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Specializing in financial planning for families
Investing
Blessings and Stewardship: A Christian Guide to Handling Inheritance
An inheritance is both a blessing and a weight. This Christian guide walks through the first decisions that matter most — avoiding hasty moves, handling debt and giving, navigating inherited IRAs under the SECURE Act 10-year rule, and building a legacy that honors both your family and your faith.
mkostelnik13
Aug 4, 20234 min read
Managing Your 401k During Career Transitions: A Faithful Approach to Financial Stewardship
Changing jobs? You have three options for your 401(k): leave it, roll it to your new employer, or roll it to an IRA. Here's how each option stacks up on fees, flexibility, and simplicity — and the stewardship question to ask before you decide.
mkostelnik13
Jul 4, 20233 min read
How to Invest Through a Market Downturn
Bear markets come and go. What separates investors who recover from those who don't is almost always behavior, not brilliance. A look at the common mistakes that turn temporary losses into permanent ones — and how to stay positioned for the recovery that always follows.
mkostelnik13
Apr 25, 20233 min read
In A Down Market, This Can Be a Good Move
Down markets feel painful — but they create one of the best tax planning opportunities of the year. A short video on how to turn a paper loss into a real tax benefit.
mkostelnik13
Jul 18, 20221 min read
What Does A Mutual Fund Cost?
Mutual funds aren't free — but the costs are often hidden in plain sight. A breakdown of share classes, sales loads, expense ratios, 12b-1 fees, and the difference between active and index funds. Because the fees you don't see are the ones that quietly cost you the most.
mkostelnik13
Sep 23, 20194 min read
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