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Thursday, April 18, 2024

Once you complete this year’s taxes, you may wonder what to do with that pile of records, 1099s, receipts, and bank statements. The IRS recommends holding on to any documents related to the income you’re reporting or any deduction or...

 

Thursday, April 4, 2024

The pandemic changed the way a lot of Americans work, and working remotely from home is the new normal for many. If you’re one of them, you may be wondering if you should consider claiming the home office deduction on your taxes. We...

 

Thursday, March 28, 2024

If you dream of your financial legacy leaving a lasting impact on the world, there's a way you can make a difference. You can use your Required Minimum Distribution (RMD) to make charitable donations, a strategy that could benefit...

 

Thursday, March 14, 2024

As technology has become more and more advanced, it’s created opportunities to provide better communication and service to clients. Many clients have asked for an easier way to access financial information and we're excited to...

 

Thursday, February 22, 2024

Fewer things are more reliable than Tax Day, even if the deadline has shifted around a bit in recent years. This year, it’s April 15th for most taxpayers, and recent legislation changes include substantial increases to...

 

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Thursday, February 8, 2024

The pandemic has changed the way a lot of Americans work. Working remotely from home is the new normal for many. If you’re one of them, you may have wondered if you should consider claiming the home office deduction on your...

 

Thursday, January 25, 2024

Did you know that hobbies can help you live a longer and more fulfilled life? Many scientific studies have found that having a hobby can improve your physical and mental health, keep you sharp on the job, and help your relationships....

 

Thursday, January 11, 2024

Are you waiting to invest until you have more funds to work with? Don’t wait! The size of your portfolio 20, 30, or 40 years from now won’t reflect the dollar amount you start with today; rather, it will almost...

 

Thursday, December 21, 2023

The holidays are upon us which means the inevitable increased spending on gifts, travel and festive activities. While it’s nearly impossible not to spend more during these next few weeks, the less credit card debt accumulated...

 

Thursday, December 7, 2023

Making charitable contributions is a great way to help people in need while maximizing tax benefits, creating a win-win. Donations to qualified 501(c)(3) organizations can shrink taxable income, saving hard-earned cash.  Here are...

 

Thursday, November 23, 2023

The end of the year is approaching, and as a taxpayer, you can make some last-minute moves to improve your financial position come tax time. By making tax-free donations or contributions to retirement accounts, you can shrink your...

 

Thursday, November 9, 2023

During our working years, many of us have access to an employer-sponsored health insurance plan either through our job or our spouse's job. But when it comes to retirement, we typically rely on Medicare and Medicare supplemental...

 

Thursday, October 26, 2023

Turning 65 is the trigger point for most Americans to enroll in Medicare. This milestone birthday sets the stage for your initial enrollment period (IEP), during which you can sign up. Therefore, you need to be aware of dates and...

 

Thursday, October 12, 2023

Keeping your PII (personally identifiable information) safe in today’s online environment is more challenging than ever. There may not be one simple solution for protecting your digital identity, but there are steps you can take...

 

Thursday, September 28, 2023

Wall Street is slowly starting to talk about an “expansion economy” and forgetting about any recession fears. July’s consumer inflation report was soft, so attention will soon shift to gross domestic product in the...

 

Thursday, September 14, 2023

It’s football season. School is back in session, the days are getting shorter, and the weather is starting to turn. If you sit down to watch your alma mater play, your “to-do” list may grow. Your car may only have...

 

Thursday, August 24, 2023

Medicare can be complicated to sort through; many options and choices are available to suit different needs. To make it simpler, the program has been broken down into four basic parts. As you think about how Medicare will cover your...

 

Thursday, August 10, 2023

The Federal Reserve has a dual mandate—manage inflation and maximize employment. But sometimes, those economic goals conflict with each other. As you can see in the accompanying chart, labor shortages in 2022 pressured...

 

Thursday, July 27, 2023

With summertime fun in full swing and temperatures rising, OPEC+ has announced broad measures to boost flagging oil prices.Saudi Arabia plans to reduce July production to 9 million BPD (barrels per day). That's 1 million less than in...

 

Thursday, July 13, 2023

Market timing is exhausting. And sometimes, it can be expensive. When you time the markets, you have to be right twice – first when getting out and second when getting back in.In the accompanying chart, you can see individual...

 

Thursday, June 22, 2023

Inherited retirement accounts offer great financial opportunities to beneficiaries, but can be stressful due to the complicated risks associated with certain options. Knowing the basic differences of each option is just the tip of the...

 

Thursday, June 8, 2023

Keep Your Plan Assets SafeCyber fraud continues to be a global concern. Individuals are typically very careful to keep their bank account and email authentication information safe, but they aren’t always as diligent with the...

 

Thursday, May 25, 2023

If you are anticipating an annual bonus this year, it’s wise to come up with a thoughtful plan for the extra cash before it comes so you can get the most benefit from it. If you need more time to consider your options, deposit...

 

Thursday, May 11, 2023

A recent survey reported that 68% of parents had made financial sacrifices to support their adult children. It's often a difficult decision that can stress relationships, impact retirement strategies, and harm overall financial...

 

Thursday, April 27, 2023

About the U.S. Banking SystemWith recent headlines about two failed U.S. banks and their ripple effect throughout the banking sector, we want to summarize the latest information on this evolving event. We assure you we are monitoring...

 

Thursday, April 6, 2023

With each season of life, new milestones will impact your budget. However, when you enter your 30s and 40s, these milestones have a much heftier price tag. The sheer costs can be intimidating, whether it's a wedding, a new home, or...

 

Tuesday, March 28, 2023

Nowadays, it’s pretty difficult to define what a “traditional” family unit looks like – they literally come in all shapes and sizes. For decades, the number of single-parent households in the U.S. has been...

 

Thursday, March 9, 2023

It’s common for adult children to ask their parents for financial aid, even if you’ve worked hard to raise your kids to be self-sufficient. While it may be your instinct to want to help your child, you need to consider how...

 

Thursday, February 16, 2023

Tax time is upon us, and that means gathering all of your documents needed and getting them in one place to make filing your taxes as easy as possible. We thought it would be helpful to send along this handy checklist to assist with...

 

Thursday, February 2, 2023

January 30 to February 3, 2023, is Identity Theft Awareness Week. Anytime is a good time to tighten up your identity security, but if you haven’t been as careful as you intended, consider this your annual reminder. Here are a few...

 

Thursday, January 19, 2023

What does the bond market know that the Fed isn’t telling us?Fed officials recently have said that short-term rates will need to climb to over 5 percent to bring inflation under control. But in the table below, you can see that...

 

Thursday, January 5, 2023

While you probably already found your notice in the mail, you may be curious about the COLA increase happening for Social Security recipients in the New Year. Starting in January, beneficiaries will see an 8.7% increase to help offset...

 

Thursday, December 22, 2022

Investing in the stock market can sometimes feel like riding a rollercoaster, full of ups and downs. There’s the thrill and excitement when the market goes up, but also uncertainty and fear when it goes down. It’s important...

 

Thursday, December 8, 2022

As we age, one consideration that weighs on most people is the cost of healthcare in retirement. While we can’t truly predict the cost, we can take time to educate ourselves about the options or resources available to help pay...

 

Thursday, November 24, 2022

How well do you remember 1981? Harrison Ford had his first bow as Indiana Jones in Raiders of the Lost Ark. Frogger and Donkey Kong were all the rage at video arcades. Bob Ross left the Air Force and took up painting. On top of that,...

 

Thursday, November 10, 2022

We measure the jobs market in many ways, but the Job Opening and Labor Turnover Survey or JOLTS report seems to be of particular interest to Fed Chair Jerome Powell.The JOLTS report tells the Fed how many job openings there are each...

 

Thursday, October 20, 2022

If you’re like most people, you’ll do just about anything to protect your loved ones. Yet many of us fail to consider or prepare for the inevitability of death, which can result in heartache, frustration, and unnecessary...

 

Thursday, October 6, 2022

If you’re like most people, you don’t spend much time worrying about whether you’ll become a victim of financial fraud.  Unfortunately, this overconfidence can leave you vulnerable. While financial fraud is a...

 

Thursday, September 29, 2022

Life doesn’t stand still. Neither do your life insurance needs.If you have a quote or policy and haven’t reviewed it lately, you may be surprised to discover that what worked for you then may not not meet your needs now...

 

Thursday, September 15, 2022

Like many Americans, you may be feeling pain from the high cost of living every time you buy groceries or fill up at the pump. Surging food costs and higher gas prices are pinching consumers, especially those living on a fixed income....

 

Thursday, August 25, 2022

It’s natural to think “defense” during a bearish market season. But why not mix in some “offense” with your defense? Here are three moves we can discuss together that may be helpful during the current...

 

Thursday, August 11, 2022

If you’re like most investors, market volatility can really set you on edge. Especially if you’re concerned about how a deflated market might impact the income you’ll need during retirement. The idea of having a...

 

Thursday, July 21, 2022

Despite progress toward financial planning and saving, women often face challenges regarding their financial security. These challenges can include more time away from the workforce (often caring for children or for parents), the...

 

Thursday, July 7, 2022

It’s natural to think “defense” during a bearish market season. But why not mix in some “offense” with your defense? Here are three moves we can discuss together that may be helpful during the current...

 

Thursday, June 23, 2022

As you might have heard, people are talking about a big bump in Social Security benefits next year.The Senior Citizens League says payments could rise by as much as 8.6 percent in 2023, compared to an increase of 5.9 percent in 2022....

 

Thursday, June 9, 2022

Did you know that hobbies can help you live a longer and more fulfilled life? Many scientific studies have found that having a hobby can improve your physical and mental health, keep you sharp on the job, and help your relationships....

 

Thursday, May 19, 2022

 

Thursday, May 5, 2022

 

Wednesday, April 20, 2022

 

Wednesday, April 6, 2022

 

Wednesday, March 23, 2022

 

Wednesday, March 2, 2022

 

Wednesday, February 16, 2022

 

Wednesday, February 2, 2022

 

Thursday, January 20, 2022

We hope this email finds you and your family safe and healthy.There are many questions regarding COVID-19 surrounding how to stay safe, when we can expect to get back to normal life and short- and long-term economic impact of the...

 

Thursday, January 6, 2022

A confident consumer can be a powerful ally in an economy. But when the consumer starts to have questions, we can measure consumer confidence in everything from retail sales to home buying to the personal savings rate.In recent months...

 

Thursday, December 23, 2021

Whether you’re fully or partly retired, you may find that your assets are sufficient to cover your lifestyle for the remainder of your retirement. In that case, you may not feel like you need to use any additional money from...

 

Thursday, December 2, 2021

You see it in prices at the grocery store and the gas station. You feel it in your monthly budget. So why don’t the financial markets seem too concerned about inflation?Remember, financial markets are considered...

 

Thursday, October 7, 2021

Scammers are pretty crafty these days. With sophisticated software to help make themselves sound convincing (“You’ve won money!” “You owe the IRS!” “You’re getting a refund!”),...

 

Tuesday, March 30, 2021

If your like me, you don't whip out your phone to pay for your gas, groceries or even a candy bar. You pull out your wallet, and not to get out the debit or credit card. I hand over the cash. My credit card has been hacked more than...

 

Tuesday, November 10, 2020

Preparing for retirement is complex for many reasons. With improved medical care, a person retiring today at typical retirement age may need their savings to last 30 years or more, making it necessary for retirement funds to sustain a...

 

Tuesday, November 3, 2020

One of the biggest decisions to make in retirement is ensuring you have the health care coverage you need, when you need it. Medicare can be a complicated program to navigate and as you approach the time in which you can begin...

 

Thursday, October 15, 2020

As the struggle to control COVID-19 drags on, many of us experience periodic fatigue from distancing, negative headlines and future uncertainties. Staying disciplined when weary is difficult but crucial to short-term financial...

 

Thursday, October 1, 2020

Medicare’s open enrollment period runs from October 15 to December 7. If you are enrolling in Medicare for the first time, give yourself plenty of time. You may discover that it is much more complex than an employer-sponsored...

 

Thursday, September 3, 2020

Who doesn't want to be a Millionaire? Billionaire, even better. Here is an article on Warren Buffet to celebrate his 90th birthday giving a timeline and a look into how he did it. When you get to the end, it doesn't seem that hard. I...

 

Tuesday, August 4, 2020

Are you covered if you catch COVID? Because it's an unknown, insurance companies are just starting to deal with the claims coming in due to coronavirus. If you have questions, please contact your insurance carrier. Check out the...

 

Wednesday, July 1, 2020

Have you heard that your auto insurance now has new choices? These new rules go into effect July 1st and could have a big impact on anyone in a serious auto accident. If you haven't heard about it, please contact your insurance carrier...

 

Monday, January 6, 2020

As some of you know, when you stopped into the office during the last few months of 2019, I probably asked you to sign the petition for the Banning of Dismemberment Abortion. I received this final update and thought I would pass it on...

 

Wednesday, December 18, 2019

We all have questions about life insurance. Do I really need it? It's too expensive. Should I have it? It might make things easier for my family. What if I go into a nursing home? Does it help with those costs? It's always there in the...

 

Saturday, March 2, 2019

Even though tax filing season is well under way, there's still time to make a regular IRA contribution for 2018. You have until your tax return due date (not including extensions) to contribute up to $5,500 for 2018 ($6,500 if you...

 

Wednesday, January 9, 2019

You don't want to pay more in federal income tax than you have to. With that in mind, here are five things to consider when it comes to keeping more of your income. 1. Postpone your income to minimize your current income tax liability...

 

Wednesday, December 5, 2018

Losing a loved one can be a difficult experience. Yet, during this time, you must complete a variety of tasks and make important financial decisions. You may need to make final arrangements, notify various businesses and government...

 

Wednesday, November 21, 2018

When investing for retirement, you're likely to hear a lot of well-meaning guidance from family, friends, and others offering advice — even the media. As you weigh the potential benefits of any commonly cited investment rules,...

 

Wednesday, November 21, 2018

If you're like most people, it's not that you don't appreciate the value of life insurance. In fact, many people believe they need more coverage. You probably wouldn't mind owning additional life insurance. It's just that you don't...

 

Friday, November 9, 2018

By investing for retirement through your employer-sponsored plan, you are helping to manage a critically important financial risk: the chance that you will outlive your money. But choosing to participate is just one step in your...

 

Friday, November 9, 2018

Whether you're seeking to manage your own assets, control how your assets are distributed after your death, or plan for incapacity, trusts can help you accomplish your estate planning goals. Their power is in their versatility--many...

 

Wednesday, October 31, 2018

How well do you understand personal finance? The following brief quiz can help you gauge your knowledge of a few basics. In the answer section, you'll find details to help you learn more. Questions 1. How much should you set aside in...

 

Thursday, October 4, 2018

In a perfect world, both halves of a couple share the same investment goals and agree on the best way to try to reach them. It doesn't always work that way, though; disagreements about money are often a source of friction between...

 

Thursday, September 13, 2018

The cost of long-term care can quickly deplete your savings and affect the quality of life for you and your family. Long-term care insurance allows you to share that cost with an insurance company. But premiums for long-term care...

 

Friday, September 7, 2018

Are you suddenly on your own or forced to assume greater responsibility for your financial future? Unsure about whether you're on the right track with your savings and investments? Finding yourself with new responsibilities, such as...

 

Thursday, August 30, 2018

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

 

Thursday, August 23, 2018

When it comes to planning for your retirement income, it's easy to overlook some of the common factors that can affect how much you'll have available to spend. If you don't consider how your retirement income can be impacted by...

 

Monday, August 20, 2018

A chocolate cake. Pasta. A pancake. They're all very different, but they generally involve flour, eggs, and perhaps a liquid. Depending on how much of each ingredient you use, you can get very different outcomes. The same is true of...

 

Thursday, August 9, 2018

There are five estate planning documents you may need, regardless of your age, health, or wealth: Durable power of attorney Advance medical directives Will Letter of instruction Living trust The last document, a living trust, isn't...