About Danielle Howard

There is no part of life that can be experienced in a vacuum. Each decision you make impacts other areas of your life. I know, for instance, that if I have a glass of wine, it will trigger a migraine, and I will be wiped out for three days…
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My aging parents are both over 80. They live in their own home and are managing their day-to-day activities and financial affairs with admirable fervor and zest. I see them every few months, and we talk regularly on the phone. They acknowledge…
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Historically speaking, your financial adviser’s job has always been to help you reach your financial goals. If you wanted to retire, travel or buy that vacation home, you were only to set your goal, and your adviser would tell you how to get there…
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You have spent years learning about how to “save” for retirement. Save first, spend later. Dollar Cost Averaging. Asset allocation and rebalancing. In the United States, you have put money into your IRA, or your employer…
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Do you feel your life is immersed in uncertainty, more than ever? Every day, new information comes out impacting our future trajectories. This uncertainty can paralyze us. We can’t stay in limbo, thinking that everything will go back…
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You may be familiar with the Biblical story of Martha and Mary. Mary is sitting quietly at the feet of Jesus, absorbing his wisdom, and Martha is orchestrating the events of the evening and making sure there is food on the table…
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You get up in the morning and look in your closet. What will you wear today? It depends. Will you be spending your day inside or outside? What activities do you have planned? The meteorological elements may change…
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My family has enjoyed a cabin in a small hamlet outside of Estes Park for over 40 years. Summers of my youth were spent fishing, hiking, and exploring amidst the granite rocks, pristine lakes, and whispering pines of my beloved Colorado…
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Does thinking about your financial life in retirement cause you angst? It’s true that fundamental sustenance is paramount, but above that – it is not quantity that unlocks your potential; it is your penchant for positive perspectives…
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So much for the world of travel. So much for the extra income from the Gig economy. So much for visiting our grandkids. So much for the “retirement plan…”

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