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What’s on our mind? You can read about it in our blog. Whether it’s ideas from the industry or emerging trends, you can read about it here. And once in a while, we may throw in a movie review or some other surprise. So keep checking in. We’re glad to have you reading along.

Sunday, August 2, 2020

30-year Home Loans Fall to Historic Lows Investors and homebuyers take note. Lately, it can feel like each day brings a new headline about fluctuating market behavior. But amid the ups and downs of 2020, there may be some potential...

Sunday, July 26, 2020

Keep Your Life Insurance When You Retire Some good reasons to retain it. Do you need a life insurance policy in retirement? One school of thought says no. The kids are grown, and the need to financially insulate the household against...

Sunday, July 19, 2020

Making a Charitable Contribution There are benefits and limitations when you decide to donate stock. Why sell shares when you can gift them? If you have appreciated stocks in your portfolio, you might want to consider donating those...

Sunday, July 12, 2020

A Stock Market Lesson to Remember Confidence can quickly erode, but it can also quickly emerge. Undeniably, spring 2020 has tried the patience of investors. An 11-year bull market ended. Key economic indicators went haywire. Household...

Sunday, July 5, 2020

What Determines Car Insurance Rates? Driver history is just one factor; there are many others. Your auto insurance premium is based on more than your driving history. The amount you pay for auto insurance is determined by a complicated...

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Sunday, June 28, 2020

Before You Claim Social Security... A few things you may want to think about before filing for benefits. Whether you want to leave work at 62, 67, or 72, claiming the retirement benefits you are entitled to by federal law is no casual...

Sunday, June 21, 2020

Retirement Plan Options for Small Businesses The SECURE Act and CARES Act may complicate the decision. As a small-business owner, figuring out retirement choices can be a little intimidating. How do you pick the most appropriate...

Sunday, June 14, 2020

Who Is Your Trusted Contact? This vital investment account question should be answered sooner rather than later. Investment firms have a new client service requirement. They must now ask you if you would like to provide the name and...

Sunday, June 7, 2020

Eldercare Choices in the COVID-19 Era Exploring your extended care options may be wise at this time. Given the threat of COVID-19, seniors today may be considering their extended care alternatives with extra caution.1 In addition to...

Sunday, May 31, 2020

Details on the Tax Deadline Extension The I.R.S. is giving you three additional months to file and pay. The Internal Revenue Service knows that many taxpayers have had a stressful spring. So, it has reset the federal tax deadline. You...

Monday, May 25, 2020

The Pros and Cons of Early Retirement Plan Rollovers Should you withdraw and reinvest your retirement plan money while you are still on the job? Did you know you might be able to take some or all of the money in your 401(k), 403(b), or...

Sunday, May 17, 2020

May is Disability Insurance Month What it is...and why it's important. Did you know that May is Disability Insurance Awareness Month? First started in 2007, the month of May was the first time that information about disability...

Sunday, May 10, 2020

FAQs About the 2020 Stimulus Checks Answers to some frequently asked questions. The federal government is providing a little economic relief to many taxpayers. The Internal Revenue Service is sending millions of Economic Impact...

Sunday, May 3, 2020

The Solo 401(k) A retirement investment vehicle designed for small. Do you work for yourself? Then you may want to consider the solo 401(k), which marries a traditional employee retirement savings account to a small-business,...

Sunday, April 26, 2020

The Federal Reserve’s Unprecedented Moves What they are. How they help. In response to the COVID-19 pandemic, almost every state in America is under some sort of stay-at-home order. This unprecedented time has also led many...

Sunday, April 19, 2020

Roth IRA Conversion in the Era of COVID-19 Is it right for you? The COVID-19 pandemic has shaken up nearly every aspect of American life. To say it’s been a difficult time would be an understatement. However, difficult times may...

Sunday, April 12, 2020

Health Care Costs Are Cutting into Retirement Preparations This is happening in subtle and not-so-subtle ways. You may have seen this statistic before or one resembling it: the average 65-year-old retiring couple can now expect to pay...

Sunday, April 5, 2020

Key Provisions of the CARES Act Distributions can be waived in 2020 for Inherited Accounts, 401(k)s, and IRAs. Recently, the $2 trillion “Coronavirus Aid, Relief, and Economic Security” (“CARES”) Act was signed...

Sunday, March 29, 2020

Pullbacks, Corrections, and Bear Markets What’s the difference? What do these terms mean for you? The COVID-19 outbreak has put tremendous pressure on stock prices, prompting some investors to blindly and indiscriminately sell...

Sunday, March 8, 2020

Should You Care What the Financial Markets Do Each Day? Focusing on Your Strategy During Turbulent Times. Investors are people, and people are often impatient. No one likes to wait in line or wait longer than they have to for something...

Sunday, March 1, 2020

Coronavirus & More... The 24-Hour News Cycle moves from Impeachment to COVID-19 to the Primaries – What’s next? In recent weeks, we’ve seen several major stories in the news. On the political front, in addition to the...

Monday, February 24, 2020

Lesser Known Provisions of the SECURE Act What younger investors need to know. The SECURE Act passed into law in late 2019 and changed several aspects of retirement investing. These modifications included modifying the ability to...

Monday, February 17, 2020

Coping with an Inheritance A windfall from a loved one can be both rewarding and complicated. Inheriting wealth can be a burden and a blessing. Even if you have an inclination that a family member may remember you in their last will...

Sunday, February 9, 2020

Retirement Is a Beginning See if you are prepared to begin your retirement by answering four key questions. How do you know you are psychologically ready to retire? As a start, ask yourself four questions. One, is your work meaningful?...

Monday, February 3, 2020

Insurance Needs for Empty Nesters and Retirees Thinking about coverage as you enter a new phase. With the children now out of the house, financial priorities become more focused on preparing for retirement. At this stage, you may very...

Monday, January 27, 2020

The Cost of Procrastination Don't let procrastination keep you from pursuing your financial goals. Some of us share a common experience. You’re driving along when a police cruiser pulls up behind you with its lights flashing. You...

Sunday, January 19, 2020

2019 IRA Deadlines Are Approaching Here is what you need to know. Financially, many of us associate April with taxes – but we should also associate April with important IRA deadlines. April 1, 2020 is the deadline to take your...

Sunday, January 12, 2020

The SECURE Act Long-established retirement account rules change. The Setting Every Community Up for Retirement Enhancement (SECURE) Act is now law. With it, comes some of the biggest changes to retirement savings law in recent years....

Sunday, January 5, 2020

Reducing the Risk of Outliving Your Money What steps might help you sustain and grow your retirement savings? “What is your greatest retirement fear?” If you ask any group of retirees and pre-retirees this question,...

Sunday, December 15, 2019

A Retirement Fact Sheet Here are some noteworthy financial and lifestyle facts about life after 50 that might surprise you. Does your vision of retirement align with the facts? Up to 85% of a retiree’s Social Security income can...

Sunday, December 8, 2019

How Do You Establish Good Credit in College? After you get that first card, how can you manage your FICO score? Good credit may open doors. It is vital to securing a loan, a business loan, or buying a home. When you establish and...

Sunday, December 1, 2019

Debunking Common Retirement Assumptions Don’t fall for these misconceptions. Financial generalizations are as old as time. Some have been around for decades, while others have only recently joined their ranks. Let’s examine...

Sunday, November 17, 2019

What Do You Need to Know About The First RMD From Your IRA? What you need to know. When you reach age 70½, the Internal Revenue Service instructs you to start making withdrawals from your traditional IRA(s). These withdrawals...

Sunday, November 10, 2019

Spotting Credit Trouble How to check for problems. Americans aged 45 to 54, who have credit card balances, carry an average debt of $9,096 per individual.1 The wise use of credit is a critical skill in today’s world. Used...

Sunday, November 3, 2019

What End-of-the-Year Money Moves Should You Consider? Here are some things you might consider before saying goodbye to 2019. What has changed for you in 2019? Did you start a new job or leave a job behind? Did you retire? Did you start...

Sunday, October 27, 2019

Your Changing Definition of Risk in Retirement Some things to consider. During your accumulation years, you may have categorized your risk as “conservative,” “moderate,” or “aggressive,” and that...

Sunday, October 20, 2019

Annual Financial To-Do List Things you can do for your future as the year unfolds. What financial, business, or life priorities do you need to address for the coming year? Now is a good time to think about the investing, saving, or...

Sunday, October 13, 2019

Retirement Wellness Staying healthy could save you some money. How healthy a retirement do you think you will have? If you can stay active as a senior and curb or avoid certain habits, you could potentially reduce one type of...

Sunday, October 6, 2019

Cash Balance Plans More professional practices (and practice groups) should look into them. In corporate America, pension plans are fading away. Only 16% of Fortune 500 companies offered them to full-time employees in 2018, according...

Sunday, September 29, 2019

Will You Avoid These Estate Planning Mistakes? Too many households commit these common blunders. Many people plan their estates diligently, with input from legal, tax, and financial professionals. Others plan earnestly but make...

Sunday, September 22, 2019

Where Will Your Retirement Money Come From? Retirement income may come from a variety of sources. For many people, retirement income may come from a variety of sources. Here’s a quick review of the seven main sources: Social...

Monday, September 16, 2019

How Women Can Narrow the Retirement Saving Gap Steps toward saving more & revitalizing your retirement strategy. When it comes to retirement saving, many women lag behind many men. Historically, that has been the case. A recent study...

Tuesday, September 10, 2019

Why Having a Financial Professional Matters A good professional provides important guidance and insight through the years. What kind of role can a financial professional play for an investor? The answer: a very important one. While the...

Tuesday, September 3, 2019

Most understand that waiting to claim Social Security benefits can result in higher monthly payments. However, many don’t know that there are other ways to maximize their benefits, some of which depend on their marital status....

Thursday, August 29, 2019

Financial Steps to Take Before a Divorce Wise moves to make before things are finalized. Before your divorce goes through, it would be wise to check up on financial matters. It would be better to assess the state of your financial life...