Blog

Market downturns can tempt investors to make emotional decisions that hurt long-term results. By staying focused on data, maintaining a diversified plan, and understanding strategies to manage volatility, you can keep your retirement on track even in uncertain times.

While investing in real estate through a self-directed IRA might sound appealing, it often means losing key tax benefits like depreciation and 1031 exchanges. Before moving forward, it’s important to understand the hidden costs, restrictions, and better alternatives available for real estate investors.

Cash flow management isn’t just about budgeting, it’s the foundation of building and preserving wealth. By refining how you allocate, automate, and adjust your income over time, you can strengthen financial confidence and maximize every dollar’s potential toward your goals.

Relying solely on index funds can leave investors exposed to concentrated risk and market swings. A well-diversified portfolio spreads investments across asset classes and regions, helping to smooth returns, reduce volatility, and support long-term growth with greater consistency.

Most people think of money as something you earn, spend, and save — but there’s a smarter way to make each dollar work harder. By understanding the “velocity of money,” you can learn to keep your assets moving productively and efficiently to create lasting financial growth.

As Benjamin Franklin once famously said, “In this world nothing can be said to be certain, except death and taxes.” With the April 15 tax deadline approaching, it’s a good time to think about your finances – and get your financial plan and paperwork in order. With that in mind, we  thought it would be helpful to share some of our most commonly asked questions around taxes.

Suppose your parents invested in a thriving company’s stock – like Coca-Cola, Apple, or Amazon – and profited tremendously. At the same time, perhaps their friends put all their money into a different company’s stock – and that company abruptly went bankrupt. While your parents likely made considerable money from their investment, their friends lost everything they’d invested. 

After the holidays, many of us are in New Year’s Resolution mode, vowing to lose weight, organize our homes, kick our bad habits, and become more financially responsible. The thing about New Year’s Resolutions, though, is that they’re impossible to achieve without a plan.

The end of the year is a flurry of activities, as people rush to meet work deadlines, finalize gift buying, and celebrate the holidays. For many, this season is also a time for reflection, as they consider their accomplishments over the past 12 months and set goals for the coming year.

It’s been an exciting and eventful year at Guyton-Forge. In addition to providing our wonderful clients with comprehensive financial planning, we’ve won multiple awards and have been featured as industry thought leaders in local and national media.