If you’re looking for a reliable way to earn interest on your savings, bonds are an excellent option. Unlike traditional savings accounts, bonds offer a fixed rate of return that’s currently higher than what you can earn from a bank. In this article, we’ll explore why bonds are a smart investment choice in 2023 and... Read More →

If you’re looking for a safe place to keep your savings, you may automatically think of a traditional bank account. However, recent news of bank failures and economic instability has caused many people to question whether banks are really the safest option. In fact, there are several reasons why brokerages may be a safer place... Read More →

We’ve all heard the saying, “Don’t put all your eggs in one basket.” This mantra has been the cornerstone of investment advice for generations. But is more diversification always a good idea? Let’s take a closer look at this widely accepted investment principle and how it may not always be in your best interest. The... Read More →

A growing trend among businesses is allowing people to earn up to 4% by paying in cash. This may come as a surprise to many, but paying with cash can save you money and even earn you a little extra cash in the process. You can even help support your local businesses in the process!... Read More →

As a financial planning firm, understanding the US dollar’s reserve currency status is crucial. You have my permission to ignore all the prophets of doom and gloom who currently dominate headlines, but don’t tell the whole truth! Let’s separate fact from fiction and base our decisions on accurate information. In this blog post, we’ll debunk... Read More →

Maximize Your Earnings with Smart Savings Strategies Are you feeling the sting of low interest on your savings? In a world with a rising cost of living, your hard-earned money should be working harder for you. Thankfully, there are ways to significantly increase your earnings. Let’s explore some options to get your savings generating as... Read More →

WHAT FISHING CAN TEACH US ABOUT INVESTING, A SHORT STORY: In a small coastal village, cradled by a shimmering azure sea, lived an elderly fisherman named Elias. His fishing methods, unassuming and simplistic, often became a topic of jest among the fellow villagers. Unlike the other villagers who relied on intricate methods and high-tech equipment... Read More →

In the world of investing, there’s a continuous debate between investing for growth [ex: a portfolio of tech stocks] and investing for income [ex: a portfolio of dividend-paying stocks]. Both strategies have their proponents, but at Toce Financial we know that growth-oriented investing, especially when young, is a pathway to greater wealth. Let’s explore why... Read More →