Articles by Lance Cothern

Lance is a licensed Certified Public Accountant (CPA) in the state of Virginia and he covers money management, budgeting, financial products, and more. He is also the founder of Money Manifesto, a personal finance blog, where he writes about his family's relationship with money. Education: B.B.A. in Accounting from James Madison University.

Tax Efficient Investing: Put Investments in the Right Places to Reduce Taxes Owed Learn how to use tax-efficient investing to put your stocks, bonds, and other investments in the best accounts to minimize the amount of taxes paid. How to Save on Life Insurance With the Ladder Strategy Photo of Lance Cothern Lance Cothern How to Save on Life Insurance With the Ladder Strategy A person’s need for life insurance coverage changes as they grow older. Initially,... 8 Business Checking Account Fees to Watch Out For Photo of Lance Cothern Lance Cothern 8 Business Checking Account Fees to Watch Out For Business owners have plenty of expenses to pay to keep their companies... 5 Signs You Need a New Checking Account Find out how your checking account could be hurting your finances and what you should look for in the best checking account for you. How to Protect Against Wage Garnishments, Bank Levies Learn what you can do to protect your finances against wage garnishments and bank levies that can slow you down from repairing your financial situation. How to Help Manage the Finances of Aging Parents Photo of Lance Cothern Lance Cothern How to Help Manage the Finances of Aging Parents Getting old is a fact of life. Unfortunately, people may start to lose their... What Happens If You Need an Early Withdrawal from a 529 Plan? Photo of Lance Cothern Lance Cothern What Happens If You Need an Early Withdrawal from a 529 Plan? You know college is expensive. That means you’ll need to save quite a bit of... Why You Should Pay Attention to the Expense Ratio on Mutual Funds and ETFs Learn all about expense ratios and the impact on the returns of your investments. Find out what fees are included in the costs. Do You Need a CPA or CFP for Financial Advice? Find out whether you need the professional advice and guidance from a certified public accountant (CPA) or a certified financial planner (CFP). How to Check Your Business Credit Score Photo of Lance Cothern Lance Cothern How to Check Your Business Credit Score When you apply for a loan as an individual, the lender checks your personal credit...