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As September approaches and students begin to prepare for the fall semester, we feel this is an excellent opportunity to share ways that they can be smarter with their everyday expenses. With limited resources, college students can benefit immensely by learning to stretch their dollars. Aside from the classes they take, the independence of college […]
Financial windfalls come in varying ways, often unexpected or suddenly. Whether an inheritance, company stock profits or sale, insurance settlement, or lottery winnings…. the unexpected pile of cash can create an initial sense of euphoria and a false sense of security. The vast majority of people blow through a financial windfall fairly quickly. Whether large […]
Threats to Data Security Intensify every hour, technology continues to evolve, changing the way we lead our lives. Unfortunately, cyber criminals are evolving just as fast, developing new ways to separate people from their assets. While the most common tactics used to compromise a victim’s identity or login credentials are long-time nemeses such as malware, […]
In a recent Wall Street Journal article (linked HERE), Andrea Fuller recounts her experience of searching for the fees that she is paying for her financial advisor and investments – the advisor is an employee of one of the largest financial advisory companies. What Andrea did not expect is that this hunt would require a […]
There are many ways to share your wealth. Following IRS rules can even give you a nice reduction in your annual tax bill. Tax planning allows you to give more to your favorite charity and maximize tax deductions. Cash/Check donations – always remember to keep good records of your donations and get receipts. Canceled checks […]
We encourage clients to max out workplace retirement accounts when possible (401k limit is $18,000 annually, or $24,000 age 50+). At a minimum, contribute as much as your employer will match; its free money! The employer matching is often structured as $.50 cents for every dollar you defer, up to 6% of your salary, effectively […]
Today, as a society we tend to view financial success in rather cut and dry ways. A few things we tend to get hung up on when we try to achieve financial success include: a big house, fancy cars, flashy jewelry, or the highest paying job. Are these the things that are really going to […]
“Back-To-School” is a good time of the year to think about saving for your children’s and grandchildren’s education. There are several types of education accounts that you can choose from. We can help you plan education savings that may be right for you! Here are some facts about the different accounts: 529 Accounts – […]
Time is one of our greatest assets, yet it often seemingly passes through our lives without much thought or appreciation. One aspect of this is how little time we spend planning for our futures. Americans on average spend more time buying a flat screen TV than planning for an IRA investment for their retirement years […]
Your twenties are an exciting time in one’s life and also an extremely important time to set the financial foundation for the rest of your life. In your 20s you must learn to transition from a lifestyle without significant responsibilities into the “real world” making your 20s a decade of tough lessons. Whether you’re on […]