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Use These Year End Tax Planning Tips
Everybody wants to save on their taxes. If you think tax-saving strategies are too complicated, you could be missing out on tax savings. There are a few simple tax-saving strategies available to nearly everyone...
Read MoreAre You Ready to Pay for Long-Term Care?
At some point in their lives, most people will need some long-term care whether that's at an assisted living community or at-home medical care. When preparing for this future, it can be hard to know where to start...
Read MoreHow Interest Rates Can Impact Your Mortgage Costs
Interest rates are the price tags for borrowing money. It's the extra amount you owe on top of the original loan. Dreaming of buying a home? Learn more about how changing interest rates can affect your mortgage payments...
Read MoreMaximize Your 2024 Healthcare Savings with Your HSA
A health savings account (HSA) is more than a way to pay for certain medical costs. It can be a tax-free vehicle for boosting your income for a financially rewarding retirement. Learn more about saving for medical expenses, and beyond...
Read MoreHow to Start Saving for College Now
According to the Education Data Initiative, the average annual cost of college per student, per year in the U.S., including books, supplies and living expenses is $36,436.1 The average cost of college has risen over 2% over the last decade.
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Find the Right Insurance Plan for you
Open enrollment is coming up soon, and it's important to know about all your insurance plan options before deciding which one is right for you. Two options you could have are an HSA and a PPO. When choosing between the two, you need to...
Read MoreSocial Security Survivor Benefits
Just as it’s important to prepare for what happens if you pass away, you should consider the Social Security benefits that may be available if you are the survivor — the spouse, child or parent — of a worker who dies...
Read MoreYou’re Invited: IN THE ROOM with Dr. Jeremy Siegel
You’re invited to an exclusive conversation with Jeremy Siegel, professor, writer, Senior Economist with WisdomTree, and renowned expert on the economy and financial markets. Siegel’s research on the superior value of...
Read MoreEasing Into a Retirement Lifestyle
Transitioning into retirement can be both exciting and challenging. After years of hard work, you finally have the opportunity to relax and enjoy what are often called your “golden years.” This major life change often requires careful...
Read MoreTalking About Finances with Your Partner
Conversations about money can be tense and uncomfortable, especially when it’s a conversation with your long-term partner or spouse. Money problems and miscommunications about finances can cause tension and lead to larger issues within a...
Read MoreWhat to Know Before Financing a Car
Buying a car can be an exciting experience. Deciding what type of car fits your needs the best, picking out the features you have to have – all crucial decisions to make. But have you thought about how you’re going to finance this new car?
Read MoreWhat to Consider When Thinking About Downsizing
Have you considered downsizing? Although it’s common for people to think that “bigger is better,” it can be worthwhile to consider the pros and cons of downsizing and whether a smaller home can serve you, your lifestyle and your goals...
Read MoreAvoid Common Missteps When Naming Beneficiaries
You already know that naming beneficiaries for your retirement accounts, life insurance policies and other assets is a critical component of estate planning. We want to call out a few common gaps we see in this process so you can avoid...
Read MoreFind New Ways to Build a Lasting Legacy
Did you know an estimated 70% of wealth passed down doesn’t make it past the second generation? Up to 90% disappears by the third generation. This is why proper financial education, and an established estate plan are important. Building...
Read MoreAre You Taking Advantage of All Your Employers’ Benefits?
If you just started a new job or are preparing for life changes, it’s important to check in on your employee benefits. But what do “employee benefits” include? There are three overarching types: insurance benefits, retirement benefits...
Read MoreWho Will Inherit Your Estate?
When preparing their estate plans, most people decide to leave their estate to one or a combination of three beneficiaries: their spouse, their children and/or charity. Understanding all the options available to you will help you...
Read MoreWhat a Life Insurance Policy Might Cover
Life insurance provides financial security in case of the death of the insured. If you have loved ones who depend on your income for support, you should strongly consider life insurance. Be sure you’re choosing a plan that works for you...
Read MoreTerm and Permanent Life Insurance Options
Choosing a life insurance plan that works for your circumstances can feel like choosing from a seemingly endless array of options. Two of the biggest life insurance categories are “term” and “permanent” life insurance. Which type works...
Read MoreUnderstanding Bull and Bear Markets
Fluctuations in the stock market are inevitable, as national and global circumstances are constantly changing. The only thing you can control is your reaction, and how informed you are about trends in the market...
Read MoreHow Much Do You Know About Gifting Stocks?
Gifting stocks can be a great idea. Whether you give one share, 100 shares, or even more, gifting a stock can help loved ones build their wealth. It can also be an ideal way to donate to the charity of your choice. It’s important to...
Read MoreCreating a Succession Plan for Your Company
If you own a business, you may have already considered who will take over the company once you retire. As you know, this may include tasks like identifying and training potential replacements for key roles in the organization, as well as...
Read MoreShould You Pay Your Mortgage Off Early?
We all know there are various tactics for building long-term wealth. Paying off your mortgage early may be an option for some. However, focusing on investing money or paying off other debts first could be more beneficial...
Read MoreFractional Shares, Simplified
Are the stocks you’re interested in buying more than you want to pay? Fractional shares allow individuals to purchase stocks using dollar amounts rather than number of shares. Fractional shares result from the following...
Read MoreUnderstanding Retirement Account Distribution
Planning your retirement income distribution requires a multi-step strategy and budget for all of your income and spending expectations in retirement. For the most accurate plan that best reflects your financial circumstances, start with...
Read MorePut Your Deferred Compensation Strategy Into Place
Do you know the difference between the two types of deferred compensation plans, and what to consider when making a deferred contribution? As you’re nearing retirement, it’s important that you use all the resources at your disposal...
Read MoreHow Much Are You REALLY Worth?
The first step to take when building wealth is determining your net worth. Net worth is the total of your assets minus your liabilities. In other words, the value of everything you own, minus what you owe creditors...
Read MoreDo You Know the Difference Between Retirement Plans?
At one time, retirement accounts were straightforward. These days, there are many retirement account options, leading to confusion and questions. Let’s review some key differences between sponsored and non-sponsored retirement accounts...
Read MoreManaging Your Finances in Your 70s and Beyond
The financial situation you were in thirty years ago is far different from the financial situation you’re in now. You likely have different concerns and priorities. Here are a few considerations for clients around their 70s and beyond...
Read MoreKnow Any Students? Here’s Some Essential Scholarship Information
Let’s explore some basic information about financial aid opportunities that will be important to consider with the increasing cost of higher education. Please feel free to share with anyone you know who may find the information useful...
Read More4 Things to Love About Roth IRAs
Roth IRAs are a highly recommended retirement account for a reason. These accounts were designed to empower middle-class Americans to save for retirement with a great incentive: tax-free withdrawal...
Read MoreRecognizing Suspicious Online Offers
As scammers continue to learn and evolve their tactics, so can you. Asking these questions can help you avoid becoming a victim...
Read MoreHappy International Women's Day
This March 8, I hope you’ll join us in celebrating the wonderful achievements accomplished by women all over the globe and continue to uplift the women in your own lives and community...
Read MoreNeed Some Extra Time to File Your Taxes?
It’s that time of year again and the April 15th deadline is right around the corner. As a reminder, you can file for a tax extension by submitting Form 4868 to the IRS. Here’s what you need to know about using this extension...
Read MoreStaying Informed About ESPP Tax Rules
Have you worked for a company offering stock at a discount? Or do you know anyone who does? These can be solid assets to hold in your portfolio, but they’re not without some degree of complexity. We’ll give you the short and simple version.
Read MoreUnderstanding Types of Retirement Accounts
Chances are your employer provides varying benefit plan incentives designed to help you save for retirement. All employer retirement plans fit into two main categories: qualified retirement plans and non-qualified retirement plans...
Read MoreGetting to Know Your 401(k)
Although 401(k)s are typically included in financial planning conversations, it’s important to understand the ins and outs of how a 401(k) plan works...
Read MoreHow Inflation Impacts Retirement Income
Inflation doesn’t mean the end of a comfortable retirement for those who’ve planned, because we’ve been planning with inflation in mind. Here’s why:
Read More5 Winter Activities that Won’t Break the Bank
Nice and cozy can turn to cabin fever in a hurry. We’ve been there and recommend these activities when it’s time to break up that winter monotony...
Read MoreTips for Setting Long-Term Financial Goals
It takes hard work, time, and dedication to pursue your ideal financial future. Setting goals can help you carefully consider what you want your financial future to look like and help you work towards that. Here are a few helpful tips...
Read MoreDon’t Fall for These 5 Common Money Misconceptions
We have all heard bad financial advice at some point in our lives. These misconceptions seem small but end up doing more harm than good. Here are a few of the most common misconceptions we’ve heard repeated by clients...
Read MoreWill the Midterm Elections Move Markets?
The midterm elections have come and gone, and although the results don’t appear as one-sided as many predicted, it seems one party will narrowly take control of the House, while the Senate may hinge on a Georgia runoff.It's...
Read MoreNew Retirement Contribution Limits for 2023
The Internal Revenue Service has released new limits for the coming year. After months of high inflation and financial uncertainty, some of these cost-of-living-based adjustments have reached near-record levels.Individual Retirement...
Read MoreHelp Protect Your Investments
If you have little experience with investing in stocks, bonds, or even real estate, it can be nerve-racking. You might feel like the slightest change in the stock market could have a negative impact on your investments and portfolio....
Read MoreFive Financial Tips for New Parents
As a new parent, you have so much to think about in addition to having experiences you haven’t had before. It can be very overwhelming. You may have considered the cost of having a child and the increase in your regular expenses...
Read MoreNational Assisted Living Week
September 11-17 is National Assisted Living Week® (NALW)!This time provides us a rare chance to recognize the role of assisted living communities in caring for our community's seniors and individuals with disabilities.And if you...
Read MoreThe Importance of Diversification
This article is a good reminder of a phrase we have all heard. Read on to discover more about diversification in your investment portfolio.
Read MoreCelebrating Juneteenth
Juneteenth is a celebration of freedom, marking the day when slavery came to an end in the United States. The observance of this holiday, formally recognized by the state of Texas in 1980, has continued to spread to the rest of the...
Read MoreA LOOK AT DIVERSIFICATION
Ancient Chinese merchants are said to have developed a unique way to manage their risk. They would divide their shipments among several different vessels. That way, if one ship were to sink or be attacked by pirates, the rest stood a...
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