financial security

Have you Weeded Your Financial Garden?

Have you Weeded Your Financial Garden? 1200 800 Donna Skeels Cygan
Spring has sprung! March is a great time to weed our gardens so the spring flowers can shine through. I weed my gardens, clear out the old growth, and then put down a layer of compost so my flowers will flourish all spring and summer. They are happy, and I am happy. The same concept [...]read more

How tax reform will impact New Mexicans

How tax reform will impact New Mexicans 958 736 Donna Skeels Cygan
The Tax Cuts and Jobs Act of 2017 was signed into law by President Trump on Dec. 22, 2017. People are asking: How is this going to impact me? Will my taxes go down? Am I going to pay more taxes? Let’s break it down as it pertains to New Mexican taxpayers. TIMING: The changes [...]read more

Take control with a net worth statement

Take control with a net worth statement 456 304 Donna Skeels Cygan
ALBUQUERQUE, N.M. — Many people are intimidated by money. They don’t know where to begin to get organized. Some people may work with a financial adviser and not be directly involved in managing their money. Other people do not know what they own and whether their net worth is a positive or negative number. Putting [...]read more

New bucket list: create wise tax strategies

New bucket list: create wise tax strategies 837 449 Donna Skeels Cygan
“Don’t let the tax tail wag the investment dog” is a quirky saying that has been a mainstay for financial advisers for many years. It means to not let tax issues override smart investment decisions. However, smart tax planning is essential for smart investing. The key with tax planning is to be proactive, and a [...]read more

Retrain your brain for better financial decisions

Retrain your brain for better financial decisions 1000 872 Donna Skeels Cygan
This month I will be posting a series of articles that were published on the Albuquerque Journal. These articles will explore the relationship between money and happiness. Are you ever disappointed after making what seems to be an emotional – and unwise – financial decision? Understanding how our brains are involved in our financial decisions [...]read more

6 billion hours go into income tax preparation

6 billion hours go into income tax preparation 1000 689 Donna Skeels Cygan
This month I will be posting a series of articles that were published on the Albuquerque Journal. These articles will explore the relationship between money and happiness. This weeks topic covers taxes! Taxes were on everyone’s mind in April. It is estimated that the average American household paid $13,000 in 2015 taxes (money.cnn.com 4/18/16). In [...]read more

Sales rise not so kind to traditional retailers

Sales rise not so kind to traditional retailers 456 304 Donna Skeels Cygan
This month I will be posting a series of articles that were published on the Albuquerque Journal. These articles will explore the relationship between money and happiness. This week's topic covers retail earnings. During May, several “brick and mortar” department stores reported disappointing corporate earnings, among them Macy’s, Nordstrom, Kohl’s and Gap. However, it seems [...]read more

Weekly column to review financial, investment topics

Weekly column to review financial, investment topics 500 302 Donna Skeels Cygan
This month I will be posting a series of articles that were published on the Albuquerque Journal. These articles will explore the relationship between money and happiness. This week's topic covers the stock market. The first quarter of 2016 felt like a roller coaster for many investors. The Dow Jones Industrial Average began a downward [...]read more

Minimize your Taxes Now and in the Future: Three Tax “Buckets”

Minimize your Taxes Now and in the Future: Three Tax “Buckets” 624 312 Donna Skeels Cygan
Tax season (Jan. 15-April 15) has officially begun! It is time to strategize! “Smart tax planning is essential for smart investing” says Donna Skeels Cygan, CFP®, MBA, who has been recognized as one of the top financial advisors in the United States and is the author of The Joy of Financial Security: The art and [...]read more

Manage Your Human Capital, Part 2

Manage Your Human Capital, Part 2 1698 1131 Donna Skeels Cygan
The Joy of Financial Security covers many financial topics and many strategies for increasing one’s happiness. In Human Capital, Part 1, I described that human capital involves managing our income stream throughout our career, in a way that allows for consistent savings which can lead to financial security. One of my long-term clients retired from [...]read more