Fee-Based Vs. Commission-Based Advisors
The world of finance is known for its confusing terminology and baffling acronyms. As a result, clients often feel that… Read more about Fee-Based Vs. Commission-Based Advisors
Happy Holidays From Black Spruce Financial
Black Spruce Financial wants to wish you a Merry Christmas and a Happy 2017! My wife, Lidia, and I hope… Read more about Happy Holidays From Black Spruce Financial
Giving and Gifting
There is a big difference between ‘gifting’ and ‘giving’, but they can both make the biggest difference in people’s lives…. Read more about Giving and Gifting
Whole Life Insurance Explored
When the topic of life insurance comes up, many people have strong opinions. For decades, conventional wisdom said to steer… Read more about Whole Life Insurance Explored
Are You Covered by These Four Key Insurance Policies?
One of the reasons I founded Black Spruce Financial was to provide comprehensive financial planning for my clients. This means… Read more about Are You Covered by These Four Key Insurance Policies?
The Biggest Financial Mistake I See
I’ve been in this industry for nearly 15 years, which means I’ve seen my fair share of successes, hurdles, and… Read more about The Biggest Financial Mistake I See
If I Could Only Teach One Financial Lesson
Throughout my fifteen years of experience in financial services, as well as my time spent managing businesses, I have come… Read more about If I Could Only Teach One Financial Lesson
Why I Became a Financial Advisor
I like to think that business runs in my blood. I grew up in a family business and I loved… Read more about Why I Became a Financial Advisor
Monitoring the Plan
Congratulations, you have a life plan! What’s next? Once you have a plan in place, it can be tempting to… Read more about Monitoring the Plan
The Estate Plan – It’s a Family Affair!
‘What to sell’, ‘What to keep’ or ‘What to leave as a legacy’, these are the questions! Although the final… Read more about The Estate Plan – It’s a Family Affair!