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# 2020 Financial Planning LLC

## Sitemaps
[XML Sitemap](https://www.2020financialplanningllc.com/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Financial Planning Process](https://www.2020financialplanningllc.com/financial-planning-process/): What are the 8 steps to any financial planning engagement with a fee only Certified Financial Planner (TM)?
- [Guide To Finding The Best Retirement Accounts](https://www.2020financialplanningllc.com/guide-to-the-best-retirement-accounts/): Where do you start when selecting the best retirement accounts for you to invest in?
- [The Costs of Liquidity](https://www.2020financialplanningllc.com/the-costs-of-liquidity-in-your-portfolio/): Achieving the balance between too little and too much liquidity can be a real balancing act. Doing so minimizes paying unnecessary taxes.
- [Portfolio Gains and Affluence Illusion](https://www.2020financialplanningllc.com/are-your-portfolio-gains-creating-a-sense-of-affluence/): Portfolio gains are a great feeling. But when to they start to create an illusion of affluence?
- [How To Avoid Retirement Failure (Running Out of Money)](https://www.2020financialplanningllc.com/how-to-avoid-retirement-failure-running-out-of-money/): Everyone wants retirement success, not retirement failure. Here are the 5 considerations for avoiding retirement failure.
- [Where To Start: The 1st 5 Steps Towards Your Financial Future](https://www.2020financialplanningllc.com/where-to-start-the-1st-5-steps-towards-your-financial-future/): There's a starting point for everything, including our financial life. What are the 1st 5 steps to your financial future?
- [The Latte Effect On Your Finances](https://www.2020financialplanningllc.com/the-latte-effect/): Making your own coffee vs. buying at a coffeehouse is not the focus of the exercise.
- [Three 4-Letter Words You Must Master For Success](https://www.2020financialplanningllc.com/three-4-letter-words-you-must-master-for-success/): Living your most abundant life matters. Mastering these three 4 letter words is crucial to it.
- [You Just Got An Unexpected Windfall. Now What? The 5 Things To Get Right](https://www.2020financialplanningllc.com/unexpected-money-windfall-f5-things/): Receiving unexpected money sure can be nice, am I right? Here's your next 5 steps.
- [You Got Laid Off: Now What? Your Next 4 Financial Moves](https://www.2020financialplanningllc.com/you-got-laid-off-now-what-your-next-4-financial-moves/): Here are the immediate next 4 financial moves to make when you are laid off.
- [Be The Maestro To The 2 Parts of Your Money](https://www.2020financialplanningllc.com/be-the-maestro-to-the-2-parts-of-your-money/): Mastering both parts of your money is crucial. How does a person do it?
- [The 4 Factors To Avoid Financial Fraud](https://www.2020financialplanningllc.com/the-4-factors-to-avoiding-financial-fraud/): The 4 factors to preventing fraud from someone new in your life.
- [The 3 Ts To Discussing Money By The 3rd Date](https://www.2020financialplanningllc.com/the-3-ts-to-discussing-money-by-the-3rd-date/): How to bring up money behavior and money philosophy by the 3rd date.
- [Don’t Let Travel Sidetrack Your Other Financial Goals](https://www.2020financialplanningllc.com/how-to-keep-travel-from-sidetracking-your-financial-goals/): Many of us enjoy travel. It's fun! But how do we keep it from taking away from our other financial goals?
- [The 3 Solutions To Retiring Too Early](https://www.2020financialplanningllc.com/the-3-solutions-to-retiring-too-early/): What are the 3 things to do if your early retirement is at risk of running out of money?
- [The 4 Cornerstones of Financial Literacy](https://www.2020financialplanningllc.com/the-4-cornerstones-of-financial-literacy/): The 4 books you must read to keep from making mistakes with your investments.
- [Presidents and Stock Market Performance: Any Correlation?](https://www.2020financialplanningllc.com/presidents-and-stock-market-performance-any-correlation/): Alot of focus is on a presidential candidate's possible effect on the stock market. But is there any actual impact?
- [Reverse Mortgage as a Qualitative Estate Planning Tool?](https://www.2020financialplanningllc.com/reverse-mortgage-as-a-qualitative-estate-planning-tool/): Home Equity Conversion Mortgages ('Reverse Mortgages') have been widely used as a method for tapping home equity as part of a retirement distribution strategy. But how about for estate planning?
- [Retirement Income Strategy: Event Segmented vs. Time Segmented](https://www.2020financialplanningllc.com/retirement-income-strategy-event-segmented-vs-time-segmented/): Converting a retirement income portfolio from accumulation to distribution can be nerve wracking. A widely accepted approach has been to segment it in time intervals, but what psychological value might there be in segmenting it out by events?
- [The Perils of Self Diagnosis With Your Investments](https://www.2020financialplanningllc.com/perils-self-diagnosis/): There are many facets of life where, once we develop a baseline of core competency, we can conduct on our own without much relative risk or downside consequences. But the higher the stakes for getting it wrong, the more crucial it is to seek professional insight or advice. Other areas though have higher consequences if we don't seek objective counsel from professionals. For our wellness these may be medical, psychological, and spiritual. For our homes they could include plumbing, remodeling, electrical work, landscaping, etc. For our autos they would be, well, really, anything...
- [Bitcoin Primer](https://www.2020financialplanningllc.com/bitcoin-surrogate-larger-market-sentiment/): So far there seem to be 2 camps that exist for crypto currencies (Bitcoin is a crypto currency). One tends to include tech workers and those affiliated with tech (e.g. VCs). These are the intrinsic flag bearers of Bitcoin. The other? Most everyone else.
- [Lifestyle Choices: To Say No, You Need A Yes](https://www.2020financialplanningllc.com/playing-the-long-game/): In planning our life path, we identify how to improve ourselves and our life station (our 'yes'es). We identify what to avoid (our 'no's). Yet, every day we are bombarded with lifestyle spending choices that can pull us away from our 'yes'es. How do we respond?
- [A Budget Strategy For Variable Income](https://www.2020financialplanningllc.com/setting-budget-for-variable-income/): If you have variable income, you likely are faced with the challenge of creating a budget strategy. What will your income be? What assumptions can accurately be made? Yet, is it much different than the challenge anyone else has with creating a budget?
- [Your Financial Puzzle: Putting All The Pieces Together](https://www.2020financialplanningllc.com/your-financial-puzzle-putting-all-the-pieces-together/): A crucial trait to reaching financial freedom is the ability to see how all the parts of your financial life fit together. Are you able to see the implications of today's financial behavior and lifestyle for your future self?
- [The Risk In Abundant Markets](https://www.2020financialplanningllc.com/the-risk-in-abundant-markets/): Many Seattleites, especially long term ones, have been buffered from the severity of losses many other parts of the country experience. For a multitude of reasons, real estate has always ('08-'11 excepted) increased in value and received multiple offers at sell time.
- [Retirement Accounts and Bankruptcies](https://www.2020financialplanningllc.com/retirements-accounts-bankruptcies/): It's common knowledge that 401(k)s, 403(b)s, IRAs, and HSAs are profoundly powerful tools to get you to your goal of retiring. Perhaps what isn't as well known is that these assets are protected from personal bankruptcies and lawsuits.
- [(Almost) Never Assume An Inheritance](https://www.2020financialplanningllc.com/never-assume-inheritance/): A windfall of money from someone passing away can be a life-changer. It's prudent not to assume things in life, especially with respect to an inheritance. But 2 things determine if a beneficiary counts, quite literally, on it.
- [Married With Student Loans](https://www.2020financialplanningllc.com/married-student-loans/): There usually aren't too many scenarios where Married Filing Separately materially benefits either spouse. A scenario in which Married Filing Separately tends to be applied is when a couple has decided to live separately. But another one has become more prominent,
- [The Consequences of Investing in Hedge Funds and Limited Partnerships](https://www.2020financialplanningllc.com/the-consequences-of-investing-in-hedge-funds-and-limited-partnerships/): Hedge funds and master limited partnerships (MLPs) have their fans and can make sense for some investors.  However, they are incredibly complex and opaque, and not suitable for most people.
- [The Biggest Threats To Your Ability To Retire](https://www.2020financialplanningllc.com/the-biggest-threats-to-your-ability-to-retire/): Managing your health care costs in retirement is critical. Where do you start in figuring out what your heath care costs might be once you retire?

## Pages
- [Home](https://www.2020financialplanningllc.com/): Fee Only Fiduciary Care Certified Financial Planner®: Let's Get You There
- [Contact](https://www.2020financialplanningllc.com/2020-financial-planning-contact/): Copyright (C) 2018 – 2025: 2020 Financial Planning LLC — All rights reserved
- [Blog](https://www.2020financialplanningllc.com/blog/): 2020 Financial Planning Blog
- [Fees & Services](https://www.2020financialplanningllc.com/fees-financial-planning/): Do you want to retire or stay retired? Whether that’s now or in the future, let’s get you there.
- [Expertise](https://www.2020financialplanningllc.com/about-seattle-certified-financial-planner/): In 2010, as a Fee-Only Certified Financial Planner®, Stacy Ployhar launched 2020 Financial Planning LLC to help clients put their financial future into focus.
- [Why 2020?](https://www.2020financialplanningllc.com/2020-financial-planning/): 2020 Financial Planning provides fee-only, goal-based planning for those who place a premium on having a tailored, comprehensive Financial Plan that puts their financial future into focus.As a Fee-Only Financial Planner, we receive no commissions or fees from financial products or promotions. We receive compensation exclusively from one source: Our clients.We have always been a Fiduciary: Our clients’ best interests inform each recommendation we make.