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Friday, March 1, 2024

The time following Valentine's Day has always served as a reminder that Spring is on the way. The days are getting longer, the birds and the bees are doing their thing, and people everywhere are thinking about future travel and...

Friday, February 23, 2024

One of the biggest financial challenges women often face is preparing for (and saving enough for) retirement. There are numerous reasons why these challenges exist, but through continued awareness and planning, those challenges can be...

Friday, February 9, 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...

Wednesday, January 31, 2024

As a small business owner, you’re always looking to attract and retain top talent. Offering a retirement plan is an excellent way to provide employees with a competitive benefits package while helping them save for the future....

Tuesday, January 23, 2024

January 28 is an internationally recognized day to remind us about data privacy. Also known as Data Privacy Day, January 28 aims to empower companies and individuals to discuss and implement ways to safeguard data and respect...

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Wednesday, January 17, 2024

The New Year means taking a new look at your finances. The most important thing is to make sure you feel like you have the cashflow you need to do the things you want to do. So, let’s set some goals this year to build on last...

Wednesday, January 10, 2024

January is Financial Wellness Month, a time to remind people to make arrangements for their financial strategy. For me, it’s time for me to connect with new clients and discuss their financial situation and aspirations for their...

Wednesday, January 3, 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...

Tuesday, November 21, 2023

The holidays are a time of year when we’re inspired to perfect every home-cooked meal to try and capture the magic of the season. But trying out a new recipe mid-holiday could be a recipe for disaster if it’s a flop!...

Tuesday, November 21, 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...

Tuesday, November 14, 2023

While it may be hard to think of now, it’s likely you’ll need some type of healthcare or daily living assistance as you age. People often believe that Medicare covers long-term care (provided either at home or in a nursing...

Tuesday, November 7, 2023

Long-term care insurance (LTC) is a critical but often overlooked component of retirement planning.   Many people think they don’t need LTC because they’ll get Medicare when they retire. But Medicare often...

Tuesday, October 31, 2023

Happy Birthday! Hitting age 73 is no small feat, and it’s worthy of celebration!! But also please heed this important reminder! At age 73 you will likely need to start taking a Required Minimum Distribution (RMD) from your...

Tuesday, October 24, 2023

Annuities have garnered fans and critics over the years and often are the subject of many misconceptions. But, especially in an environment of rising interest rates and high inflation, an annuity might be a great addition to your...

Tuesday, October 17, 2023

There’s no denying we live in a world where tragic headlines seem to occur daily. From floods, earthquakes, and devastating wildfires to inflation, political discord, and world hunger, the bad news can be hard to stomach some...

Tuesday, October 17, 2023

As more and more people become dependent on technology, the chance of your finances being attacked through cyberspace is increasing tremendously. And one of the most common and devastating ways this happens is through identity theft...

Tuesday, October 10, 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...

Tuesday, October 3, 2023

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...

Wednesday, September 27, 2023

Every October, the government and the tech industry come together to raise awareness about cyber security. Their goal is to reinforce the proactive role we all need to play in keeping our personal and workplace accounts cyber secure...

Tuesday, September 12, 2023

September is Life Insurance Awareness Month, making it a good time to review things you may not know about life insurance, such as: Policies differ widely. Term life insurance pays out a death benefit if you die within the specified...

Tuesday, September 5, 2023

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....

Tuesday, August 29, 2023

Caring about the health and welfare of loved ones is a daily occurrence for all of us. But as you may already know, caring for someone with dementia can be challenging and emotionally draining. And what is often overlooked is the...

Monday, August 21, 2023

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...

Monday, August 14, 2023

Many people believe investing and saving are the same thing, but they’re definitely not. Though they are often used interchangeably, it’s essential to understand their unique differences and how properly understanding these...

Tuesday, August 8, 2023

If you’re new to investing, you’re discovering the vast and diverse vocabulary of financial terms, tools, and acronyms used in the financial world. It can feel time-consuming and overwhelming to make sense of it all. To...

Tuesday, August 1, 2023

You know the old adage, "Nothing in life is certain but death and taxes." Add to that a third certainty: college education costs will continue to outpace inflation. Ouch.There are numerous tax-efficient strategies that could help fund...

Tuesday, July 25, 2023

When I meet with clients to determine the most efficient ways to maximize retirement savings, it’s not unusual for me to come across debt in their portfolio. This always prompts the million dollar question, “Is it better to...

Wednesday, July 19, 2023

When you have a major life event such as getting married, having a child, or buying a home, your financial situation and priorities may change. As your life changes, your financial decisions must stay in line with your goals, values,...

Wednesday, July 12, 2023

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....

Tuesday, June 6, 2023

You may have heard the saying, “inflation hurts savers and benefits borrowers.” The expression suggests that borrowers benefit from inflation because they pay back lenders with dollars worth less than when the money...

Tuesday, May 30, 2023

Would it surprise you to hear that investors have moved past worrying about inflation? They have, at least for now.Wall Street has shifted its attention to Washington’s budget negotiations and how the debt ceiling will be...

Tuesday, May 23, 2023

We strive to keep you regularly updated with important market changes and news.Please find the Market Analysis from Phil Blancato, Advisor Group’s Chief Market Strategist attached below. This update provides an overview of...

Tuesday, May 16, 2023

Even if you’ve been investing for years, the language of investing can sometimes feel confusing. Getting a better grip on investing terminology (which is often a complex combination of legalese, colloquialisms and slang) can help...

Wednesday, April 12, 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, April 4, 2023

Yankees great Yogi Berra once quipped, “90% of baseball is mental; the other half is physical.”Math aside, Yogi’s point is well-taken: to excel at any sport on a professional level, mental tenacity counts for as much...

Tuesday, March 28, 2023

Did you know… You should start preparing a Social Security Strategy by age 55! Most people don’t even think about Social Security until they’re facing retirement, but it really pays to be informed. There are so many...

Tuesday, March 21, 2023

The SECURE 2.0 Act of 2022 builds on the original SECURE Act legislation, with some of the retirement savings enhancements taking effect this year. Many will be phased in over the next few years. Check out this summary from Putnam...

Tuesday, March 14, 2023

We strive to keep you regularly updated with important market changes and news.Please find the Silicon Valley Bank (SVB) - Update from Phil Blancato, Advisor Group’s Chief Market Strategist attached below. This update provides...

Tuesday, March 7, 2023

You’ve worked hard to establish a legacy you can be proud of, one that your family can continue to build upon for years to come. And as you know, a comprehensive estate plan is an essential piece of your financial puzzle. However...

Tuesday, February 28, 2023

The dream of a secure retirement, college funding, or a vacation home may be the financial “prize” you’re keeping your eyes on. But it’s hard for investors, even seasoned ones, to stay focused in the face of...

Tuesday, February 21, 2023

We always hope our clients feel confident discussing money with their families. The truth is, talking about money can be uncomfortable! Where do you begin? What’s the right age? The good news is, it’s never too early to...

Tuesday, February 7, 2023

Wouldn't it be nice to pay less income tax in retirement? One way is with a tax-advantaged strategy called a Roth IRA conversion. This action can help lower your taxable income later in retirement. A Roth IRA conversion involves...

Tuesday, January 31, 2023

Panic selling is not an investment strategy. Repeat: panic selling is not an investment strategy.Investors who pull the emergency brake and bail out during a market decline almost always lock in a loss on their investments. And if they...

Tuesday, January 24, 2023

Stocks showed mixed results last week as recession fears resurfaced in response to weak economic data and a tepid start to a new corporate earnings season.  The Dow Jones Industrial Average skidded 2.70%, while the Standard &...

Tuesday, January 17, 2023

With the hustle and bustle of the holidays behind us, it’s a great time to mention that January is Financial Wellness Month. How should you observe this ‘holiday’? Consider it a reminder to prioritize and pay...

Tuesday, January 10, 2023

Like it or not, taxes are a way of life. They fund great things like roads, libraries and parks, but nobody wants to pay more than they absolutely have to. We often get questions like, “How can I balance my tax obligations with...

Tuesday, January 3, 2023

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...

Tuesday, December 27, 2022

Remember when a college education was reasonably priced? In the past 20 years, the cost of college tuition for public universities has risen 165%. College students and their families have been taking on more and more debt, and they are...

Tuesday, December 20, 2022

Hawkish comments by the Fed and weak economic data heightened investors’ recession concerns and sent stocks lower last week.The Dow Jones Industrial Average lost 1.66%, while the Standard & Poor’s 500 retreated 2.08%. The...

Tuesday, December 6, 2022

In recent weeks, the word recession has started creeping into business news and financial market coverage.Is that cause for alarm or just another attention-grabbing headline? There’s no simple answer.A recession is defined as two...

Tuesday, November 22, 2022

Did you know… with thoughtful, advanced planning, you can extend your legacy of charitable giving beyond your lifetime, creating lasting benefits for the organizations you care about? And if you have a desire to give back to...

Tuesday, November 8, 2022

It is hard to believe we are in the midst of yet another election cycle. With inflation soaring, economic growth slowing, and extremely choppy markets, midterm elections seem like an afterthought. But on Tuesday, November 8th, 435...

Tuesday, October 25, 2022

If you’re wondering if estate planning is right for you, it’s important to know it’s not just for the wealthy. Even people with modest assets need a written plan. And right now is a great time to take the next step...

Tuesday, October 18, 2022

The energy topic has been central to many conversations during ongoing market volatility this year, and for a good reason. Oil and natural gas prices have fluctuated widely in recent years. Additionally, nearly every aspect of the...

Tuesday, October 11, 2022

For many of us, Social Security plays an important part in our financial plans for retirement or later stage of life. Even if you’re years away from applying for benefits, there are good reasons to set up your online Social...

Tuesday, October 4, 2022

Medicare’s annual open enrollment period begins October 15 and ends December 7. During this time, current Medicare beneficiaries have the option to adjust their coverage for the coming year. Any changes to your plan will go into...

Tuesday, September 27, 2022

"Be fearful when others are greedy and greedy when others are fearful," according to legendary investor Warren Buffett.It's a great quote but complex advice to follow, especially in 2022 when stock prices are down double-digits. It...

Tuesday, September 20, 2022

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 wellness...

Tuesday, September 13, 2022

Good days and bad days are a fact of life in the market. Sometimes it’s up and we celebrate. But when it dips, we worry…and if it tanks, forget it: the first instinct for most of us is panic, and we wonder if we should just...

Tuesday, September 6, 2022

Have you heard? The Inflation Reduction Act was signed into law on Tuesday, August 16. While the $430 billion package includes many provisions, I thought I’d highlight three key areas where you may benefit the most.Tax credits...

Tuesday, August 30, 2022

September is Life Insurance Awareness Month, making it a good time to review things you may not know about life insurance, such as:Policies differ widely. Term life insurance pays out a death benefit if you die within the specified...

Tuesday, August 23, 2022

When market volatility is headline news and account values start to fall, it’s easy to understand why investors get jittery. Even with a boatload of historical data to support us, in times of stress we all struggle to overcome...

Tuesday, July 26, 2022

Most of us take for granted our ability to earn an income and save for retirement. What if something happens to you and you can no longer work? Not only would your day-to-day expenses start piling up, but your retirement contributions...

Tuesday, July 5, 2022

Ever heard of the phrase ‘search cost?’It’s an economic term that refers to the effort, time and money someone spends looking for something they want. The hours you devoted to researching your next car or vacation?...

Tuesday, June 28, 2022

Our newsletter this month features an overview on when to talk to your financial professional about changes in your situation, if your retiree health care coverage goes with you overseas, includes a pre-retirement checklist to...

Tuesday, June 21, 2022

As a business owner, it often makes sense to offer your employees a way to save for their retirement. By helping your team save for the future, you support their long-term financial goals and retirement readiness. You’re also...

Tuesday, June 14, 2022

It’s hard to believe we’re nearly half-way through 2022! As kids and grandkids finish the school year, it’s surprising how the days seem to get busier in addition to getting longer.  As the summer rolls in, so do...

Tuesday, June 7, 2022

With inflation hovering near 40-year highs, some investors are looking for alternative ways to weather the storm. For many, a Series I Savings Bond is just the ticket. I Bonds give investors a rate of return plus inflation protection...

Tuesday, May 31, 2022

Tuesday, May 24, 2022

The 4% rule can help a retiree determine how much to withdraw from retirement savings each year.

Tuesday, May 17, 2022

It’s hard to ignore current news about persistent market volatility, and we’re guessing this has resulted in some anxiety about what (if anything) you should be doing. Please be assured that we are actively monitoring the...