In a world of misinformation, we want our clients and friends to have a place they can go to get up-to-date, factual financial information. With this blog, our hope is to educate and inform our clients on what matters to them most.

Information is power, and helping to empowering our clients is one of our driving goals. Our blog can be a great asset for our clients, or anyone, looking to learn more about their finances. What matters to you matters to us, so we strive to provide clear and relevant information to help you experience the power of planning your future.


Monday, October 22, 2018

Turn your intent into a commitment.


Thursday, October 18, 2018

Why are investors and economists getting nervous about Treasury yields?


Monday, October 15, 2018

What are the keys in planning to grow wealthy together?


Friday, October 12, 2018

A look at how variable rates of return do (and do not) impact investors over time.


Monday, October 8, 2018

Save and invest, year after year, to put the full power of compounding on your side.


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Thursday, October 4, 2018

Some things to think about as you get started with your strategy.


Monday, October 1, 2018

Some good reasons to retain it.


Thursday, September 27, 2018

You may be surprised to learn what is and is not covered.


Monday, September 24, 2018

In the coming months, they will reach retiree mailboxes.


Thursday, September 20, 2018

Driver history is just one factor; there are many others.


Monday, September 17, 2018

Someday, you or your parents could be at risk.


Thursday, September 13, 2018

If something sounds too good to be true, it probably is.


Monday, September 10, 2018

You may be surprised to learn about the potential relationship.


Friday, September 7, 2018

Just as a marriage requires understanding, respect, and compromise, so does the financial life of a married couple.


Wednesday, September 5, 2018

Take steps so criminals won’t take vital information from you.


Monday, September 3, 2018

Why you should periodically review beneficiary designations.


Friday, August 31, 2018

There’s nothing like doing your homework and being selective.


Wednesday, August 29, 2018

Why striving to stay in the workforce a little longer may make financial sense.


Monday, August 27, 2018

This popular retirement savings vehicle comes in several varieties.


Saturday, August 25, 2018

Sometimes more money can mean more problems.


Thursday, August 23, 2018

A move that high earners can make in pursuit of tax-free retirement income.


Tuesday, August 21, 2018

The miscellaneous itemized deduction is gone, but effective tax breaks remain.


Sunday, August 19, 2018

A few things you may want to think about before filing for benefits.


Friday, August 17, 2018

As you approach retirement, it may be time to pay more attention to investment risk.


Wednesday, August 15, 2018

Breaking down the basics & what each part covers.


Monday, August 13, 2018

Real estate investors trying to defer taxes may want to explore like-kind exchanges.


Saturday, August 11, 2018

Do you need to access your retirement money early? Sometimes you can take penalty-free early withdrawals from retirement accounts.


Monday, August 6, 2018

Grandparents Day provides a reminder of the bond between grandparents and grandchildren and the importance of family legacies. What are your family’s legacy assets? Are you on the right path of action?


Tuesday, July 31, 2018

If you are under 30, you have likely heard that now is the ideal time to save and invest. You know that the power of compound interest is on your side; you recognize the potential advantages of an early start. Now what do you do?


Monday, July 9, 2018

Do you really want to risk facing these potential outcomes? Saving for retirement may seem a thankless task. But you may be thanking yourself later. Putting away a percentage of one’s income, money that could be used for any...


Thursday, July 5, 2018

Financially speaking, what moves might you want to make? By choice or by chance, some people wrap up their careers before turning 60. If you sense this will prove true for you, what could you do to potentially make your retirement...


Monday, July 2, 2018

Working longer might work out well for you. Are you in your fifties and unsure if you have enough retirement savings? Then you have two basic financial choices. You could start saving and investing more of your pay than you currently...


Thursday, June 28, 2018

A recent poll of pre-retirees suggests that truth risks being ignored. Steady income or a lump sum? Last year, financial services firm TIAA asked working Americans: if you could choose between a lump sum of $500,000 or a monthly income...


Monday, June 25, 2018

How does the BRS differ from the LRS? The U.S. military has made a major change to its retirement program. Many active duty, Reserve, and National Guard members are eligible to choose between two retirement savings and pension options:...


Thursday, June 21, 2018

Who should inherit your IRA or 401(k)? See that they do Here’s a simple financial question: who is the beneficiary of your IRA? How about your 401(k) or annuity? You may be saying, “I’m not sure.” It is smart to...


Monday, June 18, 2018

This is the time to arrange lifelong health coverage. Age 64 is the age when you are reminded that you are a baby boomer growing older. Regardless of how young or old you feel at 64, you should make sure to sign up for Medicare. The...


Thursday, June 14, 2018

Why seniors choose them, and what prospective annuity holders should consider. Imagine an income stream you cannot outlive. That sums up the appeal of an annuity. If you are interested in steady retirement income (and the potential to...


Monday, June 11, 2018

Investors may be lulled into a false sense of security by this market. Will the current bull market run for another year? How about another two or three years? Some investors will confidently say “yes” to both questions....


Thursday, June 7, 2018

Financial burdens could alter their retirement prospects. Imagine retiring with $50,000 of debt. Some new retirees owe more than that. Outstanding home loans, education debt, small business loans, and lingering credit card balances...


Monday, June 4, 2018

In monitoring your Social Security profile, you may help to thwart fraud. Could your personal information soon be stolen? The possibility cannot be dismissed. Sensitive financial and medical data pertaining to your life may not be as...


Thursday, May 31, 2018

Constructing a portfolio this way may help you ride through a bear market in retirement. Stocks sometimes retreat. That reality can be overlooked in a long bull market. Bear markets do appear, and a deep downturn could force you to...


Monday, May 28, 2018

Why are they made again and again? Much has been written about the classic financial mistakes that plague start-ups, family businesses, corporations, and charities. Aside from these blunders, there are also some classic financial...


Thursday, May 24, 2018

Your approach to building wealth should be built around your goals & values. Just what is comprehensive financial planning? As you invest and save for retirement, you may hear or read about it – but what does that phrase really...


Monday, May 21, 2018

A look at the different options & strategies. If you have a child with special needs, a trust may be a financial priority. There are many crucial goods and services that Medicaid and Supplemental Security Income will not pay for, and a...


Thursday, May 17, 2018

Think about these matters before you leave work for the last time. Retirement planning is not entirely financial. Your degree of happiness in your “second act” may depend on some factors you cannot quantify. Here are a few...


Monday, May 14, 2018

Your outlook may influence your financial outcome. What kind of retirement do you think you’ll have? Qualitatively speaking, what if the success or failure of your retirement begins with your perception of retirement? A whole...


Thursday, May 10, 2018

Take these financial lessons to heart. You have a chance to manage your money better than previous generations have. Some crucial financial steps may help you do just that. Live below your means and refrain from living on margin. How...


Monday, May 7, 2018

Contending with the possibility of widowhood. On average, women outlive their husbands. According to the Social Security Administration’s estimate, the average 65-year-old woman will outlive the average 65-year-old man by more...


Thursday, May 3, 2018

Is it time to review your policy? Life insurance is hard. It’s hard to know if you have the right kind. It’s hard to know if you have enough. And it’s hard to know if you need any at all. The insurance companies have...


Monday, April 30, 2018

With or without the estate tax, it addresses several key priorities. Every few years, predictions emerge that the estate tax will sunset. Even if it does, that will not remove the need for life insurance in estate planning. Why? The...


Thursday, April 26, 2018

It will help retirees out, but it will not help them get ahead. Seniors got a little good news this fall. Next year, monthly Social Security income payments to retirees will increase by 2.0%. That will mean an extra $326 –...


Monday, April 23, 2018

This year, we have seen the downside of bitcoin & other altcoins. Bitcoin. Ethereum. Litecoin. Ripple. Ether. As 2017 ended, the prices of these cybercurrencies were soaring. In early 2018, they have plummeted. Opportunistic investors...


Thursday, April 19, 2018

Setting a strategy down may help you define just what you need to do. Many people save and invest vaguely for the future. They know they need to accumulate money for retirement, but when it comes to how much they will need or how they...


Monday, April 16, 2018

They should not be left ill-informed or unaware. Talking about “the end” is not the easiest thing to do, and this is one reason why some people never adequately plan for the transfer of their wealth. Those who do create...


Thursday, April 12, 2018

Why you may want to have one in place in any market climate. What is a stop-loss strategy, and how can it potentially aid an investor? Savvy investors use stop-loss orders as a kind of “insurance” against stock market...


Monday, April 9, 2018

After 20 months of relative calm, this volatility needs to be taken in stride. Are you upset by what is happening on Wall Street? It may help to see this pullback within a big-picture context. Corrections have become so rare as of late...


Thursday, April 5, 2018

Have you considered the factors that may promote inequality in wealth transfer? Suzanne is widowed and has four adult children. Her investment portfolio is worth $1 million, and she owns a bed-and-breakfast inn worth $1 million as well...


Monday, April 2, 2018

The notion that we separate from work in our sixties may have to go. An executive transitions into a consulting role at age 62 and stops working altogether at 65; then, he becomes a buyer for a church network at 69. A corporate IT...


Thursday, March 29, 2018

Basic estate planning documents may not communicate your intentions. There are three degrees of estate planning: advanced, basic, and none at all. Basic is better than none, but elementary estate planning can still leave something to...


Monday, March 26, 2018

After many years together, some retired spouses may find their daily routines far apart. When you see online ads or TV commercials about retirement planning, do they ever show baby boomer couples arguing? No. After all, retirement...


Thursday, March 22, 2018

Earning too much may cause portions of your retirement benefits to be taxed. You may be shocked to learn that part of your Social Security income could be taxed. If your provisional income exceeds a certain level, that will happen....


Monday, March 19, 2018

Have you been affected? If so, how can you try to protect yourself? On September 7, credit reporting agency Equifax dropped a consumer bombshell. It revealed that cybercriminals had gained access to the personal information of as many...


Thursday, March 15, 2018

Even those who have saved millions must prepare for a lifestyle adjustment. A successful retirement is not merely measured in financial terms. Even those who retire with small fortunes can face boredom or depression and the fear of...


Monday, March 12, 2018

Some things you have no influence over. You may have some power to affect other factors. Are you worried about retiring? Many baby boomers are, and they have reason to be, given low interest rates, subpar returns on equities,...


Wednesday, February 28, 2018

A few things you may want to think about before filing for benefits. Whether you want to leave work at 62, 67, or 70, claiming the retirement benefits you are entitled to by federal law is no casual decision. You will want to consider...