Steven Twombly, Envision Strategies Powered by Prudential Advisors

08/20/2026

It's not too soon to start planning for the tax season. It's much better to have a plan BEFORE the end of the tax year.

Tax reference numbers at a glance.

08/18/2026

There are many different options for highly appreciated assets. Don't hesitate to reach out to talk about the options.

If the value of your stocks, bonds, or other capital investments has increased substantially, there are a few steps you can take to minimize taxation. These include timing the sale of your capital assets, using capital losses effectively, and passing assets to heirs at your death. In addition, you m...

08/13/2026

Is a home equity loan a solution for paying for expenses? With my financial planning software, I can run the numbers with you to find out. Please reach out to me for a free analysis.

A home equity loan (often referred to as a second mortgage) is a loan for a fixed amount of money that must be repaid over a fixed term. Generally, a home equity loan:advances the full amount you borrow at the beginning of the loan's term, carries a fixed rate of interest, requires equal monthly pay...

08/11/2026

People are moving to states with lower taxes. But what if you don't want to move? Many of us have families we want to stay close to. Let's talk to see how we might be able to overcome some of these tax situations.

IRS Migration Data show that taxpayers are moving from higher-tax states to lower-tax states.

07/30/2026

What do you call a fish wearing a bowtie?
Sofishticated.

The first step in the financial planning process should be to calculate your net worth.

07/28/2026

Camp Fire Heartland's Summer Camp

This past summer Camp Fire provided summer day camp in Wyandotte County. Over 80% of the children who attended received scholarships. They did amazing projects, learned about STEM, and invented new things with e 3D printer. They took breaks to read books and play in nature. They experienced a kind of magic that only summer camp can provide.

Will you consider donating to our summer camp so that more children can access camp scholarships. For this week, if you donate at this link, your donation will be DOUBLED! So, if you can only donate $5, that's okay. We'll get $10!

https://givebutter.com/double-the-impact-for-camp-fire-heartland-piwhgh

07/28/2026

Why did the math book look sad?
It had too many problems.

Generally, you should keep your tax returns and supporting information for six to seven years.

07/23/2026

What do you call cheese that isn't yours?
Nacho cheese.

A home equity loan is a loan that is secured by your home.

07/23/2026

Why can't you trust stairs?
They're always up to something.

Generally, the more points that you pay up front, the lower the interest rate on your mortgage.

07/21/2026

Did you hear about the restaurant on the moon?
Great food, no atmosphere.

The general rule is that spouses are not responsible for each other's debts.