financial-awakenings/weekly-column/why-some-smart-people-do-dumb-things) - https://www.youtube.com/watch?v=ytu2SHb4rHM Bernie Madoff has to be a smart man. After all, he became chairman of a stock exchange and built an organization serving 13,000 people who collectively entrusted $65 billion dollars to him. Yet, as smart as he was, he did some really dumb things that will most likely land him in jail for a
- [Financial Stress in Times of Transition](https://kahlerfinancial.com/financial-awakenings/money-psychology/financial-stress-in-times-of-transition) - Fee-only financial planner Rick Kahler: Emotions during stressful transition times may lead to ill-considered financial decisions with negative consequences
- [Create Your Own Plan for Long Term Care in Old Age](https://kahlerfinancial.com/financial-awakenings/weekly-column/create-your-own-plan-for-long-term-care-in-old-age) - Fee-only financial planner Rick Kahler: Plan for long term health care not just LTCI; plan how to stay in home and how to pay for care
- [For Seniors: Giving Up The Checkbook, Part One](https://kahlerfinancial.com/financial-awakenings/retirement-64/for-seniors-giving-up-the-checkbook-part-one) - Fee-only financial planner Rick Kahler: Plan for old-age transition to financial caretaker: choose agent, execute documents, monitor cognitive decline, set investment policy
- [Federal Minimum Wage Adjusted for Cost of Living](https://kahlerfinancial.com/financial-awakenings/weekly-column/federal-minimum-wage-adjusted-for-cost-of-living) - Fee-only financial planner Rick Kahler: Federal minimum wage debate should include state's varied cost of living
- [Take Realistic Look at Retirement for Best Planning](https://kahlerfinancial.com/financial-awakenings/weekly-column/take-realistic-look-at-retirement-for-best-planning) - Fee-only financial planner Rick Kahler: Base retirement planning on reality, not delusions or rosy expectations; save more, form good health habits, enjoy now
- [Rick Cited in Article with Financial Advice for 2015](https://kahlerfinancial.com/financial-awakenings/investment-updates-210/rick-cited-in-article-with-financial-advice-for-2015) - Before you make any financial resolutions for the New Year, you might want to check out an article by financial planner Paul Fain, "Advice from around the country for 2015." He asked several financial planners, including Rick, for their suggestions to investors for the coming year. Rick's advice? Remember the lessons of 2008 and stay
- [Make the Most of 529 College Savings Plan](https://kahlerfinancial.com/financial-awakenings/weekly-column/make-the-most-of-529-college-savings-plan) - Fee-only financial planner Rick Kahler: For full benefit of 529 college savings plan: make big contributions early; use age-based option; compare state plans
- [Either IRA or 401(k) a Good Choice for Retirement Saving](https://kahlerfinancial.com/financial-awakenings/weekly-column/either-ira-or-401k-a-good-choice-for-retirement-saving) - Fee-only financial planner Rick Kahler: Regular contributions, diversified assets are keys to successful retirement saving; either IRA or 401(k) a good choice
- [Fighting to Keep What You Build](https://kahlerfinancial.com/financial-awakenings/in-the-news/fighting-to-keep-what-you-build) - A Bankrate article by Bruce Fraser that was also published at Fox Business on December 12, 2013, points out the importance of not only building wealth, but also of protecting it. The piece focused on three wealth destroyers: taxes, inflation, and overspending. Rick is one of the advisors cited in the article, titled "3 Wealth
- [Investing in Wine No Promise of Rosy Returns](https://kahlerfinancial.com/financial-awakenings/in-the-news/investing-in-wine-no-promise-of-rosy-returns) - Fee-only financial planner Rick Kahler in Investment News: Wine funds not an investment to indulge in
- [Art Appreciation 101](https://kahlerfinancial.com/financial-awakenings/in-the-news/art-appreciation-101) - "Choose a painting because you want to hang it on the wall," not with the expectation that its appreciation will fund college for the kids or retirement. That's the advice Rick shared in a recent Investment News article on buying art with an eye to its investment value. The article by Liz Skinner, headlined "Treasure
- [Relaxing the Lizard](https://kahlerfinancial.com/financial-awakenings/weekly-column/relaxing-the-lizard) - An image we often associate with lizards is basking in the sun. Imagining such a relaxed reptile might be a useful tool for making wiser financial choices. As discussed in a previous column, to make the best financial decisions, we need to keep our limbic system, the lower or reptilian brain, calm in the presence
- [Tea Parties, Taxes, and the Future](https://kahlerfinancial.com/financial-awakenings/in-the-news/tea-parties-taxes-and-the-future) - Kahler Financial Group discuss tea parties, taxes, and the future in their latest blog. Visit our website for more information.

## Pages

- [Kahler Financial Group - Financial Planning Company](https://kahlerfinancial.com/) - Kahler Financial, based in Rapid City, South Dakota, is a financial advisory firm that provides services to both local and nationwide clients.
- [Financial Planning Career Opportunities](https://kahlerfinancial.com/careers) - Explore career opportunities with Kahler Financial Group, the premier financial planning firm of the Northern Great Plains and Northern Rocky Mountain region.
- [About Us](https://kahlerfinancial.com/about-kahler-financial) - Talk to our financial consultants in Rapid City. Our advisors provide information on money skills and long-term wealth management.
- [Augustus Mahieu](https://kahlerfinancial.com/about-kahler-financial/augustus-mahieu) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_fullwidth_header _builder_version=”4.27.0″ _module_preset=”default” title_font=”|||on|||||” title_font_size=”25px” background_color=”#4d191b” custom_padding=”20px||20px||false|false” global_colors_info=”{}”] Gus Mahieu [/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ custom_padding=”10px||20px||false|false” global_colors_info=”{}”][et_pb_row admin_label=”row” _builder_version=”4.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.20.0″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_dcsbcm_divi_breadcrumbs_module _builder_version=”4.16″ _module_preset=”default” custom_margin=”||0px||false|false” global_colors_info=”{}”][/et_pb_dcsbcm_divi_breadcrumbs_module][/et_pb_column][/et_pb_row][et_pb_row column_structure=”3_5,2_5″ _builder_version=”4.22.1″ _module_preset=”default” custom_padding=”||0px|||” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.22.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_heading title=”About Gus” _builder_version=”4.22.1″ _module_preset=”default” title_level=”h2″ global_colors_info=”{}”][/et_pb_heading][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” min_height=”699.3px” global_colors_info=”{}”]
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- [Sarah McAllister](https://kahlerfinancial.com/about-kahler-financial/sarah-mcallister) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_fullwidth_header _builder_version=”4.27.0″ _module_preset=”default” title_font=”|||on|||||” title_font_size=”25px” background_color=”#4d191b” custom_padding=”20px||20px||false|false” global_colors_info=”{}”] Sarah Mcallister [/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ custom_padding=”10px||20px||false|false” global_colors_info=”{}”][et_pb_row admin_label=”row” _builder_version=”4.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.20.0″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_dcsbcm_divi_breadcrumbs_module _builder_version=”4.16″ _module_preset=”default” custom_margin=”||0px||false|false” global_colors_info=”{}”][/et_pb_dcsbcm_divi_breadcrumbs_module][/et_pb_column][/et_pb_row][et_pb_row column_structure=”3_5,2_5″ _builder_version=”4.22.1″ _module_preset=”default” custom_padding=”||0px|||” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.22.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_heading title=”About Sarah” _builder_version=”4.22.1″ _module_preset=”default” title_level=”h2″ global_colors_info=”{}”][/et_pb_heading][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” min_height=”699.3px” global_colors_info=”{}”]
- [Nathan Gehring, CFP®](https://kahlerfinancial.com/about-kahler-financial/nathan-gehring) - Nathan Gehring, CFP® brings 14 years of experience and knowledge in financial planning to the table.
- [Financial Awakenings](https://kahlerfinancial.com/financial-awakenings) - Rick Kahler is a nationally recognized Fee Only Financial Planner. Financial Awakenings is Rick's award winning financial planning blog.
- [Stephanie Long](https://kahlerfinancial.com/about-kahler-financial/stephanie-long) - Stephanie joined KFG in February 2024 as our Operations Associate, bringing a wealth of experience from her background in operations and trust administration.
- [Karie Swanson](https://kahlerfinancial.com/about-kahler-financial/karie-swanson) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_fullwidth_header _builder_version=”4.27.6″ _module_preset=”default” title_font=”|||on|||||” title_font_size=”25px” background_color=”#4d191b” custom_padding=”20px||20px||false|false” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″] Karie swanson [/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ custom_padding=”10px||20px||false|false” global_colors_info=”{}”][et_pb_row admin_label=”row” _builder_version=”4.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.20.0″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_dcsbcm_divi_breadcrumbs_module _builder_version=”4.16″ _module_preset=”default” custom_margin=”||0px||false|false” global_colors_info=”{}”][/et_pb_dcsbcm_divi_breadcrumbs_module][/et_pb_column][/et_pb_row][et_pb_row column_structure=”3_5,2_5″ _builder_version=”4.22.1″ _module_preset=”default” custom_padding=”||0px|||” global_colors_info=”{}” min_height=”777.8px” custom_margin=”|auto|-28px|auto||”][et_pb_column type=”3_5″ _builder_version=”4.22.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_heading title=”About Karie” _builder_version=”4.27.6″ _module_preset=”default” title_level=”h2″ hover_enabled=”0″
- [Financial Books by Rick Kahler](https://kahlerfinancial.com/financial-books-by-rick-kahler) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_fullwidth_header background_overlay_color=”rgba(0,0,0,0.53)” _builder_version=”4.27.4″ _module_preset=”default” title_level=”h3″ title_font=”|||on|||||” title_font_size=”55px” background_enable_color=”off” background_image=”https://kahlerfinancial.com/wp-content/uploads/2020/08/pexels-photo-196649-1920x.jpeg” height=”400px” title_font_size_tablet=”” title_font_size_phone=”30px” title_font_size_last_edited=”on|phone” global_colors_info=”{}”] Financial Books by Rick Kahler [/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_heading title=”Financial Therapy for Men” url=”https://a.co/d/029MbaJt” url_new_window=”on” _builder_version=”4.27.6″ _module_preset=”default” title_font=”||on||on||||” custom_margin=”||0px|||” global_colors_info=”{}”][/et_pb_heading][et_pb_text _builder_version=”4.27.6″ _module_preset=”default” min_height=”39.6px” global_colors_info=”{}”] This book touches on
- [Ben Paulding](https://kahlerfinancial.com/about-kahler-financial/ben-paulding) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_fullwidth_header _builder_version=”4.27.6″ _module_preset=”default” title_font=”|||on|||||” title_font_size=”25px” background_color=”#4d191b” custom_padding=”20px||20px||false|false” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″] Ben Paulding, CPA, CFP®, CEPA® [/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ custom_padding=”10px||20px||false|false” global_colors_info=”{}”][et_pb_row admin_label=”row” _builder_version=”4.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.20.0″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_dcsbcm_divi_breadcrumbs_module _builder_version=”4.16″ _module_preset=”default” custom_margin=”||0px||false|false” global_colors_info=”{}”][/et_pb_dcsbcm_divi_breadcrumbs_module][/et_pb_column][/et_pb_row][et_pb_row column_structure=”3_5,2_5″ _builder_version=”4.22.1″ _module_preset=”default” custom_padding=”||0px|||” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.22.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_heading title=”About Ben” _builder_version=”4.22.1″ _module_preset=”default” title_level=”h2″
- [Virtual Open House](https://kahlerfinancial.com/virtual-open-house) - [et_pb_section fb_built=”1″ admin_label=”Hero” _builder_version=”4.27.6″ _module_preset=”default” background_color=”#E09900″ use_background_color_gradient=”on” background_color_gradient_direction=”148deg” background_color_gradient_stops=”#ffffff 50%|rgba(255,255,255,0.85) 75%|rgba(255,255,255,0.36) 100%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(0,0,0,0.5)” background_color_gradient_end=”rgba(0,0,0,0.75)” background_image=”https://premadesections.divi.support/premade/wp-content/uploads/sites/4/2023/11/1920×1080.jpg” min_height=”380.9px” custom_padding=”||||false|false” locked=”off” collapsed=”on” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.6″ _module_preset=”5138c454-be54-4233-bd3b-f8e6a8747976″ custom_margin=”|auto|-102px|auto||” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.23.1″ _module_preset=”73121f80-a3ef-4484-8763-c3f18e3c56d2″ global_colors_info=”{}”][et_pb_heading title=”Explore Our Virtual Open House” _builder_version=”4.24.2″ _module_preset=”f0c675ea-2574-4d0e-b725-30f8550a8550″ title_level=”h4″ title_font=”IBM Plex Sans|IBM Plex Sans Condensed_weight||on|||||” title_text_color=”#023047″ title_font_size=”14px” title_letter_spacing=”1px” title_line_height=”1.4em” custom_margin=”||10px||false|false” title_font_size_tablet=”13px” title_font_size_phone=”13px” title_font_size_last_edited=”on|desktop” locked=”off” global_colors_info=”{%22#023047%22:%91%22title_text_color%22%93}”][/et_pb_heading][et_pb_heading title=”Welcome
- [Client Portal](https://kahlerfinancial.com/client-portal) - [et_pb_section fb_built=”1″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_image _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][/et_pb_image][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_heading title=”Client Portals” _builder_version=”4.27.6″ _module_preset=”default” title_font=”||||on||||” title_text_align=”center” title_font_size=”35px” module_alignment=”center” global_colors_info=”{}”][/et_pb_heading][/et_pb_column][/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.27.6″ _module_preset=”default” min_height=”420.4px” custom_padding=”||38px|||” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https://kahlerfinancial.com/wp-content/uploads/2023/09/charles-schwab-logo.png” alt=”Kahler Client Access Area” title_text=”charles schwab logo” align=”center” _builder_version=”4.27.6″ _module_preset=”default” height=”150px” global_colors_info=”{}”][/et_pb_image][et_pb_text _builder_version=”4.27.6″
- [Contact Us](https://kahlerfinancial.com/contact-us) - Contact information for the Kahler Financial Group, a South Dakota fee-only financial planner located in Rapid City, South Dakota.
- [Benjamin Marcham](https://kahlerfinancial.com/about-kahler-financial/benjamin-marcham) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_fullwidth_header _builder_version=”4.27.5″ _module_preset=”default” title_font=”|||on|||||” title_font_size=”25px” background_color=”#4d191b” custom_padding=”20px||20px||false|false” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″] Benjamin Marcham, Investment Adviser Representative [/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ custom_padding=”10px||20px||false|false” global_colors_info=”{}”][et_pb_row admin_label=”row” _builder_version=”4.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.20.0″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_dcsbcm_divi_breadcrumbs_module _builder_version=”4.16″ _module_preset=”default” custom_margin=”||0px||false|false” global_colors_info=”{}”][/et_pb_dcsbcm_divi_breadcrumbs_module][/et_pb_column][/et_pb_row][et_pb_row column_structure=”3_5,2_5″ _builder_version=”4.22.1″ _module_preset=”default” custom_padding=”||0px|||” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.22.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_heading title=”About Benjamin” _builder_version=”4.22.1″ _module_preset=”default” title_level=”h2″
- [Emily Koch](https://kahlerfinancial.com/about-kahler-financial/emily-koch) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_fullwidth_header _builder_version=”4.27.5″ _module_preset=”default” title_font=”|||on|||||” title_font_size=”25px” background_color=”#4d191b” custom_padding=”20px||20px||false|false” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″] EMILY KOCH, ASSOCIATE PLANNER [/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ custom_padding=”10px||20px||false|false” global_colors_info=”{}”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_dcsbcm_divi_breadcrumbs_module _builder_version=”4.27.4″ _module_preset=”default” custom_margin=”||0px||false|false” global_colors_info=”{}”][/et_pb_dcsbcm_divi_breadcrumbs_module][/et_pb_column][/et_pb_row][et_pb_row column_structure=”3_5,2_5″ _builder_version=”4.22.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.22.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_heading title=”About Emily” _builder_version=”4.27.4″ _module_preset=”default” title_level=”h2″ global_colors_info=”{}”][/et_pb_heading][et_pb_text _builder_version=”4.27.5″
- [South Dakota Public Broadcasting & Rick Kahler](https://kahlerfinancial.com/sdpb-rick-kahler) - Rick Kahler's interactions with South Dakota Public Broadcasting regarding Financial Therapy
- [Financial Therapy Podcast - It's Not Just About The Money](https://kahlerfinancial.com/financialtherapypodcast) - Rick Kahler's podcast that specializes in the integration of financial coaching, financial therapy, and traditional financial planning.
- [In The News](https://kahlerfinancial.com/news-room) - Media and news featuring Rick Kahler, Nathan Gehring, Christina Lynn, or Kahler Financial Group (KFG).
- [Meet the Partners](https://kahlerfinancial.com/meet-the-partners) - [et_pb_section fb_built=”1″ admin_label=”Hero” _builder_version=”4.27.4″ _module_preset=”default” background_color=”gcid-61aae4bc-ea3f-4fff-8cd8-85fe8beca671″ use_background_color_gradient=”on” background_color_gradient_direction=”350deg” background_color_gradient_stops=”gcid-primary-color 0%|gcid-61aae4bc-ea3f-4fff-8cd8-85fe8beca671 0%” background_enable_image=”off” min_height=”0px” height=”1500px” height_tablet=”1275px” height_phone=”1769px” height_last_edited=”on|phone” custom_padding=”||8vw||false|false” locked=”off” collapsed=”off” global_colors_info=”{%22#023047%22:%91%22background_color_gradient_stops%22%93,%22gcid-61aae4bc-ea3f-4fff-8cd8-85fe8beca671%22:%91%22background_color%22,%22background_color_gradient_stops%22%93,%22gcid-primary-color%22:%91%22background_color_gradient_stops%22%93}”][et_pb_row _builder_version=”4.27.4″ _module_preset=”5138c454-be54-4233-bd3b-f8e6a8747976″ min_height=”222.8px” height=”1000px” height_tablet=”1100px” height_phone=”2050px” height_last_edited=”on|phone” custom_padding=”0px|||||” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″][et_pb_column type=”4_4″ _builder_version=”4.16.0″ _module_preset=”73121f80-a3ef-4484-8763-c3f18e3c56d2″ global_colors_info=”{}”][et_pb_heading title=”Kahler Financial Group Welcomes New Partners” _builder_version=”4.27.4″ _module_preset=”ddeb8c09-9078-4424-bc15-2efb6572e28e” title_font=”Cormorant Garamond|Cormorant Garamond_weight|||||||” title_text_align=”center” title_text_color=”#f4f4f4″ title_font_size=”72px” title_line_height=”1.15em” min_height=”63px” title_font_size_tablet=”40px” title_font_size_phone=”30px” title_font_size_last_edited=”on|phone”
- [Meet the New Partners](https://kahlerfinancial.com/meet-the-new-partners)
- [Announcement](https://kahlerfinancial.com/announcement) - [et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”||54px|||” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_heading title=”Kahler Financial Group Welcomes New Partners” _builder_version=”4.27.4″ _module_preset=”default” title_text_align=”left” module_alignment=”center” global_colors_info=”{}”][/et_pb_heading][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”] For more than 40 years, clients have trusted Kahler Financial Group (KFG) for financial expertise delivered with care, transparency, and fiduciary responsibility. One question I’ve often been asked
- [Paul Freidel](https://kahlerfinancial.com/about-kahler-financial/paul-freidel) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_fullwidth_header _builder_version=”4.27.0″ _module_preset=”default” title_font=”|||on|||||” title_font_size=”25px” background_color=”#4d191b” custom_padding=”20px||20px||false|false” global_colors_info=”{}”] Paul Freidel, CPA , CTFA, CMA, CFM, CGMA, CPIM [/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ custom_padding=”10px||20px||false|false” global_colors_info=”{}”][et_pb_row admin_label=”row” _builder_version=”4.20.2″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.20.0″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_dcsbcm_divi_breadcrumbs_module _builder_version=”4.16″ _module_preset=”default” custom_margin=”||0px||false|false” global_colors_info=”{}”][/et_pb_dcsbcm_divi_breadcrumbs_module][/et_pb_column][/et_pb_row][et_pb_row column_structure=”3_5,2_5″ _builder_version=”4.22.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.22.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_heading title=”About Paul” _builder_version=”4.22.1″ _module_preset=”default”
- [Cecilia Fleming](https://kahlerfinancial.com/about-kahler-financial/cecilia-fleming) - Cecilia Fleming, CFA, joined KFG in 2023, moving to Rapid City from Richmond, Virginia. She helps people plan for their own financial independence.
- [Sonya Posey](https://kahlerfinancial.com/about-kahler-financial/sonya-posey) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_fullwidth_header _builder_version=”4.27.0″ _module_preset=”default” title_font=”|||on|||||” title_font_size=”25px” background_color=”#4d191b” custom_padding=”20px||20px||false|false” global_colors_info=”{}”] Sonya Posey, Client Service Associate [/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ custom_padding=”10px||20px||false|false” global_colors_info=”{}”][et_pb_row admin_label=”row” _builder_version=”4.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.20.0″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_dcsbcm_divi_breadcrumbs_module _builder_version=”4.27.4″ _module_preset=”default” custom_margin=”||0px||false|false” global_colors_info=”{}”][/et_pb_dcsbcm_divi_breadcrumbs_module][/et_pb_column][/et_pb_row][et_pb_row column_structure=”3_5,2_5″ _builder_version=”4.22.1″ _module_preset=”default” min_height=”551.8px” custom_padding=”||0px|||” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.22.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_heading title=”About Sonya” _builder_version=”4.22.1″ _module_preset=”default” title_level=”h2″ global_colors_info=”{}”][/et_pb_heading][et_pb_text
- [Ashley Clapp](https://kahlerfinancial.com/about-kahler-financial/ashley-clapp) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_fullwidth_header _builder_version=”4.27.4″ _module_preset=”default” title_font=”|||on|||||” title_font_size=”25px” background_color=”#4d191b” custom_padding=”20px||20px||false|false” global_colors_info=”{}”] Ashley Clapp, Client Experience Specialist [/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ custom_padding=”10px||20px||false|false” global_colors_info=”{}” custom_margin=”||1px|||”][et_pb_row admin_label=”row” _builder_version=”4.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.20.0″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_dcsbcm_divi_breadcrumbs_module _builder_version=”4.27.4″ _module_preset=”default” custom_margin=”||0px||false|false” global_colors_info=”{}”][/et_pb_dcsbcm_divi_breadcrumbs_module][/et_pb_column][/et_pb_row][et_pb_row column_structure=”3_5,2_5″ _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”||0px|||” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″ min_height=”580.1px”][et_pb_column type=”3_5″ _builder_version=”4.22.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_heading title=”About Ashley” _builder_version=”4.27.4″
- [Rick Kahler](https://kahlerfinancial.com/about-kahler-financial/rick-kahler) - Rick Kahler, CFP®, Founder of Kahler Financial Group, a South Dakota Based Fee-Only Financial Planner.
- [Registration](https://kahlerfinancial.com/membership-join/membership-registration)
- [Profile](https://kahlerfinancial.com/membership-login/membership-profile-2)
- [Password Reset](https://kahlerfinancial.com/membership-login/password-reset-2)
- [Client Access Area](https://kahlerfinancial.com/clientarea) - Kahler Financial invites you to visit our online client access area. Visit our website for more information.
- [Create an Account](https://kahlerfinancial.com/membership-join)
- [Social Media Disclosures](https://kahlerfinancial.com/disclosures) - Kahler Financial provides social media disclosures for your reference. Visit our website to read more about our social media disclosures.
- [Asset Protection](https://kahlerfinancial.com/fee-only-financial-planning/asset-protection) - Prudent investors need more than insurance to protect their assets. They need a foundational layer of asset protection based on three primary strategies.
- [Cash Flow Management](https://kahlerfinancial.com/cash-flow-management) - Put our 30-plus years of market experience to work for you in accumulating and managing your cash flow management
- [Fee Only Financial Planning](https://kahlerfinancial.com/fee-only-financial-planning) - Our team of financial planners in Rapid City help with your retirement, business, or money plans in South Dakota. Kahler offers personal financial planning.
- [Financial Therapy Through Advanced Wellbeing](https://kahlerfinancial.com/financial-therapy) - In financial therapy, we help clients understand that most financial decisions are governed by what we think, feel, and believe about money and how those ...
- [Talking Financial Therapy with Rick Kahler Schedule](https://kahlerfinancial.com/talking-financial-therapy-with-rick-kahler-schedule) - Check out upcoming events: "Talking Financial Therapy with Rick Kahler". These events are free and are help each month. Submit your questions before the event
- [Finding a Sales Free Advice Fiduciary](https://kahlerfinancial.com/sales-free-advice-fiduciary) - Finding a sales free advice fiduciary is very tricky, Kahler Financial Group is here to help.
- [Our Financial Adviser Charges](https://kahlerfinancial.com/fees) - Come to Kahler Financial in Rapid City for investment and wealth consulting services. We work with people across South Dakota.
- [Fiduciary Duty](https://kahlerfinancial.com/fee-only-financial-planning/fiduciary-duty) - As a fee only financial planner, Kahler Financials' fiduciary advisors are dedicated to helping clients in a responsible manner.
- [Privacy Policy](https://kahlerfinancial.com/privacy-policy) - Privacy Policy Kahler Financial Group (“Company,” “we,” or “us”) respects your privacy and is committed to protecting it through this Privacy Policy. This Privacy Policy governs your access to and use of kahlerfinancial.com , including any content, functionality, and services offered on or through kahlerfinancial.com (the “Website“), whether as a guest or a registered user. When
- [Retirement: Thinking It Through](https://kahlerfinancial.com/retirement-thinking-it-through) - Kahler Financial in Rapid City is a Financial Advisor located in South Dakota and helps local and nationwide clientele with wealth management and - Retiremen...
- [Thank you](https://kahlerfinancial.com/thank-you) - Kahler Financial in Rapid City is a Financial Advisor located in South Dakota and helps local and nationwide clientele with wealth management and - Thank you...
- [Lightning Meetings](https://kahlerfinancial.com/lightning-meetings) - Whether you need financial advice on taxes, debt, mortgages, or something else, our experienced advisors in Rapid City can help.
- [Navigating the Maze of Financial Credentials](https://kahlerfinancial.com/navigating-the-maze-of-financial-credentials) - Finding the right financial professional can be difficult. This list can help find the right financial professional based on the financial credentials.
- [Using Tech for a Happier, Healthier Life](https://kahlerfinancial.com/public-speaking/leveraging-technology-to-create-a-happier-and-healthier-life) - Live the life of your dreams. Go where you want, with who you want, and work when you want. Rick travels one week out of every month, yet maintains a vibrant ‘mature solo’ financial planning practice serving nearly 75 clients. He shows you how to use technology to live a more fulfilling, richer and vibrant life, while also serving your clients.
- [Real Financial Planning Video Series](https://kahlerfinancial.com/clientarea/real-financial-planning-video-series) - Kahler Financial shares real financial planning video series for your review. Visit our website to learn more.
- [FREE DOWNLOAD - Financial Trauma](https://kahlerfinancial.com/free-download-financial-trauma) - Kahler Financial in Rapid City is a Financial Advisor located in South Dakota and helps local and nationwide clientele with wealth management - Financial Trauma
- [Free Download - Money Scripts](https://kahlerfinancial.com/free-download-money-scripts) - Kahler Financial in Rapid City is a Financial Advisor located in South Dakota and helps local and nationwide clientele with wealth management - Money Scripts..
- [Free Download - How Financially Literate Are You?](https://kahlerfinancial.com/free-download-how-financially-literate-are-you) - Kahler Financial in Rapid City is a Financial Advisor located in South Dakota and helps local and nationwide clientele with wealth management -How Financially..
- [Solving the Social Security Webinar](https://kahlerfinancial.com/solving-the-social-security-webinar) - Learn how to maximize Social Security benefits with expert strategies in our webinar. Secure your financial future wisely. Join us now! - Kahler Financial
- [Client Introduction Survey](https://kahlerfinancial.com/client-introduction-survey) - Kahler Financial invites you to complete our client introduction survey. Visit our website to learn more.
- [Saving for College](https://kahlerfinancial.com/saving-for-college) - A 529 plan is an investment plan, operated by a state, designed to help families save for future college costs. Contact us to learn more about funding a college education.
- [Let's Stop Putting Square Pegs Into Round Holes](https://kahlerfinancial.com/public-speaking/lets-stop-putting-square-pegs-into-round-holes) - The premier financial planning experience of the future will involve a two person team that incorporates exquisite listening and communication skills with detailed technical knowledge and financial solutions
- [Request an Appointment](https://kahlerfinancial.com/request-an-appointment) - Request an appointment with Kahler Financial Group, a South Dakota fee-only financial planner located in Rapid City, South Dakota
- [Life Transitions](https://kahlerfinancial.com/forms/life-transitions) - Kahler Financial provides information on life transitions and how to navigate these changes financially. Contact Kahler Financial to learn more.
- [Financial Satisfaction](https://kahlerfinancial.com/forms/financial-satisfaction) - Kahler Financial provides tips and strategies for achieving financial satisfaction. Contact Kahler Financial for more information.
- [Initial Interview Form](https://kahlerfinancial.com/forms/initialinterview) - Kahler Financial provides an initial interview form online for your convenience. Visit our website for more information.
- [Forms](https://kahlerfinancial.com/forms) - Kahler Financial provides online forms for your convenience. Visit the Kahler Financial website for more information.
- [Accessibility](https://kahlerfinancial.com/accessibility) - Kahler Financial Group ensures an inclusive experience for all visitors. Learn about our efforts and support options. Contact us at website@kahlerfinancial.com.
- [Kahler RSVP Page](https://kahlerfinancial.com/rsvp) - Kahler Financial in Rapid City is a Financial Advisor located in South Dakota and helps local and nationwide clientele with wealth management and - Kahler RS...
- [Personal Insights about Change](https://kahlerfinancial.com/personal-insights-about-change) - Kahler Financial in Rapid City is a Financial Advisor located in South Dakota and helps local and nationwide clientele with wealth management and - Personal ...
- [KFG Webinar - Divorce & Finances](https://kahlerfinancial.com/kfg-webinar-replay) - Kahler Financial in Rapid City is a Financial Advisor located in South Dakota and helps local and nationwide clientele with wealth management and - KFG Webin...
- [How Financially Literate Are You?](https://kahlerfinancial.com/how-financially-literate-are-you) - Kahler Financial in Rapid City is a Financial Advisor located in South Dakota and helps local and nationwide clientele with wealth management and - How Finan...
- [Free Download - A Couples Financial Therapist](https://kahlerfinancial.com/free-download-a-couples-financial-therapist) - Kahler Financial in Rapid City is a Financial Advisor located in South Dakota and helps local and nationwide clientele with wealth management and - Free Down...
- [Financial Planning Assessment](https://kahlerfinancial.com/financial-planning-assessment) - Kahler Financial in Rapid City is a Financial Advisor located in South Dakota and helps local and nationwide clientele with wealth management and - Financial...
- [Anxiety Free Investing Video Series](https://kahlerfinancial.com/clientarea/anxiety-free-investing-video-series) - Kahler Financial shares anxiety free investing video series for your reference. Visit our website for more information.
- [Glossary of Financial Terms](https://kahlerfinancial.com/glossary) - Sorting through financial information and choices can be confusing enough without the added language barriers the financial industry sometimes creates.
- ["106 Things We Do” for our Clients](https://kahlerfinancial.com/106-things-we-do-for-our-clients) - A general overview of some of the "106 Things We Do" for our Clients.
- [Financial Speaker and Presenter - Rick Kahler, MSFP, ChFC, CFP®](https://kahlerfinancial.com/public-speaking) - Rick Kahler, CFP, is based in Rapid City, South Dakota. Rick is an energetic, provocative, thoughtful and entertaining speaker who leaves audiences enlightened. Rick is also a licensed Financial Therapist.
- [Client Meeting Follow Up Survey](https://kahlerfinancial.com/client-meeting-follow-up-survey) - Kahler Financial provides a client meeting follow up survey for your feedback. Visit our website for more information.
- [Client Satisfaction Survey](https://kahlerfinancial.com/client-satisfaction-survey) - Kahler Financial provides a client satisfaction survey for your feedback. Visit our website for more information.
- [Client Meeting Follow Up Survey - Advanced Wellbeing LLC](https://kahlerfinancial.com/client-meeting-follow-up-survey-advanced-wellbeing-llc) - Fill out the follow-up survey that accurately represents your most recent experience with your Advanced Wellbeing, LLC, practitioner.
- [Retirement Planning](https://kahlerfinancial.com/fee-only-financial-planning/retirement-planning) - The Kahler Financial Group can help you get the most out of life with the money you have with our retirement planning services. Schedule a free consultation.
- [Insurance Planning](https://kahlerfinancial.com/fee-only-financial-planning/insurance-planning) - As a fee-only financial planning firm, Kahler Financial Group does not sell insurance products. Instead, we help our clients through sound insurance planning.
- [Estate Planning](https://kahlerfinancial.com/fee-only-financial-planning/estate-planning) - Kahler Financial Group offers advice and support to clients in both the financial details and the emotional aspects of estate planning.
- [Business Consulting Services](https://kahlerfinancial.com/fee-only-financial-planning/business-consulting) - At Kahler Financial Group, we are a business consulting company that truly understands small business owners.
- [Our Core Values - What We Really Do](https://kahlerfinancial.com/core-values) - Behind the “what” and “how” of what we do is the “why.” These are our core values, the touchstone of what brings us together as a group.
- [Infographic](https://kahlerfinancial.com/infographic) - Kahler Financial Group offers investment advice and wealth management strategies across Rapid City and South Dakota. Visit our website to learn more.
- [Common Retirement Money Mistakes](https://kahlerfinancial.com/common-retirement-money-mistakes) - The average retirement age in the U.S. is 62 years old. There are several missteps people can make during retirement. This whitepaper discusses six common ones.
- [Common Retirement Money Mistakes FREE](https://kahlerfinancial.com/common-retirement-money-mistakes-free) - There are several missteps people can make during retirement. This whitepaper discusses six common ones. Free download
- [Wheel of Life](https://kahlerfinancial.com/wheel-of-life) - Kahler Financial Group share the concept of the wheel of life and how to live this philosophy. Visit our website for more information.
- [What a ’63 Chevy Can Teach Us About Investing In An Uncertain World Economy](https://kahlerfinancial.com/public-speaking/what-a63-chevy-can-teach-us-about-investing-in-an-uncertain-world-economy) - Where do you invest in a world of increasing government spending, high unemployment, struggling economies, high taxes, and an equal chance of inflation or deflation?
- [Financial Therapy Series](https://kahlerfinancial.com/financial-therapy-series) - An inexpensive and powerful way to sample the transformative power of financial therapy as featured in ABC’s 20/20 report.
- [A Couples Financial Therapist](https://kahlerfinancial.com/a-couples-financial-therapist) - Find out the signs it is time to see a couples financial therapist. Couples' money issues are rarely about the money but are usually about underlying emotions.
- [Money Scripts - First Step to Financial Health](https://kahlerfinancial.com/money-scripts-first-step-to-financial-health) - Download this free whitepaper to take the first step in understanding your financial health. Money scripts are beliefs we have acquired about money and how it works.
- [Sign-up for Financial Awakenings](https://kahlerfinancial.com/sign-up-for-financial-awakenings) - Kahler Financial invites you to sign-up for financial awakenings. Visit our website for more information.
- [Eight Aspects of Financial Trauma - FREE](https://kahlerfinancial.com/eight-aspects-of-financial-trauma-free) - Download this free whitepaper to see what they are and if you have some past financial trauma. Rick Kahler shares these eight aspects of financial trauma.
- [Becoming a Client](https://kahlerfinancial.com/becoming-a-client) - Kahler Financial in Rapid City has a team of certified financial planners and retirement advisers ready to answer your questions.
- [Real Estate Consulting](https://kahlerfinancial.com/real-estate-consulting) - With over 30 years of real estate consulting experience, Rick Kahler is uniquely qualified to help with the most complex real estate issues.
- [Tax Planning](https://kahlerfinancial.com/fee-only-financial-planning/tax-planning) - Tax and financial planning for individuals and small businesses!
- [Financial Educational Tools](https://kahlerfinancial.com/financial-educational-tools) - Tools for anyone with questions about financial issues as presented by Kahler Financial Group, a South Dakota Fee Only Planner.
- [Expanding Your Practice By 'Shrinking' Your Clients](https://kahlerfinancial.com/public-speaking/expanding-your-practice-by-shrinking-your-clients) - Rick Kahler, will give you new insight and practical information on how involving a psychologist in your planning process can add value to your clients.
- [When What You See Isn't What You Get](https://kahlerfinancial.com/public-speaking/when-what-you-see-isnt-what-you-get) - Join Rick in a thoughtful discussion as he explores widely held myths around fee-only, the fiduciary standard, and the CFP(R) designation.
- [A Look Into the Future: The Evolution of Financial Planning](https://kahlerfinancial.com/public-speaking/a-look-into-the-future-the-evolution-of-financial-planning) - Perhaps empowering financial planners to excel at what they love is the future of the financial planning career track, which may find planners practicing in teams of two: a number facing planner and a client-facing planner.
- [The Coming Convergence of Therapy and Financial Planning](https://kahlerfinancial.com/public-speaking/the-coming-convergence-of-therapy-and-financial-planning) - The premier financial planning experience of the future will involve a two person team that incorporates a client-focused financial therapist with technical-oriented financial planner.
- [Practice Management 3.0 - Holacracy](https://kahlerfinancial.com/public-speaking/practice-management-3-0-holacracy) - hear first-hand experiences and reflections of financial planners who implemented Holacracy in there organizations.
- [The Money Atom - An Experiential and Visual Tool for Exploring the Client Family's Money History](https://kahlerfinancial.com/public-speaking/the-money-atom-an-experiential-and-visual-tool-for-exploring-the-client-familys-money-history) - The Money Atom exercise is an experiential and visual tool that interactively engages a client in exploring and telling his family's money history.
- [The Killer App to a Best Practices Firm](https://kahlerfinancial.com/public-speaking/the-killer-app-to-a-best-practices-firm) - Rick will unveil what he calls the single most effective practice management strategy he’s seen for transforming your practice and your life.
- [It  Takes Two - A Look At Conjoint Financial Therapy](https://kahlerfinancial.com/public-speaking/it-takes-two-a-look-at-conjoint-financial-therapy) - The premier financial planning experience of the future could involve a two person team that incorporates a financial therapist with a financial planner.
- [Wiring Your Clients For Wealth - New Tools for Discovering and Changing Their Money Mindset](https://kahlerfinancial.com/public-speaking/wiring-your-clients-for-wealth-new-tools-for-discovering-and-changing-their-money-mindset) - Changing a client’s money mindset is not a gimmick or a “wealth secret.” It is a process, based on well-established research.
- [Supercharge Your Practice and Your Life – How One Adviser Made a Euro Star out of a Train Wreck](https://kahlerfinancial.com/public-speaking/supercharge-your-practice-and-your-life-how-one-adviser-made-a-euro-star-out-of-a-train-wreck) - How to create a non-virtual, virtual office that works for you. What works and doesn’t work when outsourcing. How to create a blog and website that supports clients, cuts expenses, and attracts prospects.
- [Money Skills - 21st Century’s Survival Skills](https://kahlerfinancial.com/public-speaking/money-skills-21st-centurys-survival-skills) - Good financial planning can be summed up in one simple sentence: “Save more, spend less, and don’t do anything stupid.”
- [Financial Sobriety Skills for A Nation Out-Of-Control](https://kahlerfinancial.com/public-speaking/financial-sobriety-skills-for-a-nation-out-of-control) - Something is not working with the way most Americans relate to their money. Just like an alcoholic, we became intoxicated on easy credit, financial entitlements, and living a lifestyle that was a lie.
- [Expanding Your Practice By ‘Shrinking’ Your Clients – Exploring The Planner Therapist Alliance](https://kahlerfinancial.com/public-speaking/expanding-your-practice-by-shrinking-your-clients-exploring-the-planner-therapist-alliance) - We can now see where the evolution of life planning services is taking us, and how it may benefit you and your clients more than you realize. The planner-therapist alliance may be the endgame for where the life planning service is going.
- [Asset Protection – Protecting Your Assets from The Unthinkable](https://kahlerfinancial.com/public-speaking/asset-protection-protecting-your-assets-from-the-unthinkable) - Many people think their assets are protected because they have liability insurance, only to find out that insurance is not always enough. That’s what Rick discovered when he was faced with a frivolous lawsuit that lasted nine years.
- [All You Really Need to Know About Financial Planning](https://kahlerfinancial.com/public-speaking/all-you-really-need-to-know-about-financial-planning) - Money skills are the 21st century’s survival skills. You may have a great education, a successful career, or be the best in your field, yet if you don’t understand how to make sound money decisions you won’t be going far.
- [The Financial Wisdom of Ebenezer Scrooge](https://kahlerfinancial.com/public-speaking/the-financial-wisdom-of-ebenezer-scrooge) - In the timeless traditions of The Tao of Pooh and Who Moved My Cheese, Rick reveals how the wisdom in Charles Dickens's classic A Christmas Carol can help financial professionals facilitate financial health.
- [The Best Financial Planning Is Done When You’re Young](https://kahlerfinancial.com/public-speaking/the-best-financial-planning-is-done-when-youre-young) - How many times have you thought, “I will start saving when I’m older and have more money,” or “I don’t need to focus on my finances, there’s time for that later”? The best time to begin your financial planning is today. Learn why those who start financial planning in their youth become financially independent sooner, are healthier, and are happier in retirement than those who wait. Do you really need a financial plan if you are young? What can you do to protect yourself and the ones you love? Learn why saving money isn’t just something you do when you are rich.
- [Protecting Your Assets From Instantaneous Destruction](https://kahlerfinancial.com/public-speaking/protecting-your-assets-from-instantaneous-destruction) - Imagine saving money your entire life, only to have someone take every dollar you have because of a lawsuit. How awful would that be? There are many great ways to protect yourself from a situation like this. Learn how to protect yourself and your family in the face of an unforeseen event. Learn about your line of first defense: various types of insurance. Learn the things that can go terribly wrong with liability insurance. Find out how you can sleep well at night even if your liability insurer denies your claim. Learn how to determine which insurance is best for you and your family. Find out the things most insurance sales companies wouldn’t want you to know. Are there things you can do other than purchase insurance?
- [Investing In An Uncertain World](https://kahlerfinancial.com/public-speaking/investing-in-an-uncertain-world) - In the Great Recession, the Dow Jones Average dropped 54% in just 17 months and then recovered to 85% of its 2007 high. Where and how should you invest now? In this presentation, you will learn several simple ways you can protect yourself from a volatile stock market. You will learn: About the changes in the world economy that are taking place To consider if we are in a different world calling for different investment strategies New strategies to diversify your investment portfolio Why your portfolio probably isn’t diversified, even though you think it is Why diversification isn’t having money with different advisors, mutual funds, or fund groups Why you need some losers in your portfolio How successful investing is like a V-8 engine.
- [In a World Of Financial Wolves, What’s A Sheep To Do? - Strategies For Keeping Your Money Safe](https://kahlerfinancial.com/public-speaking/in-a-world-of-financial-wolves-whats-a-sheep-to-do-strategies-for-keeping-your-money-safe) - If you were looking for financial advice, where would you go? Who would you trust? Many turn to family and friends, while others turn to their trusted financial advisor. How do you know if the advice you are getting from your trusted advisor is really the best for you? We will explore the differences between financial advisors that are your advocates, and those that might be looking out primarily for themselves. In this presentation you will discover: Why you might want to be a client instead of a customer Why selling financial products is more profitable than giving advice How to tell the difference between a financial advisor and a financial salesperson Why you don’t want financial advice from a salesperson How to know when you need advice and when you need a salesperson Why it’s important you know if your advisor is or is not a fiduciary What to look for in a financial advisor.
- [Spending Your Way To Wealth](https://kahlerfinancial.com/public-speaking/spending-your-way-to-wealth) - According to a recent study, 70% of Americans live month-to-month and only 5% are financially independent by the time they retire. Sadly, most Americans simply over-spend, over-borrow, and under-save. One reason is Americans don’t know how to track or forecast their annual income and expenses. In this presentation you will: Explore the different systems of cash flow management Learn to budget where you can still spend every last dime in your checking account Learn how to effortlessly track your income and expenses Discover ways to take control of your finances.
- [What Is Financial Planning, Really?](https://kahlerfinancial.com/public-speaking/what-is-financial-planning-really) - Millions of "financial advisors" claim to do financial planning, but what does that really mean? Since financial planning isn’t a legally protected term, anyone can call themselves a financial planner. We will give you the knowledge you need to know the difference between financial advisors that claim to be doing financial planning and those that are actually doing it. Learn all the components that are involved in comprehensive financial planning. Discover three reasons why your "financial planner" may not really be doing financial planning. Learn ten things to look for, and look out for, when shopping for a financial planner.
- [There Are No Difficult Clients - Just Advisers Who Have Run Out Of Tools](https://kahlerfinancial.com/public-speaking/there-are-no-difficult-clients-just-advisers-who-have-run-out-of-tools) - Very few of a financial advisor’s clients have problems with money. The real problems lie in the relationships that both advisors and clients have with money, especially when those relationships are based on an unhealthy belief system about money. Further, few financial advisers really have the ‘solution’ to our client’s needs. We can, however, become expert facilitators at helping clients achieve the life of their dreams. Facilitating financial health requires more than presenting spreadsheets, cash flow statements and asset allocation models. It requires an understanding of the kind of life the client envisions and how the client’s emotional and psychological predispositions facilitate or obstruct (or both) the development of successful financial plans. This presentation will give you a glimpse into the best practices of financial advisers who are integrating the fields of psychotherapy, coaching, and traditional financial planning. This workshop will help you: Learn how to build a trusting relationship with clients. Identify your clients' money scripts and the financial disorders they cause. Explore the latest research used in facilitating change in individuals. Understand the integrated financial planning process.
- [Applying the Tools of the Masters - A Life Planner's Search For The 'Killer App' of Life Planning](https://kahlerfinancial.com/public-speaking/applying-the-tools-of-the-masters-a-life-planners-search-for-the-killer-app-of-life-planning) - How often do you pick up a great new tool at a conference, come home and implement it for one round of client meetings, scan the results, and it never again sees the light of day? Have you ever wondered what handouts and process are real life planners using? What really works? In this workshop, Rick Kahler, CFP®, will discuss the dozens of exercises, forms, and techniques being touted today by the best vendors of Life Planning. Learn those he uses in his practice and he finds most effective. The workshop will cover: What life planning handouts/exercises offer the most value in working with clients? When and how do you best present them to the client? Which are best done as homework and which are best in a face-to-face meeting? How to use video exercises to save client meeting time. Which are most effective in terms of getting value/insight from the results? Is the processing of exercises off-the-cuff or does a script work best?
- [Planning Like King Tut](https://kahlerfinancial.com/public-speaking/planning-like-king-tut) - Ben Franklin once said, "but in the world nothing can be said to be certain except death and taxes." We know both will happen, and yet we only talk about taxes. Planning for what will happen after you die can be very difficult, but it is necessary if you want to protect your interests and your loved ones. Great intentions can go awry too quickly without proper planning. This presentation will walk through the necessary steps to plan for your estate. In this informative workshop, we will give you information on what you can do today to be fully prepared for when (not “if”) you pass into death. You'll learn about: Money scripts around estate planning that cause more harm than good. Questions you need to ask before drafting your will. Why your will may not be the actual way your estate is distributed. The six items you must have in your Master File.
- [Are You Tasting Your Own Cooking? – Practical Steps to Creating Integrity In Your Practice and Your Life](https://kahlerfinancial.com/public-speaking/are-you-tasting-your-own-cooking-practical-steps-to-creating-integrity-in-your-practice-and-your-life) - Advisors, are you consumers of the advice you give your clients? In this session Rick Kahler will explore the power and practicality of ‘walking the walk’.

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## Categories

- [Uncategorized](https://kahlerfinancial.com/financial-awakenings/category/uncategorized) - Articles and videos that are uncategorized, but are about financial planning and the psychology of money.
- [Media](https://kahlerfinancial.com/financial-awakenings/category/media) - A weekly column with posts related to updates in the media andhow media affects our relationship with money.
- [Asset Protection](https://kahlerfinancial.com/financial-awakenings/category/asset-protection) - Asset Protection refers to strategies used to guard one’s wealth against taxation, seizure, or other losses.
- [Estate Planning](https://kahlerfinancial.com/financial-awakenings/category/estate-planning) - A weekly column that includes knowledge-based articles about estate planning and retirement planning.
- [Insurance](https://kahlerfinancial.com/financial-awakenings/category/insurance) - Insurance and Financial Insight. View professional blogs from Kahler Financial representatives with insurance.
- [Money Psychology](https://kahlerfinancial.com/financial-awakenings/category/money-psychology) - Articles based on financial planning, financial well-being, and understanding the psychology of financial planning.
- [Healthy Money Relationships](https://kahlerfinancial.com/financial-awakenings/category/healthy-money-relationships) - The first and most logical action is financial literacy—gaining a basic understanding of how money works.
- [Tax Planning](https://kahlerfinancial.com/financial-awakenings/category/tax-planning) - Articles that feature paying taxes, tax planning, tax changes, and education around different tax structures.
- [Press Releases](https://kahlerfinancial.com/financial-awakenings/category/press) - Articles based on Rick Kahler publicly speaking, radio shows, and other press-related events.
- [Weekly Column](https://kahlerfinancial.com/financial-awakenings/category/weekly-column) - Financial Awakenings, a weekly column written by Rich Kahler covering money psychology and healthy money relationships.
- [Teleclasses, Workshops](https://kahlerfinancial.com/financial-awakenings/category/teleclasses-workshops) - Stay up to date with virtual summits, classes, and workshops around financial planning and money psychology.
- [Personal Notes](https://kahlerfinancial.com/financial-awakenings/category/personal-notes) - Personal anecdotes, stories, and articles are shared with you in a weekly column written by Rick Kahler.
- [In The News](https://kahlerfinancial.com/financial-awakenings/category/in-the-news) - Subscribe to the weekly column to stay up to date with the latest financial news, stories and events.
- [Cash Flow](https://kahlerfinancial.com/financial-awakenings/category/conscious-cash-flow) - A weekly column, featuring articles about creating, maintaining and and improving cash flows.
- [Travel and Dining](https://kahlerfinancial.com/financial-awakenings/category/travel-and-dining) - Articles and videos about traveling domestically and abroad on a budget, retiring abroad, and the costs of travel.
- [News For KFG Clients](https://kahlerfinancial.com/financial-awakenings/category/news-for-kfg-clients) - Subscribe to the weekly column so you can stay updated with any KFG news addressed to our clients.
- [Life Aspiration Planning](https://kahlerfinancial.com/financial-awakenings/category/life-aspiration-planning) - Articles that may be useful to help you better understand your own relationship with money.
- [Fee Only Financial Planning](https://kahlerfinancial.com/financial-awakenings/category/fee-only-financial-planner) - Articles based on financial planning, financial well-being and understanding the psychology of financial planning.
- [Financial Therapy](https://kahlerfinancial.com/financial-awakenings/category/financial-coaching-therapy) - Money touches everything in our life. How we use it can transform us and those around us.
- [Business Owners](https://kahlerfinancial.com/financial-awakenings/category/business-owners) - View the latest articles about owning a business and building or maintaining healthy money relationships.
- [The Economy](https://kahlerfinancial.com/financial-awakenings/category/the-economy) - Articles about the financial markets, the current state of the economy, and the best ways to prepare for economic turmoil.
- [Health](https://kahlerfinancial.com/financial-awakenings/category/health) - The statistics suggest that in the long run, poor health will cost far more than the money or time it takes to maintain good health.
- [Guest Posts](https://kahlerfinancial.com/financial-awakenings/category/guest-posts) - Guest articles written by Tom Simmons, Kathleen Fox, and Kathleen Burns Kingsbury.
- [Education](https://kahlerfinancial.com/financial-awakenings/category/education-2) - Articles about financial literacy, money education, the cost of college tuition and avoiding financial mistakes.
- [Investment](https://kahlerfinancial.com/financial-awakenings/category/investment-updates-210) - A weekly column that includes knowledge-based articles about money management and investments.
- [Retirement Planning](https://kahlerfinancial.com/financial-awakenings/category/retirement-64) - Articles that feature retirement planning, financial market changes, and asset management.
- [Building Wealth](https://kahlerfinancial.com/financial-awakenings/category/building-wealth-2) - View the latest articles about methods, mediums, and the mindset to build and maintain wealth.
- [*Financial Awakenings](https://kahlerfinancial.com/financial-awakenings/category/financial-awakenings-2) - Articles based on showcasing financial awakenings, healthy money relationships, and life aspirational planning.
- [Associate Education](https://kahlerfinancial.com/financial-awakenings/category/associate-education) - View the latest news about our financial planning associates, earning their Certified Financial Planner (CFP) designation.
- [Money Management](https://kahlerfinancial.com/financial-awakenings/category/money-management-2) - Articles based on showcasing financial awakenings, healthy money relationships, and life aspirational planning.
- [Giving](https://kahlerfinancial.com/financial-awakenings/category/giving) - Over the years, I have come to realize that giving, like other forms of spending, can be done for many reasons.
- [Real Estate](https://kahlerfinancial.com/financial-awakenings/category/real-estate) - Articles that feature real estate investing, housing market changes, and real estate tax structures.
- [News Room Media](https://kahlerfinancial.com/financial-awakenings/category/news-room-media) - Articles shared to you from around external sources that include Rick Kahler or Kahler Financial Group.

## Tags

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- [cpi](https://kahlerfinancial.com/financial-awakenings/tag/cpi) - Recently, in hearing the term “inflation” used in the media and by consumers, it often seems as if two entirely different conversations are happen - cpi...
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- [chatzky](https://kahlerfinancial.com/financial-awakenings/tag/chatzky) - - chatzky...
- [finance](https://kahlerfinancial.com/financial-awakenings/tag/finance) - - finance...
- [invest](https://kahlerfinancial.com/financial-awakenings/tag/invest) - - invest...
- [national debt](https://kahlerfinancial.com/financial-awakenings/tag/national-debt) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: National Debt.
- [onsite](https://kahlerfinancial.com/financial-awakenings/tag/onsite) - Kahler Financial Group discuss how to supercharge your life by changing your relationship with money. Visit our website for more information. - onsite...
- [workshop](https://kahlerfinancial.com/financial-awakenings/tag/workshop) - Kahler Financial Group discuss how to supercharge your life by changing your relationship with money. Visit our website for more information. - workshop...
- [couples](https://kahlerfinancial.com/financial-awakenings/tag/couples) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Couples.
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- [gold](https://kahlerfinancial.com/financial-awakenings/tag/gold) - I’ve noticed recently that news and commentary programs are being inundated by ads with dire warnings of the imminent collapse of the US economy and the dollar.
- [Stocks](https://kahlerfinancial.com/financial-awakenings/tag/stocks) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Stocks.
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- [exercise](https://kahlerfinancial.com/financial-awakenings/tag/exercise) - - exercise...
- [fitness](https://kahlerfinancial.com/financial-awakenings/tag/fitness) - - fitness...
- [seniors](https://kahlerfinancial.com/financial-awakenings/tag/seniors) - This week my father, age 80, completed a 33-mile ride on the historic Mickelson Trail from Pringle, SD, to Edgemont, SD.
- [kahler financial](https://kahlerfinancial.com/financial-awakenings/tag/kahler-financial) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Kahler Financial.
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- [2010 taxes](https://kahlerfinancial.com/financial-awakenings/tag/2010-taxes) - Click here to gain access to Kahler Financial’s blog post on the 2010 taxes and more information on President Obamas tax proposal.
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- [Real Estate Finance](https://kahlerfinancial.com/financial-awakenings/tag/real-estate-finance) - Today’s rising real estate prices and interest rates have sparked memories for me of the 1980s, when I made my living as a real estate broker. Those - Real...
- [best economy](https://kahlerfinancial.com/financial-awakenings/tag/best-economy) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Best Economy.
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- [Wall Street Journal](https://kahlerfinancial.com/financial-awakenings/tag/wall-street-journal) - A new survey shows 80% of Americans feel the nation’s economy is poor, and 78% think it will be worse for our children’s generation. It also repor - Wall...
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- [real rate of return](https://kahlerfinancial.com/financial-awakenings/tag/real-rate-of-return) - Is there anything more important than the overall rate of return you earn on your investment portfolio? Yes, there is. It’s the real rate of return. - real...
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- [1031 exchange](https://kahlerfinancial.com/financial-awakenings/tag/1031-exchange) - Click here to gain access to Kahler Financial’s blog post on the 1031 exchange proposed by President Barrack Obama
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- [caregivers](https://kahlerfinancial.com/financial-awakenings/tag/caregivers) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Caregivers.
- [health care funding](https://kahlerfinancial.com/financial-awakenings/tag/health-care-funding) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Health Care Funding.
- [Sudden Money](https://kahlerfinancial.com/financial-awakenings/tag/sudden-money) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Sudden Money.
- [Susan Bradley](https://kahlerfinancial.com/financial-awakenings/tag/susan-bradley) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Susan Bradley.
- [transitions](https://kahlerfinancial.com/financial-awakenings/tag/transitions) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Transition.
- [change](https://kahlerfinancial.com/financial-awakenings/tag/change) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Change.
- [elder advocacy](https://kahlerfinancial.com/financial-awakenings/tag/elder-advocacy) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Elder Advocacy
- [SECURE Act](https://kahlerfinancial.com/financial-awakenings/tag/secure-act) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Secure Act.
- [financial enabling](https://kahlerfinancial.com/financial-awakenings/tag/financial-enabling) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Financial Enabling.
- [CDs](https://kahlerfinancial.com/financial-awakenings/tag/cds) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: CD’s.
- [ridesharing](https://kahlerfinancial.com/financial-awakenings/tag/ridesharing) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Ridesharing.
- [scammers](https://kahlerfinancial.com/financial-awakenings/tag/scammers) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Scammers.
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- [MDMA Assisted Therapy](https://kahlerfinancial.com/financial-awakenings/tag/mdma-assisted-therapy) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: MDMA Assisted Therapy.
- [Holotropic Breathwork](https://kahlerfinancial.com/financial-awakenings/tag/holotropic-breathwork) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Holotropic Breathwork.
- [Neurofeedback](https://kahlerfinancial.com/financial-awakenings/tag/neurofeedback) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Neurofeedback.
- [Dr. Ben Sessa](https://kahlerfinancial.com/financial-awakenings/tag/dr-ben-sessa) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Dr. Ben Sessa.
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- [safe deposit box](https://kahlerfinancial.com/financial-awakenings/tag/safe-deposit-box) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Safe Deposit Box.
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- [Medicare For All](https://kahlerfinancial.com/financial-awakenings/tag/medicare-for-all) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Medicare for All.
- [financial transaction tax](https://kahlerfinancial.com/financial-awakenings/tag/financial-transaction-tax) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Financial Transaction Tips.
- [leases](https://kahlerfinancial.com/financial-awakenings/tag/leases) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Leases.
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- [credit card reward points](https://kahlerfinancial.com/financial-awakenings/tag/credit-card-reward-points) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Credit Card Reward Points.
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- [retirement money scripts](https://kahlerfinancial.com/financial-awakenings/tag/retirement-money-scripts) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Retirement Money Scripts.
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- [federal debt](https://kahlerfinancial.com/financial-awakenings/tag/federal-debt) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Federal Debt.
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- [requirement plan withdrawals](https://kahlerfinancial.com/financial-awakenings/tag/requirement-plan-withdrawals) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Requirement Plan Withdrawals.
- [life expectancy](https://kahlerfinancial.com/financial-awakenings/tag/life-expectancy) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Life Expectancy.
- [coronavirus](https://kahlerfinancial.com/financial-awakenings/tag/coronavirus) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Coronavirus.
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- [epidemics and world economy](https://kahlerfinancial.com/financial-awakenings/tag/epidemics-and-world-economy) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Epidemics and World Economy.
- [China](https://kahlerfinancial.com/financial-awakenings/tag/china) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: China.
- [bear market](https://kahlerfinancial.com/financial-awakenings/tag/bear-market) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Bear Market.
- [investment fears](https://kahlerfinancial.com/financial-awakenings/tag/investment-fears) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Investment Fears.
- [CFP Board](https://kahlerfinancial.com/financial-awakenings/tag/cfp-board) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: CFP Board.
- ["fee-based" advisors](https://kahlerfinancial.com/financial-awakenings/tag/fee-based-advisors) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Fee Based Advisors.
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- [David Brooks](https://kahlerfinancial.com/financial-awakenings/tag/david-brooks) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: David Brooks.
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- [stimulus payment](https://kahlerfinancial.com/financial-awakenings/tag/stimulus-payment) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Stimulus Payment.
- [CARES Act](https://kahlerfinancial.com/financial-awakenings/tag/cares-act) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Cares Act.
- [landlords](https://kahlerfinancial.com/financial-awakenings/tag/landlords) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Landlords.
- [state bankruptcy](https://kahlerfinancial.com/financial-awakenings/tag/state-bankruptcy) - Watch this video on YouTube Senate Majority Leader Mitch McConnell, R-Ky., recently made headlines suggesting states might be better off declaring bankruptcy…
- [bankruptcy](https://kahlerfinancial.com/financial-awakenings/tag/bankruptcy) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Bankruptcy.
- [state retirement plan](https://kahlerfinancial.com/financial-awakenings/tag/state-retirement-plan) - Senate Majority Leader Mitch McConnell, R-Ky., recently made headlines suggesting states might be better off declaring bankruptcy rather than expectin - stat...
- [state pension plan](https://kahlerfinancial.com/financial-awakenings/tag/state-pension-plan) - Watch this video on YouTube Senate Majority Leader Mitch McConnell, R-Ky., recently made headlines suggesting states might be…
- [downsizing](https://kahlerfinancial.com/financial-awakenings/tag/downsizing) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Downsizing.
- [PPP loans](https://kahlerfinancial.com/financial-awakenings/tag/ppp-loans) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: PPP Loans.
- [SBA](https://kahlerfinancial.com/financial-awakenings/tag/sba) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: SBA.
- [deficit](https://kahlerfinancial.com/financial-awakenings/tag/deficit) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Deficit.
- [modern monetary theory](https://kahlerfinancial.com/financial-awakenings/tag/modern-monetary-theory) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Modern Monetary Theory.
- [Work from home](https://kahlerfinancial.com/financial-awakenings/tag/work-from-home) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Work From Home.
- [virtual office](https://kahlerfinancial.com/financial-awakenings/tag/virtual-office) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Virtual Office.
- [Medicare Part D](https://kahlerfinancial.com/financial-awakenings/tag/medicare-part-d) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Medicare Part D.
- [tax avoidance](https://kahlerfinancial.com/financial-awakenings/tag/tax-avoidance) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Tax Avoidance.
- [fiat currency](https://kahlerfinancial.com/financial-awakenings/tag/fiat-currency) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Fiat Currency.
- [Schwab Wealth Survey](https://kahlerfinancial.com/financial-awakenings/tag/schwab-wealth-survey) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Schwab Wealth Survey.
- [Bernie Madoff](https://kahlerfinancial.com/financial-awakenings/tag/bernie-madoff) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Bernie Madoff.
- [presidential election](https://kahlerfinancial.com/financial-awakenings/tag/presidential-election) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Presidential Election.
- [virtual meetings](https://kahlerfinancial.com/financial-awakenings/tag/virtual-meetings) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Virtual Meetings.
- [Zoom](https://kahlerfinancial.com/financial-awakenings/tag/zoom) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Zoom.
- [holiday spending](https://kahlerfinancial.com/financial-awakenings/tag/holiday-spending) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Holiday Spending.
- [Christmas gifts](https://kahlerfinancial.com/financial-awakenings/tag/christmas-gifts) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Christmas Gifts.
- [fame](https://kahlerfinancial.com/financial-awakenings/tag/fame) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Fame.
- [money skills](https://kahlerfinancial.com/financial-awakenings/tag/money-skills) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Money Skills.
- [job loss](https://kahlerfinancial.com/financial-awakenings/tag/job-loss) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Job Loss.
- [Robinhood](https://kahlerfinancial.com/financial-awakenings/tag/robinhood) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Robinhood.
- [free lunch](https://kahlerfinancial.com/financial-awakenings/tag/free-lunch) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Free Lunch.
- [money and politics](https://kahlerfinancial.com/financial-awakenings/tag/money-and-politics) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Money and Politics.
- [short selling](https://kahlerfinancial.com/financial-awakenings/tag/short-selling) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Short Selling.
- [Reddit](https://kahlerfinancial.com/financial-awakenings/tag/reddit) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Reddit.
- [GameStop](https://kahlerfinancial.com/financial-awakenings/tag/gamestop) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: GameStop.
- [hedge funds](https://kahlerfinancial.com/financial-awakenings/tag/hedge-funds) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Hedge Funds.
- [eviction](https://kahlerfinancial.com/financial-awakenings/tag/eviction) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Eviction.
- [COVID-19 relief](https://kahlerfinancial.com/financial-awakenings/tag/covid-19-relief) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Covid-19 Relief.
- [tax preparation](https://kahlerfinancial.com/financial-awakenings/tag/tax-preparation) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Tax Preparation.
- [money avoidance](https://kahlerfinancial.com/financial-awakenings/tag/money-avoidance) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Money Avoidence.
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- [money vigilance](https://kahlerfinancial.com/financial-awakenings/tag/money-vigilance) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Money Vigilance.
- [mom and pop business](https://kahlerfinancial.com/financial-awakenings/tag/mom-and-pop-business) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Mom and Pop Business.
- [family-owned business](https://kahlerfinancial.com/financial-awakenings/tag/family-owned-business) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Family Owned Business.
- [hyperinflation](https://kahlerfinancial.com/financial-awakenings/tag/hyperinflation) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Hyperinflation.
- [Robert Bly](https://kahlerfinancial.com/financial-awakenings/tag/robert-bly) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Robert Bly.
- [women and business](https://kahlerfinancial.com/financial-awakenings/tag/women-and-business) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Women and Business.
- [Female business owners](https://kahlerfinancial.com/financial-awakenings/tag/female-business-owners) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Female Business Owners.
- [business financing](https://kahlerfinancial.com/financial-awakenings/tag/business-financing) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Business Financing.
- [catastrophe reinsurance](https://kahlerfinancial.com/financial-awakenings/tag/catastrophe-reinsurance) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Catastrophe Reinsurance.
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- [successor financial advisor](https://kahlerfinancial.com/financial-awakenings/tag/successor-financial-advisor) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Successor Financial Advisor.
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- [SDPB](https://kahlerfinancial.com/financial-awakenings/tag/sdpb) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: SDPB.
- [radio](https://kahlerfinancial.com/financial-awakenings/tag/radio) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Radio.
- [Laurie Walsh](https://kahlerfinancial.com/financial-awakenings/tag/laurie-walsh) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Laurie Walsh.
- [podcast](https://kahlerfinancial.com/financial-awakenings/tag/podcast) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Podcast.
- [estate executor](https://kahlerfinancial.com/financial-awakenings/tag/estate-executor) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Estate Executor.
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- [procrastination](https://kahlerfinancial.com/financial-awakenings/tag/procrastination) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Procrastination.
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- [Child Tax Credit](https://kahlerfinancial.com/financial-awakenings/tag/child-tax-credit) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Child Tax Credit.
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- [IRS](https://kahlerfinancial.com/financial-awakenings/tag/irs) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: IRS.
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- [ownership](https://kahlerfinancial.com/financial-awakenings/tag/ownership) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Ownership.
- [financial trauma](https://kahlerfinancial.com/financial-awakenings/tag/financial-trauma) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Financial Trauma.
- [Financial PTSD](https://kahlerfinancial.com/financial-awakenings/tag/financial-ptsd) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Financial PTSD.
- [spendthrift heir](https://kahlerfinancial.com/financial-awakenings/tag/spendthrift-heir) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Spendthrift Heir.
- [money and health](https://kahlerfinancial.com/financial-awakenings/tag/money-and-health) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Money and Health.
- [home title theft](https://kahlerfinancial.com/financial-awakenings/tag/home-title-theft) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Home Title Theft.
- [forgery](https://kahlerfinancial.com/financial-awakenings/tag/forgery) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Forgery.
- [home ownership](https://kahlerfinancial.com/financial-awakenings/tag/home-ownership) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Home Ownership.
- [King Midas](https://kahlerfinancial.com/financial-awakenings/tag/king-midas) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: King Midas.
- [money anxiety](https://kahlerfinancial.com/financial-awakenings/tag/money-anxiety) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Money Anxiety.
- [money and security](https://kahlerfinancial.com/financial-awakenings/tag/money-and-security) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Money and Security.
- [Social Security trust fund](https://kahlerfinancial.com/financial-awakenings/tag/social-security-trust-fund) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Social Security Trust Fund.
- [Social Security benefits](https://kahlerfinancial.com/financial-awakenings/tag/social-security-benefits) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Social Security Benefits.
- [domestic asset protection trusts](https://kahlerfinancial.com/financial-awakenings/tag/domestic-asset-protection-trusts) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Domestic Asset Protection Rule.
- [interior finance](https://kahlerfinancial.com/financial-awakenings/tag/interior-finance) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Interior Finance.
- [holistic financial planning](https://kahlerfinancial.com/financial-awakenings/tag/holistic-financial-planning) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Holistic Financial Planning.
- [bequests](https://kahlerfinancial.com/financial-awakenings/tag/bequests) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Bequests.
- [tax incentives](https://kahlerfinancial.com/financial-awakenings/tag/tax-incentives) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Tax Incentives.
- [consumer protection](https://kahlerfinancial.com/financial-awakenings/tag/consumer-protection) - The financial services field is one of the most regulated in the United States. I'm told that our regulations are as complex as those in the medical f - cons...
- [financial infidelity](https://kahlerfinancial.com/financial-awakenings/tag/financial-infidelity) - Do you keep secrets about your spending from your significant other? Research shows that 44% of partners do. Some money secrets within a coupleship ar - fina...
- [Bitcoin](https://kahlerfinancial.com/financial-awakenings/tag/bitcoin) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag: Bitcoin.
- [money and meaning](https://kahlerfinancial.com/financial-awakenings/tag/money-and-meaning) - What makes life worth living? This question is at the heart of financial life planning and financial therapy. - money and meaning...
- [life worth living](https://kahlerfinancial.com/financial-awakenings/tag/life-worth-living) - What makes life worth living? This question is at the heart of financial life planning and financial therapy. - life worth living...
- [intestate](https://kahlerfinancial.com/financial-awakenings/tag/intestate) - Estate planning matters. Not having a will can leave surviving family members to struggle with legal complexities, increased costs, and strained relat - inte...
- [financial comfort zone](https://kahlerfinancial.com/financial-awakenings/tag/financial-comfort-zone) - In a marriage or committed relationship, income and wealth inequality between partners present some challenges that don’t exist where the partners a - fina...
- [average earnings](https://kahlerfinancial.com/financial-awakenings/tag/average-earnings) - What would you guess the average American worker makes in a year? This is the question Nina Strohminger, professor of legal studies and business ethi - aver...
- [Wharton](https://kahlerfinancial.com/financial-awakenings/tag/wharton) - What would you guess the average American worker makes in a year? This is the question Nina Strohminger, professor of legal studies and business ethi - Whar...
- [average wage](https://kahlerfinancial.com/financial-awakenings/tag/average-wage) - What would you guess the average American worker makes in a year? – Average U.S. Salary and Your Financial Comfort Zone
- [art of money](https://kahlerfinancial.com/financial-awakenings/tag/art-of-money) - Bari Tessler was practicing financial therapy before most of the rest of us had ever heard the term. A psychotherapist, Bari decided to go into the bo - art ...
- [child support](https://kahlerfinancial.com/financial-awakenings/tag/child-support) - There is no Hall of Fame for single parents. There are no "Single Parent of the Year Awards." There should be. The challenges of being a single parent - chil...
- [workaholism](https://kahlerfinancial.com/financial-awakenings/tag/workaholism) - Are you a workaholic, or are you someone who works hard at what you love to do? Does the distinction really matter? As a recovering workaholic who l - work...
- [financial dependency](https://kahlerfinancial.com/financial-awakenings/tag/financial-dependency) - Do you rely on others for the bulk of your monthly income? If so, it’s possible your relationship with money may be suffering. – financial dependency
- [money and domestic violence](https://kahlerfinancial.com/financial-awakenings/tag/money-and-domestic-violence) - Do you rely on others for the bulk of your monthly income? If so, it’s possible your relationship with money may be suffering. Many people experien - mone...
- [financial abuse](https://kahlerfinancial.com/financial-awakenings/tag/financial-abuse) - One serious risk to financial wellbeing in retirement that is difficult to talk about is financial exploitation. Someone whose cognitive abilities are - fina...
- [financial guru](https://kahlerfinancial.com/financial-awakenings/tag/financial-guru) - Are you financially dependent on a financial advisor who views themselves as a financial guru, has "the answers," demands loyalty and compliance to th - fina...
- [dependent personality disorder](https://kahlerfinancial.com/financial-awakenings/tag/dependent-personality-disorder) - Are you financially dependent on a financial advisor who views themselves as a financial guru, has "the answers," demands loyalty and compliance to th - depe...
- [Facilitating Financial Health](https://kahlerfinancial.com/financial-awakenings/tag/facilitating-financial-health) - Do you rely on others for the bulk of your monthly income? If so, it’s possible your relationship with money may be suffering. Many people experien - Faci...
- [health care POA](https://kahlerfinancial.com/financial-awakenings/tag/health-care-poa) - For decades, financial experts like myself have implored you to have a health care power of attorney. Now, some health care experts say you don’t ne - heal...
- [cognitive bias](https://kahlerfinancial.com/financial-awakenings/tag/cognitive-bias) - Explore insights on cognitive bias and how it affects financial decision-making at Kahler Financial. Improve your financial awareness today.
- [Dalbar](https://kahlerfinancial.com/financial-awakenings/tag/dalbar) - Regardless of the facts, our perception is our reality. This is especially true when it comes to investing, where we often make decisions based on the - Dalb...
- [money trauma](https://kahlerfinancial.com/financial-awakenings/tag/money-trauma) - The focus is shifting from "living through Covid" as a pandemic requiring an emergency response to "living with Covid" as an ongoing health concern. - mone...
- [supply chain](https://kahlerfinancial.com/financial-awakenings/tag/supply-chain) - The focus is shifting from "living through Covid" as a pandemic requiring an emergency response to "living with Covid" as an ongoing health concern. - supp...
- [money lies](https://kahlerfinancial.com/financial-awakenings/tag/money-lies) - Someone who wouldn’t dream of betraying their spouse or partner by having an illicit affair may be risking the relationship in another way: by commi - mone...
- [philanthropy](https://kahlerfinancial.com/financial-awakenings/tag/philanthropy) - American societal money scripts around estate planning appear to be "Good parents leave everything to family," and "The more money I can leave my kids - phil...
- [fraud](https://kahlerfinancial.com/financial-awakenings/tag/fraud) - All of us make money mistakes and have to deal with the consequences. Yet when a bad financial choice crosses the line into something unethical or ill - frau...
- [David McSwane](https://kahlerfinancial.com/financial-awakenings/tag/david-mcswane) - Recently I've seen several stories suggesting that "capitalists" cashed in on the pandemic and were responsible for the deaths of thousands of America - Davi...
- [Money and meditation](https://kahlerfinancial.com/financial-awakenings/tag/money-and-meditation) - What does meditation have to do with money? By becoming aware of our thoughts and feelings, we are more likely to make financial decisions that are co - Mone...
- [Meditation](https://kahlerfinancial.com/financial-awakenings/tag/meditation) - What does meditation have to do with money? By becoming aware of our thoughts and feelings, we are more likely to make financial decisions that are co - Medi...
- [Mindfulness](https://kahlerfinancial.com/financial-awakenings/tag/mindfulness) - What does meditation have to do with money? By becoming aware of our thoughts and feelings, we are more likely to make financial decisions that are co - Mind...
- [Mindfulness meditation](https://kahlerfinancial.com/financial-awakenings/tag/mindfulness-meditation) - In the financial therapy program that I co-founded in 2007 with Dr. Ted Klontz, we taught and practiced a lot of “mindfulness” meditation.
- [grief](https://kahlerfinancial.com/financial-awakenings/tag/grief) - Explore expert advice and resources on managing grief and financial challenges at Kahler Financial.
- [grieving](https://kahlerfinancial.com/financial-awakenings/tag/grieving) - Find support and financial guidance for navigating grief and loss at Kahler Financial
- [DSM-V](https://kahlerfinancial.com/financial-awakenings/tag/dsm-v) - One of the emotions—or more accurately, the constellation of many emotions—that financial planners often must help clients deal with is grief. I - DSM-...
- [money and grief](https://kahlerfinancial.com/financial-awakenings/tag/money-and-grief) - The financial aspects of personal losses may range from a severe reduction in family income because of a divorce or the death of a wage earner, to the - mone...
- [financial losses](https://kahlerfinancial.com/financial-awakenings/tag/financial-losses) - It’s common to think about grief primarily as a response to a single, shattering loss like the death of a loved one, a divorce, or a terminal diagno - fina...
- [single parents](https://kahlerfinancial.com/financial-awakenings/tag/single-parents) - There is no Hall of Fame for single parents. There are no "Single Parent of the Year Awards." There should be. The challenges of being a single parent - sing...
- [daycare](https://kahlerfinancial.com/financial-awakenings/tag/daycare) - There is no Hall of Fame for single parents. There are no "Single Parent of the Year Awards." There should be. The challenges of being a single parent - dayc...
- [great resignation](https://kahlerfinancial.com/financial-awakenings/tag/great-resignation) - There is no Hall of Fame for single parents. There are no "Single Parent of the Year Awards." There should be. The challenges of being a single parent - grea...
- [WalletHub](https://kahlerfinancial.com/financial-awakenings/tag/wallethub) - My CFP peers across the nation are probably tired of hearing me sing the praises of living in South Dakota. One of them recently emailed some disturbi - Wall...
- [financial habits](https://kahlerfinancial.com/financial-awakenings/tag/financial-habits) - My CFP peers across the nation are probably tired of hearing me sing the praises of living in South Dakota. – financial habits
- [financial knowledge](https://kahlerfinancial.com/financial-awakenings/tag/financial-knowledge) - My CFP peers across the nation are probably tired of hearing me sing the praises of living in South Dakota. – financial knowledge
- [speculation](https://kahlerfinancial.com/financial-awakenings/tag/speculation) - Let’s start with the disclosure: I enjoy betting—though I’m too frugal to ever risk more than maybe 20 bucks. I’ve wagered on World Cup soccer - spec...
- [Machiavellianism](https://kahlerfinancial.com/financial-awakenings/tag/machiavellianism) - Given the speculative gamble of cryptocurrency, there is no evidence-based reason that long-term investors would include it in their portfolios. What - Mach...
- [psychopathy](https://kahlerfinancial.com/financial-awakenings/tag/psychopathy) - Given the speculative gamble of cryptocurrency, there is no evidence-based reason that long-term investors would include it in their portfolios. What - psyc...
- [narcissism](https://kahlerfinancial.com/financial-awakenings/tag/narcissism) - Given the speculative gamble of cryptocurrency, there is no evidence-based reason that long-term investors would include it in their portfolios. What - narc...
- [personality types](https://kahlerfinancial.com/financial-awakenings/tag/personality-types) - Given the speculative gamble of cryptocurrency, there is no evidence-based reason that long-term investors would include it in their portfolios. What - pers...
- [financial denial](https://kahlerfinancial.com/financial-awakenings/tag/financial-denial) - Denial around money matters can result in serious financial harm. So why do so many people live in denial or avoidance when it comes to money? Because - fina...
- [denial](https://kahlerfinancial.com/financial-awakenings/tag/denial) - - denial...
- [money stress](https://kahlerfinancial.com/financial-awakenings/tag/money-stress) - Denial around money matters can result in serious financial harm. So why do so many people live in denial or avoidance when it comes to money? Because - mone...
- [emotional wellbeing](https://kahlerfinancial.com/financial-awakenings/tag/emotional-wellbeing) - A core purpose of my work in financial planning and financial therapy is to help clients achieve and maintain financial wellbeing. What is that, exact - emot...
- [financial anxiety](https://kahlerfinancial.com/financial-awakenings/tag/financial-anxiety) - In today’s fast-paced world, where financial decisions come quickly and stress can run high, slowing down and checking in with your emotional well-b - fina...
- [financial stress](https://kahlerfinancial.com/financial-awakenings/tag/financial-stress) - A divorce. A house fire. A serious accident or illness. The death of a family member. Caring for elderly parents. Life events like these are some of t - fina...
- [Gaining Perspective](https://kahlerfinancial.com/financial-awakenings/tag/gaining-perspective) - - Gaining Perspective...
- [CFP Book](https://kahlerfinancial.com/financial-awakenings/tag/cfp-book) - - CFP Book...
- [Psychology of Financial Planning](https://kahlerfinancial.com/financial-awakenings/tag/psychology-of-financial-planning) - - Psychology of Financial Planning...
- [vow of poverty](https://kahlerfinancial.com/financial-awakenings/tag/vow-of-poverty) - Last week we explored one type of money belief, an unconscious vow of poverty that can lead to self-sabotage and harmful behaviors around money. But - vow ...
- [Gandhi](https://kahlerfinancial.com/financial-awakenings/tag/gandhi) - Last week we explored one type of money belief, an unconscious vow of poverty that can lead to self-sabotage and harmful behaviors around money. But - Gand...
- [money and religion](https://kahlerfinancial.com/financial-awakenings/tag/money-and-religion) - “But we can’t cut back our giving; they depend on us.” A retired couple wanted to continue giving generously to their church, even though it wou - mone...
- [business failures](https://kahlerfinancial.com/financial-awakenings/tag/business-failures) - How would you feel to learn your financial planner came close to bankruptcy five times in his life? – business failures…
- [business mistakes](https://kahlerfinancial.com/financial-awakenings/tag/business-mistakes) - How would you feel to learn your financial planner came close to bankruptcy five times in his life? – business mistakes…
- [money truths](https://kahlerfinancial.com/financial-awakenings/tag/money-truths) - “What is true about money?” A flippant answer to this question might be something like, “That I ought to have more of it.” Going a little deep - mone...
- [Financial Planning 3.0](https://kahlerfinancial.com/financial-awakenings/tag/financial-planning-3-0) - “What is true about money?” A flippant answer to this question might be something like, “That I ought to have more of it.” Going a little deep - Fina...
- [financial crisis](https://kahlerfinancial.com/financial-awakenings/tag/financial-crisis) - Last week I addressed the gravity of the increased risk of suicide after experiencing a personal financial crisis. – financial crisis
- [suicide](https://kahlerfinancial.com/financial-awakenings/tag/suicide) - Last week I addressed the gravity of the increased risk of suicide after experiencing a personal financial crisis. This underscores the seriousness wi - suic...
- [financial risk](https://kahlerfinancial.com/financial-awakenings/tag/financial-risk) - Last week I addressed the gravity of the increased risk of suicide after experiencing a personal financial crisis. – financial risk
- [cybercurrency](https://kahlerfinancial.com/financial-awakenings/tag/cybercurrency) - The possibility of suicide over financial stress is not something I’ve written about in 31 years as a columnist. Yet, it ranks as a significant cont - cybe...
- [fee for service](https://kahlerfinancial.com/financial-awakenings/tag/fee-for-service) - I recently had a somewhat difficult conversation with a vendor about the hourly fee she charged me. The challenge? Convincing her to raise her rates. - fee f...
- [fee increase](https://kahlerfinancial.com/financial-awakenings/tag/fee-increase) - I recently had a somewhat difficult conversation with a vendor about the hourly fee she charged me. The challenge? Convincing her to raise her rates. - fee i...
- [senior living](https://kahlerfinancial.com/financial-awakenings/tag/senior-living) - One popular money script is, “I need to leave an inheritance to my kids.” Yet choices that parents make based on this money script can actually re - seni...
- [retirement community](https://kahlerfinancial.com/financial-awakenings/tag/retirement-community) - An essential component of planning for retirement and old age is building financial resources to pay for long-term care. Yet having enough money is no - reti...
- [home buying](https://kahlerfinancial.com/financial-awakenings/tag/home-buying) - A few weeks ago, an anti-trust lawsuit against the National Association of Realtors (NAR) was settled for 419 million dollars. News reports announced - home...
- [financial inequality](https://kahlerfinancial.com/financial-awakenings/tag/financial-inequality) - References to income and wealth inequality generally focus on how unevenly income and wealth are distributed throughout a population.
- [financially unequal couples](https://kahlerfinancial.com/financial-awakenings/tag/financially-unequal-couples) - Last week I described three common dynamics in couples where one partner is much wealthier than the other. – financially unequal couples
- [news media](https://kahlerfinancial.com/financial-awakenings/tag/news-media) - Behavior like selling out of the stock market or going all-in, solely on one’s political beliefs and biases, is almost always a recipe for financial - news...
- [confirmation bias](https://kahlerfinancial.com/financial-awakenings/tag/confirmation-bias) - Back in June 2022, news headlines and social media were screaming about the 9.1% inflation rate. Eighteen months later, in December 2023, inflation wa - conf...
- [media bias](https://kahlerfinancial.com/financial-awakenings/tag/media-bias) - Last week’s column focused on the challenge for financial advisors, in our current divided and chaotic political landscape, to provide accurate econ - medi...
- [ESG investing](https://kahlerfinancial.com/financial-awakenings/tag/esg-investing) - Aligning your stated values and your spending is something I encourage as part of financial wellness. It isn’t always easy to do, especially with in - ESG ...
- [climate change](https://kahlerfinancial.com/financial-awakenings/tag/climate-change) - Aligning your stated values and your spending is something I encourage as part of financial wellness. It isn’t always easy to do, especially with in - clim...
- [investing and values](https://kahlerfinancial.com/financial-awakenings/tag/investing-and-values) - Some years ago, one of my clients was holding onto some tech stock that had been a losing investment. She was reluctant to give it up because the comp - inve...
- [KMSI-R](https://kahlerfinancial.com/financial-awakenings/tag/kmsi-r) - Recently a financial professional asked me, “Rick, what is your money script?” I was a bit baffled and responded, “I have well over 100, not jus - KMSI...
- [KMBI-R](https://kahlerfinancial.com/financial-awakenings/tag/kmbi-r) - Since the term "money scripts" was first published in my co-authored book Conscious Finance in 2005, my views on the formation and intent of money scr - KMBI...
- [porch pirates](https://kahlerfinancial.com/financial-awakenings/tag/porch-pirates) - Financial scams and con artists have probably been around at least as long as people have using money. In the past when I read stories about scams, I - porc...
- [checks](https://kahlerfinancial.com/financial-awakenings/tag/checks) - Financial scams and con artists have probably been around at least as long as people have using money. In the past when I read stories about scams, I - chec...
- [conscious giving](https://kahlerfinancial.com/financial-awakenings/tag/conscious-giving) - “But we can’t cut back our giving; they depend on us.” A retired couple wanted to continue giving generously to their church, even though it wou - cons...
- [Ebenezer Scrooge](https://kahlerfinancial.com/financial-awakenings/tag/ebenezer-scrooge) - In A Christmas Carol, Charles Dickens vividly brought to life one of fiction’s most famous misers, Ebenezer Scrooge. The common view is that Scrooge - Eben...
- [credit card debt](https://kahlerfinancial.com/financial-awakenings/tag/credit-card-debt) - Whenever the Federal Reserve announces a change in the federal funds rate, it’s big news. Financial pundits and journalists analyze the likely impac - cred...
- [interest expense](https://kahlerfinancial.com/financial-awakenings/tag/interest-expense) - What was the most expensive single item on your Christmas shopping list? That special gift for your partner? The latest electronic gizmo for your teen - inte...
- [holiday giving](https://kahlerfinancial.com/financial-awakenings/tag/holiday-giving) - Cancel culture has caught up with this year’s Christmas column. I can’t bring myself to write another column with sensible guidance we all know an - holi...
- [impulse buying](https://kahlerfinancial.com/financial-awakenings/tag/impulse-buying) - What was the most expensive single item on your Christmas shopping list? That special gift for your partner? The latest electronic gizmo for your teen - impu...
- [shopping](https://kahlerfinancial.com/financial-awakenings/tag/shopping) - What was the most expensive single item on your Christmas shopping list? That special gift for your partner? The latest electronic gizmo for your teen - shop...
- [payment apps](https://kahlerfinancial.com/financial-awakenings/tag/payment-apps) - The simple and easy online payment apps like Venmo, Zelle, PayPal, Google Pay, and Apple Pay may be in for a complex transformation if the IRS has its - paym...
- [Venmo](https://kahlerfinancial.com/financial-awakenings/tag/venmo) - The simple and easy online payment apps like Venmo, Zelle, PayPal, Google Pay, and Apple Pay may be in for a complex transformation if the IRS has its - Venm...
- [PayPal](https://kahlerfinancial.com/financial-awakenings/tag/paypal) - The simple and easy online payment apps like Venmo, Zelle, PayPal, Google Pay, and Apple Pay may be in for a complex transformation if the IRS has its - PayP...
- [Zelle](https://kahlerfinancial.com/financial-awakenings/tag/zelle) - The simple and easy online payment apps like Venmo, Zelle, PayPal, Google Pay, and Apple Pay may be in for a complex transformation if the IRS has its - Zell...
- [Google Pay](https://kahlerfinancial.com/financial-awakenings/tag/google-pay) - The simple and easy online payment apps like Venmo, Zelle, PayPal, Google Pay, and Apple Pay may be in for a complex transformation if the IRS has its - Goog...
- [Apple Pay](https://kahlerfinancial.com/financial-awakenings/tag/apple-pay) - The simple and easy online payment apps like Venmo, Zelle, PayPal, Google Pay, and Apple Pay may be in for a complex transformation if the IRS has its - Appl...
- [business income](https://kahlerfinancial.com/financial-awakenings/tag/business-income) - The simple and easy online payment apps like Venmo, Zelle, PayPal, Google Pay, and Apple Pay may be in for a complex transformation if the IRS has its - busi...
- [New Year's Resolutions](https://kahlerfinancial.com/financial-awakenings/tag/new-years-resolutions) - Financial New Year’s resolutions are a common phenomenon this time of year—especially for anyone who overdid the holiday spending and who knows th - New ...
- [password manager](https://kahlerfinancial.com/financial-awakenings/tag/password-manager) - Using the same passwords makes you a target for hackers. Check out Rick Kahler's interview with Click on Detroit. - password manager...
- [internet safety](https://kahlerfinancial.com/financial-awakenings/tag/internet-safety) - Using the same passwords makes you a target for hackers. Check out Rick Kahler's interview with Click on Detroit. - internet safety...
- [online safety](https://kahlerfinancial.com/financial-awakenings/tag/online-safety) - Using the same passwords makes you a target for hackers. Check out Rick Kahler's interview with Click on Detroit. - online safety...
- [passwords](https://kahlerfinancial.com/financial-awakenings/tag/passwords) - Using the same passwords makes you a target for hackers. Check out Rick Kahler's interview with Click on Detroit. - passwords...
- [password keeper](https://kahlerfinancial.com/financial-awakenings/tag/password-keeper) - Using the same passwords makes you a target for hackers. Check out Rick Kahler's interview with Click on Detroit. - password keeper...
- [LTC Insurance](https://kahlerfinancial.com/financial-awakenings/tag/ltc-insurance) - If you want to stop a conversation cold, just ask a group of friends, “Do you ever worry that you might outlive your retirement income?” The respo - LTC ...
- [aging in place](https://kahlerfinancial.com/financial-awakenings/tag/aging-in-place) - If your elderly mom needs assistance with daily money matters, but you live three states away, where do you find the help she needs? For years the bes - agin...
- [credit reports](https://kahlerfinancial.com/financial-awakenings/tag/credit-reports) - The style of a recent email I received from a client made me laugh—even though the subject matter wasn’t funny. “Hi Rick! We received a letter - cred...
- [online security](https://kahlerfinancial.com/financial-awakenings/tag/online-security) - The style of a recent email I received from a client made me laugh—even though the subject matter wasn’t funny. “Hi Rick! We received a letter - onli...
- [advisor commisions](https://kahlerfinancial.com/financial-awakenings/tag/advisor-commisions) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag advisor commisions.
- [transparency](https://kahlerfinancial.com/financial-awakenings/tag/transparency) - In writing last week about hidden “junk fees,” I ended with a recommendation. Before choosing a phone plan, booking a hotel stay, buying an airlin - tran...
- [tenants](https://kahlerfinancial.com/financial-awakenings/tag/tenants) - Given that I’ve been a landlord since I bought my first rental house at age 19, I was surprised to realize recently that I’ve never written about - tena...
- [rent controls](https://kahlerfinancial.com/financial-awakenings/tag/rent-controls) - Every cat in my house will be relieved when the election is over. It annoys them when I shout back at political ads and interviews about misguided eco - rent...
- [gambling](https://kahlerfinancial.com/financial-awakenings/tag/gambling) - Free Financial Insight!! View professional blogs from Kahler Financial representatives with the tag gambling.
- [title monitoring](https://kahlerfinancial.com/financial-awakenings/tag/title-monitoring) - Even after 40 years in financial planning, I constantly learn new things, often from readers. My most recent teacher was Eugenia (Gene) Thornton, the - titl...
- [Coupleship Inc.](https://kahlerfinancial.com/financial-awakenings/tag/coupleship-inc) - The last thing most financial planners set out to be is a therapist for couples. Our training focuses on strategies for building wealth, retirement pl - Coup...
- [money privacy](https://kahlerfinancial.com/financial-awakenings/tag/money-privacy) - Do you keep secrets about your spending from your significant other? Research shows that 44% of partners do. Some money secrets within a coupleship ar - mone...
- [Hidden fees](https://kahlerfinancial.com/financial-awakenings/tag/hidden-fees) - In writing last week about hidden “junk fees,” I ended with a recommendation. Before choosing a phone plan, booking a hotel stay, buying an airlin - Hidd...
- [junk fees](https://kahlerfinancial.com/financial-awakenings/tag/junk-fees) - In writing last week about hidden “junk fees,” I ended with a recommendation. Before choosing a phone plan, booking a hotel stay, buying an airlin - junk...
- [Read fine print](https://kahlerfinancial.com/financial-awakenings/tag/read-fine-print) - In writing last week about hidden “junk fees,” I ended with a recommendation. Before choosing a phone plan, booking a hotel stay, buying an airlin - Read...
- [financial panic](https://kahlerfinancial.com/financial-awakenings/tag/financial-panic) - Inflation numbers continue to cause pain in the pocketbook, and the Federal Reserve further signals about corrective action to slow inflation. That ki - fina...
- [SDPB Radio](https://kahlerfinancial.com/financial-awakenings/tag/sdpb-radio) - Inflation numbers continue to cause pain in the pocketbook, and the Federal Reserve further signals about corrective action to slow inflation. That ki - SDPB...
- [FDIC](https://kahlerfinancial.com/financial-awakenings/tag/fdic) - I’ve received more emails and calls from clients on the failure of SVB Bank than I did the stock market crash in April of 2020. That tells me there - FDIC...
- [bank failure](https://kahlerfinancial.com/financial-awakenings/tag/bank-failure) - I’ve received more emails and calls from clients on the failure of SVB Bank than I did the stock market crash in April of 2020. That tells me there - bank...
- [SVB](https://kahlerfinancial.com/financial-awakenings/tag/svb) - I’ve received more emails and calls from clients on the failure of SVB Bank than I did the stock market crash in April of 2020. That tells me there - SVB...