When it Comes to Philanthropy, Women Give More

August 4, 2018

By Sarah Ruef-Lindquist, JD, CTFA Our last installment in June about Giving USA 2017 was a positive reflection on the continued and growing generosity of American philanthropy as reflected in the report of giving shown in 2017 federal tax return data. Is there any difference between American males and females in their giving? Several studies … Read More

“There is nothing like a dame”

February 15, 2018

By Sarah Ruef-Lindquist, JD, CTFA Beyond medical care, one of the few differences for how professionals approach women as compared to men is in the area of financial planning. Of course, this is has to do with differences largely beyond a woman’s control, but thoughtful recognition of the differences can have a tremendous impact on … Read More

Beyond Home Economics: Investing in Women, Locally and Internationally is Growing Maine’s and the World’s Economies

November 29, 2017

By Sarah Ruef-Lindquist According to a Nov. 27, 2017 story in the Portland Press Herald, Women-owned businesses are thriving in Maine “…women entrepreneurs in Maine have created more jobs and revenue growth than their counterparts in most other states.” The data cited points to women as contributing significantly to Maine’s economy with thousands of small … Read More

Weddings Bells…Hope for the Best, Plan for the Worst? The Weaponization of Debt and Assets in Divorce

May 18, 2017

By Sarah Ruef-Lindquist, JD, CTFA Family violence, domestic abuse – those phrases evoke images of bruises, physical scars, broken limbs. But there is another aspect of abuse, and it has an economic and financial face. There’s been a lot in the news lately about financial abuse of elders, and rightly so. The vulnerability of our … Read More

Budget AND save for retirement without making yourself crazy?

April 14, 2017

By Sarah Ruef-Lindquist The 60% Solution is a way to budget without having to account for every penny spent. After all, the goal of budgeting is simply to control overspending and prevent unnecessary debt. The 60% Solution aims to keep your committed expenses at or below 60 percent of gross income, to help you come … Read More

Discipline + Dollar Cost Averaging = Progress toward Financial Goals

March 29, 2017

By Sarah Ruef-Lindquist My first post about goal setting might have gotten you thinking about or reinforced your resolve to decide “when do I want to retire?” or “I want to be able to buy or build a house in 10 years, so I need to save for a down payment”.  If that is true, … Read More

Fail to plan? Plan to Fail.

March 22, 2017

By Sarah Ruef-Lindquist Fail to plan? Plan to fail. Your family’s financial future should not be left to chance. A thorough, thoughtful plan that provides for you and your family as you desire is a gift you give to those close to you and those you will leave behind. The law lets us say who … Read More