Grace S. Yung

Grace S. Yung, CFP, is a certified financial planner practitioner with experience in helping domestic partners plan their finances since 1994. She is a principal at Midtown Financial LLC in Houston and was recognized as a “Five-Star Wealth Manager” in the September 2017 issue of Texas Monthly.

MoneySmart

Grace S. YungMay 5, 2026
0 178

Taking a New Look at Old Money Habits

Many financial habits stem from early “money memories,” shaping how people save or spend. Understanding these patterns can help build a more balanced, intentional approach to financial decision-making.
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MoneySmart

Grace S. YungApril 6, 2026
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Are You Actually on Track for Retirement?

Many retirement plans look solid at a glance, but gaps can emerge under scrutiny. Here are three practical ways to assess income, risks, and whether your plan truly holds up.
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MoneySmart

Grace S. YungMarch 5, 2026
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How to Use Your Tax Refund Wisely

A tax refund may feel like a windfall, but it’s really your own money coming back. Here’s how to decide whether to save, invest, or pay down debt.
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MoneySmart

Grace S. YungFebruary 5, 2026
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Tax Planning Strategies for High-Income Earners

As 2026 gets underway, high-income earners can still act on select 2025 tax strategies while planning ahead to reduce taxes, improve efficiency, and support long-term financial goals.
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MoneySmart

Grace S. YungJanuary 6, 2026
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2026 Retirement Contribution Limits Offer Key Saving Opportunities

The IRS has raised retirement plan contribution limits for 2026. Understanding these changes can help savers make strategic decisions and maximize tax-advantaged retirement growth this year.
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MoneySmart

Grace S. YungDecember 2, 2025
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Are 50-Year Mortgages a Good Idea?

Fifty-year mortgages have surfaced before during affordability crunches. Learn the potential benefits, major drawbacks, and what an ultra-long loan could mean for interest costs, equity, and retirement plans.
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MoneySmart

Grace S. YungNovember 7, 2025
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It’s Not Too Late to Save for Retirement

If you feel behind on retirement savings, you’re not alone. With small, consistent steps and smart strategies, it’s still possible to regain momentum and plan confidently for the future.
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MoneySmart

Grace S. YungOctober 3, 2025
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Stay a Step Ahead of Credit and Debit Card Fraud

Fraudsters are getting smarter, but you can stay ahead. With practical tips for safer credit and debit card use, you’ll protect your money and reduce fraud hassles.
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MoneySmart

Grace S. YungSeptember 2, 2025
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Investing on the Digital Frontier

A primer on cryptocurrency’s origins, risks, and regulation, plus how ETFs offer exposure without private keys—and why crypto’s volatility makes it different from traditional hedges like gold.
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MoneySmart

Grace S. YungAugust 1, 2025
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How the ‘One Big Beautiful Bill’ Could Affect Your Finances

The sweeping 'One Big Beautiful Bill' brings changes to taxes, retirement, healthcare, and estate planning. Here's what it means for retirees, investors, and homeowners.
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