Welcome to SmartMoneyToolbox.com!

The purpose of this site is to help you improve your financial situation.  Whether you are trying to get out of debt, get on a path to financial security, plan for retirement, or just wanting to learn more about tools that you can use to improve your financial life, this is the site for you!

I have become proficient on many financial topics through personal experience, plenty of reading, and my 30+ year CPA career. I have a passion for this stuff, and I want to pass it on.  I believe in lifelong learning and continuous improvement.

My goal is to provide actionable tips that you can use to improve your financial life. I provide the tools, but it is up to you to vet out the options and then take action. Comment on the articles, contact me, and let me know how this site has added value for you.  I also welcome your feedback on how this site can be improved to help you even more.

I have provided links to resources that contain more information on a topic or a product or service that may help you out.  I’ll do my best to make sure that the items I ask you to consider here are quality resources.

Let’s press on together and take charge of our finances!

Regards,

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Latest Posts

Charles Schwab: Best low cost ETFs and index funds

Charles Schwab: Best low cost ETFs and index funds

Charles Schwab is one of the top major investment companies offering a wide array of low cost ETFs and index funds for the average investor. Their two major competitors, Vanguard and Fidelity, also offer low cost index funds and ETFs. All of this competition has...

Energy tax credit for natural gas tankless water heaters

Energy tax credit for natural gas tankless water heaters

Win - Win for you Get an improved water heater can be a win for you in two ways. First, you save on future energy costs by getting a more efficient unit that uses less energy. Second, there are tax credits and incentives that get you money back to improve the return...

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Home equity line or 401K Loan: which is better?

Home equity line or 401K Loan: which is better?

Both have Pros and Cons. Let's review and discuss options. Heloc A Heloc stands for Home Equity Line of Credit. Once approved for a Heloc loan, you can draw and paydown as you please. Typically this will be an adjustable interest rate loan that will reset monthly. In...

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