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Simple Ways to Build Financial Literacy and Confidence in Children
If you’ve ever had a conversation with a child about money, you know that financial literacy doesn’t start with complex strategies or spreadsheets. It begins much earlier, shaped by everyday habits, conversations, and examples...
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Retiring Soon? Why and How to Include Family in Planning Conversations
Many people spend years preparing financially for retirement, yet postpone conversations with family about what those plans will actually mean. When discussions are delayed, they often happen during moments of stress, such as after a...
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FAFSA Opens October 1: What Families Need to Know
The Free Application for Federal Student Aid (FAFSA) for the 2027–28 school year is scheduled to open on October 1. Students who submitted during the recent beta window do not need to resubmit when the form officially opens.1 Key...
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April Is Financial Literacy Month
April marks the start of Financial Literacy Month, a nationally recognized movement to promote and support financial understanding in children and teens. For many, it's a fantastic opportunity to teach and connect with their children...
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Watch the Q2 Outlook Video: Staying on Course Amid Geopolitical Uncertainty
Watch the Cetera Investment Management Team's video of their 2026 Q2 Outlook. Despite elevated geopolitical uncertainty, the economic and market backdrop entering 2026 remains largely on track. U.S. growth could surprise to the upside,...
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National Social Security Month
As we welcome April, the Social Security Administration is marking National Social Security Month. This annual public awareness campaign is a wonderful opportunity to learn about how Social Security works and how to get more info about...
Read MoreBeyond Taxes: Financial Strategy
What can we plan together?Aside from your tax strategy, do you have a financial strategy in place? A holistic strategy is your roadmap to your financial future—helping you define where you are today financially, where you want to go...
Read MoreCommentary | 3.3.26 | Why Volatility Is Rising and Why Discipline Still Matters
Geopolitical headlines are back in the driver’s seat, and markets are repricing uncertainty quickly. In the Cetera Investment Management Team's latest commentary, they unpack what’s behind the recent market reaction, why volatility may...
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2026 Forecasts for the S&P 500
When you see the word “forecast,” it should be closely followed by, “Forecasts are based on assumptions and are subject to revisions over time. Financial, economic, political, and regulatory issues may cause the actual results to...
Read MoreWhat You Need to Know About 529 Rollovers Into Roth IRAs
I wanted to bring to your attention recent important changes to 529 plans that may impact your college savings strategy. Leftover funds in 529s can now be moved to Roth IRAs. However, there are many requirements and restrictions to...
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Build Smart and Sustainable Money Habits Today
Many people believe that higher income automatically leads to wealth, but without strong habits, spending often grows just as fast. Building wealth is less about big wins and more about consistent choices that compound over time.Here...
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Six Smart Habits for a Confident Retirement
Retirement isn’t the finish line for planning—it’s the start of a new phase called the distribution stage. This stage focuses on preserving savings, creating reliable income, and preparing for the unexpected. With the right habits, you...
Read MoreNew Retirement Contribution Limits for 2026
The Internal Revenue Service recently released new limits for 2026. Although these adjustments won’t bring any major changes, there are some minor elements to note.Individual Retirement Accounts (IRAs)IRA contribution limits are up...
Read MorePlanning for The New Year
The start of a new year often feels like a clean slate - a chance to set priorities, revisit goals, and make sure everything is moving in the right direction. Whether you’ve already mapped out your plans or you’re still thinking about...
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A Quick Reminder for Tax Season Prep
With tax season on the horizon, a little preparation now can make the process much smoother later. This time of year often brings plenty of paperwork and deadlines, so consider this a friendly nudge to start gathering what you’ll need...
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FAFSA Opens October 1: What Families Need to Know
The Free Application for Federal Student Aid (FAFSA) for the 2026–27 school year is scheduled to open on October 1. Students who submitted during the recent beta window do not need to resubmit when the form officially opens.1 Key...
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Shutdown Update: What About Economic Stats?
When the government shuts down, so do several agencies that put out the economic reports the Fed looks at when setting interest rates. In fact, the delayed September Consumer Price Index report, which was released on October 24, was...
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Year-End Financial Strategies
As we approach the end of the year, it’s an opportune time to review and optimize your financial and tax strategies. Here are some key considerations: 1. Tax-Advantaged Accounts: Contribute fully to retirement accounts, including any...
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FAFSA Opens October 1: What Families Need to Know
The Free Application for Federal Student Aid (FAFSA) for the 2026–27 school year is scheduled to open on October 1. Students who submitted during the recent beta window do not need to resubmit when the form officially opens.1 Key...
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2026 Federal Tax Updates Announced
When the One Big Beautiful Bill (OBBB) Act was passed on July 4, the legislation left several unanswered questions that the IRS is now addressing. The IRS undergoes this process every year, but this time around, the OBBB has added to...
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Medicare Open Enrollment Has Begun
Medicare's Annual Open Enrollment Period is here. From October 15 through December 7, 2025, you can review and change your Medicare coverage for the upcoming year. Any changes you make will take effect January 1, 2026. After December...
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Government Shutdown Update
Stop me if you’ve heard this one before—past performance is no guarantee of future results. It’s one of the truisms of personal finance. What happened before is interesting to check out, but it doesn’t mean it will happen again....
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What Happens When the Fed Adjusts Rates?
Hardly a day goes by that someone doesn’t say to me, “I’m putting off a decision until the Fed changes interest rates.” But I’m quick to remind people that the “rate dominoes” don’t always fall as you may expect. Here’s what could...
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Breaking Down the One Big Beautiful Bill Act: What You Need to Know
You've likely heard about the "One Big Beautiful Bill Act," which was signed into law on July 4, making many of the 2017 Tax Cuts and Jobs Act provisions permanent. Given the bill's length (887 pages) and complexity, we wanted to help...
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It's FAFSA Time
It’s FAFSA time! As your student prepares for college, they can now fill out a Free Application for Federal Student Aid, or FAFSA, for the upcoming school year. Even if your student won’t require help from the government, filling out...
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Why Insurance Matters for Your Financial Future
Insurance is a powerful and often underappreciated tool in financial planning. It functions both as a safeguard and a strategic pillar for protecting your income, assets, and legacy goals. With a better understanding of what insurance...
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Safeguard Your Retirement Against Rising Costs
Retirement should be a time of stability, enjoyment, and freedom—but rising costs can potentially put a strain on even the most carefully planned budget. With thoughtful planning and tailored strategies, you can reduce inflation risk...
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Ensure Your Retirement Plan Covers Unexpected Costs
Even the most well-planned retirement can be disrupted by unforeseen expenses. Many retirees underestimate how unpredictable certain costs can be—and how easily they can derail an otherwise sound financial strategy. Here are five...
Read MoreIs Social Security Going to Run Out in Your Lifetime?
We get regular updates on the Social Security trust fund. The Social Security Board of Trustees announced that the trust funds had revenue to pay full benefits until 2035. Generally speaking, the headline’s tone is very grim and...
Read MoreDoes your family know what to do in case of emergency?
While many life events provide us with adequate time to prepare, such as marriage, the birth of a child, or retirement, others—like accidents, injuries, or the death of a loved one—can happen without notice or a chance to prepare...
Read MoreWhy a Roth IRA May Be Particularly Beneficial
Many are aware that tax-free earnings growth and the ability to pass assets to beneficiaries on a tax-free basis make Roth IRAs a popular retirement savings strategy. But did you know Roth IRAs can be particularly beneficial to women...
Read MoreLiving Longer Means More Income Needs
On average, women in the U.S. live longer than their male counterparts, making outliving their income in retirement a very real possibility for many. According to a 2019 study from T. Rowe Price measuring gender and retirement: 43% of...
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Let Freedom Ring
As we celebrate America and a monumental day in history, let’s take a step back to reflect on the true meaning of the Fourth of July–America’s independence. Fourth of July is a day to celebrate our country, freedom, and liberty. Enjoy...
Read MoreHaving Financial Conversations with Adult Children
A recent survey reported that 47% of parents had made financial sacrifices to support their adult children. It's often a difficult decision that can stress relationships, impact retirement strategies, and harm overall financial...
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Celebrating 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...
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A Trusted Connection Can Make All the Difference
Trust is the foundation of everything we do. It’s what allows us to work closely with you and support your financial journey with care and expertise. One of the greatest compliments we receive is when clients refer friends, family, or...
Read MoreIs Social Security Going to Run Out in Your Lifetime?
We get regular updates on the Social Security trust fund. The Social Security Board of Trustees announced that the trust funds had revenue to pay full benefits until 2035. Generally speaking, the headline’s tone is very grim and...
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Happy Pride Month!
Pride Month is here! All month long, people across the country are planning parades, events, and other community gatherings to celebrate the LGBTQ+ community. For this entire month, we honor our collective rights to live freely, love...
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Honoring and Remembering the Brave
On this Memorial Day, we honor and remember the brave individuals who served our country with courage and dedication. Wishing everyone a peaceful and reflective day.
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Do You Have Your Facts Straight When It Comes to Social Security?
When it comes to Social Security, many people have more questions than answers. By separating facts from fiction, you can make more informed decisions about your retirement planning. Myth 1: Social Security Won't Exist When I Retire...
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Take These Small Steps to Grow Your Wealth Over Time
Building wealth in today’s economy may feel challenging due to rising costs amid inflation. However, with intentional planning and consistent effort, you could still make meaningful progress toward your financial goals. The Role of...
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Is It Time to Rethink Your Investment Strategy?
Today’s financial landscape is rich with opportunities, but many still believe in following a ‘cookie-cutter’ approach to investing and building wealth. In truth, investing should be a personalized process, shaped by your goals,...
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Think You’re Behind on Retirement Savings? Here’s What You Can Do
Realizing you have less saved for retirement than you need or hoped for can trigger concern about the future. The good news is, there’s always time to take strategic steps forward. 4 Tips for Setting Retirement Savings Goals Evaluate...
Read MoreBeyond Taxes: Financial Strategy
What can we plan together? Aside from your tax strategy, do you have a financial strategy in place? A holistic strategy is your roadmap to your financial future—helping you define where you are today financially, where you want to go...
Read MoreBeyond Taxes: 401(k) Rollovers
What can we plan together? Thinking of changing jobs or already making the transition? Even under the best circumstances, making a career move requires a series of tough decisions, including what to do with the money in your...
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April Is Financial Literacy Month
April marks the start of Financial Literacy Month, a nationally recognized movement to promote and support financial understanding in children and teens. For many, it's a fantastic opportunity to teach and connect with their children...
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Market Uncertainty and Investor Behavior
Are the ups and downs of the stock market leaving you unsettled? Feeling hopeful when the market rises and uneasy when it dips is natural. However, these emotions can sometimes lead to hasty buying or selling, and attempting to...
Read MoreBeyond Taxes: Investments & Retirement Planning
What can we plan together? It would be a lot easier if investing for retirement could simply be “set and forget,” but in reality, your investment strategy should shift over time and with changing life circumstances. Otherwise, you...
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5 Tax Strategies That Could Help You Keep More of Your Wealth
As you grow and manage your assets, you might start looking for ways to maximize returns while minimizing the taxes you owe. Tax-efficient investment strategies may help you keep more of your money and stay on track for the future...
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Tariffs, DeepSeek: What Else is Coming in 2025?
Like you, I’ve read a few unsettling headlines in recent weeks–which has led to some moving and shaking on Wall Street. First, we read that “Chinese Start-Up DeepSeek Threatens American Artificial Intelligence Dominance.” That led to...
Read MoreSocial Security Announces Expedited Retroactive Payments and Higher Monthly Benefits for Millions
Press Release Tuesday, February 25, 2025 For Immediate Release Mark Hinkle, Press Officer press.office@ssa.gov Social Security Announces Expedited Retroactive Payments and Higher Monthly Benefits for MillionsActions Support the Social...
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Super Catch-Ups for 2025
Are you in your early sixties and hoping to make a splash in your retirement strategy? The SECURE Act 2.0 introduced a $11,250 catch-up contribution for those aged 60-63. This “super catch-up” is part of a new tiered catch-up...
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Looking to Reduce Taxes? Explore These Tax-Savvy Investment Strategies
As you grow and manage your wealth, consider these five tax-efficient investment strategies that could help optimize returns and minimize your tax burden. 1. Strategic Account Selection Strategically placing your assets in different...
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Tax-Focused Cash Flow Management: How to Align Your Money and Goals While Minimizing Taxes
Financial stability often hinges on consistent, strategic decisions. By understanding your cash flow and approaching it with a tax-intelligent mindset, you can help maximize your money’s potential and move closer to long-term goals....
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Social Security Says 2.5% COLA in 2025
Social Security beneficiaries will see a 2.5% increase in their benefit payments in 2025, according to the Social Security Administration. The annual cost of living (COLA) adjustment will affect more than 72.5 million Social Security...
Read MoreAre you Social Security savvy?
How much do you know about Social Security? Given how layered the topic can be, it’s wise to educate yourself as much as you can about your options. We have a number of resources on our website that can help you take a bite out of the...
Read MoreThe Importance of Good Credit
Did you know that it wasn’t so long ago that women faced challenges in obtaining credit? In the 1960s and 1970s, legislation provided women with equal access to credit opportunities, paving the way for their independence and...
Read More10 Budget Tips Every Young Investor Should Know
Budgeting is a powerful first step on the path to building wealth as a young investor. By establishing mindful financial habits now, you can build a solid foundation to support your long-term financial goals. Here are ten budgeting...
Read MoreBeyond Taxes: Investments & Retirement Planning
What can we plan together? It would be a lot easier if investing for retirement could simply be “set and forget,” but in reality, your investment strategy should shift over time and with changing life circumstances. Otherwise, you...
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Happy New Year!
May this year bring you happy beginnings and prosperity!
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Happy Holidays!
Wishing you and your loved ones a magical and joyous holiday season!
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Happy Hanukkah
May the miracle of the season be with you and yours. Wishing you and your family a happy Hanukkah.
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How You Can Give Back in Retirement
As you enter retirement, you may find yourself with more time on your hands and a desire to make a meaningful impact. However, your changing financial situation might affect your ability to give monetarily at the same level you once...
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Happy Thanksgiving!
Warm wishes to you and your loved ones. Have a wonderful time celebrating the season. Happy Thanksgiving!
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Understanding Qualified Charitable Distributions (QCDs)
As you build your legacy, considering how to leverage your charitable contributions can be a fulfilling endeavor. Qualified Charitable Distributions (QCDs) can offer an opportunity to support your favorite causes and manage your...
Read MoreYou can now text the office!
Exciting news: we have a new phone number allowing us to communicate with clients via text message! We added this number to improve the level of service we offer, and to make it easier for you to get in touch. If you’d like the option...
Read MoreThe Power of Compounding
Did you know that money saved today is more valuable than money saved tomorrow? That’s due to the amazing power of compounding. To determine how quickly your savings may double, simply divide 72 by your current annual rate of return...
Read MoreBeing Financially Independent
For many women like you, being financially secure is an important goal, whether you’re married, single, working, or staying home with children. This financial independence can give you a certain level of empowerment and confidence...
Read MoreBeyond Taxes: Investments & Retirement Planning
What can we plan together? It would be a lot easier if investing for retirement could simply be “set and forget,” but in reality, your investment strategy should shift over time and with changing life circumstances. Otherwise, you...
Read MoreWe Value Your Trust and Support
Can you believe summer is already in our rearview mirror? Whether you’re team apple cider or team pumpkin spice, here’s hoping that you take advantage of the cooling temperatures and upcoming festivities. From hayrides and pumpkin...
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Social Security 2025 COLA: Projected 2.5% Increase
More than 71 million Social Security beneficiaries can expect a 2.5% cost of living adjustment (COLA) increase in 2025, based on the Q3 inflation data so far. In other words, the COLA will raise the average benefit by $48 to $1,968 a...
Read MoreThe Fed’s Bold 0.50% Rate Cut
Wall Street knew a change was coming, but the Fed Chair hid the details until the end. At its September meeting, the Fed cut short-term interest rates by 0.50%, which unsettled some who thought Fed officials would be more cautious...
Read MoreThe Importance of Good Credit
Did you know that it wasn’t so long ago that women faced challenges in obtaining credit? In the 1960s and 1970s, legislation provided women with equal access to credit opportunities, paving the way for their independence and...
Read MoreBeing Financially Independent
For many women like you, being financially secure is an important goal, whether you’re married, single, working, or staying home with children. This financial independence can give you a certain level of empowerment and confidence...
Read MoreHappy Labor Day to You!
For many, Labor Day is seen as the end of summer, but it’s an annual national tribute to the contributions that workers have made to the strength, success, and security of our country. Here are some interesting facts about this...
Read MoreSeptember Is National Life Insurance Awareness Month
It’s time for your life insurance checkup. September is National Life Insurance Awareness Month, so it’s a great time to review your coverage.1 If you don’t have any life insurance, you’re not alone. Life insurance is one of those...
Read MoreMaximizing Benefits Before Tax Cut Provisions Expire
Maximizing Benefits Before Tax Cut Provisions Expire The Tax Cuts and Jobs Act of 2017 (TCJA) made some of the most consequential tax law changes in decades. The most significant provision temporarily increased the unified lifetime...
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6 Smart Strategies to Boost Your Retirement Savings
The journey to and throughout retirement requires planning and strategy. Here are six powerful tax and investment strategies you can leverage to help you save and pursue your goals for retirement. 1. Consider a Roth IRA A Roth IRA is...
Read More401(k) Millionaires Are on the Rise
As we continue through 2024, I wanted to share some data that many may find positive. Fidelity Investments just announced that 440,000 retirement savers reached an incredible milestone in 2023: $1 million in their 401(k).1 That's...
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The Roth IRA’s Secret Tax Benefits That Everyone Should Know
1. Tax-Free Withdrawals Money that goes into a Roth IRA is after-tax dollars. Because you've already paid taxes on that money, once it is withdrawn, it comes out tax-free. There are some restrictions on those withdrawals if you want...
Read More3 key changes for Roth features
There is a buzz around "Rothification" - a term that has gained momentum within the realm of retirement plans. With the passage of SECURE Act 2.0 and recent IRS guidance, the shift towards Roth contributions in qualified retirement...
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Let’s See That “Retirement Smile!”
Although many people view retirement as one stage of life, it’s actually three! Each stage is reflective of your health and independence and can significantly impact your wallet. The spending pattern throughout retirement is U-shaped,...
Read MoreTake a break - you earned it!
It feels as if we just started our summer vacations, but no doubt, you’re already seeing “back to school” ads and dreaming of cooler temperatures. We’re here to remind you that it’s OK to sit back and enjoy the vacations and warmer...
Read More401(k) strategies for each generation
In the evolving landscape of the workforce, where four distinct generations coexist, addressing the diverse retirement planning needs of your employees can be a challenge. From Gen Z employees grappling with student loans and the...
Read MoreIs Social Security Going to Run Out in Your Lifetime?
We get regular updates on the Social Security trust fund. In early May, the Social Security Board of Trustees announced that the trust funds had revenue to pay full benefits until 2035. Generally speaking, the headline’s tone is very...
Read MoreFinancial Planning for Divorce
Financial Planning for Divorce When a marriage breaks down and one or both parties realize there is no other way but to file for divorce, it often results in one of the most trying of life events. Given how divorce involves everyone in...
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Help Preserve Your Legacy with These Simple Steps
Estate or legacy planning is a vital way to help you plan for your family’s future. It involves two steps: Making legally effective arrangements to preserve your wealth Employing effective strategies for transferring your wealth...
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Dimensional Completes Conversion For ETF, What You Need To Know
This letter is to provide you with additional information regarding updates to the investments in your non-qualified accounts invested in the Portfolio Advisory Services (PAS) program. Many of you have received communications directly...
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Avoid These 3 Money Mistakes After 50
If you're approaching retirement, you're probably already familiar with some common steps to help you save money, including contributing to your retirement savings plans and avoiding early withdrawals or overly conservative investing...
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How Are You Funding Your Future?
Why Should You Invest in a 401k? There are so many other things to think about besides saving for retirement. You, like so many people, may want to avoid worrying about it until you have the rest of your financials in order. ...
Read MoreScary Financial Statistics to Avoid
Scary movies might be fun to some, but there’s nothing fun about a dark financial future. If your fear of finances is holding you back and you’re worried about braving the unknown, review this list of financial...
Read MoreLife Insurance at an Early Age
Perhaps you’ve heard the maxim, “Preparation is the key to success.” But when it comes to life insurance, knowing when to prepare is almost more important than the preparation, itself. Sure, it can be difficult to...
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Take Control of Your Finances
Feel like your finances have more control over you than you have over them? Or like you're in a financial hole and just keep sinking? There are ways to take back control of your spending and regain control of your finances. Explore...
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The Fed’s Drive to 2% Inflation
Wall Street keeps asking, “When will the Fed start cutting interest rates?” But perhaps the better question is, “What is the Fed looking for before it would consider cutting interest rates?” As you may recall,...
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Your Quarterly Medicare Newsletter
Discover the key considerations in choosing Medicare coverage, including costs, coverage rules, doctor choices, and travel coverage, among others. Plus, learn how to protect yourself from the Medicare COVID Test Scam, which involves...
Read MoreConcerned You’ll Outlive Your Money?
Americans are living longer than ever and that, of course, means they need more and more retirement savings. According to the CDC, we’re living to age 78.6 on average.1 That’s a lot of candles on the cake. Using...
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Gain Control and Confidence Around Your Finances
Manage Your Money More Effectively Not having positive money management habits can have a severe impact not just on your current finances but also on your future finances. Creating and sticking to good habits can help you feel more in...
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Financial Watch | February 2024
7 New Things to Know Before Filing Your 2023 Tax Return Managing taxes on your income is critical for keeping as much money as possible working for you. Yet, keeping up with changing tax legislation, rules, and adjustments is no easy...
Read More2024 Market Outlook | The Fed: From Foe to Friend
Cetera Investment Management is pleased to release its annual Market Outlook for 2024 titled, "The Fed: From Foe to Friend." In this outlook, they discuss how investors could be faced with some market volatility in 2024 with election...
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Happy Holidays!
Wishing you and your loved ones a magical and joyous holiday season!
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Retire Wise | December 2023
Have You Completed Your Year-End Tax Planning Checklist? Year-end deadlines are fast approaching for many strategies that can help keep a lid on taxes. To help ensure you’re not paying more than your fair share, take a moment to...
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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. Tax planning is more...
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Avoid These 3 Money Mistakes After 50
If you're approaching retirement, you're probably already familiar with some common steps to help you save money, including contributing to your retirement savings plans and avoiding early withdrawals or overly conservative investing...
Read MoreNew Retirement Contribution Limits for 2024
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 MoreStaying Upbeat in a Down Market
Investors know that the stock market moves in cycles, but few are comfortable when the cycle takes stock prices lower. And since late August, the cycle has been decidedly lower. If you’re looking for reasons to worry, you...
Read MoreCheck Your Withholding This Fall
How much are you withholding per paycheck?Is the amount too little? (Or too much?) Find out the answer before the year ends. You may not want to discover next year that your withholding amount for this year was too small. The IRS...
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Considerations During Medicare’s Open Enrollment
How long has it been since you’ve reviewed your Medicare policy? With open enrollment fast approaching, there are a few questions you may want to ask yourself before you renew, add, drop, or switch coverage. Have you switched...
Read MoreSocial Security Announces 2024 COLA
The Social Security Administration has announced a 3.2% Cost of Living Adjustment (COLA) for 2024. This adjustment means the average Social Security retiree beneficiary will see their monthly check increase by about $57 to $1,849,...
Read MoreUnwrapping Halloween's Candy Economy
I hope this email finds you in high "spirits" as we approach the spookiest time of the year. As the days creep closer to Halloween, confectioners weave a sweet web in preparation for this enchanting holiday. Did you know that the...
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Will Middle East Tensions Push Rates Higher?
The Fed’s ongoing pledge of “higher interest rates for longer” has rattled financial markets and raised the cost of everything from mortgages to credit cards. Now adding to tensions are the recent events in the...
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How 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...
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Your Quarterly Medicare Newsletter
Are you already planning for the end of the year? Where did the time go? In this edition, we’ll be looking into navigating Medicare for the first time, particularly if you are under the age of 65. Don’t forget Medicare...
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Warren Buffett Says, "Don't Watch."
Have you ever heard the expression, "If you love sausages, never watch how they're made?" The same is true of stock prices. Warren Buffett once said, "I would tell [investors], don’t watch the market closely." In recent weeks,...
Read MoreIs your investment strategy up to date??
There are two primary risks you may face when you don’t invest: inflation risk, or loss of purchasing power, and longevity risk, which is when you outlive your money. In fact, the risk of not investing often outweighs the risk...
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Social 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 MoreDollars and Degrees: The Cost of Education
As we approach the back-to-school season, I wanted to discuss an important topic that might be on your mind: the cost of education. Whether you have children or grandchildren preparing for college or considering furthering your...
Read MoreThe Importance of Good Credit
Did you know that it wasn’t so long ago that women faced challenges in obtaining credit? In the 1960s and 1970s, legislation provided women with equal access to credit opportunities, paving the way for their independence and...
Read MoreWhy a Roth IRA May Be Particularly Beneficial
Many are aware that tax-free earnings growth and the ability to pass assets to beneficiaries on a tax-free basis make Roth IRAs a popular retirement savings strategy. But did you know Roth IRAs can be particularly beneficial to women...
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Talking 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...
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Easing Into a Retirement Lifestyle
How to Prepare for Retirement Living 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...
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Why the Drop in Inflation Was Such a Big Deal
Sometimes, a picture is worth 1,000 words. So I decided to include an image of the June Consumer Price Index (CPI) report to help put inflation in better perspective: Core CPI, which excludes volatile food and energy prices, rose just...
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Avoid 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...
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Find 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.1 This is why proper financial education, and an established estate plan are important....
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Happy Fourth of July!
Fourth of July is a day to celebrate our liberty, freedom and independence.Enjoy your time celebrating with loved ones. Wishing you a happy and safe Fourth of July!
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Your Quarterly Medicare Newsletter
Spring is about new beginnings, and that applies to Medicare as well. Whether you are a first-time recipient or looking to update your plan for the year, you can read about some of your coverage here.What screenings does Medicare...
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Fed Hits Pause Button on Rate Hikes
Jerome Powell skipped an interest rate hike at the Fed’s June meeting, but the market isn’t buying what the Fed Chair is selling about what’s next with short-term rates.Powell signaled that two more rate increases may...
Read MoreReduce Portfolio Risk with Nobel Prize-winning Research
Investing can be overwhelming, and there is no shortage of online content to add to the confusion. As your advisor, I can help reduce the noise by providing you to Portfolio Advisory Services, a program that employs highly diversified,...
Read MoreIs your investment strategy up to date??
There are two primary risks you may face when you don’t invest: inflation risk, or loss of purchasing power, and longevity risk, which is when you outlive your money. In fact, the risk of not investing often outweighs the risk of...
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Term 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...
Read MoreA Smaller Social Security Bump May Be On the Way
I wanted to take a moment to update you on the potential changes to Social Security benefits for 2024. As I'm sure you know, the Social Security Administration calculates annual cost-of-living adjustments (COLA) based on the Consumer...
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Your Quarterly Medicare Newsletter
Spring is about new beginnings, and that applies to Medicare as well. Whether you are a first-time recipient or looking to update your plan for the year, you can read about some of your coverage here.What screenings does Medicare...
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Should 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 than early...
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Take Control of Your Finances
Feel like your finances have more control over you than you have over them? Or like you're in a financial hole and just keep sinking? There are ways to take back control of your spending and regain control of your finances.Explore...
Read MoreThe best laid plans…
Even the most thought-out financial strategy may need to be adjusted for unexpected events, such as changes to your family life or career, or shifts in your family priorities. These are important opportunities for us to connect and...
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Market Timing Is Exhausting
Market timing must be exhausting. Always moving in and out of the markets based on economic analysis or business headlines must be so challenging.The accompanying chart shows that money held in money market mutual funds rose to $5.1...
Read MoreContribution Deadline Fast Approaching
Just a quick reminder that the last day to make 2022 contributions to certain retirement accounts is fast approaching. In most cases, the contribution deadline is the same as your tax return filing deadline. For instance, you can make...
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Has Your Student Filled Out the FAFSA?
As you’re getting your student ready for college, there’s probably a lot on your mind. However, there’s one deadline you cannot afford to miss.In some states, deadlines may be even sooner, so plan ahead if you can.To...
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Managing 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. In this email, we’ve prepared a few considerations for...
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4 Things to Love About Roth IRAs
Roth IRAs are a highly recommended retirement account for a reason. Originally introduced as the ‘IRA-Plus’, these accounts were designed to empower middle-class Americans to save for retirement. To this end, they come with...
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Is the Bear Market Over?
"Is the bear market over?"That's a question I've been asked a number of times in recent weeks. And my answer is the same, "Let's give it a little time."But people are quick to remind me that stocks are off to a good start in 2023,...
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Getting to Know Your 401(k)
Most people with any time in the workforce have a 401(k). It’s one of the most common benefits offered by employers today.Although 401(k)s are typically included in financial planning conversations, it’s important to...
Read MoreReasons to Review Your Social Security Statement
Did you know that determining whether your Social Security earnings record is correct falls squarely on your shoulders—not your current/previous employer(s) or the Social Security Administration? Accuracy is critical because your...
Read MoreMaking Smart Rollover Decisions
Rolling over the assets in your workplace retirement plan to an IRA can be a great move. IRAs typically offer more investment choices while allowing you to continue accumulating earnings on a tax-deferred basis.However, making a...
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Don’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 MoreSECURE Act 2.0: An Overview
In the final days of 2022, Congress passed a new set of retirement rules designed to make it easier to contribute to retirement plans and access those funds earmarked for retirement.The law is called SECURE 2.0, and it's a follow-up to...
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Inflation Is Trending Lower. Now What?
The December inflation report had some encouraging news. It showed that consumer prices trended lower for the month, but more importantly, it confirmed that overall prices have been trending lower for the past six months.Now the ball...
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Happy New Year!
After a complicated year, the next dawns with new opportunities. Now is the time to think about the new year and plan for action. The start of a year is the right time to work on a dream or two. It is also an excellent time to adjust...
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Happy Holidays!
May you never outgrow the magic of the season.Happy Holidays!
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Is a Will or Trust Right for you?
LEARN ABOUT THE DIFFERENCE BETWEEN WILLS AND TRUSTYou may not know the difference between a will and a trust. As you're estate planning, you should know your options and the proper tools to achieve your asset distribution goals. Wills...
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Preserving Your Independence in Retirement
As you near retirement, this could be a convenient time to consider moving into and living in an independent care facility. This housing option, or one like it, could allow you to preserve your independence while providing the...
Read MoreManaging Your Finances in Your 40s
Most people would argue that your 40s are one of the best times in your life. You’ve hit your stride—from your personal life to your career—and have learned how to juggle boardroom meetings and soccer practice. From a...
Read MoreManaging Your Finances in Your 60s
With retirement closing in, your 60s are all about making sure you have the right plan in place.Here are some great ideas to implement in your 60s.Make an estate plan. If you don't already have a will, put creating one at the top...
Read MoreManaging Your Finances in Your 50s
Turning 50 is a milestone for many reasons. You’re likely in your peak earning years and no longer have kids at home. You’re paying down debt, and your wealth is higher than it was a decade earlier.Changing circumstances...
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Using Diversification Long-Term
One of the most basic principles of pursuing the growth of long-term wealth is diversification. A diversified approach to building wealth helps to mitigate risk while capturing the benefits of rising markets. Why is it so important to...
Read MoreProtect Your Lifestyle with Long-Term Care
Long-term care planning may be more critical than retiring couples realize. Many people overlook it when planning for their retirement income and healthcare needs, but one of the major risks retiring couples face is the chance of a...
Read MoreThe Biggest Risk to Retirement Income
For current retirees and those nearing retirement, healthcare costs are expected to pose the single greatest risk to income in retirement. A recent study reports that a 65-year-old couple retiring in 2019 can expect to spend $285,000...
Read MoreImportant Details on Student Loan Relief
The White House recently forgave up to $10,000 to student loan borrowers as part of a larger debt forgiveness program. There are still quite a few questions to be answered, but here are some key points to know.Pell vs. non-Pell: Loan...
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Help 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....
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Take Control of Your Finances
Feel like your finances have more control over you than you have over them? Or like you're in a financial hole and just keep sinking? There are ways to take back control of your spending and regain control of your finances.Explore...
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1% Moves in S&P 500
If you’ve felt like stock prices were a little more volatile in 2022 than in recent years, your “spidey senses” are right on the money.The S&P 500 has posted 81 daily moves of at least 1% through August. Of those...
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Ready for Medicare Open Enrollment?
Medicare’s annual open enrollment period begins October 15 and ends December 7. During this time, current Medicare beneficiaries have the option to adjust their coverage for the coming year. Any changes to your plan will go into...
Read MoreImportant Details on Student Loan Relief
The White House recently forgave up to $10,000 to student loan borrowers as part of a larger debt forgiveness program. There are still quite a few questions to be answered, but here are some key points to know.Pell vs. non-Pell: Loan...
Read MoreWhat’s a Power of Attorney?
One of the more awkward estate planning topics—but also one of the most important—involves powers of attorney.At some point before our deaths, many of us will become physically and mentally unable to manage our own affairs....
Read MoreLooking at Flexible Long-Term Care Options
For many retirees, long-term care insurance can offer a helpful safety net for protecting retirement income in the event of a serious illness or incapacitation. Clients often have concerns when it comes time to plan, like not...
Read MoreFull Social Security Benefits at Age 66
At age 66, you qualify for full Social Security benefits—but not necessarily your maximum benefit. If haven’t already begun receiving Social Security benefits, it’s important to understand why it may be advantageous...
Read MoreWhat Medicare Covers—and What It Doesn’t
Turning 65 means you’re now eligible to receive Medicare benefits. But sorting through the Medicare alphabet can be challenging. How do you get started and what do you need to know before you enroll? The first step is to visit...
Read MoreLiving Longer Means More Income Needs
On average, women in the U.S. live longer than their male counterparts, making outliving their income in retirement a very real possibility for many.According to a 2019 study from T. Rowe Price measuring gender and retirement:43% of...
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Prepare for Your Retirement
How to Estimate Retirement ExpensesRetirement can be a time of rest and relaxation, but for some people it can be a time of financial stress. It's important to start estimating retirement expenses early, so you can enjoy your...
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The Importance of Diversification
Diversify Your Financial PortfoliosYou’ve likely heard the phrase: “Don’t Put All Your Eggs in One Basket.” But what does that phrase mean for your finances? When applying this phrase to your finances, the true...
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Know These 5 Key Things Before Retirement
Throughout your life, you’ve likely dreamt about what your retirement will look like. There are many possibilities about what you can do with your time, where you can live and what your income and finances will look like.As you...
Read MoreAre We Headed for a Recession?
Just two years removed from the last US recession, negative stock returns and aggressive US Federal Reserve interest rate hikes have many investors concerned we are headed for another big “R”—if we’re not...
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The Importance of Diversification
Diversify Your Financial PortfoliosYou’ve likely heard the phrase: “Don’t Put All Your Eggs in One Basket.” But what does that phrase mean for your finances? When applying this phrase to your finances, the true...
Read MoreCare for a COLA with Your Social Security?
As you might have heard, people are talking about a big bump in Social Security benefits next year.The Senior Citizens League says payments could rise by as much as 8.6 percent in 2023, compared to an increase of 5.9 percent in 2022....
Read MoreWhen bears are loud, consider this
Some gloomy headlines are coming out of Wall Street lately. Have you noticed?In recent days, I’ve read things like “Brace yourself for economic hurricanes” and “Wall Street investor survey paints a dire outlook...
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Will the GDP Report Suggest a Recession?
The advanced report on first-quarter Gross Domestic Product (GDP) will be out later this week. Perhaps no economic report this year will be more scrutinized. Those looking for economic clues that could signal a recession will...
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75 Things We Do for Our Clients
Every year, many of you ask us the same question: “What do we do?” So this year, we have compiled a list to answer your question.
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