Denisa Tova has more than 15 years of experience in the financial and investment advisory industry. Denisa is a Certified Financial Planner™ practitioner and a Certified Divorce Financial Analyst, and mediator. She also holds the Chartered Financial Consultant (ChFC) and Chartered Life Underwriter (CLU) designations, which support her strong background in the financial and tax planning areas.
She is a founder and a CEO of DaVinci Financial Planning, Inc., a fee-only, full service financial planning and investment management firm.
Business owners and homeowners generally have to settle for less if they want to sell their business or a home in a timely fashion. That’s why it’s a good idea to put your earnings to work by setting ...
If your friend or relative doesn’t pay you back, you could potentially receive a tax deduction and write it off as a non-business bad debt. However, you must document the loan properly by showing the ...
With the low rates available, it is very tempting to refinance your mortgage over and over again. You really should think about how many times you want to refinance your mortgage!
Credit repair agencies do not have any special power to "erase" negative information from your credit report. The commercials make a lot of promises, but the reality may only leave you with an empty ...
There are some items that will stay on your credit report for more than seven years. Bankruptcy and unpaid tax liens both remain on your credit report for more than seven years. Bankruptcy remains for...
An estimated 100 million frequent-flyer program members hold at least 3.5 trillion unused miles. The problem is that people with significant miles often lose track of these great benefits.
Renting your home out for extra income may seem the magical solution for all your money woes, but there are pitfalls to be aware of, too!
As your parents begin to age, you may begin to see their bills piling up in the mailbox or on the kitchen table. If you start to notice that they are not opening and paying their bills, don't be afra...
If you are getting closer to retirement age, you are probably wondering about your Social Security benefits and the best time to start collecting them.
You may have heard about socially responsible investments and wondered if you should include these investments in your own portfolio. What should you do?
If you are taking care of an elderly parent or loved one in your home, there are certain IRS tax regulations and guidelines that you should know about.
With gold prices at an all-time high, you may be tempted to make an investment in gold. Is this a good idea for you right now?
If you find your self owing thousands of dollars for your student loans, you are not alone. There are repayment plans and other programs that can help you with your loan repayment.
If you are confused about tax laws and money in general, you may want to hire a professional to advise you and assist you.
Tough times can make couples more financially dependent on each other, which could keep unhappy couples together. The economic stress adds fuel to an already emotionally difficult situation such as di...