Free educational content to help you make better financial decisions — from retirement planning basics to understanding digital assets.
Payrolls fell 23,000; the S&P 500 closed at a record the same afternoon. Why the two headlines don’t contradict each other, what the wage math actually shows, and what deserves your attention in Utah.
Read More →The Fed held; mortgage rates rose anyway. Why the two are less connected than people assume, what a Utah affordability study shows, and the arithmetic of waiting — both directions.
Read More →Why July COLA estimates swing, what Part B is projected to claw back, and the three things that quietly erode the raise: Part D, the never-indexed taxation thresholds, and the IRMAA cliff.
Read More →Getting the full BRS match, the TSP cap trap, Roth TSP and combat pay, SBP and SGLI, and what happens at separation — the unhurried version of the briefing.
Read More →Vesting is income; holding is a decision. The 22% withholding gap, ESPP fine print, concentration ceilings, and a sell-schedule that turns paper wealth into a plan.
Read More →Commissions, seasons, and liquidity events. The reservoir architecture, the 110% safe harbor, the new QSBS tiers, and retirement without an HR department.
Read More →Everything at once fails; in order, it works. Emergency fund, the match, debt, retirement, then my529 — with Utah's actual 2026 credit numbers.
Read More →Layoffs, buyouts, and a changing FERS. A calm, education-first guide for Ogden IRS and Wasatch Front federal workers: emergency reserves, buyout math, the FERS supplement's 2028 end, and 2026 TSP strategy.
Read More →Chip stocks fell ~20% and "AI bubble" searches surged. What happened, what the 2000 comparison gets right and wrong, and how much AI your index funds already hold.
Read More →Millions of borrowers are getting 90-day notices to pick a new repayment plan. What the clock means, the options on the menu, and the mistakes to avoid.
Read More →The $1,000 federal head start for newborns, a new tax-deferred account for kids — and the rules worth understanding before you enroll.
Read More →A comprehensive financial plan isn't just for the wealthy. Here's why it matters and how to get started.
Read More →A plain-English introduction to Bitcoin — what it is, how it works, and whether it belongs in your portfolio.
Read More →Term vs. whole life, how much you need, and common mistakes to avoid when shopping for coverage.
Read More →A plain-English look at smart contracts, stablecoins, and the parts of crypto that aren't Bitcoin.
Read More →How owning an index through individual stocks — instead of a single fund — can unlock tax-loss harvesting opportunities a fund structure can’t.
Read More →Mortgages, savings, bonds, inflation — the parts of your financial life that move when the Federal Reserve does.
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Short, educational videos covering the topics that matter most to your financial life.
#1 in Income, #1 in Debt — Utah's money paradox, and the numbers every family should see, in 3 minutes. Ready to talk? See how we work with Utah families
How tax-loss harvesting works, in 4½ minutes. Companion post: Direct Indexing.
What changed, the 1–5% rule, and why where you hold it matters. Companion post: Bitcoin 101.
Common retirement planning errors and how to steer clear of them.
Every guide is free and open — no email required, no form in the way. If you want the version you can actually work in, I'll send that too.
How the IRS treats digital assets, what actually triggers a taxable event, and the record-keeping most people don't start until it's too late to reconstruct.
Download the PDF — free, no emailWant the cost-basis tracker that goes with it?
A fillable spreadsheet with the lot-tracking columns your CPA will ask for, pre-formatted for the exchanges most Utah investors actually use.
The checks worth running before you set a retirement date — sequence-of-returns exposure, the tax-bracket window between retiring and RMDs, and what your withdrawal order should actually be.
Download the PDF — free, no emailWant the scored version?
Same checklist, but you answer twelve questions and get your gaps ranked — so you know which one to fix first instead of staring at a list of twenty.
The arithmetic behind a coverage number — debts, income replacement, the mortgage, and education — and why the “10× your salary” rule of thumb is wrong in both directions depending on who you are.
Run the calculator — free, no email Or download the printable worksheet (PDF)Want your results written up?
A one-page summary of your coverage gap with the four questions to ask before you buy a policy — including the two that reveal whether you're being sold the wrong product for your situation.
What's under the hood of a broad index fund, how weighting decisions quietly concentrate your risk, and where costs hide even in a “cheap” portfolio.
Download the PDF — free, no emailHolding concentrated stock or a large taxable account?
I'll send the direct-indexing companion — how tax-loss harvesting works on an individual-share portfolio, and the account size where it starts to be worth the complexity.
These materials are educational and general in nature. They are not investment, tax, or legal advice, are not tailored to any individual's circumstances, and are not a recommendation to buy or sell any security. Kimberlite Financial Services LLC is an investment adviser registered with the State of Utah; registration does not imply a certain level of skill or training. Consult your own tax or legal professional before acting on anything here.
