Melissa Myers, CFP®

(231) 733-1166


Wednesday, September 16, 2020

“My day-to-day finances are on me.” “Retirement is all on my shoulders.” “I can’t depend on a man for my future.” “It’s 100% my responsibility.” While coming to terms with the...


Tuesday, August 11, 2020

While I can’t speak for other financial planners, I can share with you what this financial planner and her husband are doing with their finances right now.


Monday, April 20, 2020

Click to download. Resource Center Check Your Financial Plan and Investments Previous Blog Posts How are you feeling? Have you been wondering when things will change or how this crisis will impact you in the long run? It's...


Tuesday, April 7, 2020

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Saturday, March 21, 2020

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Monday, December 16, 2019

Defaulting into retirement doesn't have to be your reality. You can design your retirement to happen at any age with a plan!


Monday, October 21, 2019

Even if you know what to do regarding personal finance, you may be missing important elements that could be costly in the long run.


Monday, July 29, 2019

1. Put your money into things that make you money 2. Pay extra on your mortgage 3. Protect your wealth 4. Set up systematic investments and savings transfers 5. Pay off debt 6. Stop using debt 7. Use tax free strategies 8. Seek wise counsel


Friday, June 14, 2019

Lifestyle Analysis Monthly Expenses Future expenses Transcript Picture of expenses form Featured Image Change date to a june date Calculation


Tuesday, May 7, 2019

Personal finance is personal. When it comes to your assets and the management of your wealth, that’s personal too. A million dollars isn’t a lot of money anymore.


Wednesday, February 27, 2019

Wondering what makes an investment a good one?


Monday, December 10, 2018

Investing in retirement accounts can have some benefits. There are also things you should take into consideration when investing for retirement. Conventional Wisdom "The earlier you start saving for retirement, the more you'll have...


Thursday, November 15, 2018

Reflection Today I’m taking time to reflect on the past year, what I’m grateful for, what I’ve learned, and how I’ve grown. This is part of my discipline to continue the process of personal development so that I...


Friday, July 6, 2018

Is A 30 Year Mortgage Really Your Best Choice? Home ownership can help build your net worth. Don't make the mistake of paying more than you need to though. There are multiple factors to consider when taking on the responsibility of a...


Wednesday, March 21, 2018

Why You Should Care Your net worth is one measure of your financial health. Say what??? Have you always thought it was your credit score that's important? While credit score is important, it isn’t the sole indicator of financial...


Thursday, February 1, 2018

Melissa Myers, CFP® of Kar-Mel Financial Planners, Grand Haven, Michigan has compiled your list of monthly action steps for values-based living in 2018 and beyond.


Wednesday, January 10, 2018

The New Tax Bill represents "the most sweeping overhaul of the U.S. tax code in more than 30 years." How will the new tax bill impact you?


Monday, December 11, 2017

I've been on a journey toward simple living for the past decade. For me, it started in my kitchen. Cooking from scratch, using whole ingredients, ridding my pantry of needless and often processed foods. Then it moved from my kitchen...


Thursday, September 7, 2017

Oh, You're Retiring! When I decided to step down from a position that I had thoroughly enjoyed and through which much was accomplished, I encountered a puzzling experience. As I shared this decision, I was met with a well-intended...


Friday, July 7, 2017

Personal Finance. Wealth. Prosperity. Summer is a great time for learning and for getting a refresher on subjects you already know. Searching for inspiration? Look no further. I've compiled this list just for you!


Thursday, May 11, 2017

Can you smell chip cookies baking? Do you smell the damp, fertile soil, as you weed your garden? Are you spending more time at the lake fishing with your grandkids, smelling the fresh lake air in the breeze?


Monday, February 20, 2017

Don't procrastinate calling your financial planner. If you are contemplating a financial decision a call to your planner is reasonable and expected.


Tuesday, January 17, 2017

Congratulations on your Milestone Anniversary!!! Whether you're celebrating 1 year or 30 here's a helpful checklist for you and your spouse to review together. 5 Things To Do With Your Spouse Everytime You Celebrate A Milestone...


Tuesday, December 20, 2016

The following list of 10 Key Questions comes from the CFP® Board's website: Melissa Myers, CFP® professional in Grand Haven, Michigan shares her answers below


Friday, November 11, 2016


Thursday, November 10, 2016

Planning ahead is always a good idea; especially when it comes to investing in a swimming pool. In addition to financial considerations, there are lifestyle considerations. Find out if a pool is right for you and if now is the right time.


Wednesday, October 12, 2016

For those of you wondering what a BHAG is, it stands for Big Hairy Audacious Goal. What is your Big Hairy Audacious Goal? In my opinion, if it doesn’t both excite you and scare you, it isn’t a BHAG! Dream Big Setting goals...


Thursday, July 7, 2016

What Can You Design with Leftovers, $25, and Purpose?It is my passion, as well as my therapy, to cook for my family.  To avoid the groans about leftovers for dinner, the leftovers are repurposed into...


Wednesday, June 1, 2016

Hate grocery shopping? Don't hate...just plan ahead then delegate!


Tuesday, April 5, 2016

Are you contemplating whether or not to begin the financial planning process? Today's post addresses 7 Reasons Why Financial Planning Isn't Going To Work. See if any of them apply to you.


Thursday, January 28, 2016

Are you overwhelmed with the thought of getting your finances in order? Would you rather wash windows than create a budget?