Welcome to the Blue Rock Blog

Where we are and have been: It is hard to believe we are in another election year. It feels like this election cycle is presenting the greatest level of uncertainty than ever before, so we wanted to provide insight regarding the largest factors that influence performance. Before we delve into that, we wanted to share the recent and long-term performance...

Have you ever written down what you want to do better this year vs last year? Do you coin that list as your New Year’s Resolutions? If you were to go back and look at previous lists, how many times have you found success? If you were to go back to last year at this time, how’d you make out?...

“Is this still the right plan for me?” This was a recent question a business owner asked me as more employees became eligible to enter into the company’s SIMPLE IRA plan. With newly eligible employees entering your retirement plan and fluctuating annual revenue, it’s hard to know to time two things: Regarding the plan to switch or enter into, there’s...

In this Financial Planning “Todd Talk,” Todd Roselle, CFP®, ChFC®, Founder of Blue Rock Financial Group, and Dr. Katie Elder, a multifaceted psychologist and entrepreneur, delve into a comprehensive discussion that merges financial planning with psychological well-being. The talk covers a variety of subjects, from the intricacies of managing finances amidst market volatility to the psychological aspects of money and...

Mint, the most popular financial app to date is going away…for good. Intuit, who owns Mint.com recently announced they will be shutting down the very popular free app by January 1st, 2024, and will begin directing users to its other affiliate company, Credit Karma, to manage their finances moving forward. Mint has been around for over 15 years with nearly...

Cash is back and an important asset class to consider as part of your overall financial plan! After more than a decade of record low and near zero interest rates in the aftermath of the 2007-2009 Global Financial Crisis and the COVID-19 Pandemic, monetary policy since March 2022 has shifted dramatically as the Federal Reserve has turned hawkish in a...

Over the last 5 years the excitement of investing in Real Estate has returned to the levels of the early 2000s. Property values have been soaring and people are getting Real Estate Rich once again. Now, with interest rates rising and property prices staying high, what should you consider if you want to get in? Is it too late? What...

The age-old question of whether to buy a car in your business’s name or personally, and then get reimbursed by the mile, has baffled many entrepreneurs. With tax implications and financial considerations in mind, let’s delve into the pros and cons of these options and unveil some key factors to guide your decision-making process.  Do You Truly Need a Car?...

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...