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About Scott Townsend, CFP®

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So far Scott Townsend, CFP® has created 18 blog entries.

Love & Money: Navigating Financial Conversations With Your Partner

By |2024-02-13T13:17:17-05:00February 13th, 2024|Investment Management, Retirement, The Blog @JGUA|

Perhaps you saw the recent article that draws a connection between merged finances and marital bliss. Researchers at Indiana University’s Kelly School of Business compared newly married couples who kept their finances separate with couples who merged their finances. They followed these couples for two years and concluded that those who merged their finances were [...]

Estate Planning Essentials: Crafting the Important Documents

By |2024-01-23T10:39:35-05:00January 22nd, 2024|The Blog @JGUA|

Perhaps your mom had a passion for cleanliness and organization as my mom did. “You created this mess, you need to clean it up” was a refrain I often heard. I’ve tried to carry this principle through my adult life. I don’t want to leave a mess for my wife, children, or co-worker to [...]

Enjoying a Timeshare Vacation without Breaking the Bank

By |2024-01-04T07:47:51-05:00January 4th, 2024|The Blog @JGUA|

My wife and I recently sat through a timeshare sales presentation. We received an attractive postcard in the mail a year ago with an invitation to stay at a wonderful resort in Orlando for a reduced rate. The only caveat was that we needed to attend a 90 minute sales presentation.  Our sales person [...]

Is My Retirement a Failure If I Go Back to Work?

By |2023-11-09T14:56:24-05:00November 7th, 2023|Retirement, The Blog @JGUA|

For more than twenty years you meticulously planned for this transition. As your career developed, you put in the hard work and made significant contributions to your company. All the while, in the back of your mind you anticipated the day you would be able to retire. That day arrived with great excitement and [...]

Financial Planning for the Sandwich Generation

By |2023-10-03T09:33:52-05:00October 3rd, 2023|Retirement, The Blog @JGUA|

I’m partial to the classic PB&J. Now mind you, it has to be freshly made (morning preparation for a noon lunch will not do, too soggy) and constructed properly, two slices of a good hearty bread with peanut butter thickly spread on both slices, and a dollop of fruit preserves in the middle (apricot is [...]

Helping Your Parents Age Gracefully – Care

By |2023-09-07T10:06:52-05:00September 5th, 2023|Retirement, The Blog @JGUA|

In a perfect world your parents would not need any help as they age gracefully, but we well know this is not a perfect world. There are some seniors who are mentally sharp and physically spry well into their nineties. But this is not typical. As they age, most seniors will need some help [...]

Helping Your Parents Age Gracefully – Finances

By |2023-09-07T10:50:01-05:00August 22nd, 2023|Retirement, The Blog @JGUA|

The last of the Baby Boomers (born 1946-1964) are contemplating retirement. The first of this generation are in their late seventies. For many of you, your parents are in this group, some from the previous generation (the Silent Generation were born 1928-1945). As they continue to mature, how can you help them age gracefully? [...]

Helping Your Parents Age Gracefully – The Approach

By |2023-07-25T08:30:14-05:00July 25th, 2023|Retirement, The Blog @JGUA|

Occasionally you will meet a ninety plus year old who is as mentally sharp as a chef’s paring knife and as spry as a forty year old. But this is uncommon. Most people in their nineties have either started to fade mentally or struggle to keep up physically, sometimes both. Old age catches up with [...]

The Formula for Your Perfect Car

By |2023-05-09T07:04:26-05:00May 9th, 2023|Starting Out, The Blog @JGUA|

Whenever I see one I’m caught off guard. I’m driving somewhere, minding my own business, and there it is. A forest green Mazda Miata with a tan rag top and tan leather seats (Standard transmission of course. Why would you have such a car with an automatic transmission?) My dream car. But I don’t own [...]

Laid Off: How to Respond With Confidence

By |2023-04-25T09:56:38-05:00April 25th, 2023|Retirement, Starting Out, The Blog @JGUA|

My dad spent his working career as a salesman for several notable companies in the grocery industry. 25 years ago company management decided their sales force was costing them too much and over several years cut it in half. My dad survived several rounds of layoffs but eventually his boss came to him with [...]

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