3 Steps to Start a Budget
Whether you are starting your first job or have been retired for ten years, creating and maintaining a budget is critical to set yourself up for financial success. A budget can help prioritize long-term saving, reduce the amount of credit card or debt-related spending, and [...]
What is Disability Insurance?
Disability insurance is a type of insurance that will provide income in the event a worker is unable to earn a living due to a disability. This type of insurance is important as individuals are significantly more likely to suffer from a disability than premature death [...]
Mutual Funds vs. ETFs
If you are new to the investing world, you might find the prospect of choosing individual stocks and bonds to be incredibly time consuming and complex. You may have personal connections to certain brands, but how can you decide whether purchasing Amazon, McDonald's, or Nike stock [...]
Five Common Questions on 529 College Savings Plans
Paying for college is one of the largest financial obligations for most parents. To make things more difficult, the cost of attending many public and private colleges has consistently increased at a rate above inflation for the past 30 years.1 Fortunately, there are tax-efficient ways to save for college [...]
Mutual Funds vs. ETFs
If you are new to the investing world, you might find the prospect of choosing individual stocks and bonds to be incredibly time consuming and complex. You may have personal connections to certain brands, but how can you decide whether purchasing Amazon, McDonald's, or Nike stock [...]
Market Capitalization: What are Large Cap and Small Cap Stocks?
Your financial advisor may mention that your portfolio includes small cap stocks or large cap stocks. Understanding the difference is an important aspect of managing potential risks and expected returns for your investments. The world of equity investing can be overwhelming. There are many classifications of equities that investors [...]
Stocks vs. Bonds
Stocks and Bonds are two financial instruments that are typically the core of any investor’s portfolio. But do you know exactly what constitutes a stock or bond, or whether you should invest in a stock, a bond, or both? This primer gives a brief overview of what stocks and [...]
What is the Stock Market?
Many people are familiar with the term “stock market,” but few actually understand what a stock market is, as well as its role in the economy. A stock market generally refers to an exchange where investors buy and sell shares of equity securities that represent ownership in a vast [...]
What is Disability Insurance?
Disability insurance is a type of insurance that will provide income in the event a worker is unable to earn a living due to a disability. This type of insurance is important as individuals are significantly more likely to suffer from a disability than premature death [...]
Long-Term Care Insurance
On average, an American turning 65 today will incur $138,000 in future long-term care costs.1 One in seven adults will have a disability for more than five years, and the median annual cost of nursing home care in the US is $100,3752. Given these statistics, a sound retirement plan should [...]
Five Simple Year-end Tax Planning Strategies:
The end of 2018 is fast approaching. Thanksgiving flew by, and now it’s time to make sure holiday presents and plans are set as we gear up for cold weather and special times with family and friends. It’s a busy time, but don’t forget – your finances can use [...]
The Marital Home in Divorce – Emotions vs. Economics
As someone contemplates divorce, one of the most common concerns, after custody of the children is whether either spouse will be able to continue living in the marital home. Most likely, the home has significant emotional meaning. It could represent heartfelt memories of raising your family during happier times [...]
For better or for worse? Not when it comes to your credit
People in the midst of a divorce are most likely thinking about the future well-being of their children, cash flow, living arrangements, or even employment options. The last thing on their minds is probably their credit. I am here to tell you that your credit is also important and [...]
Estate Planning in the Digital Age
You are likely familiar with traditional estate planning that utilizes documents like wills and trusts to dictate how your assets such as your bank and investment accounts, home, and personal belongings are distributed after your passing. But have you also planned for what happens to your digital assets after [...]
What is a Trustee?
A trustee is a person (or company) who has been entrusted by the grantor (the person who created the trust) to carry out the terms of the trust on behalf of the beneficiary. For legal purposes, the trustee is considered the owner of the assets in a trust. A [...]
The Complexity of Retirement Planning
After graduating from college, typically you begin a career and (hopefully) start saving for a rainy day. Years quickly pass and before you know it you might be married with children. Soon after the children arrive, you begin planning for their college. Next, you hear relatives and friends discussing [...]
3 Steps to Start a Budget
Whether you are starting your first job or have been retired for ten years, creating and maintaining a budget is critical to set yourself up for financial success. A budget can help prioritize long-term saving, reduce the amount of credit card or debt-related spending, and [...]
Five Common Questions on 529 College Savings Plans
Paying for college is one of the largest financial obligations for most parents. To make things more difficult, the cost of attending many public and private colleges has consistently increased at a rate above inflation for the past 30 years.1 Fortunately, there are tax-efficient ways to save for college [...]
Make 2019 Your Year of Financial Clarity
January is the time where you can’t avoid those articles and conversations discussing the best New Year’s resolutions and how to make this year your greatest. This article is different in that we would like to offer you the tools, support, and partnership to get [...]
Next Step In Women’s Empowerment – Taking a Stand With Your Finances
Women are speaking up more and more these days. Speaking up for what they believe in….equal opportunities, equal pay, a safe work environment, having their voices heard in political matters, and their overall right to be happy. Redefining Roles As a Financial Advisor, I meet many women who have [...]