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...
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...
Behavioral Finance / Financial Planning / Life
by Christopher D. Munchhof · Published July 1, 2019 · Last modified April 6, 2020
We know it’s taboo to talk about money in anything more than generalities. Money is one of those topics that even the best of friends don’t usually get into specifics on. Some people are...
by Christopher D. Munchhof · Published January 6, 2019 · Last modified April 6, 2020
By now you’ve probably heard plenty about the importance of setting goals. Goals keep you positively focused on moving forward instead of dwelling on the past. They help you break up your biggest dreams...
by Christopher D. Munchhof · Published December 7, 2018 · Last modified April 6, 2020
Technology is continuously advancing and naturally, that has dramatically changed the way we make purchases. Credit and debit cards remain the most convenient and popular choices for making payments. Consumers are generally pretty aware...
Behavioral Finance / Healthcare / Life
by Christopher D. Munchhof · Published September 25, 2018 · Last modified April 6, 2020
“I want to be healthy, but it’s just so expensive!” How many times have you heard something like this? Or maybe you’re the one who’s said it. I’m not a health expert or a...
The Internal Revenue Service today warned taxpayers of a quickly growing scam involving erroneous tax refunds being deposited into their bank accounts. The IRS also offered a step-by-step explanation for how to return the...
by Christopher D. Munchhof · Published November 23, 2017 · Last modified November 22, 2017
Black Friday sales, pre-Black Friday sales, post-Black Friday Sales, Black Friday-all-week-sales, Black Friday-for-a-month sales, Black Friday in July sales?!?! Can we not even bring up Black Friday sneak peaks, previews and “leaked ads”? Is...
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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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