
Words of Wisdom

What is Deflation?
Deflation can signal a decrease in the market leading to potential unemployment increases, less consumer spending and less money going into the economy.

What is a Mutual Fund?
You have likely heard of mutual funds before and if you have an employer sponsored retirement plan (like a 401k), it is most likely invested in mutual funds.

WA State Capital Gains Tax
If you’re a Washington resident, you may have heard about a proposed capital gains tax bill for the state.

What You Need to Know About the Washington Long-Term Care Trust Act
If you are not yet aware of the Washington Long-Term Care Trust Act, buckle up.

Which Life Insurance is the Right Fit?
Life insurance is vital if someone depends on you to support them. If your income were to go away because you pass away, your loved ones need the financial security of continuing income.

Don’t Ignore Your 401(k)!
It’s easy to completely forget about your 401(k), but it’s a good idea to take a look at it at least annually because a lot of changes can happen in a year!

How to Save for a Vacation
Here are some ideas to help you save for a vacation without breaking the bank!

When Do You Have to Pay Capital Gains?
Regardless of where you are in your investing journey, it’s important to understand capital gains and what they mean for your accounts, when you have to pay them, and how this all shakes out at tax time.

How to Buy a Car
Getting a new vehicle is a huge and fun step! Should you go for the lease, save up enough cash to pay for the car outright, or buy the car using a loan?

Back to Basics with Bonds
We’re going to go back to basics and uncover some of the main features and objectives of bonds.

What Do You Need to File Your Taxes?
“When it comes to taxes, there are two types of people. There are those that get it done early, also known as psychopaths, and then the rest of us.” – Jimmy Kimmel

Should I Pay off My Student Loan With My Savings?
If you have some student loan debt, should you use your savings account to get rid of it?

Easy Ways to Save at the Grocery Store
I used to go into the store with absolutely no plan, buy whatever sounded good and ended up wasting a lot of food, which wasted my money. Here are some things I’ve learned to make grocery shopping a nice, pleasant experience and save money.

What Is the Difference Between a Traditional and Roth IRA?
There are many different retirement strategies, but the IRA and the Roth IRA are two of the most popular options. What’s the difference?

What the Heck Happened with GameStop?
Now that things have cooled off a little bit, let’s dig into what actually happened with GameStop and the concept of shorting stock.

When to Hire a Financial Advisor
How do you know it’s time to hire a financial advisor? Here are some situations in which you may benefit from hiring someone to help you.

How to Deal With a Partner Who Likes to Spend When You Don't
Having a partner who loves to shop can be difficult for those of us who guard money like the tiger at the entrance to the Cave of Wonders.

Personal Finance Books I Love
I don’t blame you if personal finance is at the very bottom of your reading list, but here are some of my favorites that were easy to read and entertaining.

Are You Making These Common Credit Card Mistakes?
Using credit cards can be a quick and easy way to purchase something with money you might not have. Below are some common mistakes that you can avoid to be smart with your credit card.

Why Having Just a 401(k) Isn’t Enough
You are an adult! You have a grown-up job! You went to a 30-minute meeting about retirement plans and signed up to put a percentage of your salary into something called a 401(k)!
Let’s Chat!
rosie@kerriganfinancial.com
(360) 918-9425
Kerrigan Financial Management
1601 Cooper Point Road NW
Olympia, WA 98502