TFG Blog
Practical Guidance on Everyday Financial Decisions
How to Use Health Insurance, an FSA, and an HSA to Pay for Fertility Treatments
Fertility treatment can be expensive, and many patients end up piecing together payment from several sources rather than relying on one benefit alone. In many cases, the most effective approach is to understand what your health insurance will cover first, then use a Flexible Spending Account (FSA) or Health Savings Account (HSA) for eligible out-of-pocket costs such as deductibles, copays, coinsurance, medications, and certain procedures that qualify as medical expenses.
Financial Infidelity in a Relationship: Signs, Recovery, and How a Financial Advisor Can Help
Discovering that your partner has been hiding spending, debt, accounts, or other money decisions can feel deeply unsettling. Financial infidelity in a relationship is not just about dollars and cents—it is about trust, transparency, and shared security. If you have uncovered financial secrets in your relationship, it is normal to feel shocked, angry, embarrassed, or unsure about what to do next. The good news is that with the right support, you can start to understand the full picture and make thoughtful decisions about your future.
LGBTQ+ Family Financial Planning
LGBTQ+ Family Planning may be more complex, but it’s well worth it to make your family a reality. The additional time, education, planning and financial sacrifice do pay off as these are skills needed in parenthood. Additionally, education and planning can really payoff in terms of making sure you select the right path to parenthood for your family and to help you select ideal vendors and organizations to help make your family a reality.
Maximize your 401k
What are the top 6 strategies for maximizing your 401k? How can you best make use of your employer’s retirement plan? Learn more here about setting yourself up for a secure retirement.
LGBTQ+ Protection in the 2nd Trump Era
LGBTQ+ community members face a high level of uncertainty and vulnerability as the Trump administration sets it priorities and starts enacting policy through executive orders and actions. Attacks on DEI and erasure of transgender rights have brought us back to a level of vigilance we haven’t needed in years.
While anti-LGBTQ+ rhetoric and hostility can bring us back to traumatic points in our lives and leave us fearful, it’s important that we not forget our strength. We must do what we’ve always done in these times: form community, educate and protect ourselves.
Building a Private Practice Financial Model that Works for You
Choosing your own clients. Setting your own hours. Insurance or private pay. Private practice enables therapists to meet the unprecedented need for mental health services while ensuring that your work is compensated on your own terms. But how do you figure out what a fair compensation structure looks like when you’re your own boss?
How To Pick a Retirement Plan for Your Small Business
These days setting-up a retirement plan can be done quickly, easily and with little to no money from your pocket as the business owner. So there! There’s no excuse for why your business shouldn’t offer one. After all, it’s the right thing to do for your employees (and yourself), and some states (including Maryland) have even instituted requirements for some small businesses to offer employees a retirement plan.
Budgeting for Time Off When You’re Self-Employed
Being your own boss is a dream for many people. The flexibility to set your schedule, no supervisor to answer to, and freedom to do things the way you want to are compelling reasons to pursue self-employment. But one of the trade-offs that people make when leaving a job with a benefits package is that they must create—and pay for—those benefits on their own.
How Business Revenue Becomes Personal Income
So you’ve hung out your shingle, gotten some clients, and gotten paid—now what? One of the most popular questions in our webinar series for self-employed professionals is about what to do with the dollars you earn. This article will walk you through how to correctly manage business cash flow.
The Importance of an Advisor During a Recession
Recessions and market downturns are unsettling – the news is scary, and uncertainty is everywhere. This is when having experienced and knowledgeable people you can turn to for advice really pays off. Your financial advisor can be a valuable guide through the challenges of a recession because they are experts on your situation, and understand how to manage difficult economic cycles.