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What’s on our mind? What's going on at KMH? You can read about it in our blog: Relevant Money

Whether it’s ideas from the investment services world or concepts from the financial industry, you can read about it here. And once in a while, we may throw in some fun tips or a surprise. So keep checking in. We’re glad to have you and as always, please feel free to contact us with any questions

Thursday, April 30, 2026

Financial Literacy Month: Why It Matters More Than Ever April’s Financial Literacy Month is a timely reminder that understanding money is no longer optional, it’s essential because the data tells a concerning story. U.S. adults...

Wednesday, December 17, 2025

As the year draws to a close, it’s an ideal time to review your finances and address key items that can impact your financial health. A proactive year-end financial checkup can help reduce stress and set clear priorities for the year...

Thursday, October 2, 2025

If you’re getting close to retirement, today’s economy may feel unsettling. Between rising prices, fluctuating markets, and uncertainty about interest rates, it’s common to wonder whether your retirement plans are still on track. The...

Thursday, August 28, 2025

At KMH Financial, we know that large bills like President Trump’s “One Big Beautiful Bill Act” (OBBBA) can feel overwhelming, especially considering that it weighed in at over 870 pages. So, we want to highlight what it could mean for...

Wednesday, May 21, 2025

New enhancements for Retirement contributions are coming! These are designed to benefit older workers, providing opportunities to bolster retirement funds as they approach retirement age. What Are Catch-Up Contributions? Catch-up...

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Monday, April 7, 2025

Federal workers have been facing wide spread layoffs that have been very stressful for the employee and their families. We created a Financial Checklist of things to think about if you are getting laid off or are concerned about being...

Tuesday, August 13, 2024

As a successful mid-career partner in a professional services firm, you’ve likely spent years honing your skills, building your client base, and achieving a level of financial success that many only dream of. However, with this success...

Monday, May 13, 2024

The month of May is dedicated to small businesses around the world. Forbes says nearly half of all U.S. employees are employed by a small business. Small businesses have added over 12.9 million jobs in the last 25 years. These...

Tuesday, April 23, 2024

April marks Financial Literacy Month, a time to highlight the crucial role that understanding basic financial concepts plays in shaping our future. In an age where managing money is increasingly complex, possessing financial literacy...

Tuesday, March 19, 2024

As we celebrate Women's History Month, it's crucial to acknowledge the strides women have made in financial independence and investment. Recent statistics highlight the significant role women play in saving and investing. According to...

Wednesday, December 13, 2023

Year-end financial planning is crucial for setting yourself up for a confident financial future. Every year we spend hundreds (if not thousands!!) of hours helping our clients with planning. We've compiled a list of five key steps that...

Wednesday, October 25, 2023

As the leaves turn to vibrant shades of red and gold, and the cool breeze of autumn fills the air, October brings us a special reminder - it's Financial Planning Month! While it may not be as exciting as Halloween or Thanksgiving,...

Tuesday, August 29, 2023

August is National Investor's Month, a time dedicated to enhancing your financial literacy and empowering you to take control of your financial future. One of the most impactful ways to secure your financial well-being is by investing...

Monday, July 17, 2023

Going back to school is a mix of exciment to get the kids back in a good routine and also sadness that the summer is over. However, sometimes parents may dread the financial burden.Between school supplies, books, and new clothes,...

Tuesday, June 6, 2023

Want to know what our happy clients do?

Thursday, May 4, 2023

When given many choices, the human brain will choose the path of least resistance which is why many people often put off making financial decisions. There are thousands of investments out there. Which is the best? How would you know?...

Tuesday, April 4, 2023

1. You need to monitor the stock market dailyThe information provided by the day to day stock market movements isn’t as valuable as the longer term trends of the movements. Daily market swings, which can be volatile depending on...

Thursday, March 9, 2023

Each week, our clients receive a market commentary from us that’s done by the research team at LPL Financial. If you are reading this but are not a client, you might also be interested enough in your finances that you get some...

Tuesday, February 7, 2023

We are now into the second month of the year and you have had a chance to see if your New Year money habits are paying off. What if they aren’t?Two of the biggest mistakes that people make is not saving at all or going to...

Monday, January 9, 2023

 It’s a great feeling to start on your New Year’s resolutions and your money should have a place in those new goals! Here are some quick tips for setting money goals. 1. Look at your spending from 2022.Where are...

Thursday, December 1, 2022

While we are working hard on our end, we also recommend that you do your own financial review including insurance, contributions and other benefits. If you find that you have any questions, we are happy to chat any time!In the...

Thursday, November 10, 2022

Volatility in and of itself isn’t a reason to avoid investing

Wednesday, October 19, 2022

Last week Social Security stole the show with it’s announcement of an 8.7% Cost of Living Adjustment increase.There was speculation for weeks leading up to the announcements that the adjustment would be above 8%. The last...

Tuesday, April 26, 2022

Thursday, March 31, 2022

Wednesday, March 31, 2021

According to recent statistics, there are 114% more women entrepreneurs than there were 20 years ago. Business women are juggling work and family life on a daily basis. Although there have been major steps in discussions about equality...

Thursday, February 25, 2021

In celebration of Black History Month, we wanted to highlight Nathalia Christian who has been consulting with KMH Financial Services for several years now on marketing. Nathalia is biracial, White Hispanic and Black Hispanic, and fully...

Monday, February 22, 2021

As we continue celebrating Black History Month this February, we’d like to take some time to focus on Black-owned businesses. According to recent studies, there are more than 2 million Black-owned businesses in the United States....

Tuesday, November 17, 2020

With the increased volatility of 2020, many people have asked us how to handle all the changes and what successful clients have done. Below we have compiled 7 things that our most successful clients do that keeps them on track! They...

Tuesday, October 27, 2020

National Women’s Small Business Month looks a little different this year. More than 54 percent of women owned business were scared they would have to permanently close their doors due to the pandemic. According to a study done by...

Thursday, October 15, 2020

Kara Herman Fransted is the Chief Operations Officer at KMH Financial Services, LLC. I admit that I am a huge lover of Amazon and Target. It’s wonderfully convenient to buy everything you need all in one place and even better,...

Thursday, October 1, 2020

The answer is: No. The term “Wealth Management” can be misleading and comes with a connotation that you actually have to have wealth… private planes, fancy cars, and a house in the Hamptons. Actually, Wealth...

Wednesday, September 23, 2020

The History National Hispanic Month was established in 1968 and originally began as only a week of celebration. California Congressman George E. Brown first introduced the idea in order to bring more recognition to the contributions of...

Tuesday, September 8, 2020

I’m going to circle back around to credit because it is one of the things I get asked about most often. People want to get out of credit card debt, pay off student loans, houses or cars. But do you know in what order you should...

Wednesday, August 26, 2020

In this time of Corona virus where people are shuttered in their houses, sometimes the only fun thing people have to look forward to is what they bought online. I completely understand that. I’ve done it myself and stores like...

Tuesday, August 4, 2020

We talk about this question a lot when we think about what kind of practice we want to have. The fact of the matter is that there are a lot of good Advisors out there and what is a good fit for one person may not be a good fit for...

Monday, July 27, 2020

One of the things that we spend a lot of time doing is making sure that we are up to date on new policies, technology, and security. Last week I attended a session on cyber security given by a retired FBI agent. I generally think of...

Thursday, July 2, 2020

We have gotten many questions from clients about the disconnect between the tanking economy and the surging stock market. If you haven’t seen the business news lately, the market had an amazing second quarter while economic...

Friday, June 5, 2020

“I can’t breathe...” Those were some of George Floyd’s last words, and words that were soon heard all across the world. Over the last week the KMH Financial Services team has been discussing the harm of hatred...

Monday, June 1, 2020

My female friends have jobs of every type and with that comes bosses of every type. Some are struggling to pretend that they don’t have a family while their boss pushes them for more zoom meetings. Few have bosses who understand...

Tuesday, March 24, 2020

Some suggestions for being productive and working from your home I’ve had a home office for 24 years, way before it was a popular option, or a current forced option. In the last 17 years I have had my own business and during...

Thursday, February 27, 2020

As African-American History Month comes to end, we wanted to shed some light on the crucial role African Americans have played in the financial world. Here are only a few of those moments in financial history: In 1778,Richard Allen and...

Thursday, January 9, 2020

I don't know about you but my Instagram is flooded with people posting their new year’s resolutions. They include but are not limited to: spending more time with my kids, going to the gym, saving up for a new home. These stalwart...

Wednesday, December 18, 2019

Who doesn’t love a good party, right? As you find yourself going to more parties this holiday season, you may be inspired to host your own. However, throwing a party, or simply having friends over, isn’t always cheap. It...

Wednesday, December 4, 2019

One of our core philosophies at KMH Financial Services, LLC. is the education of the client to make informed decisions. Sadly, not only does our school system rarely teach financial literacy but most families find it to be a difficult...

Thursday, November 7, 2019

Don’t let money stand in the way of the most wonderful time of the year! Monitoring your spending and saving habits during the holidays can help alleviate financial stresses so you can enjoy this time with family and friends. As...

Wednesday, October 23, 2019

In honor of October being Women’s Small Business Month, I had the pleasure of interviewing small business owner Francine McMahon. Her perspective and insight into the business world serves as great advice for those who are...

Tuesday, September 10, 2019

Thinking about life insurance may be a little awkward and uncomfortable. Death is a subject that needs to be addressed to ensure that your family is taken care of in the event of a catastrophe. Contrary to popular belief, life...

Wednesday, August 7, 2019

Going back to school is an exciting time for kids, but parents dread the financial burden. Between school supplies, books, and new clothes, shopping for the upcoming month of August may seem overwhelming. We’re here to help...

Thursday, July 18, 2019

Some people view travelling with kids as a hassle, when in reality it’s one of the best experiences you can have as a family. If you don’t plan ahead, it can get expensive. There are steps you can take to prepare yourself...

Thursday, July 11, 2019

For some people, summer vacation is a time to explore new places, spend quality time with family, and make countless new memories. Whether you’re hitting the beach, going on a camping trip, or travelling to a new city, you want...

Thursday, June 13, 2019

For most people, owning a home is part of living the American dream. A home is seen as a safe environment to grow as a family and a place where you and your children can thrive. Remember, owning a home is a big commitment! Make sure...

Sunday, May 12, 2019

For many of you, May is graduation month! Whether you’re preparing for your own graduation or getting ready to celebrate a relative or friend’s special day, it’s an amazing accomplishment. Whatever the case may be,...

Thursday, May 2, 2019

2019 Small Business Statistics As of 2018, there are 30.2 million small businesses in the United States. Small businesses are an essential part of our economy’s backbone. Small businesses play a big role in creating new jobs and...

Tuesday, April 2, 2019

April is National Financial Literacy Month! The President’s Advisory Council on Financial Literacy defines it as, “the ability to use knowledge and skills to manage financial resources effectively for a lifetime of...

Tuesday, March 5, 2019

In honor of Women’s History Month, I would like to recognize a woman who made a tremendous impact on my life and my career; my grandmother, Grace E. Hyslop. Grace E. Hyslop was able to surpass all expectations and make her mark...

Monday, February 11, 2019

Some people make a big deal out of Valentine’s Day and some don’t really pay attention to it. Others use it as an opportunity for a “GAL”-entines get together or anti-Valentine’s day. No matter which...

Saturday, January 19, 2019

It is only the middle of January but I am noticing that the crowd at the gym is getting smaller as New Year's Resolutions begin to fade and the comfort of old routines return. This is the same story every year. I go to the gym, meet...

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