What secure 2.0 act provisions are happening this year?
After passing in December, the SECURE 2.0 Act of 2022 will be changing the way Americans save for years to come, with new provisions coming into effect over the next decade....Read More
How should you approach retirement in a high-interest rate environment?
When interest rates rise, the bond market reacts — which makes this a good time to review your retirement position. Investment advisors are looking at something that hasn’t happened in the last 24 years. For the first time...Read More
Financial Planning Yearly Checklist: Your Roadmap to Pursuing Your Goals
Nothing stays the same. Every year, there are typically changes in the economy, markets, and IRS rules. On top of these external changes that happen around us, many of us face changes within our families or businesses in our needs,...Read More
Market Cycles and Your Investments
Markets can seem chaotic, but learning to identify the cycles of change can help you keep your head on straight and your portfolio healthy. Although you may be familiar with the cycle of bear and bull markets, there’s a lot...Read More
How Higher Interest Rates Can Impact Your Family
The Federal Reserve (Fed) has made significant interest rate hikes in 2022 in an effort to combat record-high inflation. And analysts expect even more increases before the year is over. It is estimated the median federal funds rate...Read More
Summer is the Perfect Time for a Financial Checkup
The end of the year may be too late to make some key money moves.During the pandemic, many Americans struggled to maintain financial balance, let alone stay on track towards any retirement goals they may have had. According to a recent...Read More
Not “That ‘70s Show”
Are we experiencing a repeat of economic challenges from the 1970s?You have likely seen a lot of media coverage on inflation rates and the rollercoaster ride the markets have been on lately. It appears as though our economy is...Read More
Managing risk in portfolio allocation
Managing risk is at the core of what we do for our clients. Portfolio design and management addresses the investor’s unique investment needs and yet also aligns with their specific risk tolerance.As investment managers, we...Read More
What’s the Biggest Risk in Retirement? Running Out of Money…
Did you know that 70% of Americans fear outliving their money in retirement more than death itself?(1) You may not think about it while you’re working and getting a paycheck, but things will change fast when you have to survive...Read More
Why you should expect a smaller tax refund this year…
The flood of federal pandemic-relief money was welcome last year. But this year, many are feeling a lot of anxiety, disappointment, and confusion as taxpayers prepare their 2021 returns. Many people depend on the cash to make ends meet...Read More
401(k) FAQs for Employers
Establishing a 401(k) plan is a long-term commitment to your business and your employees. Planning, building, and managing a 401(k) plan involves many choices that can directly impact your employees’ financial security and...Read More
Don’t Forget Digital Assets as Part of Your Estate Plan
The importance of having a digital estate plan has grown exponentially over the past decade as technology continues to occupy our daily lives. This leads to the question: Who has access to my online accounts and how will those accounts...Read More
Understanding the Basics of Social Security
Deciding when to claim your Social Security benefits can cost or save you thousands of dollars. There are many factors that go into that decision. Here's a guide to everything from knowing your full retirement age (FRA) to taking...Read More
Do You Qualify for The Saver’s Credit?
The Saver's Credit, formerly known as the Retirement Savings Contributions Credit, provides some taxpayers with a special tax break. Qualified taxpayers can claim this credit for some of the income that is contributed to…Read More
The IRA Stretch Distribution Isn't Gone for Everyone
The Retirement Distribution Balancing Act
How to adjust to withdrawing income after a lifetime of building your savings. The transition from accumulation to distribution is an exciting, and peculiar, period of time. Many people are looking forward to their retirement but also...Read More
Time for an insurance review
Are you over or under insured? Insurance plans are not just for protecting your family and business assets in case something happens to you. They can also be used to create a fixed or variable income stream for you or a loved one....Read More
Should you consolidate your multiple retirement plans?
Some people roll their old 401(k) plans over to simplify life and reduce fees Individuals born towards the end of the baby boom generation (1957-64) held an average of 12 jobs from ages 18 to 52, according to the U.S. Bureau of Labor...Read More
Why choose a CFP® Professional?
While many financial advisors refer to themselves as a “financial planner” only those who have fulfilled certain rigorous training and requirements can call themselves a CERTIFIED FINANCIAL PLANNER™ professional...Read More
How a Retirement Plan Can Increase Employee Satisfaction
The benefits to your business are compounded by the impact you can have on your employees’ lives and productivity. Sponsoring a retirement plan and encouraging your employees to participate has a wide variety of benefits for you,...Read More
How to maximize your business’ 401(k) plan offering
A 401(k) is how most Americans save for retirement. If your business offers your employees a 401(k) plan then you already have an advantage over a company that doesn’t provide one. Why offer a 401(k)?Are you taking full advantage of...Read More