Today, many people find themselves inundated by a constant stream of financial news from television, radio, and the Internet. Yet, does all this information and real-time data really help you manage your finances any better than in the past? The truth often is that the “old-fashioned” practices, such as periodic financial reviews, can lead to greater confidence in the long run. As the year passes its midpoint, why not spend a few hours reviewing your finances? The changes you make to
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A Mid-Year Financial Plan Review Makes Sense
June 5, 20266 Ways to Organize Your Wealth and Prepare for a Confident Retirement
June 5, 2026Do you consider yourself a wealthy individual? Most people tend not to categorize themselves or see themselves as anything more than a spouse, parent, sibling, neighbor, boss, or business owner. However, society does classify people. Wealthy people typically have at least $1 million in cash or assets that can be converted to cash easily, which could make planning for retirement more complex.i Organizing your financial life can seem daunting at first, so here are six ideas to help you get started
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How to Address Wealth Management in Today's Market Environment
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Addressing wealth management comprehensively in today's market environment is essential for individuals and business entities. Given the dynamic nature of global markets and the ever-changing economic landscape, navigating investment and wealth preservation paths can prove complex. Therefore, a comprehensive understanding of some fundamental principles becomes vital. Understanding wealth management First it's essential to understand what wealth management entails.
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Reducing Credit Card Debt Without Depriving Yourself
April 22, 2026
Credit card use can be beneficial to your finances if managed appropriately. Learning to balance credit card use with spending habits while also saving can positively impact your finances over time. Credit card use often helps increase one's credit score if the balances are paid in full each month and on time. However, mismanaging credit or carrying balances over time can lower credit scores and be a risk to your financial future since lenders use credit scores to assess creditworthiness on
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The Ultimate Guide to Navigating Tax Filing Season for 2025
February 1, 2026
Get ready for tax season with our 2025 guide—learn filing tips, tax rates, credits, and strategies to make filing simple.
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How to Find the Tax Preparation Method That Works For You
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Each year when tax season rolls around, it comes with the burden of figuring out how to file your taxes correctly. The good news is that there are several ways to prepare and file your taxes, depending on your needs and the complexity of your taxes. Whether you’re trying to save money, increase your refund, or need professional tax advice, here are different methods to consider that can help you select a tax filing process that may be appropriate for your circumstances.
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Spreading Good Cheer Through All the Year: How to Make Giving Back a Habit
December 19, 2025
Discover how to make giving back a year-round habit. Learn practical tips to spread good cheer beyond the holiday season.
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Making Your Money Work for You Through “Giving” Strategies
December 11, 2025
Part of the joy of making money and building wealth is not solely the aim to live a flexible life of convenience; it is also giving to those we love. Typically when we think of passing down money to loved ones, it is through a will drafted years earlier or even an estate plan. However, other giving strategies may help you preserve your wealth, so more of it goes to those you love.
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Too Good To Be True? 4 Black Friday and Cyber Monday Scams and How To Spot Them
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Black Friday and Cyber Monday are two of the greatest days to score deals for holiday shopping. Unfortunately, with amazing deals plentiful, some scammers use these days to take advantage of shoppers looking for the greatest bargains on items they need. Try to shield yourself during this holiday shopping season by understanding the type of scams these criminals perpetrate and how to spot them.
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7 Estate Planning Topics to Discuss with the Family over Thanksgiving Dinner
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One of the more difficult conversations for family members to have is talking about estate planning. There are several reasons for this, including the reality of our own mortality and that of our loved ones. In some families, it is an unspoken taboo to talk about money.
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A Business Owner’s Guide to Long-Term Care Planning
November 10, 2025
This infographic tells you a few things about Long-Term Care Planning. Learn why LTC insurance is crucial for business owners, the emplorer benefit perks, and key considerations for business owners.
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How to Find the Best Deals for Long-Term Care Planning
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There is no guarantee you are going to skate through life blemish-free. Your seemingly invincible parents may be finally showing signs of their age, and you could start to wonder about what you would do in that situation. The one constant we all share is the inevitability of getting old and having our bodies and minds potentially decline. Do your parents have adequate long-term care plans and resources to fund them and for how long? It may be a reality check for you too.
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How Will My Children Pay for College? 7 Tips to Help You Plan, Save, and Pay
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As a parent, one of the most significant concerns is ensuring that your children have the financial resources they need to pursue higher education. With college tuition costs continuously rising, it's no surprise that many parents stress about their children's future college expenses.
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A Beginner's Guide to Tax-Smart Retirement Withdrawal Strategies
May 3, 2024
For many, retirement is the phase of life to kick back, relax, and enjoy the fruits of years of working and saving. However, financial decisions before and during retirement can significantly influence our quality of life and tax liability. Therefore, employing tax-smart retirement withdrawal strategies may help you maximize your retirement nest egg.
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Get More Out of Your Social Security Benefits With These Tips
May 3, 2024
Social Security benefits are critical to retirement planning. These monthly benefits provide a financial safety net for millions of Americans. But you must navigate the system strategically to get the most out of your Social Security benefits. Here are some valuable tips to help you manage your Social Security benefits that may make your retirement more comfortable.
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Money Matters: Financial Literacy For The Whole Family
May 3, 2024
Financial literacy is crucial, not only for adults but for everyone in the family. When you have a good foundation of financial literacy, you will have a greater understanding of money and prepare yourself for a brighter financial future. Ready to improve the financial literacy of your family? Below are a few ways to get started.
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Five Tips to Ensure You Are Prepared for Long-Term Care in Retirement
April 3, 2024
As Gen X-ers and Millennials move toward retirement, long-term care expenses are poised to make up an even larger share of their retirement expenses. In 2021, long-term care cost American adults an average of between $35,000 and $108,000 annually—a hefty price tag for even the most diligent savers.1But if you start planning early and focus on your goals, preparing for long-term care doesn't need to be an insurmountable hurdle. Here are five tips to help guide your path. Understand What
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The Best Investment: Teaching Your Children to Save and Invest
April 3, 2024
A 2022 Gallup Poll found that 58% of all adult Americans own stock. The top 1% owns more than half the total amount invested among those who own stock. 1 Making investing possible for your children, nieces, nephews and other loved ones may be the key to improving their financial future and getting them off to a good start in adulthood. Here are a few ways to help your children develop good habits regarding saving and investing. Start Them Saving EarlyIf you start your children early with go
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Which Student Loan Repayment Strategy Is Appropriate for You?
April 3, 2024
When it comes to repaying your student loans, one size does not necessarily fit all. The key to a manageable repayment plan is to find a strategy that works well for your goals, budget, and lifestyle. Here is some questions to help you assess a student loan repayment plan for your situation. Is Refinancing Always the “Best” Option? Although refinancing may be a great way to lower your interest rate, consolidate multiple loans into one simple payment, or extend your loan term and low
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Navigating a Layoff in the Technology Industry
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Facing a layoff from your job can be an unsettling experience, especially in the dynamic and ever-evolving landscape of the technology industry. Financial professionals with years of experience guiding individuals through periods of transition may understand the unique challenges and uncertainties that come with job loss, particularly for those who are just beginning their careers in the tech sector.
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Everything You Need to Know About 529 Plan Withdrawals
April 3, 2024
529 plans can be used in every state to pay for education expenses at private K-12 and secondary education institutions such as in-state and out-of-state colleges, universities, and technical colleges. 529 plans are qualified tuition plans that allow state and federal tax-free withdrawals of earnings when used to pay for qualified education expenses. When it's time to withdraw funds from the 529 plan, you must follow the IRS rules to mitigate penalties.
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Social Security Simplified: Common Questions and Answers
March 18, 2024
Most American workers who earn wage income and pay Social Security taxes via withholding receive Social Security benefits at some point in retirement. While the Social Security Administration has tried to make the process easier to understand and navigate, many questions remain.
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Worried About Life After Work? Get More Out of Your Social Security Benefits Wit
March 18, 2024
Social Security benefits are critical to retirement planning. These monthly benefits provide a financial safety net for millions of Americans. But you must navigate the system strategically to get the most out of your Social Security benefits. Here are some valuable tips to help you manage your Social Security benefits that may make your retirement more comfortable. Understand Full Retirement Age Your full retirement age (FRA) is from age 66 to 67, depending on the year you were born.1 Your FRA
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Social Security Isn’t Enough: How Social Security Fits into a Well-Rounded Retir
March 18, 2024
If you're nearing retirement age, you know the Social Security process and how much you will likely receive. With that information, you may have also anticipated that your Social Security benefit would not be enough to sustain you in retirement and, by itself, would not fully allow you to enjoy your retirement plans.
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College Cost Data Released for 2023-2024
March 18, 2024
Every year, the College Board releases new college cost data and trends in its annual report. The figures published are average cost figures based on a survey of approximately 4,000 colleges across the country.
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2024 Challenge of 401(k) Catch-Up Contributions
March 18, 2024
Retirement planning has become a puzzle of intricate legislation, and the recent changes brought about by the SECURE 2.0 Act have only added more complexity.
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2024 Contribution Limits: What’s New?
December 25, 2023
Life today is expensive, and contributing to a retirement plan is more beneficial than ever. Recently, the IRS announced it was raising the contribution limit for 401(k)s to $23,000 for 2024, up from $22,500. In a world where pensions are nearly gone, having the ability to put more money away can help you prepare for a retirement that may be here faster than you think.
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A 12 Days of Christmas Financial Planning Checklist
December 18, 2023
The Christmas season is an excellent time of the year to review your financial planning strategy. Our finances are top of mind as most of us are monitoring our spending as the holiday and new year approaches. Here is a 12 days of Christmas financial planning checklist to keep you off Santa's naughty list.
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Spreading Holiday Cheer with Year-End Giving
December 11, 2023
The holidays are nearly upon us-- a time of giving, goodwill to others, and embracing traditions. For many people, giving to a charity or organization that aligns with your values provides a sense of fulfillment. If you itemize deductions on your income tax return, you can deduct gifts made to charities. Here are six year-end giving strategies to spread holiday cheer with the additional gift of potential tax benefits.
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2023 Year-End Tax Tips
December 8, 2023
Here are some things to consider as you weigh potential tax moves between now and the end of the year.
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Saving for Your Retirement
December 1, 2023
When do you plan to retire? What kind of lifestyle do you desire? These are all factors you will need to consider when you determine how much you'll need.
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Choosing a Retirement Date: Is the End or First of the Year Better?
November 21, 2023
There are only 24 hours of separation between the last day of the year and the first day of the new year. Nevertheless, choosing the official calendar date of your retirement to be in one calendar year over another is not a trivial decision. The date you choose for retirement may mess with your retirement money, may cost you more (or less) in taxes, and might cause you to lose bonuses or benefits.
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High-Net-Worth Individuals and the Benefits of Philanthropy
November 9, 2023
High-net-worth (HNW) individuals have investable assets of a million dollars or more. Their substantial monetary resources often put them in a position to contribute monetarily and significantly improve society. The value of philanthropy extends far beyond the immediate beneficiaries of the HNW individuals' contributions.
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Shutdowns and the Impact to Financial Markets
November 6, 2023
Government shutdowns have become a recurrent feature of American politics, with their origins dating back to the late 20th century. These shutdowns, which occur when the U.S. government fails to pass a budget or spending bill, can have profound effects on various aspects of society. Among the most significant consequences are their impact on financial markets, particularly bond and equity markets.
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How Much of Your Income Should You Save?
October 20, 2023
Saving money is a fundamental aspect of personal finance that can significantly impact your financial security and future goals. However, determining the ideal amount to put away isn't a one-size-fits-all equation. Here are a few tips to help you find a savings amount that works for you.
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Valuing Liabilities Like Assets: A Comprehensive Financial Perspective
October 20, 2023When the topic of financial planning comes up, most individuals naturally gravitate towards the idea of growing their assets. Stocks, bonds, real estate, and retirement accounts usually dominate these discussions. However, a comprehensive financial strategy doesn't only involve focusing on what you own, but also on what you owe. Liabilities, or the debts one owes, are just as crucial to understand...
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