Resources Find Carol Hoffman quoted in the Wall Street Journal! Behind on Retirement Savings? It’s Not Too Late to Catch Up (WSJ, July 2018)We recommend the materials below as an introduction to some of the big topics you may be thinking about. Contact us directly with the specifics you'd like to discuss. Life Planning Answers to Your Questions About the New Tax Bill (WSJ, December 2017)What to Do at Your Current Life Stage (NYT, 2017)What to do now that hackers have your personal information (NYT, 2017)Free fraud alert set-up: Equifax, Experian, TransUnion, and Innovis.Credit freeze (not a "credit lock"): Free at Equifax. Costs $5-10 for the other three agencies. Do this only if you don't need to open a new loan or credit card in the near future, because it prevents any new credit lines under your name. Spend Less Than You EarnCPFP's Three-Bucket Spending Plan, 2017 (customizable Excel spreadsheet) Know Your Retirement AccountsUltimate Guide to Retirement Accounts, CNN Money What is a Roth IRA?, NerdWallet, 2017CPFP's Understanding IRAs Explainer, 2015 (PDF)CPFP's Roth Conversion Explainer, 2015 (PDF) Make an Impact7 Great Socially Responsible Mutual Funds (Kiplinger, 2016)CPFP's Donor-Advised Funds Explainer, 2015 (PDF)Save for EducationCPFP's Guide to College Savings Methods, 2017 (1-page PDF)Financial Aid 101 - The College Board, 2016Federal student loan programs guide - StudentAid.gov, 2014Expected Family Contribution (EFC) before qualifying for federal aid - Easy flowchart from the Financial Experts Network, 2017The Ultimate Guide to Understanding 529 College Savings Plans, U.S. News & World Report, 2016What to know to open a 529 account, Ohio Tuition Trust AuthorityPay Down DebtCPFP's Strategic Debt Repayment Plan, 2017 (Opens an editable Excel spreadsheet.) Income-based repayment plans - Federal Student Aid Office, 2014Why you might want to keep your mortgage in retirement - Forbes, 2014When not to refinance your mortgage - Federal Reserve Board, 2012Get InsuranceInsurance Needs in Retirement Medicare Basics Medicare Prescription Drug Coverage Long Term Care Basics Plan for the unexpected (estate planning)Everyone needs these four documents, regardless of income and wealth:WillLiving Will (advanced medical directives)Financial Power of AttorneyHealth Care Power of AttorneyDocument Locator Sheet - A fillable PDF to inform your loved ones how to access your important papers if needed. Red Cross Guide to Estate Planning - We intend no endorsement of a particular charity. The Red Cross assembled a nice comprehensive guide.Updated in March 2019.