Blog
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
Unlocking Financial Freedom: The Power of Early Investing
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...
Read More5 Tips for Saving on Back to School Items
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,...
Read More7 Habits of our Happy Clients
Want to know what our happy clients do?
Read MoreAnalysis Paralysis and Financial Planning
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?...
Read MoreThree Common Money Myths Millennials Believe
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...
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The Economy to your wallet
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...
Read MoreSaving Strategies: Steps for your Money
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...
Read MoreNEW YEAR NEW MONEY TIPS
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...
Read MoreYear End Financial Reviews
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...
Read MoreIs there ANYTHING I can Invest in right now?
Volatility in and of itself isn’t a reason to avoid investing
Read MoreBig Changes! IRA/401k, Tax Rates and Social Security
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...
Read MoreHow Business Women Have Been Balancing Work and Family Life
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...
Read MoreHighlighting Nathalia Christian
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...
Read More4 Resources for Black Business Owners
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....
Read More7 Habits of our Highly Successful Clients
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...
Read MoreNational Women’s Small Business Month
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...
Read MoreDo one stop shopping places like Amazon and Target make budgeting more difficult?
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,...
Read MoreIs Wealth Management only for the rich?
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...
Read MoreCelebrating Hispanic Heritage Month
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...
Read MoreCredit and Debt
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...
Read MoreRetail Therapy for Couples
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...
Read MoreWhat to look for in a Financial Advisor
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...
Read MoreCyber Security for You
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...
Read MoreEconomy vs Stock Market
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...
Read MoreCurrent Events and What Other Small Businesses Can Do
“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...
Read MoreLeadership in the time of a Pandemic: Why we need more compassionate bosses
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...
Read MoreTips for Working From Home
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...
Read MoreWrapping up African-American History Month
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...
Read MoreArticle: More than a resolution- A lifestyle change requires a budget
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...
Read More6 Ways To Entertain On A Budget
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...
Read MoreArticle: Financial Education for Kids- The Princess Dress
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...
Read More8 Tips on Holiday Spending and Saving
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...
Read MoreWomen's Small Business Month
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...
Read MoreWhat Type Of Life Insurance Is Right For You?
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...
Read More7 Money Tips For Back-To-School Shopping
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...
Read MoreTips for Traveling with Kids
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...
Read MoreDo’s and Don’ts for Summer Travel
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...
Read MoreHome Ownership Month!
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...
Read MoreTips on Graduation
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,...
Read MoreCelebrate Small Businesses!
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...
Read MoreWhat is Financial Literacy?
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...
Read MoreMy Industry Inspiration- Women’s History Month
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...
Read MoreValentine’s Day without breaking the bank: Even if you are single!
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...
Read MoreResolutions and the Crowded Gym Theory
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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