About Melissa


Melissa has worked in the financial services industry for the past several years, and works to help her clients understand the often complex financial vehicles available to them for both lending and investment strategies. She is passionate about financial literacy, and as part owner of her financial planning firm, she strives to educate her clients in a way that empowers them to make the most suitable financial decisions for their unique circumstances.In addition to working with her financial planning clients, Melissa contributes articles to a number of business and finance related sites, such as APRfinder and P2Binvestor; she also is a columnist for elephant journal, which showcases more personal musings. To keep up with Melissa’s published work, or to see the occasional (read, frequent) puppy cameo, follow her on Twitter.

Recent Posts by Melissa:

Metro Credit Union (MA) offering 8% Personal Loan for the Holidays

Each year, American consumers spend just shy of $1,000 during the holiday season. The money goes toward gifts for friends and family, travel, and entertainment during the last two months of the year. For those who don’t have adequate savings set aside in advance of November, getting through the holidays without breaking the bank can […]

Posted on November 22, 2017 by Melissa

Members First Credit Union (NH) offering No Down Payment Mortgage

The process of purchasing a home can be a bit daunting, especially when all the financial aspects are considered. Prospective homeowners must be prepared to provide funds for closing costs, a down payment, as well as moving and furnishing expenses, all which add up to a significant amount. Finding a mortgage lending partner that understands […]

Posted on November 16, 2017 by Melissa

Republic Bank Offering No Down Payment Mortgage Loan

Home ownership is a dream many people strive to achieve over a lifetime, but there are often financial barriers that make the process a challenge. Saving enough for a down payment, not to mention the added expense of closing costs can make it seem impossible to get into a place to call your own. In […]

Posted on November 14, 2017 by Melissa

Teachers FCU (NY) offering Unsecured Personal Loan with 5.0% APR for the Holidays

While the holiday season is often full of excitement, it can be a financially challenging time for individuals and families. The combination of travel, gifts, entertainment, and unexpected bills can be overwhelming to manage all at once, especially when savings account balances are already low. Fortunately, during a low interest rate environment, a personal loan […]

Posted on November 9, 2017 by Melissa

Hudson Valley FCU (NY) Offering HELOC with 1.79% Introductory Interest Rate for 6 Months

Having access to affordable credit can be a lifesaver when unexpected bills or major expenses pop up. Homeowners with equity in their property have an opportunity to borrow against their home through a home equity line of credit (HELOC), which provides more flexibility than most other lending tools. Through a home equity line of credit, […]

Posted on November 7, 2017 by Melissa

The Difference Between a Security Freeze, Credit Lock and Fraud Alert

In a world where security breaches of major companies are on the rise, it can be difficult to determine which identity theft measures are appropriate for specific circumstances. Checking your credit is one simple method to uncover identity theft, but it is reactive at best. Finding a fraudulent account months or years after it was established and […]

Posted on November 6, 2017 by Melissa

Credit Unions vs. Banks – What’s the Difference?

Financial institutions exist so that consumers and businesses have a method to manage their finances with various deposit accounts, like checking, savings, and certificates of deposit, and lending, like mortgage, auto, and consumer loans. Banks and credit unions are the most commonly used financial institutions for these different products and services. However, while most financial […]

Posted on November 3, 2017 by Melissa

Third Federal Savings & Loan offering Adjustable Rate Mortgage Rate Relock without Refinancing

There are several reasons why an adjustable rate mortgage is a smart move for homebuyers, including an initial interest rate that is lower than a conventional fixed-rate mortgage. Homeowners who plan to sell their home or expect interest rates to decrease over several years may find it beneficial to opt for an adjustable rate mortgage […]

Posted on November 2, 2017 by Melissa

University of Wisconsin CU offering Lowest Mortgage Loan Closing Cost Fee Guarantee or $500

Buying a home, either as a first-time homebuyer or a seasoned pro, comes with plenty of ups and downs that can extend the process for several weeks up to a few months. Financially speaking, prospective buyers have a lengthy to-do list if they want to ensure they are getting the most bang for their home-buying […]

Posted on October 31, 2017 by Melissa

Understanding the Different Credit Card Payment Technologies – Magstripe, EMV and NFC

It wasn’t too long ago that all consumers had to worry about was having enough cash in their wallet to make a purchase. In today’s technology-infused marketplace, you’d be hard-pressed to find someone walking around with wads of cash in hand. Instead, the use of plastic or in some cases, metal, is far more prevalent […]

Posted on October 30, 2017 by Melissa