The world is hectic, and the future is uncertain.

And when it comes to your finances and taxes, you are probably lost.

You ask:

Have I filed my taxes correctly?

Am I paying too much taxes?

Will I ever pay off my student loans?

Will I manage to pay for my kid’s college?

Will I have enough money to retire?

And so on, and so on…

You get anxiety by thinking of the future. And we get it. We were in your shoes.

That’s why we created the Owl’s Money Advice newsletter.

But first, let us tell you our story 😇

We Started From the Bottom, Now We’re Here

Our founder, Ben Martinek, and his wife, Deb, finished college and graduate school with a huge pile of student loans.

They finished their studies right at the beginning of the Great Recession of 2008. And the best thing?

Ben graduated with a master’s degree in philosophy, and Deb with a master’s degree in theology. Their job prospecting wasn’t great, to say the least.

So, Ben and Deb had no job and had a student loan burden of more than $100,000.

What did they do?

They decided to become over-the-road professional truck drivers, together!

Within three years, they paid off their student loans and stabilized their finances.

Gradually, Ben became obsessed with finances and taxes, spending hours and hours daily absorbing and studying financial literature.

Eventually, he became ​​a Certified Financial Planner™ and an Enrolled Agent… among other certificates.  

Now, let’s jump back into Owl’s Money Advice and how it will help you.

Financial and Tax Expertise at Your Fingertips

Owl’s Money Advice newsletter is a joint venture between our financial planning company, Bona Fide Finance and our sister company in tax preparation, Magni Tax Experts.

Our mission is simple: to bring you the best in financial and tax advice.

We aim to help you navigate the wild, uncertain world of personal finance with confidence and good sense.

Philosophy Behind the Name

At Bona Fide Finance, the philosophy is clear: “Bona Fide” means “in good faith.” This principle guides all the advice you'll find here at Owl’s Money Advice.

The future is unpredictable, and despite many attempts to foresee what lies ahead, no one can. Thus, the best approach is to prepare for the myriad possibilities that life may present.

Life, despite its apparent order, retains an element of wildness, and this perspective shapes everything in Owl’s Money Advice newsletter.

Understanding the Unknown

G.K. Chesterton captured this beautifully in his book, "Orthodoxy." He wrote,

“The real trouble with this world of ours is not that it is an unreasonable world, nor even that it is a reasonable one. The commonest kind of trouble is that it is nearly reasonable, but not quite. Life is not an illogicality; yet it is a trap for logicians. It looks just a little more mathematical and regular than it is; its exactitude is obvious, but its inexactitude is hidden; its wildness lies in wait.”

This quote is central to understanding the financial guidance provided here. While no one can predict the future, you can be prepared for whatever comes your way.

The advice in Owl's Money Advice aims to ensure you are well-equipped to handle the uncertainties of life with good finance and common sense.

Practical and Straightforward Advice

Our advice is practical and straightforward. We avoid jargon and complex financial language.

Instead, we focus on simple, actionable tips that you can apply to your daily life.

We believe financial wisdom should be accessible to everyone, regardless of background or financial situation.

What You Can Expect

In each issue of Owl's Money Advice, you’ll find some of these topics:

• Student Loan Strategies: Find effective solutions for managing and paying off student loans.

Understand repayment options, including Public Service Loan Forgiveness (PSLF), income-driven repayment plans, and strategies for refinancing or consolidating your loans.

• Budgeting and Saving Tips: Learn practical strategies for managing your money and saving for the future.

Discover how to create a budget that works for you, identify areas where you can cut expenses, and implement effective saving techniques.

• Investment Guidance: Gain insights on growing your wealth through smart investing.

Whether you're a beginner or an experienced investor, find out how to build a diversified portfolio that matches your risk tolerance and financial goals.

• Tax Planning: Get advice on minimizing your tax burden and staying compliant with tax laws.

Understand the latest tax regulations and learn strategies to reduce your tax liability, maximize deductions, and plan for future tax obligations.

• Debt Management: Explore techniques to pay off debt and achieve financial freedom.

Learn methods to tackle high-interest debt, including credit cards and loans, and discover ways to manage your debt more effectively.

• Retirement Planning: Follow steps to ensure you have enough money for a comfortable retirement.

Learn how to calculate your retirement needs, choose the right retirement accounts, and develop a savings plan to secure your future.

Each issue is packed with tips and expert advice to help you achieve your financial goals and navigate personal finance with ease.

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Join the Journey

You don't have to navigate the financial wilderness alone.

Subscribe to Owl's Money Advice newsletter and gain access to expert financial and tax advice tailored to help you thrive.

Subscribe now and take the first step towards financial confidence and stability.

Let Owl’s Money Advice guide you through the wildness that lies in wait.

Disclaimer: The content provided is for educational purposes only and should not be taken as investment advice. This information is general in nature and has not taken into account your personal financial position or objectives. Before proceeding, please refer to a licensed adviser or tax agent.‍