--- title: PAX Financial Blog | Financial Planning description: Financial Planning | Read PAX Financial's blog to stay current with personal finance issues that are important for your financial goals. --- - [About PAX](https://paxfinancialgroup.com/about-pax/) - [Our Story](https://paxfinancialgroup.com/about-pax/our-story/) - [The PAX Financial Group Team](https://paxfinancialgroup.com/about-pax/our-team/) - [Awards and Recognition](https://paxfinancialgroup.com/about-pax/awards-and-recogitions/) - [Are We Right For You?](https://paxfinancialgroup.com/are-we-right-for-you/) - [Contact Us](https://paxfinancialgroup.com/connect-with-pax-financial-group/) - [Who We Serve](https://paxfinancialgroup.com/who-we-serve/) - [What We Do](https://paxfinancialgroup.com/what-we-do/) - [Services for Individuals](https://paxfinancialgroup.com/what-we-do/services-for-individuals/) - [Pivot Retirement Planning](https://paxfinancialgroup.com/what-we-do/pivot-retirement-planning/) - [Services for Employers](https://paxfinancialgroup.com/what-we-do/services-for-employers/) - [Insurance](https://paxfinancialgroup.com/what-we-do/insurance/) - [Resources](https://paxfinancialgroup.com/resources/) - [Blog](https://blog.paxfinancialgroup.com/) - [PAX Quick Guides](https://paxfinancialgroup.com/pax-quick-guides/) - [eBooks](https://paxfinancialgroup.com/ebooks/) - [PAX Videos](https://paxfinancialgroup.com/resources/pax-videos/) - [Books](https://paxfinancialgroup.com/resources/books/) - [Payments](https://secure.bluepay.com/interfaces/shpf?SHPF_FORM_ID=mobileform01D&SHPF_ACCOUNT_ID=100724655456&SHPF_TPS_DEF=SHPF%5FFORM%5FID%20SHPF%5FACCOUNT%5FID%20DBA%20TAMPER%5FPROOF%5FSEAL%20AMEX%5FIMAGE%20DISCOVER%5FIMAGE%20TPS%5FDEF%20TPS%5FHASH%5FTYPE%20SHPF%5FTPS%5FDEF%20CUSTOM%5FHTML%20SHPF%5FTPS%5FHASH%5FTYPE%20REBILLING%20REB%5FCYCLES%20REB%5FAMOUNT%20REB%5FEXPR%20REB%5FFIRST%5FDATE&SHPF_TPS_HASH_TYPE=HMAC%5FSHA512&SHPF_TPS=d5080ea6f79b50c4e49eb8b732c06ed9a9ceccf482e9d2858b38e10409c48cae2113c955723aabea8ea9306624acc3ec85af973afa52af67b280c4efc6f41d93&MODE=LIVE&TRANSACTION_TYPE=SALE&DBA=PAX%20Financial%20Group&AMOUNT=&TAMPER_PROOF_SEAL=acec80a3aacdad7f9ea894fb26f1e93884dc837d9bd8259ef407546e220a9b603da4b9b9f252d12b88e0bd66f8e8be12c05eb44f843b901406e4a51e3da13026&CUSTOM_ID=&CUSTOM_ID2=&REBILLING=0&REB_CYCLES=&REB_AMOUNT=&REB_EXPR=&REB_FIRST_DATE=&AMEX_IMAGE=amex%2Egif&DISCOVER_IMAGE=discvr%2Egif&REDIRECT_URL=https%3A%2F%2Fsecure%2Ebluepay%2Ecom%2Finterfaces%2Fshpf%3FSHPF%5FFORM%5FID%3Dmobileresult01%26SHPF%5FACCOUNT%5FID%3D100724655456%26SHPF%5FTPS%5FDEF%3DSHPF%255FACCOUNT%255FID%2520SHPF%255FFORM%255FID%2520RETURN%255FURL%2520DBA%2520AMEX%255FIMAGE%2520DISCOVER%255FIMAGE%2520SHPF%255FTPS%255FDEF%2520SHPF%255FTPS%255FHASH%255FTYPE%26SHPF%5FTPS%5FHASH%5FTYPE%3DHMAC%255FSHA512%26SHPF%5FTPS%3Dd488c2e90342636299786ebcd52a22e4b8c1d94e333a03fd781cde6ce343e2005d461985931f1c208376fe866b45b6e651d1f1e747766d3ade198a4513fababb%26RETURN%5FURL%3D%26DBA%3DPAX%2520Financial%2520Group%26AMEX%5FIMAGE%3Damex%252Egif%26DISCOVER%5FIMAGE%3Ddiscvr%252Egif&TPS_DEF=MERCHANT%20APPROVED%5FURL%20DECLINED%5FURL%20MISSING%5FURL%20MODE%20TRANSACTION%5FTYPE%20TPS%5FDEF%20TPS%5FHASH%5FTYPE%20REBILLING%20REB%5FCYCLES%20REB%5FAMOUNT%20REB%5FEXPR%20REB%5FFIRST%5FDATE&TPS_HASH_TYPE=HMAC%5FSHA512&CUSTOM_HTML=&CARD_TYPES=vi%2Dmc%2Ddi%2Dam) - [Get Started](https://paxfinancialgroup.com/connect-with-pax-financial-group/) - [Client Login](https://login.orionadvisor.com/login.html?g=bfb10d51-fc34-4f06-a8bc-53c5fb407eb8) [![PAXFinancialGroup](https://blog.paxfinancialgroup.com/hubfs/PAXFinancialGroup-Dec2017/Image/logo.png "PAXFinancialGroup")](http://www.paxfinancialgroup.com) # PAX Financial Blog [![401K to roth ira](https://blog.paxfinancialgroup.com/hubfs/Financial%20advisors%20in%20San%20Antonio%20Texas%20PAX%20Financial%20Group.jpg)](https://blog.paxfinancialgroup.com/blog/a-401k-to-roth-conversion-when-it-makes-sense-and-when-it-doesnt) [Financial Planning](https://blog.paxfinancialgroup.com/blog/tag/financial-planning) [retirement](https://blog.paxfinancialgroup.com/blog/tag/retirement) May 11th, 2021 by: [Roger Stukkie](https://blog.paxfinancialgroup.com/blog/author/roger-stukkie) ## [A 401(k)-to-Roth Conversion: When it Makes Sense, and When it Doesn’t](https://blog.paxfinancialgroup.com/blog/a-401k-to-roth-conversion-when-it-makes-sense-and-when-it-doesnt) [Read More](https://blog.paxfinancialgroup.com/blog/a-401k-to-roth-conversion-when-it-makes-sense-and-when-it-doesnt) [![review of financial plans](https://blog.paxfinancialgroup.com/hubfs/financial%20planning%20San%20Antonio%20PAX%20Financial%20Group%20Texas.jpg)](https://blog.paxfinancialgroup.com/blog/what-is-a-monte-carlo-simulation-and-why-do-financial-advisors-use-it) [Financial Planning](https://blog.paxfinancialgroup.com/blog/tag/financial-planning) [financial advisor San Antonio](https://blog.paxfinancialgroup.com/blog/tag/financial-advisor-san-antonio) May 4th, 2021 by: [Bryan Wing](https://blog.paxfinancialgroup.com/blog/author/bryan-wing) ## [What is a Monte Carlo Simulation and Why Do Financial Advisors Use It?](https://blog.paxfinancialgroup.com/blog/what-is-a-monte-carlo-simulation-and-why-do-financial-advisors-use-it) [Read More](https://blog.paxfinancialgroup.com/blog/what-is-a-monte-carlo-simulation-and-why-do-financial-advisors-use-it) [![are you financially ready for retirement](https://blog.paxfinancialgroup.com/hubfs/Retirement%20planning%20San%20Antonio%20PAX%20Financial%20Group.jpg)](https://blog.paxfinancialgroup.com/blog/15-things-to-have-in-place-before-you-retire) [Financial Planning](https://blog.paxfinancialgroup.com/blog/tag/financial-planning) [retirement](https://blog.paxfinancialgroup.com/blog/tag/retirement) [financial advisor San Antonio](https://blog.paxfinancialgroup.com/blog/tag/financial-advisor-san-antonio) Apr 13th, 2021 by: [Roger Stukkie](https://blog.paxfinancialgroup.com/blog/author/roger-stukkie) ## [15 Things to Have in Place Before You Retire](https://blog.paxfinancialgroup.com/blog/15-things-to-have-in-place-before-you-retire) [Read More](https://blog.paxfinancialgroup.com/blog/15-things-to-have-in-place-before-you-retire) [![next generation small business owner](https://blog.paxfinancialgroup.com/hubfs/retirement%20planning%20for%20business%20owners%20in%20Texas%20PAX%20Financial%20Group%20San%20Antonio.jpg)](https://blog.paxfinancialgroup.com/blog/common-estate-planning-questions-how-to-pass-a-business-on-to-the-next-generation) [Financial Planning](https://blog.paxfinancialgroup.com/blog/tag/financial-planning) [financial advisor San Antonio](https://blog.paxfinancialgroup.com/blog/tag/financial-advisor-san-antonio) [estate planning](https://blog.paxfinancialgroup.com/blog/tag/estate-planning) Mar 22nd, 2021 by: [David Alvarez](https://blog.paxfinancialgroup.com/blog/author/david-alvarez) ## [Common Estate Planning Questions: How to Pass a Business on to the Next Generation](https://blog.paxfinancialgroup.com/blog/common-estate-planning-questions-how-to-pass-a-business-on-to-the-next-generation) [Read More](https://blog.paxfinancialgroup.com/blog/common-estate-planning-questions-how-to-pass-a-business-on-to-the-next-generation) [![business owner conducting day to day operations](https://blog.paxfinancialgroup.com/hubfs/retirement%20planning%20for%20business%20owners%20in%20San%20Antonio%20PAX%20Financial%20Group.jpg)](https://blog.paxfinancialgroup.com/blog/5-ways-offering-a-retirement-plan-to-your-employees-benefits-you-too) [Financial Planning](https://blog.paxfinancialgroup.com/blog/tag/financial-planning) [retirement](https://blog.paxfinancialgroup.com/blog/tag/retirement) [financial advisor San Antonio](https://blog.paxfinancialgroup.com/blog/tag/financial-advisor-san-antonio) Mar 1st, 2021 by: [Lucas MacDonald](https://blog.paxfinancialgroup.com/blog/author/lucas-macdonald) ## [5 Ways Offering a Retirement Plan to Your Employees Benefits You, Too](https://blog.paxfinancialgroup.com/blog/5-ways-offering-a-retirement-plan-to-your-employees-benefits-you-too) [Read More](https://blog.paxfinancialgroup.com/blog/5-ways-offering-a-retirement-plan-to-your-employees-benefits-you-too) [![woman discussing biblically responsible investing with advisor](https://blog.paxfinancialgroup.com/hubfs/PAX%20Financial%20Group%20Biblically%20Responsible%20Investing.jpg)](https://blog.paxfinancialgroup.com/blog/is-a-biblically-responsible-investing-strategy-right-for-you) [Financial Planning](https://blog.paxfinancialgroup.com/blog/tag/financial-planning) [financial advisor San Antonio](https://blog.paxfinancialgroup.com/blog/tag/financial-advisor-san-antonio) [Forbes](https://blog.paxfinancialgroup.com/blog/tag/forbes) Feb 5th, 2021 by: [Darryl Lyons](https://blog.paxfinancialgroup.com/blog/author/darryl-lyons) ## [Is a Biblically Responsible Investing Strategy Right for You?](https://blog.paxfinancialgroup.com/blog/is-a-biblically-responsible-investing-strategy-right-for-you) [Read More](https://blog.paxfinancialgroup.com/blog/is-a-biblically-responsible-investing-strategy-right-for-you) [![business owner reflecting on financial plans](https://blog.paxfinancialgroup.com/hubfs/financial%20planning%20for%20business%20owners%20San%20Antonio%20PAX%20Financial%20Group.jpg)](https://blog.paxfinancialgroup.com/blog/8-dangerous-financial-planning-assumptions-business-owners-shouldnt-be-making) [Financial Planning](https://blog.paxfinancialgroup.com/blog/tag/financial-planning) [financial advisor San Antonio](https://blog.paxfinancialgroup.com/blog/tag/financial-advisor-san-antonio) Feb 1st, 2021 by: [Brad Hallett](https://blog.paxfinancialgroup.com/blog/author/brad-hallett) ## [8 Dangerous Financial Planning Assumptions Business Owners Shouldn’t Be Making](https://blog.paxfinancialgroup.com/blog/8-dangerous-financial-planning-assumptions-business-owners-shouldnt-be-making) [Read More](https://blog.paxfinancialgroup.com/blog/8-dangerous-financial-planning-assumptions-business-owners-shouldnt-be-making) [![letters ETF on an iPad](https://blog.paxfinancialgroup.com/hubfs/ETF%20PAX%20Financial%20Group%20San%20Antonio%20Texas.jpg)](https://blog.paxfinancialgroup.com/blog/etfs-cater-to-socially-responsible-investors-pax-weighs-in-on-the-trend) [Financial Planning](https://blog.paxfinancialgroup.com/blog/tag/financial-planning) [financial advisor San Antonio](https://blog.paxfinancialgroup.com/blog/tag/financial-advisor-san-antonio) Jan 11th, 2021 by: [Darryl Lyons](https://blog.paxfinancialgroup.com/blog/author/darryl-lyons) ## [ETFs Cater to Socially Responsible Investors; PAX Weighs in on the Trend](https://blog.paxfinancialgroup.com/blog/etfs-cater-to-socially-responsible-investors-pax-weighs-in-on-the-trend) [Read More](https://blog.paxfinancialgroup.com/blog/etfs-cater-to-socially-responsible-investors-pax-weighs-in-on-the-trend) [![2021 calendar on desk](https://blog.paxfinancialgroup.com/hubfs/start%20young%20financial%20group%20PAX.jpg)](https://blog.paxfinancialgroup.com/blog/pax-financial-groups-2021-financial-checklist-top-10-to-dos) [Financial Planning](https://blog.paxfinancialgroup.com/blog/tag/financial-planning) Jan 4th, 2021 by: [Darryl Lyons](https://blog.paxfinancialgroup.com/blog/author/darryl-lyons) ## [PAX Financial Group’s 2021 Financial Checklist: Top 10 To-Dos](https://blog.paxfinancialgroup.com/blog/pax-financial-groups-2021-financial-checklist-top-10-to-dos) [Read More](https://blog.paxfinancialgroup.com/blog/pax-financial-groups-2021-financial-checklist-top-10-to-dos) [![man on laptop searching for fiduciary advisor](https://blog.paxfinancialgroup.com/hubfs/fiduciary%20San%20Antonio%20PAX%20Financial%20Group%20TX.jpg)](https://blog.paxfinancialgroup.com/blog/whats-a-fiduciary-and-why-do-you-need-one-in-2021) [Financial Planning](https://blog.paxfinancialgroup.com/blog/tag/financial-planning) [financial advisor San Antonio](https://blog.paxfinancialgroup.com/blog/tag/financial-advisor-san-antonio) Dec 16th, 2020 by: [Darryl Lyons](https://blog.paxfinancialgroup.com/blog/author/darryl-lyons) ## [What’s a Fiduciary and Why Do You Need One in 2021?](https://blog.paxfinancialgroup.com/blog/whats-a-fiduciary-and-why-do-you-need-one-in-2021) [Read More](https://blog.paxfinancialgroup.com/blog/whats-a-fiduciary-and-why-do-you-need-one-in-2021) [All posts](https://blog.paxfinancialgroup.com/blog/all) [Next](https://blog.paxfinancialgroup.com/blog/tag/financial-planning/page/2) ### GET THE PAX LATEST POSTS Keep updated on how the latest financial trends impact you. ### READY TO PIVOT TO YOUR BEST FUTURE? 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[Talk With Us](https://info.paxfinancialgroup.com/talk-with-pax-financial-group-for-your-free-financial-planning-consultation) #### POPULAR POSTS [![will estate PAX Financial ](https://blog.paxfinancialgroup.com/hubfs/will%20estate%20PAX%20Financial%20.jpg)](https://blog.paxfinancialgroup.com/blog/updating-your-will-2-things-you-need-to-talk-about-with-your-financial-planner-san-antonio) # [Updating Your Will – 2 Things You Need to Talk About with Your Financial Planner San Antonio](https://blog.paxfinancialgroup.com/blog/updating-your-will-2-things-you-need-to-talk-about-with-your-financial-planner-san-antonio) by [Darryl Lyons](https://blog.paxfinancialgroup.com/blog/author/darryl-lyons) June 18, 2018 [![investment risk assessment PAX Financial Group](https://blog.paxfinancialgroup.com/hubfs/investment%20risk%20assessment%20PAX%20Financial%20Group.jpg)](https://blog.paxfinancialgroup.com/blog/two-things-all-investors-should-do-rethink-market-crash-and-take-an-investment-risk-assessment) # [Two Things All Investors Should Do: Rethink ‘Market Crash’ and Take an Investment Risk Assessment](https://blog.paxfinancialgroup.com/blog/two-things-all-investors-should-do-rethink-market-crash-and-take-an-investment-risk-assessment) by [Darryl Lyons](https://blog.paxfinancialgroup.com/blog/author/darryl-lyons) August 27, 2018 [![Faith Based Investing written on notebook](https://blog.paxfinancialgroup.com/hubfs/faith%20based%20investing%20financial%20planning%20San%20Antonio%20PAX.jpg)](https://blog.paxfinancialgroup.com/blog/a-guide-to-faith-based-investing-3-steps-to-getting-started) # [A Guide to Faith-Based Investing: 3 Steps to Getting Started](https://blog.paxfinancialgroup.com/blog/a-guide-to-faith-based-investing-3-steps-to-getting-started) by [Darryl Lyons](https://blog.paxfinancialgroup.com/blog/author/darryl-lyons) November 2, 2020 [![planned financial services sandwich generation PAX Financial Group](https://blog.paxfinancialgroup.com/hubfs/planned%20financial%20services%20sandwich%20generation%20PAX%20Financial%20Group.jpg)](https://blog.paxfinancialgroup.com/blog/planned-financial-services-for-the-sandwich-generation) # [Planned Financial Services for the Sandwich Generation](https://blog.paxfinancialgroup.com/blog/planned-financial-services-for-the-sandwich-generation) by [Darryl Lyons](https://blog.paxfinancialgroup.com/blog/author/darryl-lyons) April 17, 2018 [![retirement planning buckets outlive your income PAX Financial](https://blog.paxfinancialgroup.com/hubfs/retirement%20planning%20buckets%20outlive%20your%20income%20PAX%20Financial.jpg)](https://blog.paxfinancialgroup.com/blog/5-steps-to-help-ensure-you-wont-outlive-your-income) # [5 Steps to Help Ensure You Won’t Outlive Your Income](https://blog.paxfinancialgroup.com/blog/5-steps-to-help-ensure-you-wont-outlive-your-income) by [Darryl Lyons](https://blog.paxfinancialgroup.com/blog/author/darryl-lyons) July 23, 2018 Created with Sketch. ### LEARN MORE - [About PAX Financial](https://paxfinancialgroup.com/about-pax/our-story/) - [Who We Serve](https://paxfinancialgroup.com/who-we-serve/) - [What We Do](https://paxfinancialgroup.com/what-we-do/) - [Keeping Your Money Protected](https://paxfinancialgroup.com/are-we-right-for-you/keeping-your-money-protected/) - [Are We Right For You?](https://paxfinancialgroup.com/are-we-right-for-you/) - [Resources](https://paxfinancialgroup.com/resources/) - [Get Started](https://paxfinancialgroup.com/connect-with-pax-financial-group/) - [Payments](https://secure.bluepay.com/interfaces/shpf?SHPF_FORM_ID=mobileform01D&SHPF_ACCOUNT_ID=100724655456&SHPF_TPS_DEF=SHPF%5FFORM%5FID%20SHPF%5FACCOUNT%5FID%20DBA%20TAMPER%5FPROOF%5FSEAL%20AMEX%5FIMAGE%20DISCOVER%5FIMAGE%20TPS%5FDEF%20TPS%5FHASH%5FTYPE%20SHPF%5FTPS%5FDEF%20CUSTOM%5FHTML%20SHPF%5FTPS%5FHASH%5FTYPE%20REBILLING%20REB%5FCYCLES%20REB%5FAMOUNT%20REB%5FEXPR%20REB%5FFIRST%5FDATE&SHPF_TPS_HASH_TYPE=HMAC%5FSHA512&SHPF_TPS=d5080ea6f79b50c4e49eb8b732c06ed9a9ceccf482e9d2858b38e10409c48cae2113c955723aabea8ea9306624acc3ec85af973afa52af67b280c4efc6f41d93&MODE=LIVE&TRANSACTION_TYPE=SALE&DBA=PAX%20Financial%20Group&AMOUNT=&TAMPER_PROOF_SEAL=acec80a3aacdad7f9ea894fb26f1e93884dc837d9bd8259ef407546e220a9b603da4b9b9f252d12b88e0bd66f8e8be12c05eb44f843b901406e4a51e3da13026&CUSTOM_ID=&CUSTOM_ID2=&REBILLING=0&REB_CYCLES=&REB_AMOUNT=&REB_EXPR=&REB_FIRST_DATE=&AMEX_IMAGE=amex%2Egif&DISCOVER_IMAGE=discvr%2Egif&REDIRECT_URL=https%3A%2F%2Fsecure%2Ebluepay%2Ecom%2Finterfaces%2Fshpf%3FSHPF%5FFORM%5FID%3Dmobileresult01%26SHPF%5FACCOUNT%5FID%3D100724655456%26SHPF%5FTPS%5FDEF%3DSHPF%255FACCOUNT%255FID%2520SHPF%255FFORM%255FID%2520RETURN%255FURL%2520DBA%2520AMEX%255FIMAGE%2520DISCOVER%255FIMAGE%2520SHPF%255FTPS%255FDEF%2520SHPF%255FTPS%255FHASH%255FTYPE%26SHPF%5FTPS%5FHASH%5FTYPE%3DHMAC%255FSHA512%26SHPF%5FTPS%3Dd488c2e90342636299786ebcd52a22e4b8c1d94e333a03fd781cde6ce343e2005d461985931f1c208376fe866b45b6e651d1f1e747766d3ade198a4513fababb%26RETURN%5FURL%3D%26DBA%3DPAX%2520Financial%2520Group%26AMEX%5FIMAGE%3Damex%252Egif%26DISCOVER%5FIMAGE%3Ddiscvr%252Egif&TPS_DEF=MERCHANT%20APPROVED%5FURL%20DECLINED%5FURL%20MISSING%5FURL%20MODE%20TRANSACTION%5FTYPE%20TPS%5FDEF%20TPS%5FHASH%5FTYPE%20REBILLING%20REB%5FCYCLES%20REB%5FAMOUNT%20REB%5FEXPR%20REB%5FFIRST%5FDATE&TPS_HASH_TYPE=HMAC%5FSHA512&CUSTOM_HTML=&CARD_TYPES=vi%2Dmc%2Ddi%2Dam) - [Careers](http://paxfg.hrmdirect.com/employment/careers.php) - [Contact Us](https://paxfinancialgroup.com/connect-with-pax-financial-group/) ### ABOUT PAX With over 100 years of combined experience, San Antonio, Texas-based PAX Financial Group is passionate about helping you live the life of your dreams. We’re more than just financial advisors, we’re life advisors! Locally owned and independent, our advisors are deeply committed to helping you achieve your vision of financial success. We offer holistic financial assessments, investment management and insurance all in one place, with simple, all-inclusive pricing. [Talk to us](https://info.paxfinancialgroup.com/contact-us-pax-financial-group) ### CONTACT INFO ##### SAN ANTONIO OFFICE: **Address:** 270 N Loop 1604 E, Ste. 200 San Antonio, TX 78232 **Phone:** (210) 881-5700 **Fax:** (210) 881-5698 ##### ASHEVILLE NC REMOTE LOCATION **Phone:** (828) 333-5112 **Fax:** (210) 881-5698 - [twitter](https://twitter.com/paxfinancialgrp) - [facebook](https://www.facebook.com/paxfinancialgroup) - [linkedin](https://www.linkedin.com/company/27090846/) - Investment Advisory Services are offered through PAX Financial Group - [Website Disclosures](https://paxfinancialgroup.com/website-disclosures/) - [Privacy Policy](https://paxfinancialgroup.com/privacy-policy/) This site is published for residents of the United States only.  Investment Advisor Representatives may only conduct business with residents of the states and jurisdictions in which they are properly registered or qualifies for an exemption or exclusion from registration requirements. Therefore, a response to a request for information may be delayed until appropriate registration is obtained or exemption from registration is determined.  Not all of the services referenced on this site are available in every state and through every advisor listed.  For additional information, please contact PAX Financial Group at 210-881-5700.