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Achieving Success
Achieving Success As the year comes to an end, it’s a good time to reflect upon the year behind us. The good things, the bad things, and the success we achieved along the way. Sometimes we rely upon favorable circumstances to...
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A Financial Checklist for the Holidays
When you think of holiday planning, you probably think of getting the house ready for the season. But there’s another house you need to get in order—your financial house. Here are a few tasks to consider before year-end to...
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Warren Buffett Says, "Don't Watch."
Have you ever heard the expression, "If you love sausages, never watch how they're made?" The same is true of stock prices. Warren Buffett once said, "I would tell Investors, don’t watch the market closely." In recent weeks, oil...
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Magnifying the Present
Magnifying the Present It is human nature to focus more on the present than the future, which is in line with our basic instinct of survival. We focus on the present because that is where “life happens” and we experience...
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Find the Right Insurance Plan for you
Open enrollment is coming up soon, and it's important to know about all your insurance plan options before deciding which one is right for you. Two options you could have are a Health Savings Account plan (HSA) and a Preferred...
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You’re Invited: IN THE ROOM with Dr. Jeremy Siegel
You’re invited to an exclusive conversation with Jeremy Siegel, professor, writer, Senior Economist with Wisdom Tree, and renowned expert on the economy and financial markets. Siegel’s research on the superior value of...
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Timing the Market
Timing the Market Why is it that many investors feel the urge to time the stock market? Since 1950, stocks have been in a bull market 83% of the time – despite all the crises and corrections.1 You would think investors would be...
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Pay Off Student Loans The Smart Way
6 Tips for Paying Off College Debt Get ahead of paying off your student loans. For many, student loans are a necessary debt—a means of paying for college and earning a degree that could potentially put life-changing career...
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The Advantages of Low Expectations
The Advantages of Low ExpectationsWe all want desirable outcomes – those outcomes that bring us happiness, peace, and prosperity. Because we desire such outcomes, we may go into situations having high expectations. But it may be...
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Concerned You’ll Outlive Your Money?
Americans are living longer than ever and that, of course, means they need more and more retirement savings. According to the CDC, we’re living to age 78.6 on average.1 That’s a lot of candles on the cake.Using...
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Bridging the Earning Gap
Did you know that women reach their peak earnings at age 44—a full 11 years before men?1 There are a variety of reasons for this gap—including trends for specific career fields, the choice to start a family, and...
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Who Will Inherit Your Estate?
If you want to review whether your estate plan reflects your wishes, you can contact the office at any time.When preparing their estate plans, most people decide to leave their estate to one or a combination of three beneficiaries:...
Read MoreInvestment Advice From Warren Buffett
Recent Investment Advice from Warren BuffettInvesting may be simple in principle, but it isn’t easy in practice. Markets and economies are fraught with uncertainty, constantly changing news and markets, and how great some other...
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5 Financial Tips For Every Military Family
Military members and their families face one-of-a-kind challenges, such as deployment to conflict zones, overseas assignments, and the constancy of change, all of which make dedicating time to personal finance a challenge.Luckily,...
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Take Control of Your Finances
Feel like your finances have more control over you than you have over them? Or like you're in a financial hole and just keep sinking? There are ways to take back control of your spending and regain control of your finances.Explore...
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Understanding Retirement Account Distribution
Planning your retirement income distribution requires a multi-step strategy and budget for all of your income and spending expectations in retirement. For the most accurate plan that best reflects your financial circumstances, start...
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Should You Pay Your Mortgage Off Early?
We all know there are various tactics for building long-term wealth. Paying off your mortgage early may be an option for some. However, focusing on investing money or paying off other debts first could be more beneficial than early...
Read MoreThe Eventual Recession
The Eventual RecessionSince early last year economists, market experts, and even corporate CEOs were predicting a recession for this year. Most of them said it would happen early in the year.1 A recession was the consensus view among...
Read MoreProtect yourself from identity theft with ID360
Identity theft is a systemic and ever-changing risk that continues to unleash significant new threats to personal security. No one is immune to these evolving tactics to acquire sensitive information, which can leave individuals...
Read MoreA Handy Estate Planning Checklist
As you travel on the journey of life, you’ll inevitably build up an estate that one day your loved ones will inherit. These details are all handled in your estate plan. An estate plan acts like a roadmap for your heirs by...
Read MoreDo You Know the Difference Between Retirement Plans?
At one time, retirement accounts were straightforward. These days, there are many retirement account options, leading to confusion and questions. Let’s review some key differences between sponsored retirement accounts and...
Read MoreEncourage Greater Employee Participation in Their Retirement Plans
Now that you’ve decided a 401(k) plan works for your company, where do you go from here? You can either take time to DIY your plan, or you can let a financial professional do it for you. With experience in serving to small to...
Read More529 Plan 101
Many parents today suffer from sticker shock when they learn what it costs to send their children to college. While the cost of college can be a hard pill to swallow, it’s never too early to get familiar with a 529 college...
Read MoreApril Is Financial Literacy Month
April marks the start of Financial Literacy Month, a nationally recognized movement to promote and support financial understanding in children and teens. For many, it's a fantastic opportunity to teach and connect with their children...
Read MoreManaging Finances During a Hardship
Difficult situations—like losing a partner, getting laid off, or having to close a business—are impossible to completely prepare for. Having a sound financial strategy can help you weather the storm and safeguard your...
Read MoreManaging Your Finances in Your 70s and Beyond
Congratulations! These are your golden years. You’ve worked hard to raise a family, build your career, and save your money—now it’s time to relax and reap the rewards of a lifetime of sensible financial strategy.How...
Read More6 Vital Questions You Need to Ask When Planning for Retirement
6 Questions to Ask When Planning for RetirementFinancial security in retirement doesn’t happen by accident. Planning for a financially independent retirement involves more than just putting money away into a savings account and...
Read MoreEasing into Retirement
There’s good news for the growing number of Americans approaching retirement age who are ready to scale back, but aren’t ready to completely stop working: Work-from-home jobs give you more options than ever before, whether...
Read MoreManaging Your Finances in Your 60s
With retirement closing in, your 60s are all about making sure you have the right plan in place.Here are some great ideas to implement in your 60s.Make an estate plan. If you don't already have a will, put creating one at the top...
Read MoreActing Like an Investor
Acting Like an InvestorMany investors today unknowingly act like speculators. How do I know this? Because they are more concerned and influenced by short-term stochastic changes in stock prices than in the underlying fundamentals of a...
Read MoreStrategies to Lessen Your Credit Card Debt
Reduce Your Credit Card DebtCredit card debt doesn't have to keep you from fulfilling your financial goals.Not all debt is bad. Mortgage and auto loans are often necessary, but credit card debt can be sneaky – it usually starts...
Read MoreWhen Less Can Give You More
When Less Can Give You More We are generally in the pursuit of more. More income, more recognition, more opportunities, more happiness etc.… Because “more” often results in desirable outcomes, it is natural to...
Read MoreHow Are You Funding Your Future?
Why Should You Invest in a 401k?There are so many other things to think about besides saving for retirement. You, like so many people, may want to avoid worrying about it until you have the rest of your financials in order...
Read MoreA Reliable Forecast for 2023
No matter how much we wish, no one can predict the market. No one will know when to go to cash and when to go all in. Like a broken clock, sometimes forecasts can be correct, but they lack persistence. Our forecast is persistent and...
Read MoreThe Importance of Good Credit
Did you know that it wasn’t so long ago that women faced challenges in obtaining credit? In the 1960s and 1970s, legislation provided women with equal access to credit opportunities, paving the way for their independence and...
Read MoreEstate Planning: Tough Conversations, Tough Decisions
Creating an estate plan is an essential component of your financial life, but one that can lead to uncomfortable conversations. For one, it forces us to discuss that none of us will live forever. And, it may reveal details about your...
Read MoreAccessing Your Emergency Savings
By nature, emergencies are unpredictable. That’s why it’s so important for your emergency savings to be readily accessible when you need fast access to cash. Yet, many people “lock up” cash and short-term...
Read MoreFinancial Changes Caused By Divorce
Divorce could affect more than you expect.No matter how you look at it, divorce is a difficult and turbulent time. Ending a marriage can strain relationships, emotions, friendships and finances. It also involves some tough decisions...
Read MoreLife Insurance at an Early Age
Perhaps you’ve heard the maxim, “Preparation is the key to success.” But when it comes to life insurance, knowing when to prepare is almost more important than the preparation, itself.Sure, it can be difficult to...
Read MoreReasons Not to Write Your Own Will
Ever considered writing your own will? While you can draft a will on your own, there are plenty of reasons why you may not want to go that route. Most people do it to save money, but they may overlook or forget to take care of some...
Read MoreSECURE Act 2.0
I trust everyone had a wonderful holiday season. Whether you reached your personal goals last year or faced challenges, a new year brings new opportunities and a fresh start.Let’s jump right into this month’s topic. The...
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