Welcome to the Blue Rock Blog

What do you think is the start of future success? Many times it can be linked back to when something changed. It could be a new job, it could be getting married, it could be some other large life event. Sometimes it’s linked back to the first dollar we made because we were disciplined from the start. For many, it...

There’s been quite a bit of talk about the debt ceiling in the news of late. The federal debt ceiling is the total amount of money the U.S. government is authorized to borrow to meet its existing obligations, such as Social Security Payments, tax refunds, interest on the national debt, and our national defense. Congress had free rein over the...

As the economy has shifted and we all take a step back to reevaluate what is most important, the question we’ve been getting a lot recently, is “Where do I Start?” At Blue Rock Financial Group we work with three main groups of clients: For each of these groups, the considerations are similar but slightly different. Business Owners For most,...

If you find a dollar on the ground, you’d excitedly pick it up. Yet, most leave many (thousands) of dollars each year in tax savings up for grabs. & the worst part? They don’t even know it. This is what it’s like to not know about: To understand how to not leave capital gains tax savings on the table, we’ll...

Time and money are two of the most valuable resources we have in life. However, when it comes down to it, time is more important than money. This may seem counterintuitive at first, as we often prioritize our financial goals above all else. However, when we look deeper into the reasons why time is more valuable, it becomes clear that...

There are many things you can avoid in life such as cavities if you brush and floss your teeth. On the other hand, paying taxes is an unavoidable responsibility, yet you can reduce the amount owed by keeping yourself informed of recent tax laws and utilizing the provisions in the tax code. The US House of Representatives passed the Consolidated...

Cash flow is a crucial aspect of your financial health and stability. It enables you to meet current financial obligations while simultaneously reaching future goals. Having awareness of your cash flow (such as how much money is coming in vs how much is being spent or saved) gives you greater certainty and confidence when planning your financial future. Lacking this...

Taxes are an inevitable part of life, and each year when we file, most of us in our working years will be hit with a hefty bill. There are, however, strategies that can reduce and sometimes even eliminate your tax liability. Reducing taxes takes planning and the foresight to take advantage of all the tax breaks that the tax code...

A significant part of many people’s compensation comes in the form of benefits on top of their salary. Many of these benefits come with options that the employee must select, or the benefits work in conjunction with other financial products that are purchased outside of the workplace. It is important to maximize these benefits and understanding all of the nuances...

Goals are overrated.  While a goal to grow your money is motivating – goals don’t make progress, systems do.  Motivation gets you started but consistency ensures you make progress.  “You do not rise to the level of your goals. You fall to the level of your systems.” – James Clear  The goals set the destination, habits bridge the gap between...