Ruby Financial Planning, LLC

Ruby Financial Planning, LLC Working with anyone that wants to improve their situation through the financial planning process...and we're fun too. member FINRA/SIPC.

Securities and investment advisory services offered through Osaic Wealth, Inc. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth. For a full list of disclosures, please visit our website at www.rubyfp.com

Please stop leaving your cash in a bank savings account. There are so many good high-yield savings accounts available fo...
09/02/2026

Please stop leaving your cash in a bank savings account. There are so many good high-yield savings accounts available for your cash.

High-yield savings accounts are known for their competitive interest rates. So what's the best way to use a high-yield savings account? Here are five options to consider.

It's been great if you own an equal weight S&P fund, but even better is that it's a good sign for the health of the US s...
08/30/2026

It's been great if you own an equal weight S&P fund, but even better is that it's a good sign for the health of the US stock market.

RSP has topped $100 billion in assets as it outpaces a cap-weighted S&P 500 that's exposed when Big Tech stumbles.

I love this advice. This is real life, tangible, easy to implement advice. Nothing crazy or gimmicky. If you get these d...
08/27/2026

I love this advice. This is real life, tangible, easy to implement advice. Nothing crazy or gimmicky. If you get these decisions right, you'll be way ahead in the game of financial life.

1. Who You Marry The biggest financial decision you’ll ever make isn’t what you invest in, it’s who you build your life with.

Target date funds absolutely solve a problem...but they can definitely become a problem as well.
08/23/2026

Target date funds absolutely solve a problem...but they can definitely become a problem as well.

Target-date funds are a retirement saver's go-to, but advisers have concerns for those nearing retirement.

September Fed meeting should be VERY interesting...
08/19/2026

September Fed meeting should be VERY interesting...

Wall Street is backing away from a September Fed hike. The bond market is going the other way.

My favorite advice in this article: pick a card with benefits you know you'll use. For my family, thanks travel sports, ...
08/15/2026

My favorite advice in this article: pick a card with benefits you know you'll use. For my family, thanks travel sports, having a card tied to a national hotel chain has added massive financial value.

Is a credit card annual fee worth it? It depends on whether you can get enough value from your card to offset the yearly cost.

The stock market gets all the attention, but the bond market impacts us all just as much, if not more than the stock mar...
08/10/2026

The stock market gets all the attention, but the bond market impacts us all just as much, if not more than the stock market.

Bond yields rise as bond prices fall, impacting everything from stock and bond markets to loan rates and savings returns.

If you live in Kentucky, recent law changes have thrown estate plans into chaos. Remarrying now carries very different r...
08/08/2026

If you live in Kentucky, recent law changes have thrown estate plans into chaos. Remarrying now carries very different risks than it had previously...beyond social security considerations.

“She has been living with me for four years.”

I personally agree with these 3...seems like the Fed is always late to the party and I can't shake the feeling they're a...
08/01/2026

I personally agree with these 3...seems like the Fed is always late to the party and I can't shake the feeling they're about to be late again.

Three Federal Reserve members who wanted the central bank to raise interest rates this week weighed in on Friday with their rationale.

07/29/2026

One of the most common things I run across are people losing track of old retirement accounts from old jobs. The DOL came out with a website to help track them down, spend a few minutes just to be sure, could be very worth it!

The Retirement Savings Lost and Found Database serves as a centralized location to find lost or forgotten retirement benefits and get information on how to obtain those funds.

Address

10629 Henning Way, Suite 1
Louisville, KY
40241

Opening Hours

Monday 9am - 4pm
Tuesday 9am - 4pm
Wednesday 9am - 4pm
Thursday 9am - 4pm
Friday 9am - 4pm

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