by Christopher D. Munchhof · Published December 3, 2017 · Last modified April 6, 2020
Early Saturday morning, the Senate passed the “Tax Cuts and Jobs Act”. This, paired with the recent passing of the bill by the House of Representatives, means that significant changes to the tax law...
Behavioral Finance / Financial Planning
by Christopher D. Munchhof · Published December 2, 2017 · Last modified January 6, 2018
I was out to lunch with my wife a few weeks ago and overheard a conversation about credit card rewards. A nice lady was chatting with her friend and explaining how she earned cash-back...
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...
Behavioral Finance / Financial Planning / Life Tools
by Christopher D. Munchhof · Published October 23, 2017 · Last modified October 24, 2017
When starting a financial plan to get you where you want to go, one of the first steps is determining where you’re starting from. A key measurement to determine where you’re currently at financially...
It’s said that discipline is like a muscle. You can strengthen your discipline over time by practicing good habits, but discipline is also like a muscle in the sense that you can only use...
Behavioral Finance / Financial Planning / Life Tools
by Christopher D. Munchhof · Published August 11, 2017 · Last modified August 12, 2017
You’ve got a bunch of stuff. You don’t use it anymore, but it’s in ok shape. It is taking up space and making it a pain to get to the things you actually like...
Financial Planning / Insurance / Taxes
by Christopher D. Munchhof · Published August 9, 2017 · Last modified August 10, 2017
First of all what is it? Premium, as far as insurance is concerned, is the term used to describe the amount of money you pay the insurance company in order for them to provide...
by Christopher D. Munchhof · Published August 3, 2017 · Last modified August 11, 2017
I’m probably not talking about the kind of creeper you’re thinking about, but I still admire you for wanting to know if you are one! A few years ago, blogger to the financial advisors,...
“It’s not fair, every time I get a bonus the IRS taxes it like crazy. Why are my bonuses taxed at a higher rate?” Does this sound familiar? Have you ever felt short-changed when...
by Christopher D. Munchhof · Published July 23, 2017 · Last modified July 29, 2017
Recently I misplaced my business debit card. This was pretty confusing because for the most part it stays safe in my wallet except to make deposits at the ATM and secondly I almost never...
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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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