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  • Writer's pictureNate Baim, MBA, CFP®

Don't Put This Off

Enjoy this week's edition of the Planner's Beta

Beta (n) - climber's jargon that designates information about a climb This digest's purpose is to share observations, ideas, and treasures found this week which you may also find insightful. Sharing does not mean it's an endorsement. I am endorsing the pursuit of knowledge and exploration.

This past weekend Becky and I explored a new section of trail with a good friend. As we came down the peak we hiked up, the clouds rolled in, providing me the opportunity to capture this foggy photo.

Happy New Year! This Month's Financial Planning Item - Review Your Debts

It is a start to a new year, which often means folks begin the year seeking to improve themselves and their lives. Financial planning is a process that systematically helps individuals create, analyze, implement, and monitor their financial and life goals.

A goal many Americans focus on is improving their financial life. One of the critical economic elements many households have to manage is debt. For this month's financial planning item, I encourage you to look through your current debts and ask yourself, "Am I deploying the best strategy to pay off my debts?"

Many American's have student loan debt and/or a mortgage. Use these two resources below to help organize your thoughts on how to improve your debt management strategies.

If you need independent advice on how to manage your debt, so it aligns with your overall financial aspirations, please review the services I offer and place an introductory appointment on my calendar.

If you are a current Pursuit Planning and Investments client, securely upload any statements needing review to PreciseFP. We can discuss this in our next check-in meeting, or feel free to place an appointment on my calendar for any urgent issues.

Managing Your Home Loan - Should You Refinance Your Mortgage?

When interest rates decline, mortgage refinancing becomes a trendy topic. However, there are several good reasons to consider refinancing. Each person's situation is unique, and you should consider many factors before deciding to refinance.

This flowchart helps guide your thoughts when considering to refinance your mortgage. This flowchart considers:

  • Interest rate trends

  • Current loan rates and terms

  • Available alternatives

  • Motivations for refinancing

  • Cautions against refinancing

Strategies for Student Loan Debt - What Issues to Consider

More than 44 million borrowers in the U.S. hold more than $1.6 trillion in student loan debt. There are many factors to consider when choosing a repayment plan or deciding to refinance or consolidate. Each person's unique circumstances will determine what strategies are available and favorable to them.

This checklist helps when planning around student loans and covers:

  • Relief available to borrowers

  • Repayment considerations

  • Costs and benefits of refinancing

  • Eligibility for loan forgiveness

Quote of the Week

"For reasons I have never understood, people like to hear the world is going to hell." - Dierdre McCloskey


Have something on your mind? Schedule a free call with Nate.


Pursuit Planning and Investments, LLC is an Investment Adviser registered with the State of Oregon. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy or the completeness of any description of securities, markets or developments mentioned. We may, from time to time, have a position in the securities mentioned and may execute transactions that may not be consistent with this communication's conclusions. Past results do not guarantee future results. Please contact us at 971-803-5948 if there is any change in your financial situation, needs, goals or objectives, or if you wish to initiate any restrictions on the management of the account or modify existing restrictions.  Additionally, we recommend you compare any account reports from PPI with the account statements from your Custodian.  Please notify us if you do not receive statements from your Custodian on at least a quarterly basis.  Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, This disclosure brochure, or a summary of material changes made, is also provided to our clients on an annual basis.

Investing involves risk. Past results do not guarantee future returns. This content should not be used as a primary basis for investment decisions and is not intended to serve as impartial investment or fiduciary advice. The performance of an index is not representative of any particular investment, as you cannot invest directly in an index.


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