The Tousignant family really knows how to party.  This weekend we will haul everything stored in the garage out to the driveway so we can make the big decisions:

• Toss it forever?
• Replace it?
• Put it somewhere that makes it easier to access?

Our financial lives are no different. We need to make an annual review of everything from our mortgage to our homeowners insurance. This month's newsletter focuses on elements of the annual review.

While we're talking about garages, if yours is simply too small but you're waiting for lower prices to buy a different house, this video will walk you through the financial considerations. You must factor into your decision the inverse relationship between home prices and interest rates to come up with the true cost.

Call me if you'd like a personal analysis of how buying now versus later will play out for you.

Start your annual financial review with a free mortgage checkup. This four-part analysis consists of:

• Household Blended Debt Rate
• Identity Theft Exposure
• Credit Score Health & Improvements
• Equity Assessment

Yes, this service is both free and priceless.  This video gives all the details.

Call our office or visit our site to begin the process.

Few people in America don't have an insurance policy on something, whether their home, life, auto, or health. 

If you haven't evaluated your insurance needsand compared them to the policies you currently own, promise yourself you'll do so this year. A review will tell you:

• Whether you have the correct amount of insurance
• Whether there is a better way to insure 
• If you can spend less for more coverage
• If you have a risk that isn't insured or adequately insured

Don't know an agent or advisor? Give me a call and I'll refer you to specialists you can trust. 

With spring comes college acceptance letters and a lot of talk about how to fund a college education. 

If you don't have money in a 529 Savings Plan, look into what they offer. North Carolina residents who participate in this state's plan avoid taxes on the gains AND may be eligible for a tax deduction. But you're not limited to saving in your home state, so shop around.

If you're tempted to dip into home equity to fund college, call me for a free evaluation of the overall financial implications of this strategy.

No matter your circumstance, chances are I can help you make the best decision for YOU.

The NC plan is one of many. Reach out if you'd like me to help you find other options.