My Newest Book is Now Available!
I’m excited to share that my latest book on investing is now available. There were many delays and frustrations with getting this book to where is is today and I’m very grateful for your...
I’m excited to share that my latest book on investing is now available. There were many delays and frustrations with getting this book to where is is today and I’m very grateful for your...
Behavioral Finance / Financial Planning / Life / Taxes
by Christopher D. Munchhof · Published July 22, 2023
FedNow is a newly activated instant-payment system developed over the last several years by the U.S. Federal reserve bank. The FedNow system facilitates instant transfers from bank to bank. While the Federal reserve bank...
There have always been individuals who argue that we don’t legally need to pay taxes. Often, they cite legal language taken out of context from the larger law. They use false, misleading, or unorthodox...
Behavioral Finance / Financial Planning / Investing
by Christopher D. Munchhof · Published July 12, 2021
A market correction seems inevitable and top experts agree. It’s only a matter of time.
The IRS announced they would start accepting tax returns on February 12th this year. That’s about three weeks later than normal. A big part of the delay has to do with last-minute laws passed...
Financial Planning / Investing / Life
by Christopher D. Munchhof · Published December 9, 2020 · Last modified April 28, 2021
The stock market has repeatedly reached new all-time highs over the past weeks, and while new highs are essentially inevitable over long periods, there is considerable risk when those highs are reached without good...
Coronavirus Tax Rebate Checks! Congress is planning to send checks or direct deposits to families to help relieve some of the financial burdens the coronavirus shutdowns have caused. The government has voted to send...
Several changes to the tax law were finalized in the final days of 2019 and these changes are effective immediately, some of the changes are even retroactive to 2018. I covered the changes made...
Financial Planning / Investing / Taxes
by Christopher D. Munchhof · Published January 3, 2020 · Last modified January 4, 2020
After a massive tax overhaul came into effect for 2018 taxes, it’s hard to believe that more tax changes would be here so soon, but here we are! The President signed the Secure Act...
Behavioral Finance / Financial Planning / Investing
by Christopher D. Munchhof · Published August 16, 2019
On Wednesday, for the first time in over ten years, the yields on 2-year Treasury notes surpassed the yields on 10-year Treasury notes. This is unusual because under normal circumstances investors earn a higher...
by Christopher D. Munchhof · Published July 29, 2019 · Last modified April 6, 2020
The Internal Revenue Service has begun sending letters to taxpayers with virtual currency transactions that potentially failed to report income and pay the resulting tax from virtual currency transactions or did not report their...
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Christopher D. Munchhof is a California licensed professional investment adviser, life insurance agent, and tax expert. He lives in Santa Clarita, CA with his wife and two children. He is the founder of Free Financial, a financial planning firm designed for clients at the beginning of their financial journey.
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