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Thursday, April 4, 2024

Disability insurance (DI) can be complex, especially with taxes and coverage limits. Understanding these aspects is vital for ensuring sufficient protection during challenging times. Here are a few things you need to note. Work...

 

Thursday, April 4, 2024

Over the years, there have been financial limitations in the LGBTQ+ communities because of economic and legal disparities. Many in this demographic lack family support, experience workplace discrimination and have little access to...

 

Tuesday, March 12, 2024

An umbrella policy or excess liability insurance gives you extra protection on top of your existing liability coverage, such as homeowners or auto insurance. It becomes effective when you max out your primary policies, providing...

 

Wednesday, March 6, 2024

Did you know that 85% of employees prioritize financial literacy? Statistics published in 2018 by MetLife show that 46% of employees feel overwhelmed by financial decisions. Additionally, over half (53%) are concerned about their...

 

Thursday, February 15, 2024

In financial planning, a Roth conversion is a powerful strategy. It offers the opportunity to pay taxes upfront and reap the benefits of tax-free growth for the rest of your lives. This approach becomes particularly valuable in estate...

 

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Thursday, February 15, 2024

Are your estate plan documents in order? In estate planning, it’s important ensure proper management and distribution of your assets. In the event of death, you want your beneficiaries to be worry-free about their financial needs...

 

Thursday, January 25, 2024

The IRS opened the tax season officially on January 31st. Being financially responsible can be overwhelming if you don't have an efficient system to help you navigate through. According to Internal Revenue Service, over 8 million...

 

Wednesday, January 17, 2024

Are you a small business owner or independent contractor looking for last-minute tax deduction opportunities? It’s still possible to explore ways to reduce taxable income using retirement plans. The SECURE ACT, implemented in...

 

Tuesday, December 19, 2023

We all lead busy lives. As you’ve spent your time climbing the corporate ladder you might have put some things in place but haven’t reviewed in a long time. It’s easier to navigate economic challenges, build your...

 

Tuesday, December 19, 2023

Target-Date Funds (TDFs) were introduced in the early 1990s and they have grown in popularity ever since. In recent years, their appeal has surged even more, driven partly by the auto-enrollment legislation of the Pension Protection...

 

Monday, December 4, 2023

As we get closer to the end of the year, here are some important to-dos to consider regarding your estate planning and charitable gifting intentions.

 

Wednesday, November 29, 2023

Converting your traditional IRA to a Roth IRA can be a financial power move. While traditional IRAs defer taxes until retirement, Roth IRAs let you pay taxes upfront, ensuring tax-free withdrawals on both contributions and earnings...

 

Wednesday, November 22, 2023

Social Security is a complex topic. Many people don’t realize that they have rights and options afforded to them as a spouse of a worker who is eligible for social security themselves. If you’re currently or previously...

 

Friday, November 17, 2023

Dubbed a “silent killer” of retirement savings, Medicare's Income-Related Monthly Adjustment Amount (IRMAA) can have a major effect on your healthcare expenses. Your Medicare Part B premiums are based on your Modified...

 

Tuesday, November 14, 2023

It’s back! Our annual Holiday Spending Guide with updated classics and some new tips to help with your budget. Celebrating the holiday season, while keeping your finances intact is a tough balancing act. Hopefully, these tips...

 

Wednesday, November 1, 2023

When you first start your career, your focus is on the work and getting your career on the fast track. Then once you start earning a decent salary, you start thinking about goals you’d like accomplish — a new car, new home,...

 

Thursday, October 12, 2023

There is an incredible misperception when it comes to financial planning and the affluent. While the wealthy certainly know they need “investments” and “strategies” there is often a perception, right or wrong,...

 

Wednesday, September 20, 2023

Life insurance is a financial safety net for your loved ones in case of your passing. It ensures your family receives a payout, helping them manage expenses like funeral costs, debts, and ongoing financial responsibilities. Two primary...

 

Tuesday, September 12, 2023

Everyone knows they need life insurance, but what kind? For most people the choice can be broken down into two main policy categories — Term Life Insurance and Permanent Life Insurance. Term Life Insurance has a period of time...

 

Thursday, August 24, 2023

Finding a balance between the joy of exploration and uncertainty of travel can be difficult, especially without adequate preparation. Whether you’re a budget-savvy backpacker or enjoy the luxury of resort travel, check out these...

 

Friday, August 18, 2023

A comprehensive buy-sell agreement outlines potential conflicts during the buying and selling process, safeguards all stakeholder interests, and mitigates legal and financial consequences of the sale or purchase.

 

Wednesday, August 16, 2023

If you’re looking for opportunities to grow your child’s college savings, the 529 plan, and the tax deduction it provides, might be right for you. This deduction is one way to raise funds for your child’s tuition,...

 

Wednesday, August 9, 2023

Entering a partnership with a friend, colleague, or family member can be exciting. But it’s essential to establish a solid foundation and protect the interests of all parties involved. You can achieve this with a buy-sell...

 

Friday, July 14, 2023

We guide business owners to enhance employee productivity by using voluntary benefits that could improve financial wellness. Financial stress negatively impacts workplace productivity, causing distractions, absenteeism, and high...

 

Friday, June 23, 2023

It is fair to say that most of us appreciate dependable income streams.  All over the country people lay down money for scratch-off lottery tickets that promise the chance to “Win For Life”!   FDR’s New...

 

Friday, May 26, 2023

Demystifying Annuities: The Single Premium Index Annuity The annuity landscape is one of the most complicated areas of personal financial planning. With regard to buying an annuity contract, it can be as complex and varied as...

 

Tuesday, May 2, 2023

Stories like this are happening every day. This is the reason why we do what we do in this business. We’re making sure people are in the best financial position if the unthinkable happens. We listen to their concerns. We hear their hopes...

 

Wednesday, April 5, 2023

There are several ways to utilize real estate in your retirement portfolio. It may not be one of the more interesting options, but it might be one of the most important ones to consider. In this article we explore several ways...

 

Tuesday, March 28, 2023

SECURE Act 2.0 came with several exciting changes. One of the most beneficial changes is the ability to roll over 529 plans to a ROTH IRA. If you have children, this is an excellent way to save for their future retirement...

 

Thursday, February 23, 2023

The IRS opened the tax season officially on January 23. Every year, filing your taxes is part of adulting and being financially responsible. But it can also be overwhelming if you don't have an efficient system to help you navigate...

 

Tuesday, February 14, 2023

The beginning of the year is a great time to evaluate your budget. We’re all focused on our income streams and money that flows into our accounts, but equally important is the money that leaves our accounts. We’re always...

 

Tuesday, January 17, 2023

One of the best ways to celebrate International Wealth Mentality Month this January is to revisit your financial plan. Speak with your financial professional about your current situation. There are always adjustments that need to be...

 

Tuesday, December 6, 2022

The financial climate during 2022 was active, volatile and unpredictable. Market declines can be a good thing when you’re looking to create opportunities to balance your portfolio. If you want to capitalize on the down market,...

 

Monday, November 28, 2022

When you’re thinking of what to get your child or grandchild for a birthday or holiday, do you ever wonder how long that gift will be relevant? Do you try to find things that will remain relevant for a long period of time? There...

 

Monday, November 21, 2022

Social Security is a topic with differing perspectives, depending on what you read or which television program you watch. Some experts believe the program needs a few adjustments, while others will proclaim the program needs massive reform.

 

Friday, October 21, 2022

Medicare is a health insurance program of the United States government that subsidizes healthcare services. People of retirement age (65 and up), younger people who meet certain health criteria, and those with particular conditions are...

 

Wednesday, October 19, 2022

When we talk about taking a holistic approach to your wealth management, your health is included in that discussion. Your benefits coverage impacts your financial plan as you grow older. When we break down for you the importance of...

 

Thursday, August 25, 2022

Premium Financing is a strategy used by High-Net-Worth Individuals (HNWIs) to cover the expense of large life insurance premiums by taking out a third-party bank loan to pay for the policy’s premiums.

 

Thursday, August 25, 2022

Financial aid is saddled with misinformation. How much do you know about this important piece of the college financing puzzle? Consider these five common financial aid myths.

 

Friday, August 19, 2022

We help our kids learn how to walk, talk, read, write, and even how to swim. So, why don’t we teach them about money?

 

Monday, May 2, 2022

Whether or not you need supplemental disability insurance is an essential question that is often asked. The answer can come from answering a few other questions that will help you get a full understanding of disability insurance.

 

Monday, May 2, 2022

 

Monday, May 2, 2022

Life insurance – we’ve heard of it, we know how important it can be, we think we probably need it, but do we know how it works? What are we paying for when we make monthly policy payments? If you’re single with no children, do you still nee

 

Monday, March 28, 2022

 

Monday, March 28, 2022

In our first blog, Determining Your Risk Profile, we’ve focused on your personal risk profile as it relates to your investment strategies, but it’s important to understand that your profile can be affected by other factors in your life.

 

Monday, March 28, 2022

Cryptocurrencies have gone mainstream. But they’re not for the average investor. Before even considering investing in crypto, make sure you know how they work and the risks of crypto‐investing.

 

Friday, March 25, 2022

 

Friday, March 4, 2022

It’s no secret that families of children with special needs must exercise special care when it comes to financial planning. Whether the child is of age or still a minor the main goal of the parent should always be the well-being of the chil

 

Wednesday, March 2, 2022

 

Monday, November 29, 2021

Look at this list and check it twice. Before you know it, the giant crystal ball will be dropping in Times Square and 2021 will be no more. Before we turn the calendar to a new year, it is critical to review these year-end financial...

 

Tuesday, October 12, 2021

A nonqualified deferred compensation (NQDC) plan, also known as a Section 409A plan, is a contractual fringe benefit often included as part of an overall compensation package for key executives. It can serve as an important supplement...

 

Wednesday, June 2, 2021

Over the last 15 years, I have worked in the financial wellness sector in corporate America, teaching workshops offered through their employer on financial management, Social Security planning, estate planning, utilizing a Roth IRA, an...

 

Monday, May 10, 2021

Should I convert my term life insurance? As one’s term policy nears its expiration date, plenty of people wonder what to do next. Should they let the policy expire? Convert the policy to whole life? Or purchase another term...

 

Monday, April 26, 2021

Whether it is now or in the future, 100% of business owners will move on from their business at some point. Regardless of this fact, very few business owners take the time to develop a succession plan. If you are a business owner, it...

 

Monday, April 12, 2021

Succession planning, exit planning, and business planning may seem interchangeable in most people’s eyes. However, each type of planning plays a very different role in designing and then implementing a strategy for leaving your...

 

Monday, March 29, 2021

Some business owners will panic and bury their heads in the sand in times of great uncertainty or disruption. Some will sit tight and wait for things to settle down, but others will create opportunity and future growth. Which will you...

 

Monday, March 15, 2021

Taking on any large project can be manageable when you have a reliable process in place. When deciding to exit your business, for example, you will need a proven process in place to ensure you have covered all the bases. Just like...

 

Monday, March 1, 2021

Pandemics, social upheaval, market volatility, oh my! If you read news headlines, it may feel like our world is spinning out of control, which can lead to panic and a whole lot of emotion. For many of us, one of our first thoughts in...

 

Monday, February 15, 2021

Owning life insurance is necessary to protect your family in the event something was to happen to you. Many are aware of the need for life insurance but unsure how much and what type is adequate for their situation. We answer common...

 

Monday, February 1, 2021

What to Know About a 401(k) Rollover When changing employers, it is important to consider what to do with your 401(k). Although the process itself is simple, it is important to know special tax considerations and any potential...

 

Monday, January 18, 2021

Mortgages rates are currently at an all-time low and the demand for real estate has been increasing. Many people are making the decision to put the “for sale” sign on their front lawn or to move out of their rental and...

 

Monday, January 4, 2021

A new year is upon us and plenty of us are hoping for a much different year than the one prior. One thing that most likely remains the same though are our goals for the new year. Many of us have New Years resolutions – if your...

 

Monday, December 21, 2020

Financial advisors assist individuals with achieving their financial goals. But what does this mean? A financial advisor’s role is to understand your priorities and where you stand relative to those goals today – whether...

 

Monday, November 23, 2020

It is the end of the year and many of us are bombarded with thoughts of how to wrap up a chaotic year. While we take care of last minute shopping for the holidays and are still overwhelmed by the COVID-19 pandemic, we can’t...

 

Monday, October 26, 2020

When it comes to your financial situation, utilizing the services of a professional is invaluable. Advisors assist with navigating major life decisions and developing a plan to help you achieve your financial goals. Deciding on the...

 

Monday, October 12, 2020

Despite the general rule of thumb that it is critically important to save regularly for retirement – there are times in a person’s life when it may make sense to pause this. Before such action is considered, I strongly...

 

Monday, September 28, 2020

Meeting with a financial advisor may appear overwhelming. Many people are often reluctant to trust their planner and provide personal information regarding their financial situation and their goals. However, your advisor is working...

 

Monday, September 14, 2020

If you are laid off from your job or transitioning to a new employer, we recommend one simple tool – opening up an IRA. Each time you leave an employer, you can determine if it makes sense to roll your funds over into an IRA....

 

Monday, August 31, 2020

Avoid These Common Retiree Mistakes Retirement is an exciting period for many people who are eager to say goodbye to long days at the office and hello to long days at the beach. However, entering retirement also means saying goodbye to...

 

Monday, August 17, 2020

5 Money Saving Tips You Probably Don’t Know When choosing to save money, we immediately consider reducing our spending to have the ability to put more into our savings accounts. We may decide to eat out less or forego the annual...

 

Monday, August 3, 2020

Are you on track for retirement? No matter your age, saving and planning for retirement is necessary. The sooner you begin putting money aside, the more prepared you will be when the time comes for this next chapter of your life. But...

 

Monday, July 20, 2020

Six Steps You Should Consider if You’re Nearing Retirement The closer you get to retirement, the more concern you probably have regarding your portfolio. If you find that your portfolio is underperforming your expectations,...

 

Monday, July 6, 2020

Take These Steps Before Merging Finances Merging finances as a couple can be an exciting, but challenging time. Taking this next step with your partner is one that requires open communication and it is imperative for both parties to...

 

Monday, June 22, 2020

Is a Roth 401(k) for You? When considering retirement savings methods, the most common option people consider is their employer-sponsored 401(k). Although not as often utilized, a Roth 401(k) is another beneficial way to plan for...

 

Wednesday, June 17, 2020

Investing in Your Child’s Education Education is important to many people. After all, education provides more opportunities, regardless of whether you go to college, learn independently, or study a trade. Parents often plan to...

 

Thursday, June 11, 2020

Leaders all have their own habits that help them conduct a successful day of work. These habits vary widely, but they are all useful in their own way. To help yourself be the most productive and effective leader possible, try...

 

Monday, June 8, 2020

Financial Skills Teens Need to Have When growing up, many people do not learn the basics of financial education. This can cause them to make poor financial decisions in early adulthood that can lead to crippling debt amongst other...

 

Friday, June 5, 2020

Investing is a topic many people push off until they are well-established in their lives. People in their 20s may assume that since they have 40+ years until they retire, they can invest when they’re a bit older. However, it is...

 

Friday, June 5, 2020

Ways to Learn about Investing Investing is a complex topic that many people are only familiar with on a surface level. However, it can be beneficial to spend the time learning about the many investment options available to you. To get...

 

Friday, May 29, 2020

Debt is an unfortunate part of many people’s lives. Whether it be from student loans, mortgages, credit cards, or something else, debt can cause many people to get into financial situations that they need to dig their way out of....

 

Wednesday, May 20, 2020

COVID-19 is a pandemic that has not been rivalled in modern times. The impact it has in all areas of life is tremendous, and thus, there are naturally going to be impacts to people’s investments. Although the scope is...

 

Wednesday, May 13, 2020

As a leader, it can be tempting to overwork yourself for the good of the team. After all, many people rely on you to help them fix their problems, so saying no is not always an option. However, far too many leaders work late nights and...

 

Thursday, April 16, 2020

Emergency Savings Everyone Should Have Nobody wants to be caught in the midst of an emergency without money. Unfortunately, for many Americans, emergency savings just aren’t something they have readily available. However, it is...

 

Tuesday, March 31, 2020

When it comes to investing, the first thing many people think of is the stock market. Stocks are a high-risk, high-reward option. As such, they can be really beneficial, but they can also cause people to lose a significant amount of...

 

Thursday, March 5, 2020

Investing is practically a necessity if you hope to retire or live a more comfortable life in the future. Although you can get by on savings when done right, investing provides an opportunity to increase your wealth without making too...

 

Thursday, March 5, 2020

Financial education is, unfortunately, not as prevalent in the modern American school system as it should be. Kids and teens are growing up unaware of how to manage their finances, which can lead to poor financial decisions as adults....

 

Wednesday, March 4, 2020

When it comes to investing, the first thing many people think of is the stock market. Stocks are a high-risk, high-reward option. As such, they can be really beneficial, but they can also cause people to lose a significant amount of...

 

Wednesday, March 4, 2020

Taking the first step toward control over your finances is a big move, but it can pay off well in the future. Financial health can play a role in many areas of your life, from day-to-day quality of living to your retirement plans....