Negotiate Like An FBI Agent
Your negotiating skills come into play more often than you might realize. Whether it be negotiating your salary, the price of a car, or how much to spend on your mother-in-law’s birthday present, your...
Your negotiating skills come into play more often than you might realize. Whether it be negotiating your salary, the price of a car, or how much to spend on your mother-in-law’s birthday present, your...
Financial Planning / Insurance
by Christopher D. Munchhof · Published July 20, 2017 · Last modified July 29, 2017
Of all the recommendations I make, the one that seems easiest for people to pooh-pooh away is keeping enough emergency savings. I get it, it’s not sexy like investing or paying off your mortgage...
Financial Planning / Life Tools
by Christopher D. Munchhof · Published July 16, 2017 · Last modified July 29, 2017
Have you ever woken up one day and felt that your life wasn’t very much more than a daily grind and wondered how you got there? I recently read George Kinder’s Lighting the Torch:...
The United States tax code is complicated. Too complicated. Those of us in the tax preparation industry like it that way. You hear a lot about loopholes and the rich taking advantage of them,...
Financial Planning / Insurance
by Christopher D. Munchhof · Published July 3, 2017 · Last modified July 29, 2017
A mutual insurance company is an insurance provider owned by its policyholders, not by shareholders. This means that the company puts its policyholders’ interests first right? Well maybe… The Good Mutual insurance companies are...
by Christopher D. Munchhof · Published July 1, 2017 · Last modified July 28, 2017
About two-thirds of American workers have access to a 401(k) plan, so there’s a good chance you’ve heard of it. As pensions fade away and the long term viability of Social Security seems less...
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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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