By Dave Morrison, CFP | Treasure Valley Financial Planning | June 2026 | 4-minute read June has been a month of contradictions. The strongest business activity readings in over four years. Falling energy prices. A historic technology investment cycle. All of it arriving alongside a crypto selloff and the largest IPO in history. There is a lot happening right …
By JT Belnap | Treasure Valley Financial Planning | 2026 | 8-minute read I want to tell you about a conversation I have a few times a year. Someone calls us in February or March. They have just sat down with their tax return, and the number on the screen does not match the number in their head. They …
By JT Belnap | Treasure Valley Financial Planning | 2026 | 7-minute read I’ve had this conversation more times than I can count. Someone comes in to talk about their RSUs or their 401k or their retirement date. We get into the details of their financial picture. Things are going well. And then I ask the question I always …
By JT Belnap | Treasure Valley Financial Planning | 2026 | 5-minute read They say a checkbook and a calendar never lie. If that’s true, and I believe it is, then we should occasionally stop and ask ourselves an honest question: if an impartial observer tallied up how you spend your time and your money, what would they say …
By JT Belnap | Treasure Valley Financial Planning | 2026 | 6-minute read You didn’t imagine it. Things really are more expensive. I know that sounds obvious. But I say it because a lot of people I talk to feel like they should have adjusted by now. Like the frustration they feel at the grocery store or the gas …
We are excited to share our review of 2023, which we call “Signal in the Noise.” This phrase is comprised of two important components: Signal is meaningful information, and Noise is the random, often unwanted, distraction that interferes with the signal itself. In a world filled exclusively with “breaking news,” it can be difficult to maintain the long-term perspective required …
As we approach the merger between TD Ameritrade and Charles Schwab, we’ve spoken with several clients that have asked why we’re changing companies. Please know that your TVFP team and company are not changing. As independent advisors, we choose which 3rd party custodian is entrusted to hold our client’s assets. We are confident in the Schwab platform’s capabilities, and we’ve …
Charles Schwab Transition Update As you may be aware, in 2019, The Charles Schwab Corporation acquired TD Ameritrade and its related businesses. Since then, they have been working diligently behind the scenes to facilitate the seamless transition of TD Ameritrade accounts to Schwab. By now or sometime soon, you will receive a letter or email from TD Ameritrade Institutional outlining …
By JT Belnap | Treasure Valley Financial Planning | 2026 | 7-minute read I’m a little biased. I live here. I chose to build my firm here. And I genuinely believe the Treasure Valley is one of the best places in the country to retire. But I also want to give you an honest answer, not a sales pitch. …
By JT Belnap | Treasure Valley Financial Planning | 2026 | 7-minute read We still see it all the time. People who give generously to causes they care about, writing checks out of their own pocket, year after year. And when we ask why they haven’t explored other options, the answer is almost always the same: “I figured there …
