Sonas Financial Planning

Don't fall for it...

How Bias Interrupts Sensible $ Decisions Bias can lead to worse $ outcomes. Here's why.

No one’s perfect, and we may never be able to make flawless financial choices. That shouldn’t stop us, however, from trying to do better. And it shouldn’t make us cling to biases that can trip up our money decisions and our financial futures.

How to Stop Relying on Unconscious Biases in Investing See what biases can impair our financial futures.

Our feelings, muddled memories, and even faulty reasoning can all nurture our biases. So can our fears and “intuition.” Still, with a little understanding of those biases, we can start to break free of them.

Are Your Finances Affected by These Biases? If so, now's the time to flip the script.

Bias can creep into our psyche with zero warning, and take on several different forms, seriously limiting our abilities to make rational investing decisions. But that doesn’t have to happen—and won’t if you know how to spot these biases and stop them in their tracks.

5 Behavioral Biases in Finance & How to Beat Them Find out how to spot & stop harmful patterns.

It’s that time of year again! Spring is upon us! Is it time to Spring clean your financial house? Come out and support a great neighborhood at the Kirkwood Spring Fling & Tour of Homes on May 18! I’ll be proudly sponsoring the 5k and festival again this year. Is it time to Stop by and say hi. Look for the bubbles! 🫧 🫧 🫧

Spring Has Begun!

It is only 60 days until the
2024 Spring Fling on May 18.

This year is our 21st Anniversary and we have
so many exciting announcements coming soon.
Stay Tuned!

Learn more about our festival: KirkwoodFling.com

If you give yourself steps to take every day, you’re going to have much better chances of accomplishing more in the big picture. ”The secret of getting ahead is getting started.” - Mark Twain ”Habits are the compound interest of self-improvement.” - James Clear

How Little Daily Steps Can Help You Achieve More Put your goals in reach with small daily actions.

For the same reason no one runs a marathon in a single stride, it takes many consistent steps to make progress and cross the finish line. The same is true for our bigger financial goals, like retiring as comfortably as possible. So, what does it really take day to day to achieve those goals?

How Little Actions Hold Awesome Potential Achieve more goals with small steps every day.

FREE Tax Guide 5 Ways to Lower Your Taxes IMMEDIATELY

As a financial professional, I’ve had the opportunity to be a trusted accountability partner for many folks who are looking to make a change in their financial lives. I’ve seen how small shifts in mindset and daily actions can be really powerful in terms of changing habits and improving long-term results.

The Incredible Power of Small Daily Actions See how little steps can lead to big accomplishments.

There are some great opportunities to lower your 2023 and 2024 taxes. Do you know what they are?

5 "Right Now" Tax-Saving Opportunities [TIME-SENSITIVE] FREE Tax Guide: Lower Taxes IMMEDIATELY

There are some great opportunities to lower your 2023 taxes AND 2024 taxes. Do you know what they are?

MUST-SEE Tax Strategies To Know BEFORE You File This FREE tax guide reveals 5 IMMEDIATE savings opportunities

We Broke Down Markets Into a 5-Minute Read Here's what savvy investors should know

Hidden Tax Opportunities

Make the most of your money. Lower Your Taxes Right Now? [FREE GUIDE] Discover 5 IMMEDIATE Opportunities [BEFORE You File]

Want to know what happened last quarter? I've got you (five-minute read).

Q4 markets? Just stunning Here's what you need to know about and why

Your Q4 market summarized in a five-minute read. You're welcome!

What did markets do in Q4? (5-minute read) Here's what smart investors took away from Q4

Think you know how retirement planning works? Think again...

Rethinking Retirement: New Perspectives Evolve your retirement plan with expert insights

Where should you be on your savings goals?

What Could Your Retirement Income Look Like? Ever do the math? Here are some starting points

How would you like to set up your retirement? Not all plans are the same.

Preserving Your Nest Egg How does your plan break down? See some examples

Is it possible to make it through retirement without draining your savings? Yes, but it isn't easy.

Retirement... without draining your savings? See how the numbers break down & what to save now

Looking to buy a home and interest rates have you a little nervous? You're not alone.

Interest rates are noticeably higher compared with recent years. Potential homebuyers may be more hesitant to borrow money because of the higher cost of a loan. Lenders are noticing and offering a new proposition to help ease some of the concern of buying in this high-rate environment, the so-called Buy Now, Refinance Later (for free) offer. Be cautious. The big print giveth and the small print taketh away. What are some of the advantages and disadvantages of such a loan?

Veronica Dagher of the The Wall Street Journal wrote a fantastic article about what you should know about the Buy-Now-Refinance-Later loans that lenders are offering, trying to get you to take out a mortgage. Thank you, Veronica, for allowing me the opportunity to contribute! Read all the way through as Jacob Channel, Ted Rossman, Holden Lewis, and Laurie Goodman make some great points about what you should consider with these types of loans. Don't add unnecessary complexity that may cost you more if you don’t have to. Know what you're getting into.

Anytime I can help inform the public to make better, more informed financial decisions, count me in. Please feel free to contact me anytime I can help the public have a better understanding of and relationship with money in their lives.

The Sales Pitch for an 8% Mortgage: Buy Now, Refinance Later—for Free An offer to refinance if rates drop in the future might not help you save in the long run.

Did the markets step out of line last quarter?

We Broke Down Markets Into a 5-minute Read Here's what savvy investors should know

Q3 markets? Spicy Here's what you need to know

What did markets do in Q3? (5-minute read) Here's what savvy investors took away from Q3

Why do the wealthy not panic when there are market downturns?

Handle Volatility Like the Rich [FREE GUIDE for $1million+ investors] Discover what the ultra rich do in chaotic times.

When most are panicking, smart investors know how to harvest the ”fruit” of volatility. Learn how you may make the most of scary markets.

What the Mega Rich Know About Volatility [FREE GUIDE] How to find hidden opportunities (not for average investors)

Have you noticed a little more volatility in the market lately? Did you know that there are some planning opportunities that allow you to take advantage of tough times? There is a 'Silver Lining Playbook' full of ideas to help. Which could work best for you?

Can You Harvest the opportunities from Volatility? [FREE GUIDE] Discover 3 Hidden Opportunities & 2 Costly Mistakes

How to Select the Ideal Place to Retire Live better & spend less as a retiree. Here's how.

7 Factors to Find a Better Place to Retire Make a better choice about where to live as a retiree.

Where to Live Your BEST Life in Retirement Here are the best places for retirees to live.

Q2 Markets were POWERFUL But why?