Philip Cioppa Gravatar

Philip Cioppa

In Personal Finance, Managing Debt

Managing Principal and Chief Investment Officer of Arbol Financial Strategies, LLC, Arbol Financial Strategies, LLC (Securities offered through LPL Financial, Member FINRA/SIPC), Phil Cioppa has more than 10 years of financial service experience and specializes in asset management strategies, insurance planning and taxation issues.

What Would Jesus Charge? The Morality of Debt

Managing Debt

What Would Jesus Charge? The Morality of Debt

What Would Jesus Charge? The Morality of Debt

The issue of whether debt is good or bad can forever be debated, especially at a time like this when many people are overwhelmed with it.  But is it immoral to carry debt?  More specifically, is it wrong to have debt if you’re a Christian? I was an ordained Catholic Priest from 1983-2001 for the... Read More

Why You Should Care About What Happens in Europe

Personal Finance

Why You Should Care About What Happens in Europe

Why You Should Care About What Happens in Europe

Often, events that occur in some other part of the world do not seem relevant to us. For example, when we read about the European debt crisis and the problems in Greece, it’s all too easy to think of it as “their” problem and to not understand why we should care about what’s happening there.... Read More

Debt Confessions of a Former Priest

Managing Debt

Debt Confessions of a Former Priest

Debt Confessions of a Former Priest

True confession! I am about to share with you a part of my life that I am not proud of, but it’s a story that needs to be shared. Most of you don’t know it, but for 18½ years I served as a Roman Catholic priest. In 2001, I left the priesthood in excellent standing... Read More

One Couple That Should Refi, And One That Shouldn’t

Mortgages

One Couple That Should Refi, And One That Shouldn’t

One Couple That Should Refi, And One That Shouldn’t

Mortgage rates are at historic lows. So is now a good time to refinance your home loan? It depends. Let’s consider two different couples, one for whom it’s a good idea, and one for whom it may not be. First off, it used to be that refinancing was a good idea if you could lower... Read More

When Debt Can Be Good for You

Managing Debt

When Debt Can Be Good for You

When Debt Can Be Good for You

The idea might make some shudder: Debt can be good? Believe it or not, it is actually good to have certain types of debt in your financial portfolio, assuming you are comfortable with owing money. Why? Because it is through debt that you can acquire assets such as housing, automobiles and other types of property.... Read More

Getting Married? How to Talk About Money

Personal Finance

Getting Married? How to Talk About Money

Getting Married? How to Talk About Money

Love is grand! But when a couple says “I Do,” they could get more than they bargained for if they do not go into their marriage with their eyes wide open regarding the state of each another’s finances. For example, my wife and I married later in life, owing a combined total of $179,000 in... Read More

How an Advisor Can be Your Credit Coach

Personal Finance

How an Advisor Can be Your Credit Coach

How an Advisor Can be Your Credit Coach

Far too often we think that financial advisors are only responsible for managing their clients’ assets. However, in many ways financial advisors act as their clients’ “financial life coaches,” helping them improve and maintain their overall financial health. In other words, advisors not only try to maximize the return on their clients’ investments and make... Read More

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