FREE NEWSLETTER
My name is Francine Duke and I'm a recently retired Financial Planner. I was the founding principal of Aqua Financial Planning, LLC, an independent fee-only Registered Investment Advisory and Financial Planning Firm. I have a B.S. in Finance and over thirty years of high level experience in the financial and insurance industries with an extensive background working with both individuals and small to mid-size businesses. I served on the board of the Financial Planning Association, North Shore Council in various roles including President and Chairwoman. I still enjoy everything financial and obviously have a keen interest in retirement related matters.
Risky Business - Challenging Times
25 replies
AUTHOR: hitekfran on 4/6/2025
FIRST: Jonathan Clements on 4/6 | RECENT: DAN SMITH on 4/12
A Taxing Situation
22 replies
AUTHOR: hitekfran on 2/18/2025
FIRST: Dan Smith on 2/18 | RECENT: Randy Dobkin on 2/20
Ten Important Security Tips
15 replies
AUTHOR: hitekfran on 11/9/2024
FIRST: mytimetotravel on 11/9/2024 | RECENT: Martin McCue on 11/19/2024
Comments
deleting post
Post: Talking Trillions by Jonathan Clements
Link to comment from June 9, 2025
Amen!!!
Post: Buying an Annuity from the SSA
Link to comment from April 29, 2025
I do the same. No big deal to enter it on my own and, like you, I prefer not to connect tax software to our personal accounts.
Post: Now taxes are filed, I have a question: How did you prepare your taxes?
Link to comment from April 17, 2025
Six month treasury bills are currently paying around 4% and the rate is guaranteed for that period. Rates for MM funds are variable but you have access to the money whenever you need it.
Post: Buying Treasury Bond ETFs vs. MM Funds in this Moment
Link to comment from April 10, 2025
That distinction was my favorite part of the article. And, I agree with the rest of your comments.
Post: Risky Business – Challenging Times
Link to comment from April 10, 2025
Christine Benz wrote an interesting article yesterday. I'm going to attach a link to it. Hope it works. https://www.morningstar.com/personal-finance/maybe-you-should-sell-some-stocks?utm_medium=referral&utm_campaign=linkshare&utm_source=link
Post: Risky Business – Challenging Times
Link to comment from April 10, 2025
Congratulations, Marjorie! I love your story. My husband and I are much like you and your husband - completely opposite personalities but very similar values. Hope you have wonderful plans to celebrate!
Post: A Diamond Wedding Anniversary
Link to comment from April 10, 2025
Thank you all for the nice responses and good conversation.
Post: Risky Business – Challenging Times
Link to comment from April 7, 2025
Great advice as always, Jonathan. Spending less is something totally under your control. Paying off high interest credit card debt is something else to consider.
Post: Making Lemonade by Jonathan Clements
Link to comment from April 6, 2025
Nothing at all. We have an asset allocation that we can live with through good and bad. The market goes in cycles and reacts to current events.
Post: Tariffs and our retirement assets
Link to comment from April 3, 2025