College Decision Time

Higher education machine

College Decision Time

It’s almost April 1st and in addition to April Fools Day, it is also the final day that most colleges and universities will notify their applicants whether they have been accepted, denied, or wait-listed. Prospective students now have approximately one month to make their decision. Colleges usually expect to have students commit to them by a May 1st deadline.

Students and Parents have a big decision ahead of them. The decision is a personal one: The school may be large, small, or tiny. It may be urban or rural. It may be a serious school or a party school (or sometimes both). It may be far away or close to home. The decision is also an academic one: Is this the best place for the student to achieve in their major? Or maybe the question is whether the school is the best place for the student to figure out what their major or career choice will be. And of course, the decision will be financial. Can both the student and his/her parents afford the best choice academically and personally? Maybe a trade-off on the academic or personal side will make a big difference financially. Is it worth it? read more

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Ways To Lower Your Income Taxes

Ways To Lower Your Income Taxes

If you’re like me, you are working hard on preparing your 2015 taxes. Either you’re doing your own taxes or maybe you are collecting the paperwork to present to your accountant. Federal income taxes are more complicated than ever. Michael Kitces, author of the Nerds Eye View Blog, has produced this chart showing various real marginal tax rates including all the various add-on taxes, such as the net investment tax, and the various phaseouts of exemptions and deductions.

So it’s complicated! read more

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Welcome to the new website!

Welcome to the new website!

Date Posted: 03/02/2016

Welcome to Cereus Financial Advisors’ brand new shiny website. The idea was to make this website informative and easy to use. Check out the learning center with lots of information on a variety of financial topics. The content in this section is partially written by me and partially from educational material which I’ve licensed. It’s not individual advice (you actually pay for that), but it is good general information which might help in various situations. If you want information on something, but it’s not on the website, drop me a line and I’ll see if I can incorporate it. If there is a website feature which doesn’t work or could work better on whatever browser or device you’re viewing it on, contact me and I will see about fixing it. read more

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