Blog
Living Trusts: Understanding the Basics and Key Considerations
Estate management can be a complex and daunting task for many people, but it’s a critical step in helping your assets get managed and distributed according to your wishes.One popular tool that can be used in estate strategies is...
Read MoreTrying to Time a Recession?
Economies move in cycles – always have, always willThe Federal Reserve has been steadily increasing interest rates in an attempt to slow the rate of inflation. Its efforts are yielding some results, although inflation remains...
Read MoreWhat Factors Have the Greatest Impact on Your Credit Score?
Fun fact: You probably have dozens of credit scores out there, and each one might be a different number.You’re probably familiar with a credit score, why it’s essential, and what it’s used for, but do you know how...
Read MoreImportant Financial Considerations to Make When Remarrying Later in Life
Discussing personal finances is important for any couple preparing for marriage. However, this topic can be more complicated for those who remarry later in life.If you’re remarrying later in life, one of your goals should be to...
Read MoreTop Considerations to Help Adult Children Be Better Prepared As You Age
As we get older, it’s important that our adult children are prepared to manage any aging-related situations that may arise. This includes everything from having to make medical and financial decisions to determining assisted...
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Tips for Raising Financially Literate Children
Every parent wants the best for their children and strives to prepare them to lead a happy, healthy, and successful life. But, despite understanding the importance of financial responsibility, only 28 percent of parents speak to their...
Read MoreTransitioning to Medicare from Private Health Insurance Plans
Transitioning from Private Health Insurance Plans to MedicareAs you approach retirement age, you may be anticipating transitioning from your private insurance to Medicare, which is a federal health insurance program that provides...
Read MoreWhere to Put Excess Cash
According to the Investment Company Institute, near the end of 2022, there was more than $4.7 trillion in cash sitting in U.S. money market funds.1,2While cash can play a role in a diversified portfolio, historically, cash has not kept...
Read MoreTechnology Guide for Seniors
By 2040, the U.S. Census Bureau estimates that 80 million people in the U.S. will be age 65 or older.1 Most of these senior adults will either want to—or need to—"age in place," living in their homes securely, independently...
Read MoreContribution Limit Increases for 2023: Just What We Wanted to Hear
In late October, the IRS announced that it is increasing contribution limits to retirement savings accounts in 2023. The changes, like many you are seeing, are a direct result of months of high inflation and financial uncertainty, some...
Read MoreYear-End Financial Strategies
The year is almost over, and it has certainly been a bumpy one for the financial markets and our economy. As financial professionals, we work with families to design investment strategies that help them pursue their goals for education...
Read MoreCharitable Giving Strategies for 2022
Key points:Over the past five years, affluent Americans increased their donations to charity by 48%.1Understand various strategies to help you maximize the impact of your charitable donations and your income tax savings.To qualify for...
Read MoreHow Does the Inflation Reduction Act Impact Healthcare? A Guide During Open Enrollment Season
Key points:One of the biggest components of the Inflation Reduction Act is the changes to healthcare costs and coverage. The Inflation Reduction Act requires all pharmaceutical companies to rebate Medicare participants for the...
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Why "Financial Planning" in 4 Charts
Creating and Implementing a Financial Plan can have a variety of benefits to people, both in the financial aspects and non-financial aspects of someone’s life.But it can seem a daunting task to create the plan and follow it over...
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Why "Long-Term Care Planning" as seen in 3 Charts
What are your plans if you or someone in your family needs Long-Term Care. The expense and distuption to your retirement lifestyle could be devestating if you aren't prepared. Here are 3 very revealing charts to inform your decision.
Read MoreWill Your Social Security Check Be Taxed?
Most people are used to having a portion of their paycheck withheld for Social Security during their working years. But not everyone realizes that their retirement benefits could still be subject to income taxes—especially if...
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Consider This Before Buying Long-Term Care Insurance
What's your plan if you need LONG-TERM CARE??? - The Pros and Cons of Long-Term Care Insurance - The need for some form of long-term care (LTC) as we age will be a reality for many people. With the cost of a private room in a nursing home.
Read MoreTruths About Life Insurance that Will Inspire You to Get Coverage
Several factors will affect the cost and availability of life insurance, including age, health, and the type and amount of insurance purchased. Life insurance policies have expenses, including mortality and other charges. If a policy...
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How Much Insurance Do You Need?
For Life Insurance Awareness Month - How Much Life Insurance You Need. You should consider having sufficient life insurance to realistically support your family’s lifestyle without...
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Protect Your Credit With a Free Annual Credit Report
Protect Your Credit With a Free Annual Credit Report.T There’s no better way to safeguard your credit than to examine your credit reports every year. You have the right to dispute mistakes, unfamiliar/obsolete accounts, and...
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