Articles
The Real Answer to Your Financial Questions: It Depends
When it comes to personal finance, one of the most common—and frustrating—answers you’ll hear is, “It depends.” Whether you’re asking about the best way to invest, how much you should save for retirement, or how [...]
Aging with Financial Security: Practical Steps for Planning Your Parents’ Finances
There are often red flags you may notice that indicate your parents have reached a point where they need help with their finances. At first, your parents might be resistant to this, believing they can [...]
Should I Pay Off My Mortgage?
Being unsure whether to pay off your mortgage or not is a good problem to have. It means you have significant savings and have afforded yourself some choices. While the idea of being debt-free is [...]
10 Powerful Ways Women Business Owners May Gain a Competitive Edge
Starting and running a business may be exciting and challenging. If you’re a woman and a business owner, you may face some obstacles, but there are many ways to gain a competitive edge. Here are [...]
How a Financial Professional May Be Your Valuable Business Advisor
Small businesses have new reasons to consider the value of financial planning in working towards their business goals. Many owners are "bandonneurs" (a French word for "jack of all trades") who may successfully wear many [...]
Prepare or Beware: The Dangers of Retirement Planning Procrastination
Most people looking forward to retirement anticipate years of relaxation and fulfillment after decades of hard work. But the reality of retirement is often far different. For many people, retirement may bring financial stress, uncertainty, [...]
YOLO and FOMO: Gen Z’s and Millennials’ Financial Decision-Making
Both “YOLO” (you only live once) and “FOMO” (fear of missing out) mentalities tend to be prevalent among Gen Z and Millennials. These generations came of age during the Internet era, and many find themselves [...]
5 Things You Didn’t Know About 529 Plans
5 Things You Didn't Know About 529 Plans When it comes to saving for your child's education, 529 plans are a popular choice due to their tax advantages and flexibility. However, there are several lesser-known [...]
Midyear Outlook 2024: Still Waiting for the Turn
As we reach the halfway point of 2024, a sense of persistence defines the economic and market landscape. Trends from late 2023 have continued, with surprisingly resilient economic growth mixed with stubborn but decelerating inflation. [...]
United in Wealth: How to Become a Financial Power Couple
If you're a high earner, you may be interested in partnering with someone with similar education, income, and goals. Becoming a financial "power couple" can help you both achieve your goals sooner. Because money disputes [...]
Financial Considerations for a Child’s Summer Job or Internship
Financial Considerations for a Child’s Summer Job or Internship Summer break is here, and many young people will be working at a summer job or internship. While earning a paycheck is exciting, it can also [...]
How to Build Professional Social Relationships While Running a Small Business
You need a healthy social network to make your small business truly successful. Not only can other small business owners help refer clients and customers your way, provide collaboration, and introduce you to useful contacts, [...]
Rich vs. Wealthy – Is There Really a Difference?
The terms "rich" and "wealthy" are often used interchangeably. But are they really the same? As the saying goes, "Money talks, but wealth whispers." Here are some of the differences between being rich and being [...]
Small Businesses and the Case for Annuities
Annuities are a well-kept secret in the small business financing world. Businesses can use these products in various ways, both to meet their own financial goals and to provide retirement benefits to owners and employees. [...]
Advanced College Saving Tips
John Hancock Investment Management Advanced Collage Savings Tips - Video
High Earners and Homeownership: Why It’s More Than Just a Status Symbol
For generations, homeownership has been billed as the hallmark of the American Dream. However, for high earners, it can also be a way to reduce taxes, receive more favorable capital gains treatment, and invest in [...]
Why Financial Teams?
Why Financial Teams? When it comes to financial advice, the benefits of working with a team rather than an individual advisor become increasingly clear as your financial needs grow more complex. A team can offer a [...]
Retirement Planning for Teacher and Public School Workers
Many public school workers in different positions devote their lives to furthering the education of young people. The ability to enjoy a secure retirement is an objective that many teachers and their colleagues pursue years [...]
The Transition to T+1 Settlements: What it Means
The Transition to T+1 Settlements: What it Means. This change enhances the efficiency and stability of the financial markets Next week marks a significant milestone in the securities industry: the standard settlement cycle for most [...]
Tips for Navigating Inflation as a Small Business Owner
Small business owners face many challenges, which may become even more significant during inflation. As inflation hit new highs in recent years, small business owners are being tested and challenged by high costs and high [...]
Setting and Targeting Investment Goals
Go out into your yard and dig a big hole. Every month, throw $50 into it, but don't take any money out until you're ready to buy a house, send your child to college, or [...]
Why Do We Worry About Money?
Why Do We Worry About Money? It may be surprising to hear, but even those who’ve accumulated substantial wealth may still worry about money. While financial success often brings comfort, it doesn't alleviate every fear, [...]
Guarding Your Future: Financial Wisdom for the New Generation
Guarding Your Future: Financial Wisdom for the New Generation As the journey of independence begins, young adults confront a plethora of financial decisions that set the stage for their future stability. Effective money management is [...]
Why High Earners Need Life Insurance Too: Helping Your Family and Preserving Your Finances
There are several ways high-net-worth individuals can benefit from life insurance. It is a vehicle that could provide loved ones with an income stream, it can be used as an investment strategy, it may help [...]
5 Ways to Incorporate Unexpected Cash in Your Financial Plan
5 Ways to Incorporate Unexpected Cash in Your Financial Plan Receiving an unexpected sum of money can be a welcome surprise, but deciding what to do with it can be a challenge. Should you save [...]
Navigating the 4 Phases of Retirement
Retirement seems like a long way off, but it arrives faster than you think. The big question is, are you ready? What exactly does retirement entail? Analysts suggest there are four designated phases of retirement [...]
A Lesson on Gifting a 529 Savings Plan
529 savings plans are a way to gift education expenses for those who wish to invest in a child's future. Funding a 529 plan is considered a gift to the beneficiary for estate tax purposes, [...]
Protect Your Children from Their Inheritance
Protect Your Children from Their Inheritance Wealthy families often find themselves grappling with how to effectively pass along assets to their children while ensuring those children are ready for the responsibility. As we tread towards [...]
The Newlywed’s Guide to Money Mastery
The Newlywed’s Guide to Money Mastery Married life is not just a romantic journey but also a financial partnership. As newlyweds, mastering money management is crucial for laying the foundation for a prosperous future together. [...]
Keep Politics Out of Your Portfolio
Keep Politics Out of Your Portfolio In our current environment, where political news comes from every direction, it’s important to remember the importance of impartiality in your portfolio. There is a certain allure of aligning [...]
We All Have Money Blind Spots
We All Have Money Blind Spots Blind spots, in the realm of investing, can be likened to the unnoticed smudges on a pair of glasses. They obscure a clear view of reality, but they can [...]
Ways a Financial Professional Can Assist You
Ways a Financial Professional Can Assist You Asking for help is a strength, not a weakness. Here are 10 ways a financial professional can assist you: Often, there is a misconception that seeking financial help [...]
Keep Control; It’s To Your Credit
Keep Control; It’s To Your Credit Are you one of the many American consumers currently asking yourself, “How can I better control my use of credit?” Consumer debt in the United States totals in the [...]
Debt-to-Income RatioExplained
Debt-to-Income RatioExplained Debt-to-Income Ratio Explained If you’re considering purchasing a home, the debt-to-income ratio (DTI) is an important term to familiarize yourself with. Your DTI can ultimately make it easier or harder for you to [...]
Retire in Style: Early Retirement and Estate Planning Strategies for Young Adults
Retire in Style: Early Retirement and Estate Planning Strategies for Young Adults Retirement and estate planning might feel like distant concepts for those in their 20s and 30s. Yet, starting early on these financial considerations [...]
13 POTHOLES to Avoid on the Road to Retirement
13 POTHOLES to Avoid on the Road to Retirement 1. NOT HAVING A MONTHLY BUDGET A budget is a spending plan based on your income and how much money you will spend over a set [...]
Must-Know Retirement Deadlines
Must-Know Retirement Deadlines When can you access your savings without a penalty? When should you enroll in Medicare? At what age is it best to collect Social Security? In the years leading up to retirement, [...]
Thriving Through Financial Stress: Lessons for High-Net-Worth Families
April is Stress Awareness Month, and there's no better time to reflect on and address the stressors that may impact our lives. Financial stress is an interesting challenge for high-net-worth individuals and families since most [...]
Maximizing Wealth: 5 Ways a Financial Professional May Help Propel High Earners Towards High-Net-Worth Status
The journey to prosperity involves more than just a high income. It requires strategic planning, wise investment decisions, and a keen understanding of your financial landscape. On Financial Professional Day, explore how working with a [...]
High-Net-Worth Retirement Planning: How Social Security Fits In
As high-net-worth (HNW) individuals approach their golden years, retirement planning often becomes a focal point of their financial strategies. One aspect of this planning that sometimes creates confusion or misinterpretation is the role of Social [...]
Protect Yourself from AI Fraud
Protect Yourself from AI Fraud As you navigate the digital landscape, it is important to be aware of the evolving fraud risks posed by Artificial Intelligence (AI). Scammers embrace AI because it enables them to [...]
How a Financial Advisor Can Help Lower Your Tax Bill
How a Financial Advisor Can Help Lower Your Tax Bill Careful tax planning throughout the year can put more money in your pocket. Tax planning is a vital part of any wealth management strategy, but [...]
Mitigating the Serious Risks of Over-Concentration
How financial professionals can help seasoned business executives For seasoned business executives, the allure of company stock can be undeniable. After years of dedication and hard work, owning a significant portion of one's company can [...]
Start Your Year Financially Strong With a No-Spend Challenge
In this day and age of high cost of living, elevated inflation, steady rise in taxes, particularly property, and market volatility, the idea of cutting back on frivolous spending has gained significant traction. Consumers are [...]
How to Boost Your FAFSA Eligibility in 6 Simple Steps
Student financial aid, like most anything financially related, involves strategy and a bit of finesse to make your money and time work for you. Some might believe that receiving the offer you were hoping for [...]
Tips to Navigating Gen Z’s Economic Challenges
Mindfulness and adaptability can position you for long-term confidence As the world evolves, so too do the challenges faced by the younger generations entering the workforce. Over the last year, nearly four in 10 Gen [...]
25 Ways to Make Friends in Retirement
25 Ways to Make Friends in Retirement Retirement is an exciting phase of life, offering seniors the opportunity to explore new interests, travel, and spend more time with loved ones. However, it can also present [...]
Guarding Generations: The Strategic Role of Life Insurance
Guarding Generations: The Strategic Role of Life Insurance Discussing life insurance often brings a sense of discomfort, given its close association with our own mortality. However, this perspective overlooks the essential role that life insurance [...]
Gen Xers: “Can I Afford to Retire on My Terms?”
Gen Xers: “Can I Afford to Retire on My Terms?” Financial education, planning, lifestyle adjustments and advice are crucial As Generation X, often referred to as the "forgotten generation," inches closer to retirement, a unique [...]
5 Easy Ways to Protect Seniors from Financial Abuse
5 Easy Ways to Protect Seniors from Financial Abuse Technology has helped to streamline the way we manage our money, allowing us to perform transactions and monitor our accounts online, instead of needing to do [...]
How Small Businesses Can Leverage AI Today
How Small Businesses Can Leverage AI Today One of the most significant developments in recent technology is the rise of artificial intelligence (AI). When you ask ChatGPT (a leading AI program) what that means, it [...]
Launch Your Dream Business at Home: Pursue Work-Life Independence
Launch Your Dream Business at Home: Pursue Work-Life Independence In the era of digitization and remote work, the idea of launching a prosperous business without stepping foot outside your home has become increasingly achievable. The [...]
Key Financial Wellness Metrics for Near-Retirement Individuals
Key Financial Wellness Metrics for Near-Retirement Individuals As one approaches retirement, monitoring your financial situation by understanding your net worth and assessing the assets and resources needed to maintain a comfortable lifestyle throughout retirement is [...]
Breaking the Paycheck-to-Paycheck Cycle: Strategies for High Earners
Breaking the Paycheck-to-Paycheck Cycle: Strategies for High Earners The highly sought-after six-figure salary isn’t what it used to be. Time Magazine reported a startling statistic from a survey conducted by the financial insight and [...]
Flying in Style: Modern Airline Rewards
Flying in Style: Modern Airline Rewards We recently passed the 40th anniversary of frequent flyer programs as we know them. These programs started really simply, but forever changed the way we travel. Essentially, the more [...]
3 Small Moves that Make a Big Difference in Retirement
3 Small Moves that Make a Big Difference in Retirement Saving for retirement doesn’t happen overnight. It’s an ongoing process that requires monitoring and tweaking your plan over many years to help ensure you have [...]
Active vs. Passive Investing: Which Is Best?
Active vs. Passive Investing: Which Is Best? Investors and advisors alike have long debated the merits of active versus passive investing. As the markets have taken a downward turn over the last year in response [...]
Four Financial Lessons To Learn From Dr. Martin Luther King, Jr.
Four Financial Lessons To Learn From Dr. Martin Luther King, Jr. Although Dr. Martin Luther King Jr. is known for his role in the American Civil Rights Movement and advocacy for nonviolent protests, a deeper [...]
5 Financial Bad Habits to Cut This Year
5 Financial Bad Habits to Cut This Year When it comes to financial bad habits, the most common are also well known — don’t spend too much, don’t take on unsustainable debt, and avoid [...]
6 Business Goals for a Prosperous New Year
6 Business Goals for a Prosperous New Year The new year is fast approaching, and it is the perfect time to set up resolutions for your business. Whether you want to increase your sales, gather [...]
Will You Be Naughty or Nice To Your Finances This Holiday Season?
Will You Be Naughty or Nice To Your Finances This Holiday Season? ‘Tis the season for fun, family, and a lot of spending. Whether you plan to spend money on holiday gifts for the family, [...]
Scrooge and the Ghosts of Financial Planning
Scrooge and the Ghosts of Financial Planning In Charles Dickens's timeless classic, "A Christmas Carol," Ebenezer Scrooge transforms from a miserly old man to a generous and empathetic soul. Along the way, he encounters the [...]
December College Newsletter
December College Newsletter For high school seniors, December is an especially busy time. Not only do many schools have their final exams, but there are college applications and essays to finish. December also brings [...]
5 Strategies for Managing Financial Stress During the Holidays
5 Strategies for Managing Financial Stress During the Holidays The holiday season is a time of joy and headaches, celebration, fatigue, and togetherness mixed with a few knock-down drag-out fights. On top of the [...]
November College Newsletter
November College Newsletter When Should I File the FAFSA? As you may already be aware, the Free Application for Federal Student Aid (FAFSA) is not yet open and won't be until sometime in December or [...]
Creating Your Perfect Retirement Recipe
Creating Your Perfect Retirement Recipe Although achieving your financial goals is more challenging than following a step-by-step recipe, a few common ingredients and preparation methods may help improve your ability to manage financial resources. Here [...]
4 Thanksgiving Lessons for a Feast-Worthy Financial Plan
4 Thanksgiving Lessons for a Feast-Worthy Financial Plan Thanksgiving is a holiday for spending time with loved ones, being grateful, and perhaps enjoying a bit of overindulgence. There are many financial lessons to be had [...]
5 Do’s and Don’ts for Charitable Giving During the Holidays
5 Do’s and Don'ts for Charitable Giving During the Holidays The fourth quarter holidays are often seen as one of the prime times to take out your checkbook — not only do many charities put [...]
Trusts and Year-End Planning: A Checklist
Trusts and Year-End Planning: A Checklist A trust is a legal vehicle that protects your assets that contains instructions for your assets when you die or become incapacitated. When you set up a trust, you [...]
6 Scary Money Mistakes and How to Avoid Becoming a Financial Horror Story
6 Scary Money Mistakes and How to Avoid Becoming a Financial Horror Story Managing money may seem stressful at times. Unexpected expenses, changes in employment, and changes in family or lifestyle may all lead to [...]
October College Newsletter
October College Newsletter As the harvest season slows down, Fall colors become abundant. Nature amazes and enchants us with endless shades of red, orange, and yellow. The days are getting shorter and finally cooling down [...]
How Does the New RMD Rule Affect Retirees?
How Does the New RMD Rule Affect Retirees? There’s good news for your retirement plan! Starting this year, the age at which you must start taking required minimum distributions (RMDs) from your tax-deferred retirement accounts [...]
Got Investophobia? Here are 6 Steps to Overcome Your Investing Fears
Got Investophobia? Here are 6 Steps to Overcome Your Investing Fears Investing your money for the future might be one of the quickest ways to grow your wealth, whether saving for retirement or making a [...]
Finding Focus with Financial Planning: A Step-By-Step Guide
Finding Focus with Financial Planning: A Step-By-Step Guide You have probably heard about financial planning and its potential benefits, but you are unsure how to apply the principles to your life. A financial plan is [...]
How to Make Keeping Track of Your Finances Easy
How to Make Keeping Track of Your Finances Easy Now is an excellent time to start evaluating your current financial situation, determining your future goals and expectations, and working toward pursuing them. If you need [...]
Transform Your Money Mindset
Transform Your Money Mindset Your relationship with money is more than just numbers in a bank account; it's a mindset that shapes your decisions and daily behaviors. Recognizing this profound connection, this article shared by [...]
How a Financial Professional Can Help You Apply Stephen Covey’s “7 Habits of Highly Effective People” to Your Investment Strategy
How a Financial Professional Can Help You Apply Stephen Covey’s “7 Habits of Highly Effective People” to Your Investment Strategy In 1989, Stephen Covey, an American author, educator, and businessman, published his groundbreaking self-help book, [...]
Smart Savings: 5 Tax Breaks for College Students and Parents
Smart Savings: 5 Tax Breaks for College Students and Parents With the cost of college expensive for many, receiving a tax break from the IRS for college-related expenses may be appealing. 529 Plans and Coverdell [...]
September College Newsletter
September College Newsletter This Month's Highlights: A New FAFSA Form is Coming-- Don't File Until You Read This Major Changes in College Aid Financial Aid Insider: One Hack To Increase Financial Aid There is [...]
Financial Considerations for Working Parents
Financial Considerations for Working Parents Nine of every 10 U.S. families with children have at least one working parent.1 Though working parents make up one of the largest demographic groups in the country, they face [...]
Is One Million Dollars the amount needed to retire?
Is One Million Dollars the amount needed to retire? I'm not sure why people even think that $1 Million is the magic number to retire. Not sure who came up with that, not sure why [...]
Growth Stocks vs. Value Stocks
Growth Stocks vs. Value Stocks Stock investing is an important engine of growth in your portfolio, but deciding on an investing strategy and particular stocks can be challenging. When designing a diversified portfolio that aims [...]
5 Must-Have Items for Your Financial First Aid Kit
5 Must-Have Items for Your Financial First Aid Kit Every year, around 3 million Americans are required to evacuate their homes due to a natural disaster.1 What's more, this figure does not include the millions [...]
Football, Finances, and Fumbles: What to Do When Life Calls an Audible
Football, Finances, and Fumbles: What to Do When Life Calls an Audible Are you a football fan? If so, you understand the significance of an audible call at the line of scrimmage and how sometimes [...]
Are You Prepared for a 30 Year Retirement?
Are You Prepared for a 30 Year Retirement? The good news? Retirees are living longer. The bad news? Many aren’t planning for it financially. Life expectancy is a key piece of retirement planning. After all, [...]
Financial Basics for Millennials
Financial Basics for Millennials Millennials face financial challenges that are unique to their generation. One of the first steps in overcoming them is to understand some basic financial concepts. With age comes responsibility, so if [...]
August is National Make a Will Month
August is National Make a Will Month A timely reminder of the importance of protecting your savings, home, and family through comprehensive estate planning. I recommend you take advantage of our complimentary estate planning consultation [...]
Ready to Flip? Improve Your Investment Property with These ROI-Friendly Tips 469954-1
Ready to Flip? Improve Your Investment Property with These ROI-Friendly Tips 469954-1 As an investor, you want to maximize your return on investment (ROI). But what are the best ways to improve the look and [...]
How Emotional and Behavioral Barriers May Impact Your Investing Decisions
How Emotional and Behavioral Barriers May Impact Your Investing Decisions Ah, Money. The word leaves you with a positive or a negative feeling when you hear it. The feeling we get from money, and investing, [...]
It’s Never Too Late to Improve Your Financial Awareness
It's Never Too Late to Improve Your Financial Awareness Financial education is constantly evolving. As investments, financial priorities, and the economy change, so do financial strategies and plans. To stay on top of your [...]
August College Newsletter
August College Newsletter Hello, First, here are some fun August facts: Did you know that August was originally named Sextilis? That is why August is named after the Roman Emperor Augustus. Originally, August did not [...]
Do You Know What Type of Investor You Are?
Do You Know What Type of Investor You Are? Do you know the answer if your financial professional asks you what type of investor you are? While it may be challenging to classify yourself off [...]
10 Questions to Ask When Relocating in Retirement
10 Questions to Ask When Relocating in Retirement Did you know that 40% of workers today plan to move to a different city or region after they retire?[1] This underscores a trend of retirees eager to [...]
The Sequence of Returns Risk in Retirement
The Sequence of Returns Risk in Retirement Markets go up and down in ways that are not entirely predictable. For long-term investors, what the market is doing in the present isn’t that troubling; they’ve got [...]
Unveiling the Path to Financial Triumph: Empowering Dreams, Giving Hope
Unveiling the Path to Financial Triumph: Empowering Dreams, Giving Hope Let’s call them Brandon and Laura. We met when they were three months away from their wedding day. Brandon had been extremely motivated to [...]
Batter Up! How to Score a Retirement Planning Home Run
Batter Up! How to Score a Retirement Planning Home Run There are two things Americans have always looked forward to: going to the ballpark for the big game and retiring after a fulfilling career. [...]
3 Biases That Can Sabotage Your Wealth
3 Biases That Can Sabotage Your Wealth Making financial decisions can often be more challenging than it appears. A variety of subtle influences can cloud our judgment. Among these, behavioral biases like anchoring, loss aversion, [...]
Get to Know the Rich Relationship Between Your Financial and Social Life
Get to Know the Rich Relationship Between Your Financial and Social Life When you think of your financial wellness, you are likely not considering how it may affect your social life or vice versa. [...]
Student Loan Forgiveness Updates
Student Loan Forgiveness Updates The Supreme Court struck down the president’s student loan forgiveness plan.1 What does that mean for your loans? Though President Biden announced intentions to find another path to loan [...]
Financial Freedom, Market Volatility, and You
Financial Freedom, Market Volatility, and You If recent market volatility has you questioning your opportunities for financial freedom, you are not alone. Due to rising inflation, higher interest rates, a volatile stock market, and [...]
Monthly College Newsletter
No More Pencils, No More Books, No More Teacher's Dirty Looks! July is the month of picnics, fireworks, lazy days at the beach-- and definitely not school. While it may be difficult to keep your college-bound [...]
Gratitude’s Impact on Your Money Mindset
Gratitude’s Impact on Your Money Mindset When we hear the term "gratitude," most of us think of living a happier and more fulfilling life. We think of slowing down, being mindful, and cherishing the small [...]
Five Tips for Tackling Your Bad Spending Habits
Five Tips for Tackling Your Bad Spending Habits Improving spending habits can help you work toward financial stability and security All of us have bad spending habits that we would like to change [...]
Finances and Fireworks: 5 Strategies to Help Preserve and Celebrate Your Financial Freedom
Finances and Fireworks: 5 Strategies to Help Preserve and Celebrate Your Financial Freedom Your finances are probably one of the last places you want to experience fireworks—unless they are celebratory. With new year's resolutions [...]
Pursue Financial Fitness Like You Do Your Physical Fitness
Pursue Financial Fitness Like You Do Your Physical Fitness Individuals who exercise regularly and focus on better health, developing their bodies, stamina, and mental clarity understand what it encompasses. There are steps that people take [...]
Get to Know Your Risk Tolerance
Get to Know Your Risk Tolerance When constructing a portfolio, it’s critical to understand three important factors: your goals, your time horizon, and your risk tolerance. Of those three, risk tolerance can be the trickiest [...]
Last Minute Considerations for the FAFSA Deadline
Last Minute Considerations for the FAFSA Deadline For many, the expenses of college or technical school can be overwhelming. But, with financial aid programs, tuition, room and board, books, and other college-related costs can [...]
Instilling Financial Values in Your Family
Instilling Financial Values in Your Family Over the next two decades, more than 84 trillion dollars will change hands in what has become known as the “great wealth transfer.” More than $72 trillion of that [...]
Fatherly Advice: 6 Timeless Financial Tips Our Fathers Taught Us
Fatherly Advice: 6 Timeless Financial Tips Our Fathers Taught Us Although many things have changed in the financial world over the past 20 years, some nuggets of financial advice are timeless. Here are a few [...]
College Newsletter
College Newsletter The month of June is especially known for: Weddings The First Day of Summer Vacations Graduations By now, those students who have been placed on waitlists, it's a good idea to send [...]
Take a Swing at Investing Like a Golfer
Take a Swing at Investing Like a Golfer Golfing and investing may not seem to share much common ground at first glance. But the more you think about it, a successful golfer and a [...]
5 Strategies to Boost Your Retirement Savings
5 Strategies to Boost Your Retirement Savings Whether your retirement date is fast approaching or you still have a few years to go, it’s important to take steps to boost your nest egg so you’re [...]
6 Self-Care Strategies for Nurses
6 Self-Care Strategies for Nurses With the pandemic causing staffing shortages and full hospitals, many nurses work multiple shifts for days without a break. It may come as no surprise that nurse burnout rates are high, [...]
How to Develop a Money Mindset That Aligns with Your Goals
How to Develop a Money Mindset That Aligns with Your Goals Financial goals are essential. Setting them will help you to obtain the things you want out of life as well as live the lifestyle you [...]
May’s College Newsletter
May’s College Newsletter May is the fifth month in the Gregorian calendar and has 31 days. May is a Spring month in the northern half of the world, and a Fall month in the [...]
Call It Market Updates
Call It Market Updates Markets are doing their thing again, so let’s discuss. Markets tumbled, heading into negative territory, and then bounced back. And then promptly fell again.1 We're caught in a whipsaw pattern of [...]
2 Ways for Nurses to Take Control of Their Finances
2 Ways for Nurses to Take Control of Their Finances Being a nurse comes with a lot of responsibility alongside a sense of pride in knowing that you are helping others. But while the road [...]
5 Podcasts for Business Owners
5 Podcasts for Business Owners Listening to podcasts is like having a personal coach or mentor for your business. Whether you’re looking for advice, creative ideas, or motivation, they can be a great help in [...]
Mother Knows Best: 6 Small Business Lessons We Learned From Our Moms
Mother Knows Best: 6 Small Business Lessons We Learned From Our Moms Mothers are our teachers, starting from the time we are born and lasting throughout our lives. They have a role in teaching us [...]
Stay Financially Focused: Money Lessons You Can Learn From Star Wars
Stay Financially Focused: Money Lessons You Can Learn From Star Wars May the Fourth Be With You! A long time ago, in a galaxy far, far away, Star Wars was born. Over the years, the movies [...]
7 Tips to Becoming a Financial Samurai
7 Tips to Becoming a Financial Samurai Miyamoto Musashi is one of history’s greatest swordsman having never lost a duel. He was a philosopher, writer and strategist who wrote the Dokkodo, 21 principles for living [...]
An Introduction to Bond Ladders
An Introduction to Bond Ladders Bonds play an important role in a diverse investment portfolio. As fixed-income securities, they can provide a stable return until they mature. As with any investment, bonds are subject to [...]
Money Matters: Financial Literacy For The Whole Family
Money Matters: Financial Literacy For The Whole Family Financial literacy is crucial, not only for adults but for everyone in the family. When you have a good foundation of financial literacy, you will have a [...]
Five Tips for Tackling Your Bad Spending Habits
Five Tips for Tackling Your Bad Spending Habits Improving spending habits can help you work toward financial stability and security All of us have bad spending habits that we would like to change in [...]
Riches to Rags: Poor Money Choices of 5 Celebs
Riches to Rags: Poor Money Choices of 5 Celebs An increase in assets doesn’t come with an increase in financial acumen. Financial Literacy Month is a great time for us all to expand our knowledge. [...]
April is National Financial Literacy Month
April is National Financial Literacy Month When was the last time you learned about anything financial? April is National Financial Literacy Month – an entire month dedicated to underscoring the importance of learning, establishing and [...]
Stepping Up to the Plate: Four Baseball Money Lessons
Stepping Up to the Plate: Four Baseball Money Lessons Baseball and financial management can have more in common than meets the eye. Below, we discuss four key lessons that investors—and everyone else—can learn from America's [...]
Answering Your Kids Toughest Money Questions
Answering Your Kids Toughest Money Questions Kids ask tough questions about money. It’s how they learn. As a parent, these are teachable moments that offer a chance to impart some financial wisdom to them. Start [...]
A Refresh for Your Finances
A Refresh for Your Finances When spring rolls around, your thoughts might turn to organizing your closets or giving your floors a good deep clean. But how much thought have you given to cleaning up [...]
Understanding Mutual Funds, Index Funds, and ETFs
Understanding Mutual Funds, Index Funds, and ETFs It’s common knowledge that investing in mutual funds, index funds, or exchange-traded funds (ETFs) can help build a diversified portfolio. These funds hold diverse baskets of securities, including [...]
Silicon Valley Bank Is the 2nd Largest Bank Failure
Silicon Valley Bank Is the 2nd Largest Bank Failure It will take some time, but the FDIC was designed for moments like this The FDIC-seizure of Silicon Valley Bank is the second-largest US bank failure [...]
Silicon Valley Bank (SVB) Info:
Silicon Valley Bank (SVB) Info: Financial markets were shaken last week as Silicon Valley Bank (SVB), the California bank subsidiary of SVB Financial Group (SIVB), fell into FDIC receivership. SVB is the first FDIC-insured institution [...]
Luck of the Investor: Making Your Own Luck on St. Patrick’s Day
Luck of the Investor: Making Your Own Luck on St. Patrick's Day As Samuel Goldwyn once said, "The harder I work…the luckier I get!" 1 But when it comes to investing, luck may play a huge [...]
6 Money Myths That Are Limiting Your Wealth
6 Money Myths That Are Limiting Your Wealth When people think of “myths,” they often think of such stories as Pandora’s Box (the woman who took the lid off of a jar releasing all of [...]
The Advantages of a Family Trust
The Advantages of a Family Trust Family trusts are an important tool for managing wealth across multiple generations. They can help you avoid the time-consuming and costly process of probate, keep your assets private, minimize [...]
A Beginner’s Guide to Investing
A Beginner’s Guide to Investing When you start to consider if investing is an appropriate option for you, you may have questions. You might want to ask: How do I invest money, and where? How [...]
5 Critical Financial Strategies for Physicians
As a physician, you understand your medical specialty inside and out, but at the same time, you also need to be able to handle the financial challenges associated with your industry. That may include juggling [...]
4 Ways to Be Your Own Financial Valentine
4 Ways to Be Your Own Financial Valentine Whether you're single, paired, or somewhere in between, Valentine's Day may present the perfect opportunity to show your bank account some love. Below are four tips and [...]
Kick off the Big Game With These 7 Super Investing Lessons From the Super Bowl
Kick off the Big Game With These 7 Super Investing Lessons From the Super Bowl The Super Bowl is more than just a game. It's an American holiday. As you prepare for this fun day, [...]
The Best Items to Help You Organize Your Finances and Important Documents
The Best Items to Help You Organize Your Finances and Important Documents The first step to improving your finances is to get organized. These top Amazon finds can help you create a monthly budget, plan [...]
3 Ways to Tackle Your Financial Goals
3 Ways to Tackle Your Financial Goals Though the New Year may bring with it a new opportunity to set and achieve financial goals, the thought of making sweeping changes to your budget and [...]
Your Financial Fresh Start: 12 Resolutions in 12 Months
Your Financial Fresh Start: 12 Resolutions in 12 Months Change may be difficult, especially when you try to change your financial habits. The process might be easier if you take an incremental approach. Do you [...]
A Path to Setting and Reaching Your 2023 Goals
A Path to Setting and Reaching Your 2023 Goals What if you focused on your system instead of just your goals? Setting goals for a new year can feel overwhelming. We all know that resolutions [...]
New Year, New Goals: Your Countdown to Financial Health
New Year, New Goals: Your Countdown to Financial Health For many people, a new year provides a new start—and nothing says "new start" like a fresh new set of financial goals. But setting these goals is easier [...]
Countdown To Investing in the New Year: 10 Questions To Ask Yourself
Countdown To Investing in the New Year: 10 Questions To Ask Yourself If one of your New Year's resolutions involves enhancing and expanding your investment portfolio, look no further. In a true New Year's Eve countdown [...]
Doing Good, Feeling Good: Ways to Give Back
Doing Good, Feeling Good: Ways to Give Back We all know the feeling of giving a gift so special and perfect that it’s better than any gift you could ever receive. There is something inherently [...]
A Retirement Countdown Checklist: 5 Steps to Consider Before Retirement
A Retirement Countdown Checklist: 5 Steps to Consider Before Retirement Whether you're hoping to retire soon or are just beginning to explore the idea of stepping back from your job, you're probably wondering how to [...]
Growth Stocks vs. Value Stocks
Growth Stocks vs. Value Stocks Stock investing is an important engine of growth in your portfolio, but deciding on an investing strategy and particular stocks can be challenging. When designing a diversified portfolio that [...]
Get to Know Your Risk Tolerance
Get to Know Your Risk Tolerance When constructing a portfolio, it’s critical to understand three important factors: your goals, your time horizon, and your risk tolerance. Of those three, risk tolerance can be the trickiest [...]
The Advantages of a Family Trust
The Advantages of a Family Trust Family trusts are an important tool for managing wealth across multiple generations. They can help you avoid the time-consuming and costly process of probate, keep your assets private, [...]
Understanding Mutual Funds, Index Funds, and ETFs
Understanding Mutual Funds, Index Funds, and ETFs It’s common knowledge that investing in mutual funds, index funds, or exchange-traded funds (ETFs) can help build a diversified portfolio. These funds hold diverse baskets of securities, [...]
An Introduction to Bond Ladders
An Introduction to Bond Ladders Bonds play an important role in a diverse investment portfolio. As fixed-income securities, they can provide a stable return until they mature. As with any investment, bonds are subject to [...]
Family Wealth Transfer Planning: Keeping It In The Family Through Generational Giving
Family Wealth Transfer Planning: Keeping It In The Family Through Generational Giving What is family wealth, and how do you preserve it? You have worked hard for years and accumulated wealth. You earned this money [...]
Giving Tuesday: A Global Day for Giving Back
Consider whether a donor-advised fund can help build a more generous world November brings us Thanksgiving – a day for simply giving thanks. The 11th month also brings us Black Friday and Cyber Monday – [...]
Year-End Charitable Giving
With the holiday season upon us and the end of the year approaching, we pause to give thanks for our blessings and the people in our lives. It is also a time when charitable giving [...]
A Guide to Incorporating Philanthropy into Your Financial Planning
A Guide to Incorporating Philanthropy into Your Financial Planning If you're considering giving back to society or a cause as part of your financial planning, there are many ways you can do so. You can [...]
A Year-End Wealth Planning Guide
As we approach the end of the year, you may want to review areas that may impact your wealth and estate planning next year. In this year-end planning guide, we examine four critical areas to [...]
Your 2022 Year-End Planning Checklist
Your 2022 Year-End Planning Checklist It may be easy to forget we're nearing the end of the year. Even during the busy end of year rush, it's a good time to reevaluate your 2022 finances [...]
Kick-Starting Your Retirement with a 401(k) Plan
Kick-Starting Your Retirement with a 401(k) Plan Take control of your retirement planning with a defined contribution plan The 401(k) pension plan, named after that section of the Internal Revenue Service Code that created it, [...]
8 Things Financial Planning Can Help You Address
8 Things Financial Planning Can Help You Address Financial planning is unique for each person; no two financial plans look the same because everyone's life and personal goals are different. Regardless of what your goals [...]
A Fall Financial Checklist
A Fall Financial Checklist For many, autumn is the best time of year. The return of cool breezes, comforting foods, and pumpkins can be invigorating. It’s also a bookmark of sorts, especially for your finances—a [...]
Everything You Need to Know About FAFSA
Everything You Need to Know About FAFSA Each year, the U.S. Department of Education distributes more than $150 billion in grants, loans, and work-study awards to millions of college students. With these financial aid programs, [...]
Market Update: Better Times Ahead
In the last several weeks, we have continued to face elevated uncertainty in financial markets due to high inflation and rising interest rates, and we thought it was an important time to take stock with [...]
Inflation Reduction Act: What You Should Know
Inflation Reduction Act: What You Should Know The Inflation Reduction Act, signed into law on August 16, 2022, includes health-care and energy-related provisions, a new corporate alternative minimum tax, and an excise [...]
Planning a Family – Get to Know Your Health Insurance Policy
Planning a Family - Get to Know Your Health Insurance Policy Congratulations! You've decided to start a family. Up until now, your health insurance has probably been adequate, paying for routine doctor [...]
5 Tips for Navigating Medicare in Retirement
5 Tips for Navigating Medicare in Retirement One of the main concerns about retirement is health care. As healthcare costs continue to rise, medical bills may quickly derail your retirement plan. The [...]
Should Investors Care at All When a Stock Splits?
Should Investors Care at All When a Stock Splits? The summer of 2022 could be known as the Summer of Stock Splits, as several high-profile companies have either split their stock or [...]
Back to School for College Kids
Back to School for College Kids Many college students are looking forward to getting back to campus to continue their higher education and resume their normal life post-pandemic. Whether you're a first-year [...]
Growth vs. Value – What’s the Difference
Growth vs. Value - What's the Difference With the wide variety of stocks in the market, figuring out which ones you want to invest in can be a challenging task. Many investors [...]
August Update: Big Week for Market Watchers
August Update: Big Week for Market Watchers 8/3/2022 Dear Valued Investor, Last week was epic for market-watchers. A Federal Reserve (Fed) rate hike, a much-anticipated gross domestic product (GDP) report, and the [...]
2 Ways for Nurses to Take Control of Their Finances
2 Ways for Nurses to Take Control of Their Finances Being a nurse comes with a lot of responsibility alongside a sense of pride in knowing that you are helping others. But [...]
Social Wellness-What is It and Why is it Important
Social Wellness: What is It and Why is it Important? Social wellness refers to the relationships you have and how you interact with others. It involves building and maintaining positive, supportive relationships [...]
Financial Freedom vs. Financial Independence: Key Differences and How to Work Towards Both
Financial Freedom vs. Financial Independence: Key Differences and How to Work Towards Both Working towards financial independence can often be a lifelong process. But for many, financial freedom may come far sooner—and [...]
The Simple Life – 3 Tips for Simplifying Your Financial Life
The Simple Life: 3 Tips for Simplifying Your Financial Life If you sometimes feel like your financial life has too many moving parts, you may be looking for ways to get back [...]
Understanding the FIRE Movement
Understanding the FIRE Movement Financial Independence / Retire Early – Is it suitable for you? There has been a lot of chatter about the FIRE movement – Financial Independence / Retire Early [...]
Nurses and Insurance Considerations
Nurses and Insurance Considerations Being a nurse comes with many challenges, both in their profession and everyday life. Nurses should consider their need for insurance a bit more carefully than some other [...]
Are You Maximizing 401K Contributions?
Are You Maximizing 401(k) Contributions? The more money that you can save when you are working, the easier it should be for you to retire and enjoy your golden years. Unfortunately, Social [...]
A Bear Market is Officially Here
A Bear Market is Officially Here Dear Valued Investor, A bear market is officially here thanks largely to stubbornly high inflation. For many of us, it has probably felt like a bear [...]
5 Things That May Slow the Housing Market in 2022
5 Things That May Slow the Housing Market in 2022 If you're in the market for a new home in 2022, you may be wondering if the housing market boom will continue [...]
Congratulations Graduates-What are your next steps financially?
Congratulations Graduates-What are your next steps financially? Summer weather has begun (in many places), and graduation time has arrived. Across the country, students are finishing their high school, college, and even graduate [...]
6 Self-Care Strategies for Nurses
6 Self-Care Strategies for Nurses With the pandemic causing staffing shortages and full hospitals, many nurses work multiple shifts for days without a break. It may come as no surprise that nurse [...]
Helping the High School Graduating Class of 2022
Helping the High School Graduating Class of 2022 Remember HIPPA kicks in now that your senior is considered an adult The spring ritual of high school graduations is here. But graduates and [...]
Understanding the Roth 401k vs. Traditional
Understanding the Roth 401k vs Traditional Unbeknownst to many investors, companies have the option of offering their employees a new different type of tax-advantaged retirement plan: the Roth 401(k). Not all sponsors [...]
How 529 College Plans Impact Financial Aid
How 529 College Plans Impact Financial Aid If you are worried about being able to afford college costs for your children or teens, a 529 education plan might be one way to [...]
The Basics of the 401k – Thoughts from a Financial Professional
The Basics of the 401k - Thoughts from a Financial Professional Most often, the first question a prospective employee will ask is about your company’s benefit program. And in my experience, the [...]
April Showers Bring May Flowers
Dear Valued Investor, As we move into spring and leave behind the last signs of a long winter, many worries from a chilly start to the year for markets, unfortunately, are still [...]
An Attractive Entry Point
April 28th - An Attractive Entry Point Dear Valued Client, It has been a turbulent 2022 so far for investors. The S&P 500 Index is on track for its worst April in [...]
Estate Planning for Everyone
Estate Planning for Everyone Have you every wondered how estate planning might fit into your overall, future plans? Even if you are just starting to build your estate and do not need [...]
Crossing the Bridge to a Satisfying Retirement
Crossing the Bridge to a Satisfying Retirement One of the more important—and hopefully enjoyable—events you will face in life is retirement. After spending many years building your career, you have likely accumulated [...]
The Great Resignation
The Great Resignation Whether it is the prevalence of hiring signs throughout the country or the changes in business hours due to lack of staff, the ever-evolving workforce is becoming more and [...]
3 Moments in Life Where You Should Consider Consulting a Financial Professional
3 Moments in Life Where You Should Consider Consulting a Financial Professional If you've ever wondered why so many lottery winners (an estimated 70 percent) seem to blow through all their winnings [...]
What Dentists Should Know About Retirement Planning
What Dentists Should Know About Retirement Planning The average dentist doesn't retire until nearly age 70—around 7 years later than the national average retirement age.1 Though the dental profession can be a [...]
A Guide to Retirement Planning for Doctors
A Guide to Retirement Planning for Doctors Working in medicine may be challenging, especially with the strain placed on health care professionals throughout the COVID-19 pandemic. Working towards a comfortable early retirement [...]
401(k) Rollover Options to Consider
401(k) Rollover Options to Consider When people are leaving their employer, one of the decisions they need to make is what to do with their 401(k). A retirement plan participant typically has [...]
Making the Most of Your Relationship with a Financial Professional
Making the Most of Your Relationship with a Financial Professional Heading to your first meeting with a new financial professional may be a lot like going on a blind date. Can you [...]
Why You Should Not Take Early Retirement Withdrawals
Why You Should Not Take Early Retirement Withdrawals When money gets tight, it can be tempting to think about your retirement accounts as a potential source of financial help. However, an early [...]
February Client Letter: Stock’s Road Ahead
Stock's Road Ahead February 3, 2022 Dear Valued Investor: The calendar had barely flipped to 2022 and investors were reminded that even attractive long-term stock returns come with a cost: volatility. The [...]
Valentine’s Day Ideas for Every Relationship Stage
Valentine’s Day Ideas for Every Relationship Stage Whether you have been together five months or five years, here are the best date ideas for you and your special someone [...]
3 Tax Strategies Every Doctor Should Consider
3 Tax Strategies Every Doctor Should Consider Being a doctor comes with a lot of stressors, but planning for taxes should not be one of them. As a doctor, [...]
January 2022 Letter to Clients
A Letter To Our Clients January 25th, 2022 Dear Valued Investor, Stocks have gotten off to a tough start in 2022. Why has the market pulled back and [...]
Financial Insider: Pros and Cons: Should You Take A Gap Year?
Financial Insider: Pros and Cons: Should You Take a Gap Year? Preparation to pay the lowest possible amount of money for college and get the maximum return on that investment [...]
Don’t Panic It’s Just an Email
Don't Panic! It's Just an Email. After your student applies to college, emails are sent from admissions and financial aid. Many seem vague, and result in causing parents confusion [...]
Which College Majors Pay Off and From Which Colleges?
Which College Majors Pay Off and From Which Colleges? If students knew that one major results in higher salaries than others-- or that graduates from one university earn more [...]
Corporate Wellness Perks to Look Out For
Corporate Wellness Perks to Look Out For The competition is higher than ever before for hard-working employees at companies across the United States, which has given rise to [...]
Why Is Home Buying a Key Personal Investment?
Why Is Home Buying a Key Personal Investment? It is considered a truism that owning a home is a better financial option than renting. After all, the logic [...]
Five Wealth-Building New Year’s Resolutions
Five Wealth-Building New Year’s Resolutions At the beginning of each year, and regularly after that, it may be a wise idea to take stock of finances and make [...]
New Year, New Goals: Your Countdown to Financial Health
New Year, New Goals: Your Countdown to Financial Health For many people, a new year provides a new start—and nothing says "new start" like a fresh new set [...]
Tips On Growing Wealth
Tips On Growing Wealth Having money is not enough, but learning the habits, behaviors, and rules that can make you grow your money, so you do not later [...]
6 Things To Do Before You Go Away For the Holidays
6 Things To Do Before You Go Away For the Holidays The holidays are a hectic time for traveling, and any homeowner might be understandably uneasy about leaving [...]
Understanding Charitable Giving
Understanding Charitable Giving Charitable giving is a great way to support your community, make an impact, or leave a legacy while receiving tax benefits for giving. If you [...]
RMD Roundup: A Few Key Updates About Required Minimum Distributions
RMD Roundup: A Few Key Updates About Required Minimum Distributions As we approach the end of 2021, now might be a good time to take a closer look [...]
Holiday Shopping: Back to Basics
Holiday Shopping: Back to Basics In 2020, we experienced a holiday season like no other. Because of COVID-19, we had to adjust our gatherings, our plans, and even [...]
5 Tips for Shopping on Small Business Saturday
5 Tips for Shopping on Small Business Saturday There’s no question that November and December are the biggest times of year for shopping. But this year, it’s more [...]
Thanks and Giving: How You Make a Difference on Giving Tuesday
Thanks and Giving: How You Make a Difference on Giving Tuesday Giving Tuesday is a day to extend the goodwill that the holiday season may bring to help [...]
Cultivating a “Small Business Edge”
Cultivating a “Small Business Edge” Entrepreneurs may entertain thoughts of achieving success, inspired by those companies that seem to spring forth fully grown overnight. But, it is important [...]
Can You Spot the Scam? Common Financial Fraud Warning Signs
Can You Spot the Scam? Common Financial Fraud Warning Signs Many people are familiar with the scammers who promise to pay millions of dollars in exchange for briefly [...]
Your 2021 Year-End Planning Checklist
Your 2021 Year-End Planning Checklist Extra Coverage and Peace It may be easy to forget we're nearing the end of the year. Even during the busy end of [...]
Resources for Women-Owned Small Businesses
Resources for Women-Owned Small Businesses Small businesses face many problems related to their size, capital, and capability, and for women-owned small businesses, the challenge is sometimes even greater. [...]
Protecting Your Financial Information Online
Protecting Your Financial Information Online More consumers are conducting financial transactions online and may become vulnerable to tracking, hacking, identity theft, phishing scams, and other cyberspace risks. While [...]
Alternative Savings Options: When You Already Have A Knack for Budgeting and Saving
Alternative Savings Options: When You Already Have A Knack for Budgeting and Saving If you've moved beyond basic financial advice—live below your means and set aside funds for [...]
Financial Planning at Every Age
Financial Planning at Every Age In 2013, a Gallup poll found that only about one in every three U.S. households maintained a budget.1 A 2021 survey of 1,000 [...]
Treating Yourself Can Be Beneficial to Pursuing Your Financial Goals
Treating Yourself Can Be Beneficial to Pursuing Your Financial Goals Have you ever made a purchase that has thrown your monthly budget off-kilter? Or maybe you’ve put financial [...]
American Business Women’s Day
American Business Women's Day September 22nd is American Business Women's Day, and it may be the perfect day to celebrate women who have surpassed the glass ceiling and [...]
Financial Considerations for Working Parents
Financial Considerations for Working Parents Nine of every 10 U.S. families with children have at least one working parent.1 Though working parents make up one of the largest [...]
The Importance of Charitable Giving
The Importance of Charitable Giving Charitable giving is a term often heard around the holidays, or in some cases, around tax season. Nonprofit charitable organizations often rely on [...]
What’s the value of a clean beach? Here’s how economists do the numbers
What’s the value of a clean beach? Here’s how economists do the numbers. Millions of Americans head outdoors in the summer, whether for a day at a nearby [...]
Federal Student Loan Interest Rates Set to Increase for 2021-2022
Federal Student Loan Interest Rates Set to Increase for 2021-2022 After two years of decreases, interest rates on federal student loans are set to increase almost a full [...]
What Can A Financial Professional Do for Non-Profits?
What Can A Financial Professional Do for Non-Profits? As of 2017, about two-thirds of all nonprofit organizations in the U.S. had annual budgets of less than $1 million.[1] For these [...]
Applying for Left-Handed Scholarships (Left-Handers Day)
Applying for Left-Handed Scholarships (Left-Handers Day) August 13th is Left-Handers Day[1], and what better way to celebrate than to learn more about some of the unique scholarship opportunities [...]
Starting a Business with a Friend: Do’s and Don’ts
Starting a Business with a Friend: Do’s and Don’ts It is estimated that about 40 percent of business founders were friends before they became business partners.[1] But while [...]
Taxpayer Appreciation Day—Recognizing Taxpayers’ Contributions
Taxpayer Appreciation Day Recognizing Taxpayers' Contributions Though U.S. taxpayers received an extra month to file and pay their federal income taxes in 2021, some are still smarting from [...]
How much inflation can the country afford before we’re in trouble?
How much inflation can the country afford before we’re in trouble? Let’s discuss. First, let’s get on the same page about some basics: If you’ve noticed the price [...]
4 Ways to Celebrate World Nature Conservation Day
4 Ways to Celebrate World Nature Conservation Day World Nature Conservation day is fast approaching. July 28th is a day when we acknowledge the importance of conservation to [...]
The Crazy Cost of the Olympic Games
The Crazy Cost of the Olympic Games Since the first modern Olympic games in 1896, the competition has been a prestigious honor for the hosting country, but also [...]
Indefinitely Working From Home? Use This Opportunity to Save Money
Indefinitely Working From Home? Use This Opportunity to Save Money Your savings might not stem from tax breaks, but rather from other financial benefits. You won’t be spending money on [...]
Rethinking Social Wellness for Your Employees
Rethinking Social Wellness for Your Employees Corporate wellness programs have been key tools in improving productivity, employee retention, and creating a more desirable corporate culture. While many companies [...]
Investing in Your Vacation
Investing in Your Vacation Why do most avoid this important investment? Why do so many of us not use our vacation days? Salespeople talk about “leaving money on [...]
How Small Businesses Can Stay Competitive
How Small Businesses Can Stay Competitive Launching a small business can be an all-consuming prospect. Even after you start to feel as though you have gotten into a [...]
Umbrella Policies: Extra Coverage and Peace
Umbrella Policies: Extra Coverage and Peace Additional insurance to protect your assets and future Why doesn’t anyone ever tell you not to buy an umbrella liability policy? It [...]
More Money, More Responsibility and Strategic Financial Decisions
More Money, More Responsibility and Strategic Financial Decisions Strategic financial planning is important for everyone but especially for high-income earners that have their compensation tied directly to the [...]
Physicians: Why You Need a Financial Professional Who Understands Your Industry
Physicians: Why You Need a Financial Professional Who Understands Your Industry As a physician, you've devoted a lot of time to educating yourself, building a career, and providing [...]
Maintaining the Investment You Made in Your Home
Maintaining the Investment You Made in Your Home For many Americans, the home is the single biggest purchase made during their lifetime.[1] As a result, it's important to [...]
Caregiving: A Decision That May Impact Your Retirement Savings
Caregiving: A Decision That May Impact Your Retirement Savings Many women have been a caregiver while raising children. Still, now many are caring for a loved one out [...]
What Newlyweds Should Know About Merging and Managing Finances
What Newlyweds Should Know About Merging and Managing Finances Many newlyweds can't imagine letting something like money get into the way of their marital happiness. However, around [...]
Retirement Planning: To Roth or Not to Roth?
Retirement Planning: To Roth or Not to Roth? When saving for retirement, it often makes sense to contribute to employer-sponsored retirement plans to take advantage of any [...]
How to Stay Committed to Your Financial Goals
How to Stay Committed to Your Financial Goals Setting healthy financial goals is critical. Even more important is staying committed to those financial goals. Keeping yourself committed to your [...]
5 Investment Considerations for Small Business Owners
5 Investment Considerations for Small Business Owners If you're a small business owner, many of the best practices employed by individual investors are also available to you (of [...]
Tips for Preventing Fraud
Tips for Preventing Fraud Cybercrime and fraud are serious threats and constant vigilance is key. While Providence Wealth Planning plays an important role in helping protect your assets, you [...]
Begin Investing While Young
Begin Investing While Young There’s a simple word that has profound implications for savings and investing: compounding. Like a snowball that grows as it rolls down a hill, [...]
Investing for the Future
Investing for the Future For years, you’ve diligently invested in your retirement portfolio, accumulating wealth that you hope will sustain you throughout your Golden Years. To help see [...]
Corporate Wellness Perks to Look Out For
Corporate Wellness Perks to Look Out For The competition is higher than ever before for hard-working employees at companies across the United States, which has given rise to [...]
Outlook 2021
Outlook 2021 December 3, 2020 Dear Valued Investor: As 2020 comes to a close, we are already looking forward to a new year—and to a world very different [...]
IRA 101: Know the Facts
IRA 101: Know the Facts Individual retirement accounts (IRAs) are one of the most common assets people rely on to save and invest for retirement. In fact, more [...]
Leaving the Company? Know Your Retirement Plan Options
Leaving the Company? Know Your Retirement Plan Options Your retirement plan may offer you several options for managing your retirement plan assets when you change jobs or retire. [...]
October 1, 2020
A Letter To Our Clients October 1, 2020 Dear Valued Investor: Autumn has arrived, with students back in school, baseball playoffs beginning, and football in full swing. Life [...]
Budgeting for Baby
Budgeting for Baby Starting a family is truly one of life's most fulfilling experiences. Unfortunately, it can also be among the most expensive. Many parents could spend more [...]
Tap into the Power Nap
Tap into the Power Nap Tap into the Power Nap A short snooze can help get you through a tough day With all the fear, uncertainty and [...]
Forward Thinking
Forward Thinking Forward Thinking Five ways to keep moving forward in the age of social distancing Activities that people used to take for granted have changed in [...]
June 30, 2020
A Letter To Our Clients June 30, 2020 Dear Valued Investor: The July Fourth holiday will be very different this year. Although it’s a time to enjoy family [...]
Proper Financial Planning: Critical for Women
Proper Financial Planning: Critical for Women A key goal of investing for retirement is making sure you save enough to make your money last throughout your lifetime. On [...]
June 4, 2020
A Letter To Our Clients June 4, 2020 Dear Valued Investor: As we look ahead to the summer months, we can’t help but think what a challenging year [...]
May 21, 2020
A Letter To Our Clients May 21, 2020 Dear Valued Investor: “Never confuse a single defeat with a final defeat.” — F. Scott Fitzgerald The economic struggles in [...]
Estimating Your Social Security Benefits
Estimating Your Social Security Benefits The Social Security Administration (SSA) now has an online option (called my Social Security) for receiving annual benefit statements -- however, if you [...]
A Plan to Reduce Credit Card Debt
A Plan to Reduce Credit Card Debt If you are contributing to a staggering sum of outstanding credit card debt in America, you need to start digging your [...]
April 2, 2020
A Letter To Our Clients April 2, 2020 Dear Valued Investor: “Every decade or so, dark clouds will fill the economic skies, and they will briefly rain gold. [...]
March 18, 2020
A Letter To Our Clients March 18, 2020 Dear Valued Investor: Our everyday lives have changed dramatically over the last few weeks as we work together to minimize [...]
What Should You Do About The Coronavirus And Stock Market Volatility?
What Should You Do About The Coronavirus And Stock Market Volatility? View Article: EWhat Should You Do About The Coronavirus And Stock Market Volatility? (PDF) [...]
The Risks of Market Timing
The Risks of Market Timing "Market timing" is the strategy of trying to predict when stock prices will rise and fall and attempting to buy low and sell [...]
February 28, 2020
A Letter To Our Clients February 28, 2020 Dear Valued Investor: “The stock market takes an escalator up, and an elevator down,” is a classic Wall Street saying. [...]
February 6, 2020
A Letter To Our Clients February 6, 2020Dear Valued Investor:The start of 2020 has brought increased stock market volatility. The uncharacteristically calm market environment we experienced for much of the [...]
Wealth Building Strategies While Raising a Family
Wealth Building Strategies While Raising a Family Raising a family is rewarding─and expensive. Consider taking these steps to support your family financially through a program of smart investing. [...]
December 3, 2019
A Letter To Our Clients December 3, 2019 Dear Valued Investor: Hindsight is 20/20, but finding clarity in future uncertainty can be fuzzy. 2019 has been a very [...]
November 7, 2019
A Letter To Our Clients November 7, 2019 Dear Valued Investor: Turning the calendar from October to November brought more than trick-or-treaters, pumpkins, and leaves to rake. It [...]
2019 Plan Comparison
2019 Plan Comparison View Article: 2019 Plan Comparison (PDF)
Estates and Trusts Overview
Estates and Trusts Overview View Article: Estates and Trusts Overview (PDF)
Estate Planning Checklist
Estate Planning Checklist Because you've worked hard to create a secure and comfortable lifestyle for your family and loved ones, you'll want to ensure that you have a [...]
October 3, 2019
A Letter To Our Clients October 3, 2019 Dear Valued Investor: Summer has turned to fall, and there’s already a little chill in the air. Three-quarters of the [...]
September 4, 2019
A Letter To Our Clients September 4, 2019 Dear Valued Investor: The Dog Days of Summer were on full display this past month, as a variety of concerns [...]
Volunteer Vacations
Volunteer Vacations They could be among the most memorable journeys you take. Travel with a difference: the essence of the volunteer vacation. You take the trip, you help [...]
Plan Ahead to Ease Travel Headaches
Plan Ahead to Ease Travel Headaches Waiting in a winding airport security checkpoint line is just one of many potential headaches today's travelers experience. In order to help [...]
529 Plans: Taking Distributions
529 Plans: Taking Distributions Parents looking to take advantage of the many benefits of a 529 plan will want to know the full details on which educational expenses [...]
401(k) Decisions — You Can Take It With You
401(k) Decisions -- You Can Take It With You If you are preparing to change jobs, do you know what your choices are for managing the money in [...]
August 1, 2019
A Letter To Our Clients August 1, 2019 Dear Valued Investor: This summer has been interesting. Thus far, temperatures have been at a maximum for much of the [...]
How to Focus on What Really Matters in the Markets
How to Focus on What Really Matters in the Markets The LPL Research Midyear Outlook 2019: FUNDAMENTAL: How to Focus on What Really Matters in the Markets is [...]
Keep Your Head in the Game: Avoiding Mental Errors When You Invest
Keep Your Head in the Game: Avoiding Mental Errors When You Invest In the sports world, a mental error can cost your team the big game. When you are investing, [...]
June 6, 2019
A Letter To Our Clients June 6, 2019 Dear Valued Investor: Trade tensions have interrupted an unusually calm year in U.S. stocks. In May, the S&P 500 Index [...]
Recognizing and Avoiding Online Scams
Recognizing and Avoiding Online Scams According to the Identity Theft Resource Center, the number of U.S. data breaches hit a new high in 2017. Nearly 20% of breaches [...]
April 4, 2019
A Letter To Our Clients April 4, 2019 Dear Valued Investor: April brings showers, baseball, and historically, the best month of the year for the S&P 500 Index [...]
A Financial Plan for All Seasons
A Financial Plan for All Seasons Grab your sunglasses -- spring's here, and it's time to kick back and relax. If only it were that easy. It would [...]
March 7, 2019
A Letter To Our Clients March 7, 2019 Dear Valued Investor: The S&P 500 Index has staged an impressive rally after nearly entering a bear market December 24, [...]
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