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Wednesday, April 3, 2024

529 plans are a tool for those looking to save for college for their children, grandchildren, or any family member. While most people know that they are one of the most popular saving methods for college, many myths surrounding these...

Wednesday, April 3, 2024

Did you know, according to CNBC, more Americans are expected to turn 65 through 2027 than at any other time in history? This rapid population increase of older adults is often called the “Silver or Gray Tsunami,” though many new...

Wednesday, April 3, 2024

Small business owners face many challenges, which may become even more significant during inflation. As inflation hit new highs in recent years, small business owners are being tested and challenged by high costs and high interest...

Wednesday, April 3, 2024

Life insurance has its benefits, and choosing a manageable life insurance policy is a critical step in your retirement planning. It can help your family cover end-of-life expenses, funeral and burial costs, and pay for estate taxes. It...

Wednesday, March 6, 2024

Here are some of the mental health challenges that high-net-worth individuals may face, how to address stigmas surrounding the issues, and a few practical tips to help you prioritize your mental health while continuing to pursue wealth...

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Wednesday, March 6, 2024

Whether you are getting close to retirement in Modesto California, or even if retirement is still a little way off, here are some common questions and answers regarding Social Security.

Wednesday, March 6, 2024

Whether you are just starting to explore financial literacy as a business owner in Modesto or the surrounding area, or are looking to freshen up your skills, below you will find areas of financial literacy critical to business owners...

Wednesday, March 6, 2024

A CNBC and Acorns survey report found that 31% of parents don’t discuss finances with their kids. We want to change this narrative for our Modesto community, teaching our children financial literacy and the skills they need to succeed...

Monday, February 12, 2024

Many Modesto retirees overlook the importance of maintaining a suitable credit score after they stop working or that credit scores lose relevance in retirement. Here's a detailed look at why your credit score matters in retirement.

Monday, February 12, 2024

As we navigate through 2024, the question looms large: Will growth once again reign supreme over value, especially in the backdrop of the widely anticipated decline in interest rates? The answer, it seems, lies in the events of 2023...

Monday, February 12, 2024

In a labor market where the war for talent rages on, the study also revealed that 37% of small business owners identified employee recruiting and retention as a top concern. Here are some strategies for your local Modesto business to...

Monday, February 12, 2024

There are several benefits to having a 401(k), especially if you are a high earner in the Modesto area, that offer ways to build a substantial retirement. However, there are some downsides to keep in mind...

Thursday, December 28, 2023

Independence is important in retirement. The more independent retirees are, the more fulfilling their retirement is likely to be. However, living independently as you age isn't always easy and may take some degree of planning well...

Thursday, December 28, 2023

An increasing number of full-time workers seek to increase their income through working a side hustle, which is employment in addition to a full-time job. In this article, we'll delve into the benefits of this trend, essential tips for...

Thursday, December 28, 2023

In times of market volatility, when inflation is increasing, the Federal Reserve will raise interest rates to help to cool the inflation spike. During this period, people are anxious and keep a tight grip on their wallets. In time, the...

Thursday, December 28, 2023

Planning for early retirement is great, but planning for healthcare coverage at the same time is sometimes more difficult. In this blog are a few strategies for navigating healthcare costs during that gap period.

Thursday, November 30, 2023

The new year is fast approaching, and it is the perfect time to set up resolutions for your business. Whether you want to increase your sales, gather a more extensive customer base, or just accomplish needed business improvements, below are

Thursday, November 30, 2023

Determining how your income impacts Social Security (SS) taxes is important for tax planning. Factors that determine how much pay SS tax you pay, depending on your circumstances, include:

Thursday, November 30, 2023

As one approaches retirement, monitoring your financial situation by understanding your net worth and assessing the assets and resources needed to maintain a comfortable lifestyle throughout retirement is vital. This article explores eight

Thursday, November 30, 2023

Tax identity theft is a serious type of fraud that affects individuals of all ages and stages of life. Here are a few of the most common tax identity theft schemes and ways to mitigate them as you begin to approach retirement.

Wednesday, November 8, 2023

Amidst this complex financial landscape, choosing an experienced financial professional has become more critical than ever. The controversy surrounding Sam Bankman-Fried underscores the importance of exercising due diligence when selecting

Wednesday, November 8, 2023

Here are some things to consider as you weigh potential tax moves between now and the end of the year.

Wednesday, November 8, 2023

We can look back over the year, draw from our wins and losses, and get an idea of where we need to make changes. Here is a 12 days of Christmas financial planning checklist to keep you off Santa’s naughty list:

Thursday, September 28, 2023

What can you do now to potentially improve and streamline your 2023 budget? Below, we discuss three year-end planning steps that may make your 2023 finances run more smoothly.

Thursday, September 28, 2023

Becoming a caregiver is a life-changing decision and remember to plan for yourself. Your financial plan may want to include life insurance with a long-term care insurance rider so that when you need care, you have the financial resources to

Thursday, September 28, 2023

The thought of retiring may be intimidating for anyone—but if you own your own business, handing your "baby" to new owners might be enough to stop you in your tracks. What might you do to set your successor up for success? We have answers

Thursday, September 28, 2023

In the U.S. alone, giving totaled $2.7 billion to nonprofits and community organizations on #GivingTuesday in 2021, so here is a list of things for you to think about as you consider your year-end charitable donations.

Wednesday, August 30, 2023

As the global economy grapples with uncertainty, investors' perceptions of a financial crisis diverge significantly along generational lines. This generational divide in crisis perception offers insightful reflections on market sentiment...

Wednesday, August 30, 2023

Moody’s Investors Service cut the credit ratings of 10 U.S. regional, midsized banks by one notch and put six large banks under review for possible downgrades. Here’s what investors need to know about the recent bank downgrades.

Wednesday, August 30, 2023

Did you know the federal government offers incentives that can support and reward diverse hiring? Beyond the satisfaction of providing jobs and supporting community members, there are tangible financial incentives available for businesses

Wednesday, August 30, 2023

If you're interested in a sector but don't want to commit your entire investment to one company, an ETF that is based on a relevant index can help spread your risk within that sector. Here are some basic strategies that you can use to...

Tuesday, July 25, 2023

In the context of education planning, gifting is usually implemented as a strategy when parents want to shift income to their child and reduce taxes, while also using them as a college savings strategy.

Tuesday, July 25, 2023

How do you find the right policy when there are so many to choose from and many of them seem so similar? The key is knowing how to compare policies and evaluate the results.

Tuesday, July 25, 2023

The phrase “treat yourself” has been trending for a while, and the good news is there’s some benefit to it! Placing money in your budget for splurges is important, but setting aside too little or too much can set you off the path of your...

Tuesday, July 25, 2023

Do you have the documents you need if you find yourself required to leave suddenly? Do you know how to get in touch with your financial providers? Here are five items you want to keep in a safe place as your financial first-aid kit...

Tuesday, June 27, 2023

It's difficult to imagine functioning in today's world without credit. Whether buying a car or purchasing a home, credit has become an integral part of our everyday lives. Having easy access to credit goes hand in hand with having a good...

Tuesday, June 27, 2023

With the wide variety of stocks in the market, figuring out which ones you want to invest in can be a challenging task. Here we look at the schools of thought, revolving around growth, value, and momentum investing...

Tuesday, June 27, 2023

Navigating elder care and elder care finances in the U.S. can be a challenge even for the most well-prepared households. Here we discuss a few of the options that can allow elders to maintain their independence while still accessing...

Tuesday, June 27, 2023

For parents and students trying to manage college bills and student loan payments, the federal government offers education-related tax benefits. The requirements for each are different, so here's what you need to know.

Thursday, June 1, 2023

Consider these three strategies that may help investors pursue financial independence on this Independence Day

Thursday, June 1, 2023

While each generation comes with its own array of financial challenges, the sandwich generation often feels a tight financial squeeze as they juggle the cost of care for their elderly parents with care for their children. Follow these six..

Thursday, June 1, 2023

The concept of a debt ceiling has been a topic of significant discussion lately. Families can benefit from adopting their own debt ceiling as a vital tool in creating a sound financial plan.

Thursday, June 1, 2023

Internal audits play a crucial role in the proper functioning and success of a business. There are several types of internal audits, each with a specific focus and purpose. Here are the main types of internal audits that business owners...

Wednesday, May 10, 2023

In many cases, annuities are the wrong vehicle for people, though in some cases an annuity makes sense. Annuities come with pros, cons and a huge heap of details...

Tuesday, May 9, 2023

As an investor, it's important to keep a close eye on the stock market indicators. Currently, the indicators are showing a concerning trend that investors should pay attention to.

Monday, May 8, 2023

Education investments can be more complicated than initially thought. Which plan should you choose and how do you decide? Here are some key details about 529 plans and other education savings options to help you decide which plan is...

Monday, May 8, 2023

If you’re looking for a new job or if you haven’t investigated your current job’s perks, these are the free, money-saving wellness bonuses you should consider for your mental and physical well-being.

Friday, April 28, 2023

529 plans are designed to accommodate the account changes that you may need to make over the years. Whether you need to change the account owner or beneficiary, your investment options, or your monthly contributions, here's what you'll need

Thursday, April 27, 2023

Whether you’re planning to start a long-delayed new business, go back to school, or perfect your golf swing, there is a retirement option out there for you. There are truly no limits to the places you can go as you begin this new phase of..

Wednesday, April 26, 2023

Investing in your own business makes sense; many businesses achieve significant growth each year. However, when you consider that many small businesses fold every year, it becomes clear that banking your retirement solely on the success of.

Wednesday, April 26, 2023

Financial goals are essential. Setting them will help you to obtain the things you want out of life as well as live the lifestyle you desire, both during your working years and in your retirement.

Monday, April 24, 2023

Teaching your children about finances may seem like a weighty topic; however, it does not have to be challenging. By opening the lines of communication early and demonstrating good financial decisions of your own, you may set your...

Monday, April 24, 2023

For small business owners, ensuring your investment is covered is critical to ensuring the survival of your business after you are gone. One of the ways in which small business owners do this is by applying for life insurance in the event..

Monday, April 17, 2023

So, you’re interested in volunteering as a family this season. That’s wonderful—and we commend you for your service! It’s always rewarding to donate your time to a charity that’s important to you.But...

Monday, April 10, 2023

Increasing your financial literacy may allow you to make better decisions about your money and your financial future. Many great resources are available to get you started on the path to financial literacy and to expand your current...

Monday, April 3, 2023

Most people know that once they approach retirement age, their reward for years of work comes from Social Security payments they put money towards during their employment. Deciding when to file for your Social Security payments is...

Monday, March 27, 2023

Mom-and-pop businesses have held a special place in the hearts of American consumers since the beginning of retail commerce in the USA. These family-owned, small businesses were America’s backbone before larger corporations began...

Monday, March 20, 2023

The Fair Credit Reporting Act of 1970 has stood the test of time, and the Consumer Credit Reporting Reform Act has provided additional protection to the American consumer. If you take the time to understand the credit reporting system...

Monday, March 13, 2023

In the U.S., men are investing and accumulating wealth at a greater pace than women, fueling the gender investing gap. Closing the investing gap is essential so that women accumulate enough retirement assets for their entire lives. On...

Friday, March 3, 2023

As more and more consumers search for financial information on the Internet, they may inadvertently leave themselves open to being “tracked” by certain companies and individuals. Visitors to financial websites have created...

Monday, February 27, 2023

There are many reasons why people save money. For some, it is so they can enjoy a certain amount of financial confidence and freedom, while others squirrel away money for emergencies or future plans like the down payment for a home,...

Monday, February 20, 2023

With healthcare costs continuing to rise, there are ways to help lower the cost of healthcare for yourself by becoming a wise consumer of healthcare. February is National Wise Health Care Consumer Month and a great time to empower...

Monday, February 13, 2023

What are business assets, and how do you decide whether to lease or buy them?In the context of the lease versus buy decision, "business assets" refers to fixed assets (such as buildings, machinery, and office equipment) that can...

Monday, February 6, 2023

Your life should run your money – your money should not run your life Every February, we celebrate Black History Month by reflecting and honoring the contributions and achievements that African Americans have made throughout...

Monday, January 30, 2023

Identity theft hits your finances, but also can affect your taxes too Identity theft is one of the fastest growing crimes in the United States, with as many as 10% of Americans over age 16 becoming victims last year, according to a...

Monday, January 23, 2023

Regardless of whether you prepare your taxes yourself or use a professional's services, it's a good idea to gather the information and documentation you need well in advance of your actual tax filing date. Below, we've listed some key...

Monday, January 16, 2023

Introducing structure to the chaos that tends to overtake your home will save you time and stress. You have items in your home right now that are not being used; these items can be repurposed into time- and money-saving projects. This...

Monday, January 9, 2023

Teaching children about financial wellness should start at an early age. Learning how making money, saving, and spending is related and the first step in teaching your child how to understand the value of money. Children learn from...

Monday, January 2, 2023

New Year’s resolutions tend to come with a lot of hype, but sometimes little return. Our lives get busier, and the promises we made to ourselves at the beginning of the year can lose their luster. But putting that energy into...

Monday, December 26, 2022

A business plan can help raise money and rally your leadership team around common objectives.Whether you're a current business owner or a budding entrepreneur burning with the next great idea, one of the most important steps you can...

Monday, December 19, 2022

It’s hard to believe we are already approaching the end of another year, and holiday season will soon be here. Since holiday spending doesn’t include just gifting, it’s essential to set your budget now. You may likely...

Monday, December 12, 2022

Things to Consider Going into “The New Year" (Year-End Planning Checklist) At the end of the year, it is necessary to reflect on your financial picture, review the last 12 months, and plan for the future. With all that is...

Monday, December 5, 2022

With the holidays here, now is the time to get into the giving spirit and help to change others' lives for the better. Whether you are looking to make a difference in a specific person's life or the life of many, there are many ways to...

Monday, November 28, 2022

While Black Friday and Cyber Monday center on consumer deals, Giving Tuesday—the Tuesday after Thanksgiving—has a different focus. Each year, individuals and corporations are encouraged to use the day to support charities...

Monday, November 21, 2022

Make sure you think about potential disruptions and plan ahead of time Families inherit money and sometimes make the right moves investing and spending. Inheritances can also ignite disruption, divorce and a host of bad behavior...

Monday, November 14, 2022

Entrepreneurs tend to be natural risk-takers but this doesn't mean committing to uncompensated risk. A wise entrepreneur considers their potential exposure before leaping into a new business venture, moving forward only on those...

Monday, November 7, 2022

Identity theft hits your finances, but also can affect your taxes too Identity theft is one of the fastest growing crimes in the United States, with as many as 10% of Americans over age 16 becoming victims last year, according to a...

Monday, October 31, 2022

Tax planning can be more advantageous when done during the year and well in advance of year’s end. Opportunities may exist for you to minimize tax liability, which could leave more income for you and/or your family...

Friday, October 21, 2022

For many, autumn is the best time of year. The return of cool breezes, comforting foods, and pumpkins can be invigorating. It’s also a bookmark of sorts, especially for your finances—a perfect time to take stock of your...

Tuesday, October 11, 2022

A well-structured estate plan can be invaluable to you and your familyIt is common for people to put off planning their estates. After all, no one wants to anticipate their death. In addition, many may believe that only the wealthy...

Wednesday, October 5, 2022

Your retirement is the reward after years of hard work and saving. You might dream of traveling, want to invest in a vacation home, or want to take up a new hobby. For an enjoyable retirement, saving is critical. Take charge of your...

Thursday, September 29, 2022

As a female entrepreneur, you may face different challenges than your male counterparts. For example, women were disproportionately affected by the COVID pandemic. 1 They also tend to earn less than their male peers—largely in...

Tuesday, September 20, 2022

September is self-improvement month and a great time to work on your financial health. When you think of self-improvement, you likely think of your health or career but may pay little attention to your finances. Getting your financial...

Thursday, September 15, 2022

Women own nearly 20% of the businesses that employ people in the United States, and countless more women run their businesses without employees. There are over one million women-owned firms. They employ over 10 million people and...

Friday, September 9, 2022

Your life insurance needs change as your life changes. When you are young, you may not have a need for life insurance. However, as you take on more responsibility and your family grows, your life insurance needs increase. Your needs...

Wednesday, August 31, 2022

Matching your tolerance for risk with your investment objectivesEveryone wants a comfortable retirement, but the road you take there will depend on your specific situation. When you invest, you assume a certain level of risk (but like...

Friday, August 26, 2022

As a woman, you have financial needs that are unique to your situation in life. Perhaps you would like to buy your first home. Maybe you need to start saving for your child's college education. Or you might be concerned about planning...

Friday, August 19, 2022

Many nonprofit organizations set out to help others. They provide services, guidance, support, or other resources to a specific group or cause. Yet, to do the work they do, they often need financial strength. Nonprofit organizations...

Friday, July 22, 2022

Anyone who has purchased a home or is currently looking to buy can tell you that credit score is one of the most important factors in securing a loan. It can affect a lot of other areas of your life, too, but it’s particularly...

Friday, July 22, 2022

It seems like only yesterday you were bandaging scraped knees and waving at the school bus, and now it's time for your child to choose a college. You may think a hands-off approach is best to avoid interfering, but it's important to...

Friday, July 22, 2022

Investing for your retirement isn't about getting rich quick. More often, it's about having a game plan that you can live with over a long time. You wouldn't expect to be able to play the piano without learning the basics and...

Monday, July 18, 2022

Disabilities may make it challenging to secure a job or stay financially stable. Luckily, there are now more ways than ever for adults with disabilities to gain their financial independence. Here are some important reasons adults with...

Friday, July 15, 2022

Determine who is best suited and motivated to ask you tough questionsYou tie your life to another’s in many ways with that ring on your finger: family, friends, jobs and where you live, to name a few. You also certainly combine...

Tuesday, July 12, 2022

The "sandwich generation" is the descriptive term for adults generally between the ages of 40 and 59 who are raising a minor child (or supporting a grown child) while also caring for a retirement-age or older parent. With financial...

Monday, July 4, 2022

Today, younger adults face a variety of challenges in their pursuit of financial independence. Some of these challenges are similar to those faced by previous generations, while others are unique to the times. Here are five financial...

Monday, June 27, 2022

A solid financial plan for small businesses is vital, and part of that financial plan should be insurance. Insurance is essential to preserve small businesses, cover their assets, and safeguard their employees. Here are some types of...

Monday, June 20, 2022

Sometimes we forget just how fragile a nest egg can be.When the economy tanked in 2008, retirees watched in horror as U.S. markets suffered historic losses. The Dow declined by more than 50%, its biggest drop since the Great Depression...

Monday, June 13, 2022

If you are planning a trip this summer that involves flying, not driving, you may incorrectly assume it is possible to avoid the effects of rising fuel prices. Unfortunately for flying travelers, airlines also face the pressure of...

Monday, June 6, 2022

Even though housing prices throughout much of the U.S. are at or near all-time highs, there are still many distinct financial advantages to owning a home.1 From tax benefits to capital gains exclusions and guaranteed rates of return,...

Monday, May 30, 2022

With the average cost of tuition and fees at private colleges exceeding $43,750 in 2021-22—while out-of-state public college students are paying nearly $30,000 per year—saving for college might feel like a monumental task...

Monday, May 23, 2022

When people think of life insurance, what usually comes to mind is settling the deceased's final expenses and providing financial support for their beneficiaries. Although these are the most common uses of life insurance, cash value,...

Monday, May 16, 2022

With the onset of higher taxes, taxpayers in the upper brackets may want to reposition their portfolios. Even those in lower tax brackets may benefit from portfolio review and reallocation of funds.   Consider the following: For a...

Monday, May 9, 2022

News headlines are often dominated by some of the world's largest businesses—from FAANG stocks soaring to new heights to Space X planning to send rockets to Mars. But the makeup of American companies includes more than just the...

Sunday, May 1, 2022

Retirement is an exciting change in your life, but not one that doesn't come with some ups and downs. When you no longer have as much responsibility for family and the daily challenges of work, it’s likely you may feel blue from...

Monday, April 25, 2022

Teaching your children about finances may seem like a weighty topic; however, it does not have to be challenging. By opening the lines of communication early and demonstrating good financial decisions of your own, you may set your...

Monday, April 18, 2022

When helping people get ready for retirement, financial professionals find the same issues come up over and over. Thinking ahead can spell the difference between a retirement with enough money and a stressful one with difficult...

Monday, April 11, 2022

As you near retirement, it's likely you'll have many questions about Social Security. How much will your retirement benefit be? When should you apply? Will earnings from a part-time job affect your benefit? Social Security has always...

Monday, April 4, 2022

April brings more than possible rain showers. It also marks Financial Literacy Month in the U.S. Whether you’re interested in a quick refresher or seeking to learn something new, it may be worth the effort to brush up on some...

Monday, March 28, 2022

At the foundation of your financial well-being lies your behavior Here is a statement that is bound to cause you to raise your eyebrows: Your long-term financial success may depend less on the structure of your portfolio than on your...

Monday, March 21, 2022

The Federal Reserve plans to unwind its bond borrowing since inflation has hit the highest level since 1980. While interest rates will stay near zero, for now, the Fed will start raising interest rates as early as March 2022. With a...

Monday, March 14, 2022

March is National Credit Education Month in the U.S., which makes it the perfect opportunity to brush up on your credit basics.1 Whether you're a credit novice or well-versed in the art of the FICO score, below are four ways to...

Tuesday, March 8, 2022

This year's National Consumer Protection Week is March 6th through March 12th. It's a time to educate people about their rights as consumers and how to make informed decisions about their money. Whether it's taking a hard look at your...

Monday, February 28, 2022

March 1st is Refired, Not Retired Day. It is a day for those retired or close to retirement to start thinking about their next stage in life. It is a day not to reinvent, rekindle, and refire your life, focusing on what is ahead...

Monday, February 21, 2022

Developing effective strategies for pursuing your goals within the limits of your particular financial circumstances can be difficult. Each stage of your life may create new financial challenges. Sending your child to college,...

Monday, February 14, 2022

February is Black History Month, which is a time to celebrate achievements by those of Black or African American heritage and recognize their central role in United States history. While it is important to celebrate Black History in...

Monday, February 7, 2022

Regardless of age, we all value our independence. We like to come and go as we please, running errands, going grocery shopping, and driving to appointments. But what happens when an aging parent, spouse, or relative is no longer...

Monday, January 31, 2022

A pre-retirement checklist to make early (or earlier) retirement a reality  As we make our way through 2022, maybe the dream of early retirement has begun to take shape in your mind. Maybe you’re researching when you might...

Monday, January 24, 2022

When you hear the term identity theft, the first thought that comes to mind may involve a data breach or opening a credit card in someone else's name. But another common type of identity theft involves the use of someone's Social...

Monday, January 17, 2022

Financial stress can have a direct negative impact on a person's health and happiness. Unfortunately, this may lead to a downward spiral. The more stress you're feeling, the larger your financial hurdles may seem, and the more you...

Tuesday, January 11, 2022

Regardless of whether you prepare your taxes yourself or use a professional's services, it's a good idea to gather the information and documentation you need well in advance of your actual tax filing date. Below, we've listed some key...

Monday, January 3, 2022

At the beginning of each year, and regularly after that, it may be a wise idea to take stock of finances and make some changes to help improve your financial life. Here are five resolutions you may make to increase financial...

Monday, December 27, 2021

The pain of losing money is worse than the pain of missing out on gains Right now, stock markets are up smartly for the year, but this might not be the time to start buying. Remember that it can be dangerous to start investing at the...

Monday, December 20, 2021

The SECURE Act made some lasting changes to how required minimum distributions (RMDs) from retirement accounts work. There is a 50% penalty on any RMDs not withdrawn on time. Because of the changes, investors and financial...

Monday, December 20, 2021

LPL Research Outlook 2022: Passing the Baton is designed to help you navigate the risks and opportunities over the rest of 2021 and beyond. While the economy continues to move forward, we’re still feeling some aftershocks of...

Monday, December 13, 2021

For some, it’s easy to put personal finances on the back burner during the last few months of the year. However, before the year comes to an end, it’s essential to review your finances. By doing so now, you can make the...

Tuesday, December 7, 2021

With the holidays here, now is the time to get into the giving spirit and help to change others' lives for the better. Whether you are looking to make a difference in a specific person's life or the life of many, there are many ways to...

Tuesday, November 30, 2021

It may be easy to forget we're nearing the end of the year. Even during the busy end of year rush, it's a good time to reevaluate your 2021 finances and turn an eye toward 2022. What can you do now to potentially improve and streamline...

Tuesday, November 23, 2021

Knowing the different types of investment risk can help you cope with market volatility. When was the last time you checked your retirement plan balance? If your balance was less than it was the last time you checked, you probably felt...

Tuesday, November 16, 2021

One of the cornerstones that helped build America is the opportunity for free enterprise. While successive generations of Americans have been following the spirit of their forefathers by building their own businesses, the recent and...

Tuesday, November 9, 2021

Many of us grew up in a world where it was customary to be friendly, courteous, and trusting. Unfortunately, assumptions concerning these standards of conduct can sometimes get us into trouble. Con artists offering a variety of...

Tuesday, November 2, 2021

Remember when your children were little and they came down with the flu? You lovingly nursed them back to health. You nursed them through colds, the measles, and chicken pox. You kissed their boo-boos and bandaged their scraped knees....

Tuesday, October 26, 2021

As cloud storage becomes more common, data security is an increasing concern. Companies and schools have been increasing their use of services like Google Drive for some time, and lots of individual users also store files on Dropbox,...

Tuesday, October 19, 2021

As more and more women assume leadership roles in businesses, it is changing the attitude and sometimes even the future of the workplace. Female bosses may teach business leaders a lot about engaging with employees, promoting their...

Tuesday, October 12, 2021

If you've moved beyond basic financial advice—live below your means and set aside funds for a rainy day—you may be wondering what to actually do with these rainy-day funds. With inflation on the rise, keeping excess cash in...

Tuesday, October 5, 2021

In 2013, a Gallup poll found that only about one in every three U.S. households maintained a budget.1 A 2021 survey of 1,000 Americans found that 80% now say they have a budget.2 Americans are budgeting more due to the pandemic....

Tuesday, September 28, 2021

If you’re a small business owner, you’ve invested a great deal of time and effort into building your company. With day-to-day demands, it may be difficult to imagine your eventual transition into retirement. Yet, if you...

Monday, September 20, 2021

Changing Times, Changing Needs When Judy purchased her life insurance policy 10 years ago, she thought her insurance planning was complete. She assumed that if she paid her premiums on time, she could sit back and not think about life...

Tuesday, September 14, 2021

Implementing a 401(k) plan for your employees is good business. It means you're thinking strategically, that you care for your employees, and are focused on the long-term health of your company. Implementing a retirement plan: Can help...

Tuesday, September 7, 2021

Imagine your reaction to the following scene: You return home from work one night to find your teenage daughter running gleefully about with a letter in her hand. When you calm her down, she tells you that she has just been accepted to...

Tuesday, August 31, 2021

Whether you manage a trust for someone else, are the beneficiary of a trust, or are thinking of creating a trust, you probably have some questions about the "best practices" of trust management. A well-managed trust can help preserve...

Monday, August 23, 2021

Stagnant wage growth, rising inflation and low interest rates are real issues The idea of retiring at age 65 with a gold watch and a fully-funded retirement account is a quaint notion for many Americans. Amid stagnating real wages,...

Tuesday, August 17, 2021

As of 2017, about two-thirds of all nonprofit organizations in the U.S. had annual budgets of less than $1 million.[1] For these non-profit organizations where every penny has a purpose, having the services of a financial professional...

Tuesday, August 10, 2021

You’re already sharing a life, now it’s time to share some important info to get your matrimonial journey off to a great start. Congrats on your recent nuptials! Now that you’ve said the vows and enjoyed a relaxing...

Tuesday, August 3, 2021

In July 2021, nearly 40 million U.S. families are set to begin receiving $250 or $300 per month in child tax credit payments through the end of the year.1 But what could you expect at tax time in 2022? Could you end up owing the IRS if...

Tuesday, July 27, 2021

Small business owners should conduct an annual assessment of their personal finances. Owners of small businesses have much the same concerns as everyone else, except they are personally responsible for the fortunes of their enterprise....

Tuesday, July 20, 2021

Cafeteria plans present bewildering (but personal) choices for your family In the past, employee benefits were selected from a “fixed menu” with no choices available. If you were fortunate, your employer provided a...

Tuesday, July 13, 2021

Fear-of-missing-out is a very real emotion – but it can derail your portfolio Every day we’re bombarded with reports of what’s hot and what’s not – fueling a fear-of-missing-out (FOMO) on some great...

Tuesday, July 6, 2021

Why the inflation rate doesn’t tell the whole story – all it takes is a spike in a category like used cars to cause consumer prices to soar Markets, economists and policymakers have been fretting about inflation for months,...

Tuesday, June 29, 2021

Financial wellness is the ability to have a healthy financial life and feel good about your financial situation. Financial wellness doesn't have just one meaning because it can mean something different to each person. Financial...

Tuesday, June 22, 2021

Many Americans are stressed over money issues related to COVID-19, according to a 2020 Survey by The National Endowment for Financial Education. The media may report a strong U.S. economy is emerging, but many people experience stress...

Tuesday, June 15, 2021

It is human nature to seek advice when things aren't going well or when an unforeseen event occurs. Often, people seek financial advice from a professional only when the stock market and their investments are experiencing turbulent...

Tuesday, June 8, 2021

After the financial crisis, and throughout the COVID-19 pandemic, Americans examined how and why they invest. Many investors that had their entire wealth tied to the stock market proved to be more destructive than having alternative...

Tuesday, June 1, 2021

As a physician, you've devoted a lot of time to educating yourself, building a career, and providing top notch care that enriches your patients lives, and in the midst of all that, it can be easy to overlook your finances. To ensure...

Saturday, May 29, 2021

Grandparents can often find themselves in a better financial position to save for their grandchildren's education than their own children are. The parents of prospective students may still be contending with competing priorities like...

Tuesday, May 18, 2021

Retirement is inevitable, but knowing exactly when to do so is often unclear. No matter when you actually begin your retirement, you’ll benefit from planning your post-work life as early as possible. According to Gallup, the...

Tuesday, May 11, 2021

In an effort to save money, the Social Security Administration (SSA) stopped mailing annual statements nearly a decade ago. The yearly statements were helpful, as they helped workers estimate their Social Security benefits. Despite...

Tuesday, May 4, 2021

If you're a small business owner, many of the best practices employed by individual investors are also available to you (of course!), but you also have some additional options and factors to weigh while creating your investment plans....

Tuesday, April 27, 2021

Financial feats that were once unheard of—from investing in cryptocurrency to instantly paying someone through an online payment system—have now become commonplace in many parts of the country. But these sophisticated tasks...

Tuesday, April 20, 2021

You‘ve saved for years. Now that you are retired, did you create an income plan from your savings? The financial industry and media constantly talk about the need to save for retirement. Put money into your 401(k), contribute to...

Tuesday, April 13, 2021

Many have heard Social Security retirement benefits referred to as part of the "three-legged stool" of retirement: Social Security, a pension or defined benefit plan, and personal savings.1 The idea is that with these three sources of...

Tuesday, April 6, 2021

Most people who decide to purchase stocks, bonds, mutual funds, or other investment vehicles do so understanding that there are risks associated with investing, but believing that the potential growth they may realize over time...

Tuesday, March 23, 2021

Women play a central role in establishing and preserving family wealth -- whether nurturing the values of children, fulfilling charitable goals, or making investment decisions that affect the financial security of themselves or their...

Tuesday, March 16, 2021

When you're first starting out with your own business, you're likely to be focused more on staying afloat than on contingency planning. But as your family business expands and grows, it's important to ensure that this is done in a...