Our blog is full of articles, newsletters, and firm news releases.

Monday, September 26, 2022

With the recent and prolonged market volatility and economic uncertainty, many investors are feeling nervous. These five facts will help you calm your nerves and focus on your long-term plan.

Monday, September 19, 2022

Ready to make a major purchase? One way to get a significant discount on big-ticket items is to time your purchase right.

Monday, September 5, 2022

When you don’t make tax planning a priority, you can cost yourself a considerable amount of money in missed opportunities and mistakes.

Monday, August 22, 2022

You don’t need to hit the jackpot to create financial security and prepare for the future. If you make smart decisions and tap into the resources offered by your employer, your 9-to-5 can be a source for wealth building.

Monday, August 8, 2022

You deserve to feel safe and secure, especially in your own home. Use common sense and the tips we offer here to reduce your chances of becoming the victim of a theft or burglary.

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Monday, July 18, 2022

The easiest way for hackers to gain access to your personal accounts is by guessing or stealing your passwords, and the easiest way to keep them out is by creating strong passwords and keeping them secure.

Monday, July 4, 2022

Women today are far more likely to be the head of household and manage their own finances than in previous generations. If you’re a woman who plans to retire solo, these six financial strategies are for you.

Monday, June 20, 2022

While developing your estate plan to pass on investments, cash, real estate, and more, don’t forget to plan for your digital valuables too.

Tuesday, June 7, 2022

Unfortunately, rising costs are placing higher education out of reach for many American young people. This is why it’s important for parents to do what they can to help their college-bound children find help paying for college.

Monday, May 16, 2022

If you want to avoid losing track of your financial goals, it’s important to not spend recklessly while on vacation. Here’s how you can set a spending limit for your summer vacation and still have a fun-filled, unforgettable time.

Monday, May 2, 2022

Most people will experience some degree of cognitive decline or memory impairment as they age. It’s an unfortunate reality of life, but one that should be expected and planned for accordingly, especially when it comes to managing finances.

Monday, April 25, 2022

The love and affection pet lovers experience is priceless, but your wallet may be in for a bigger hit than you expect. Before bringing home a furry companion, consider both the benefits and the potential expenses.

Monday, April 11, 2022

Special needs trusts are a way that family and others can help provide for the needs of a disabled individual while protecting their access to government benefits.

Monday, March 21, 2022

Choosing a caregiver for a loved one is a daunting task that will likely have you navigating unfamiliar waters. Here are some things to consider to ensure as much comfort, safety, and peace of mind as possible.

Monday, March 7, 2022

There are lots of misconceptions about retirement that seem believable but just aren’t true. We debunk the most common retirement myths here.

Monday, February 21, 2022

How you handle investments in your home can factor into whether it grows as an asset or functions as more of a liability, so it’s important to be careful in choosing which improvements to make.

Monday, February 7, 2022

If you plan to leave assets or money to your children when you pass away, take time now to consider whether placing that inheritance in a trust may offer them protection.

Tuesday, January 18, 2022

Not everyone is preparing for retirement with a spouse, partner, or children. Whether due to widowhood, divorce, never marrying, or not having kids, more people than ever before are approaching retirement single and childless.

Monday, January 3, 2022

Getting married is about more than romance; it’s also an occasion in which two people combine their legal and financial affairs. Along with the happy nuptials, it’s also time to consider your new insurance needs.

Monday, December 20, 2021

Receiving a pay raise or bonus is always a welcome event. Having a plan for what to do with the extra money will ensure you get the best benefit from it.

Monday, December 6, 2021

Whether you experienced a rough patch during the pandemic or more time at home in 2020 left you flush with extra savings, 2021 was a year of recalibrating. Take a moment to check in on the state of your finances heading into the new year.

Sunday, November 21, 2021

As the winter season sets in, we often start to feel the need to slow down. While there’s nothing wrong with slowing your pace from time to time, the fact is, there are benefits to staying active during the winter.

Monday, November 8, 2021

While you may be in good health today, life doesn’t always go as planned, so it’s a good idea to put a POA in place as a general precaution. Without one, your loved ones can face unnecessary stress and hardship.

Monday, October 18, 2021

Shopping at locally owned small businesses is a great way to give your local economy a boost while enjoying more personalized service from members of your own community.

Monday, October 4, 2021

Security and peace of mind are much more desirable than extravagant holiday spending. If you want to enjoy the holidays and still meet your financial goals for the coming year, you’ll need to create a holiday budget and stick to it.

Monday, September 20, 2021

Here are some ideas on how you can get the whole family involved with charitable giving, along with what you need to consider before you donate your time or money.

Monday, September 6, 2021

With the holidays fast approaching, don’t let the hustle and bustle of travel, shopping, and gatherings distract you from what’s best for you and your family. Here are some end-of-year money moves you’ll want to consider now.

Monday, August 23, 2021

There are many skills young adults need to successfully live on their own, and most parents have tried to prepare them for this big transition. To help you be sure your college student is ready, here’s our list of nine life skills your coll

Monday, August 9, 2021

When your time comes to an end, you’ll leave behind expenses that need to be covered, and may also leave behind loved ones that need financial support. Be sure you understand your life insurance options so you purchase the right coverage.

Monday, July 19, 2021

Purchasing a vacation home may seem pretty straightforward — find a place, buy it, and start living your best vacation life. But in reality, just like owning a “regular” home, vacation homes come with many of the same considerations as home

Monday, July 5, 2021

Whether you’re looking at health insurance, life insurance, disability, or retirement, the first step to maximizing your benefits is understanding what is available to you. Don’t let them go to waste.

Monday, June 21, 2021

With costs rising, families are looking for ways to save on necessities, not just for back to school but throughout the year. One way people do this is by taking advantage of their state’s tax-free weekend.

Monday, June 7, 2021

Knowing exactly what to do when a spouse or parent dies can be difficult, but mistakes and oversights can be costly or lead to serious problems down the road. This checklist will help ensure you know what to do when a death occurs.

Monday, May 24, 2021

Financial planning for your retirement is critical, and that includes having a strong credit score. Here’s how you can build and maintain a good credit score as a future or current retiree.

Monday, May 10, 2021

Retirement signals the end of your wage-earning years, so the primary concern tends to be making sure you’ll be able to take care of your needs and maintain your lifestyle, but your physical and mental health are equally important.

Monday, April 26, 2021

Untangling your finances during a divorce can be a messy process, but making mistakes during this vulnerable and emotionally draining period, particularly when it comes to money, can have long-lasting and far-reaching effects.

Monday, April 12, 2021

Using your legacy to help your grandchildren get ahead in life can be rewarding for you, offer some financial relief for your children, and prove to be a generous leg up for the next generation.

Monday, March 22, 2021

Organizing your finances is never a simple one-and-done task. It requires ongoing attention and care. As your circumstances change and time passes, it’s essential to keep a close watch on your money and make financial adjustments as needed.

Monday, March 8, 2021

Reviewing your Social Security statement and estimated benefits online is fast and easy, plus it can help you with retirement planning and knowing whether the SSA has accurate information on file.

Monday, February 22, 2021

If you are looking at a mountain of paperwork, you might be tempted to toss it in the trash, but doing so could cause problems down the road. Schedule some time to look at each document and sort them out.

Monday, February 8, 2021

Because your estate is continuously changing and the circumstances that affect your estate can shift over time, it is important to keep a close watch on your estate plan and make adjustments as needed. This checklist can help you cover all

Monday, January 25, 2021

Many couples consider money a taboo topic, but tiptoeing around the issue causes more harm than good. When it comes to money and marriage, talking about finances can be stressful, but it doesn’t have to be that way.

Monday, January 11, 2021

Reviewing the beneficiary designations for your life insurance and retirement accounts is an important part of estate planning. If you are not careful, your money could easily fall into the wrong hands or be subject to probate.

Monday, December 28, 2020

Much of what we claim to be unexpected is practically inevitable; we just can’t always predict when the time will come. It’s important to make it a priority to be prepared for anything by building a sufficient emergency savings fund.

Monday, December 14, 2020

You’ll never reach your retirement savings goal if you don’t start making progress towards it, and putting some tasks on autopilot practically does the job for you.

Tuesday, November 17, 2020

Having too much without having too little cash on hand at the end of the year is a great balancing act. As the year draws to a close, take the necessary time to plan so you can relax and celebrate the holidays with confidence.

Tuesday, November 10, 2020

Putting off planning is the most common regret among retirees today. Setting a goal for yourself and working toward it incrementally and diligently is the best way to begin boosting your retirement savings today.

Tuesday, October 20, 2020

As a retiree, you’ve done well for yourself and your accumulated funds are a testament to your hard work. Proper and strategic end of year tax planning will allow you to further make the most of what you have.

Tuesday, October 13, 2020

The right data in the wrong hands can cause a great deal of damage to your reputation and your bottom line. The best way to protect yourself from a data breach is to be aware, pay attention, and take action quickly.

Tuesday, September 22, 2020

Did you know there are billions of dollars in unclaimed property in the United States? (1) As many as one in ten people have financial assets that have been abandoned, meaning they forgot to claim the asset, are unaware that the asset...

Tuesday, September 8, 2020

Unfortunately, financial scams are growing even more prevalent these days and can cause a great deal of harm. Your best defense against financial fraud is a good offense. Keep your usernames, passwords, and account data closely guarded.

Tuesday, August 25, 2020

While both health savings accounts and flexible spending accounts are similar in structure, they are intended for different purposes and to serve individuals differently. Do your research before deciding which is best for you.

Monday, August 17, 2020

Allowing retirees to skip RMD payments can be advantageous in that it provides a tremendous opportunity for them to recoup losses from the drop in the market. So if you do not need the money to live on, you may want to let it stay put.

Tuesday, August 11, 2020

As parents, we all want to help our children financially and be sure they are secure. Just make sure you also teach them how to be financially independent so they are not tethered to your wallet into their adult years as well.

Tuesday, July 28, 2020

Knowing how the inheritance tax works along with the basics of estate planning will provide for your family and reduce legal complexities. Having this fundamental information will also let you minimize your estate/gift tax liabilities.

Tuesday, July 14, 2020

Due to lower tax rates and minimum distribution requirements being suspended as a result of the COVID-19 pandemic, now may be a great time to consider a Roth IRA conversion to leverage your portfolio and lock in tax-free gains.

Tuesday, July 14, 2020

How you manage your credit can make or break your personal finances. Credit can be a helpful tool to get the things you need and want, and it can also lead to your financial downfall if you are not careful.

Tuesday, June 23, 2020

If you would like to stay on track toward reaching your retirement goals, reviewing your contributions regularly, and making changes that align with your current circumstances and vision for the future is the best way.

Tuesday, June 9, 2020

Taking the necessary steps towards achieving a debt-free life takes hard work and perseverance, but it will allow you to live life with freedom to make the choices you want.

Tuesday, May 26, 2020

It’s important to know the different types of investments and what they can do for your portfolio. A point of confusion for investors is sorting out the differences between dividend versus growth investments and determining which to choose.

Tuesday, May 12, 2020

Everyone can benefit from new ways to make your home more energy-efficient. Taking simple steps, such as updating your appliances, can help lower your electricity bill while also lowering your overall impact on the environment.

Thursday, April 30, 2020

Life is unpredictable and can often throw many curveballs at us. Developing personal resilience is a way that we can come out the other side of adversity with a different view, and many times, more opportunity and success.

Tuesday, April 28, 2020

While most investors have a basic knowledge of individual stocks, learning about other common investing vehicles, such as ETFs and how they may be a good alternative for you, could prove to add a greater return on your investment.

Tuesday, April 14, 2020

Saving for retirement can be difficult, especially when you are self-employed. Fortunately, there are several plans you can take advantage of and ways to invest your money to help you save for the retirement you dream of.

Tuesday, March 24, 2020

Most of us are wasting our money in ways we don’t even realize. The first step to saving money is to recognize where we are spending it. Once you know where your money is going, you can think carefully about smart ways to save it.

Tuesday, March 10, 2020

Diversification is an investment strategy seeks to reduce risk and maximize return for long-term investments such as retirement accounts.

Monday, February 24, 2020

Everyone’s vision of life after retirement is different. But it is important to properly plan, save, and invest for the kind of retirement you desire.

Thursday, February 20, 2020

Market ups and downs are inevitable. Instead of trying to predict the future based on the recent past, we should be looking to the market itself to find insightful information on expected returns.

Monday, February 10, 2020

While women are earning more than ever in recent decades, they still face many unique financial challenges that must be taken into consideration when planning for retirement.

Tuesday, January 28, 2020

Do you often feel there aren’t enough hours in the day? More often than not poor time management is to blame for us not being able to accomplish all that we would like to. Fortunately there are helpful ways we can use our time much more pro

Monday, January 20, 2020

Asset allocation is a fundamental principle of sound investing. Implementing a strategy and plan into your portfolio is equally, if not more, important to your long-term investment success than the individual securities in your portfolio.

Tuesday, December 24, 2019

Your finances are one of the most important aspects of your life. Having your financial house in order is what helps you pursue financial confidence.

Tuesday, December 10, 2019

End-of-Life planning should be a priority, it is the process of making critical decisions about how you want your healthcare, medical treatment, and personal care to be handled should you become unable to think or speak for yourself.

Tuesday, November 19, 2019

Although it is important to understand your Social Security retirement benefits, you’ll need to keep in mind that just because you have reached your full retirement age, doesn’t mean you should necessarily retire.

Tuesday, November 12, 2019

Long-term care insurance pays for expenses that your health insurance won’t cover should you become disabled or otherwise unable to fully care for yourself. Here’s what you need to know about it.

Monday, October 21, 2019

If you’re looking for ways to save money on energy use as well as reduce your carbon footprint, adding solar panels to your home may be a worthy investment.

Monday, October 7, 2019

Your estate planning should cover more than just what happens to your assets when you die. It also needs to account for how your assets are managed should you become incapacitated and unable to manage them yourself.

Tuesday, September 24, 2019

How safe is your personal data - like passwords and bank accounts- from theft and use by a criminal? These seven cybersecurity tips can help you be sure it’s locked down.

Tuesday, September 17, 2019

Employers offer many benefits to employees that can save help save money. Use this guide to find out what kinds of benefits you may be overlooking.

Monday, August 12, 2019

The Week on Wall Street Stocks spent much of last week rebounding from a Monday drop that reflected nervousness about the U.S.-China trade fight. By Thursday's closing bell, the S&P 500 had regained all its Monday losses - but it...

Monday, August 5, 2019

The Week on Wall Street Last week, the Federal Reserve cut interest rates for the first time in more than a decade, in line with Wall Street's expectations. Ironically, stocks had their worst week of 2019. The S&P 500 finished the...

Monday, July 29, 2019

The Week on Wall Street Last week, investors assessed earnings and the initial estimate of second-quarter economic growth, while awaiting the Federal Reserve's next announcement about interest rates. Stocks rose for the week;...

Monday, July 22, 2019

The Week on Wall Street Stock benchmarks retreated during the first week of the second-quarter earnings season. As some big names shared quarterly results, investors seemed more interested in what might happen at the Federal Reserve's...

Monday, July 15, 2019

The Week on Wall Street Friday, the S&P 500 settled above 3,000 for the first time, after rising 0.78% for the week. The Dow Jones Industrial Average chalked up a milestone of its own: the blue chips ended the week above 27,000,...

Monday, July 8, 2019

The Week on Wall Street U.S. stock benchmarks opened a new quarter positively. The S&P 500 gained 1.65% in the opening week of July; the Dow Jones Industrial Average, 1.21%; the Nasdaq Composite, 1.94%. Overseas, stocks in developed...

Monday, July 1, 2019

The Week on Wall Street A month of gains for stocks ended with a weekly retreat. The S&P 500 lost 0.30%; the Nasdaq Composite, 0.32%; the Dow Jones Industrial Average, 0.45%. In contrast, overseas shares, tracked by the MSCI EAFE...

Monday, June 24, 2019

The Week on Wall Street The S&P 500 hit an all-time peak of 2,964.03, in intraday trading Friday, while improving 2.20% across five market days. The Dow Jones Industrial Average and Nasdaq Composite posted respective, 5-day advances...

Monday, June 17, 2019

The Week on Wall Street Stocks advanced for a second straight week. The S&P 500 benchmark rose 0.47%; the Nasdaq Composite, 0.70%; the Dow Jones Industrial Average, 0.41%. Overseas shares, as tracked by the MSCI EAFE developed markets...

Monday, June 10, 2019

The Week on Wall Street Stocks rallied during a week in which Wall Street was buffeted by headlines. The S&P 500 rose 4.41%. The Nasdaq Composite and Dow Jones Industrial Average respectively added 3.88% and 4.71%. The MSCI EAFE index...

Monday, June 3, 2019

The Week on Wall Street Stocks struggled during a 4-day market week as the U.S.-China trade standoff continued to weigh on the minds of market participants. From the Friday, May 24 close to the Friday, May 31 close, the S&P 500...

Tuesday, May 28, 2019

The Week on Wall StreetStocks drifted lower last week as investors considered the possibility that the world's two largest economies might take some time to resolve key trade issues. The S&P 500 retreated 1.17%; the Nasdaq Composite,...

Monday, May 20, 2019

The Week on Wall Street Stocks fell sharply at the start of last week over trade tensions, then recovered with help from strong earnings and indications that U.S.-China trade talks would continue. Even so, the major indices had a down...

Monday, May 13, 2019

The Week on Wall Street As we noted recently, Wall Street has a wandering eye. Last week, it focused on the new tariff threats in the ongoing U.S.-China trade dispute. Stocks fell across five trading sessions: the Dow Jones Industrial...

Monday, May 6, 2019

The Week on Wall Street Stocks were up and down last week, and the three major benchmarks ended up little changed after five trading days. The S&P 500 rose 0.20% for the week; the Nasdaq Composite, 0.22%. The Dow Jones Industrial...

Monday, April 29, 2019

The Week on Wall Street Stocks returned to record territory, with both the S&P 500 and the Nasdaq Composite closing at historic highs. The S&P gained 1.20% for the week; the Nasdaq, 1.85%. The Dow Jones Industrial Average lagged,...

Monday, April 22, 2019

The Week on Wall Street A short and relatively placid trading week wrapped up Thursday, with the major indices turning in mixed performances. The S&P 500 retreated 0.08%, the Nasdaq Composite advanced 0.17%, and the Dow Jones...

Monday, April 15, 2019

The Week on Wall Street Stocks broke out of a narrow range on Friday following news that two major banks grew their bottom line in the first quarter. For the week, the S&P 500 rose 0.79%; the Nasdaq Composite, 0.91%. The Dow Jones...

Monday, April 8, 2019

The Week on Wall Street Stocks just posted their second straight weekly gain. Investors were encouraged by the latest jobs report and new signs of progress on a U.S.-China trade deal. The Dow Jones Industrial Average advanced 1.17% in...

Monday, April 1, 2019

The Week on Wall Street Stocks ended last week higher as volatility slowed, completing their best quarter since 2009. A Friday tweet from Treasury Secretary Steven Mnuchin encouraged investors, referring to "constructive" discussions...

Tuesday, March 26, 2019

Whether you’re nearing retirement or have many years to go, calculating what your retirement budget will be will help you plan and make the transition to retirement smooth.

Monday, March 25, 2019

The Week on Wall Street Friday, the yield of the 3-month Treasury bill exceeded the yield of the 10-year Treasury note for the first time in 12 years. For some analysts, this "inverted yield curve" may imply a short-term lessening of...

Tuesday, March 19, 2019

In spite of changes made to income tax deductions by the Tax Cuts and Jobs Act, charitable contributions are still a viable way for high-income individuals to make tax-deductible donations to the charity of their choice.

Tuesday, March 12, 2019

Here are some facts about the Social Security program you may not know.

Tuesday, February 26, 2019

When a family member dies there are a multitude of issues to look after, from getting a copy of the death certificate to finding insurance policies and more. Here’s a financial checklist to help you through this difficult time.

Tuesday, February 19, 2019

Finding enough money to pay for your child’s college education is challenging. Fortunately, there are ways to cover tuition costs that don’t involve your child working his way through school or getting soaked with debt.

Tuesday, February 12, 2019

There are two types of IRAs you can use for retirement investments: Roth IRAs and traditional IRAs. While they share similarities, there are also some important differences to note.

Tuesday, February 5, 2019

There are many variables parents should consider when planning for education expenses. A person’s risk profile and their desire for flexibility are two very important factors. However, each person is different.

Tuesday, February 5, 2019

Being healthy has benefits that extend beyond your physical wellbeing. From lower healthcare costs to a boost in self-confidence, your finances may benefit as well.

Tuesday, January 29, 2019

What financial facts should you consider as you retire? What monetary realities might you need to acknowledge as your retirement progresses from one phase to the next? The reality of retirement may surprise you.

Tuesday, January 22, 2019

Every year, scammers target taxpayers with schemes designed to separate them from their money, and some taxpayers try to outsmart the IRS to get out of paying their full tax burden. Here are this year’s “dirty dozen” tax scams and schemes.

Tuesday, January 15, 2019

It is no small responsibility to serve as an executor, especially for a complex estate. Prepare for the tasks ahead of you, so that you may do them well while honoring the wishes of the deceased.

Tuesday, January 8, 2019

Changes are coming to 401(k)s in 2019 affecting employees who borrow from their plan and then leave their job, employees who receive hardship distributions, and in the amount employees are allowed to contribute.

Wednesday, January 2, 2019

LPL Research Outlook 2019: FUNDAMENTAL: How to Focus on What Really Matters in the Markets is filled with investment insights and market guidance for the year ahead.

Tuesday, January 1, 2019

Seniors can look forward to the biggest boost in Social Security benefits that they’ve seen in years. The Social Security Administration has authorized a 2.8% cost of living adjustment for 2019.

Tuesday, December 18, 2018

If notable changes occurred in your life, you’ll want to review your finances before this year ends. Even if 2018 has been uneventful, it’s still a good time to see where you can save some taxes and build a little more wealth.

Tuesday, December 11, 2018

What financial, business, or life priorities do you need to address for 2019? Now is a good time to think about the investing, saving, or budgeting methods you could employ to meet those goals.

Tuesday, December 4, 2018

If you start your retirement with inadequate savings, you may end up living a watered down version of your retirement dreams.

Thursday, November 29, 2018

What's Inside: Appreciating Your Investments Annual Client Events Gessie Speaks to USF Students

Tuesday, November 27, 2018

In an ideal world, it would be simple to prepare to retire single. You would just save half as much as a couple saves, buy half as much insurance coverage, and expect to live on half the income. Reality dictates otherwise.

Tuesday, November 20, 2018

The indexing of capital gains to inflation has seen renewed interest of late. If the idea got the green light, that could hand investors a tax break.

Tuesday, November 13, 2018

Becoming a new parent brings many new financial responsibilities. You’ll want to take care of the essentials in budgeting, insurance, and these other areas to establish a secure financial future for your family.

Wednesday, November 7, 2018

Have you ever truly taken the time to reflect on the things in your life that matter most to you? Maybe it's your family, your community, your job, or your hobbies--whatever it is that you hold important and place the highest value on.

Wednesday, November 7, 2018

Statistics show that only 9.2 percent of people ever achieve their New Year’s resolutions, but there are a few things you can do to make sure that your resolutions become a reality.

Tuesday, November 6, 2018

The IRS is using new withholding tables for 2018, so you may need to adjust the amount you have withheld - or the amount of your estimated tax payments - to avoid paying a penalty next year.

Tuesday, October 30, 2018

Probate can eat up as much as 5% of your estate. How can you exempt more of your assets from probate and its costs? Here are a few ideas.

Tuesday, October 23, 2018

Some retirement myths have been around for decades, while others are have recently joined their ranks. Take a look at these seven popular retirement myths to be sure you don’t fall for them.

Tuesday, October 16, 2018

When saving for retirement, you aren’t limited to traditional accounts. There are several less common retirement savings accounts worthy of your attention. Here are five of them and the benefits that they bring.

Tuesday, October 9, 2018

As part of your preparation for retirement, give these financial matters some thought. Enjoy the here and now, but recognize the potential for these challenges to impact your financial future.

Tuesday, October 2, 2018

You need not wait for the new year to plan improvements to your finances. You can begin now. The last few months of the year give you a prime time to examine critical areas of your budget, your credit, and your investments.

Tuesday, September 25, 2018

If you have a child or grandchild earning some income with a summer or after school job, you could help them save for future goals by assisting them to create and fund a Roth IRA. This could give them a chance at a great financial start.

Tuesday, September 18, 2018

A car is a big purchase. It’s worth taking your time and making sure that you’ve covered your bases in terms of making the most responsible purchase. There are many options for saving money by avoiding spending too much on your next car.

Tuesday, September 11, 2018

This year, lawmakers are addressing the problem of Americans not saving enough for retirement, with a bill proposing big changes to IRAs and workplace retirement plans called The Retirement Enhancement and Savings Act (RESA).

Tuesday, September 4, 2018

An HSA can potentially offer them: a pool of tax-exempt dollars for health care, a path to tax savings, even a possible source of retirement income after age 65. You may want to look at this option yourself.

Tuesday, August 28, 2018

Sometimes liars, scammers, and fraudsters try to pitch any number of too-good-to-be-true “investment opportunities” to retirees. You have good reason to be financially skeptical as you get older.

Tuesday, August 21, 2018

We all know the value of a good credit score. We all try to maintain one. Sometimes, though, life throws us a financial curve and that score declines. What steps can we take to repair it?

Tuesday, August 14, 2018

What's Inside: LPL Research Midyear Outlook 2018: The Plot Thickens Financial Independence: Standing on your own two cents Continuous Improvement and Event Announcements

Tuesday, August 14, 2018

As you read or hear stories about seniors being financially exploited, you may think: not me. Your parents? Same thing. They are too smart and too vigilant to be taken for a ride by a con artist or an unprincipled relative or caretaker.

Tuesday, August 7, 2018

Can a child inherit an IRA? The answer is yes, though they cannot legally own the IRA and its invested assets. It can get complicated.

Tuesday, July 31, 2018

Investment firms have a new client service requirement. They must now ask you if you want to provide the name and information of a trusted contact. This vital investment account question should be answered sooner rather than later.

Tuesday, July 24, 2018

There are incidents that standard policies may not cover. Fundamental insurance coverage is often far ranging, but some risks to your business, your home, your cars, and your income may need to be addressed with supplemental coverage.

Tuesday, July 17, 2018

How much does eldercare cost, and how do you arrange it when it is needed? In reality, government programs do not help the average household pay for any sustained eldercare expenses. The financial responsibility largely falls on you.

Tuesday, July 10, 2018

Is student loan debt weighing on the economy? Probably. Total student loan debt in America is now around $1.5 trillion, having tripled since 2008. If you carry sizable education debt, how can you plan to pay it off?

Tuesday, July 3, 2018

When we buy a car or a house, consider a school for our children, or plan our next vacation we take our time, shop around, and consider our choices. Yet when it comes to selecting a financial consultant, not everyone takes such care.

Tuesday, June 26, 2018

Breaking down the basics of Medicare and what each part covers can get confusing. Whether your 65th birthday is on the horizon or decades away, you should understand all the parts of Medicare – what they cover and where they come from.

Tuesday, June 19, 2018

The biggest weakness is not having a plan at all. How many households save for retirement with a number in mind – the dollar figure their retirement fund needs to meet? How many approach their retirements with an idea of the income they wil

Tuesday, June 12, 2018

As people establish themselves as doctors and lawyers, executives, and successful entrepreneurs, they see living well as a reward. It can happen to successful individuals of any age. How do you guard against it?

Tuesday, June 5, 2018

What are the keys in planning to grow wealthy together? At some point, you will have to ask yourselves some money questions – questions that pertain not only to your shared finances, but also to your individual finances.

Tuesday, May 29, 2018

There are hundreds of “experts” sharing their advice on what’s best and how to achieve your goals of being healthy. While all of these options are great, it is a known fact that information overload can lead to decision paralysis.

Tuesday, May 29, 2018

As you approach retirement, it may be time to pay more attention to investment risk. Rebalancing your portfolio with your time horizon in mind is only practical. “Playing defense” with your invested assets should be a priority.

Tuesday, May 22, 2018

Are you about to buy life insurance? Shop carefully. Take your time when you look for life insurance, and compare your options. The more insight you can draw on, the more informed the choice you may make.

Tuesday, May 15, 2018

What are the potential benefits and drawbacks of a Roth IRA conversion? If you own a traditional IRA, perhaps you have thought about converting it to a Roth IRA. Going Roth makes sense for some traditional IRA owners, but not all.

Monday, May 14, 2018

What's Inside: The Major 2018 Federal Tax Changes Doing Good for Other is Good For Your Health WATB Happenings: Community Involvement Get To Know Us: WATB Favorite Charities

Tuesday, May 8, 2018

We are witnessing a great movement away from what was the norm to a new paradigm. An advisor paid mostly or wholly through fees may be an advisor well positioned to create candid, trusted relationships with loyal clients for years to come.

Tuesday, May 1, 2018

The Tax Cuts and Jobs Act made dramatic changes to federal tax law. It is worth reviewing some of these changes as 2019 approaches and households and businesses refine their income tax strategies.

Tuesday, April 24, 2018

The big picture of personal financial recordkeeping has not changed much. It is still wise to keep records pertaining to financial, health care, insurance, and real estate matters for at least a few years, and perhaps much longer.

Tuesday, April 17, 2018

Although your retirement benefits may be taxed, more retirement income is decidedly better than less – and a key part of retirement planning is estimating both your retirement income need and your retirement income potential.

Tuesday, April 10, 2018

Living without an emergency fund can invite worry. It is an anxiety too many households have had to accept. Plan to save a little each month (or more than a little, if you can manage), so that you may create a bit more financial “breathing

Tuesday, April 3, 2018

Your beneficiary choices may seem obvious when you initially make them, time has a way of altering things. In a stretch of five or ten years, some major changes can occur in your life and may warrant changes in your decisions.

Tuesday, March 27, 2018

What kind of retirement do you think you’ll have? Qualitatively speaking, what if the success or failure of your retirement begins with your perception of retirement? Your outlook may influence your financial outcome.

Tuesday, March 20, 2018

With a clear understanding of where she stands, financially, a widow may evaluate her investment and wealth management options and take steps toward the next phase of life with some confidence.

Tuesday, March 13, 2018

Any early retirement is a critical financial juncture in your life, and whether you find yourself at it by choice or by chance, your decisions could have lifelong impact.

Tuesday, March 6, 2018

If you have a 529 college savings plan, or have ever thought about opening one, you should know about two major changes that broaden the possibilities for these education savings accounts. They may give your family some new options.

Monday, February 26, 2018

Firm Update Helpful Resources 2018 IRA Tax Limits Important Tax Information Technology Safety WATB Happenings Meet Emily Gonzalez View the Full Newsletter PDF Here

Tuesday, February 20, 2018

You have a chance to manage your money better than previous generations have. Some crucial financial steps may help you do just that. Avoid the money pitfalls of past generations and take these financial lessons to heart.

Tuesday, February 20, 2018

The Roth IRA changed the whole retirement savings perspective. Since its introduction, it has become a fixture in many retirement planning strategies. Here is a closer look at the trade-off you make when you open and contribute to a Roth.

Monday, February 12, 2018

You Will Probably Pay More for Medicare in 2018. Was your monthly Medicare Part B premium less than $110 in 2017? This year, you may pay considerably more for the same coverage. If you have been shielded from higher Part B premiums, that sh

Tuesday, February 6, 2018

Many people fall into the same financial behavior patterns year after year. If you sometimes succumb to these financial tendencies, the New Year is as good an occasion as any to alter your behavior.

Tuesday, January 30, 2018

Are you on track to save $1 million or more for retirement? If you are 50 or younger, you may need that much in savings to generate the kind of retirement income you prefer.

Tuesday, January 23, 2018

Is a permanent life insurance policy an investment? One financial professional might answer that question with a “no,” another might say “in a sense, yes.” Just as some people see a home as an investment, others do not. Opinions differ.

Tuesday, January 16, 2018

Should We Reconsider What “Retirement” Means? The notion that we separate from work in our sixties may have to go. Our definition of “retirement” is changing. Retirement is now a time of activity and opportunity.

Tuesday, January 9, 2018

Some of us may retire at 65 and live to 100 or 105. Advances in health care may make this a strong possibility. The corresponding question is: will we outlive our money? More people are spending more of their lives in retirement.

Tuesday, January 2, 2018

Talking about “the end” is not the easiest thing to do, and this is one reason why some people never adequately plan for the transfer of their wealth. Those who do, sometimes leave their heirs out of the conversation.

Tuesday, December 26, 2017

In a wealth transfer strategy (as opposed to a basic, generic estate plan), you share your values and goals in addition to your assets.

Tuesday, December 19, 2017

You will able to put a little more into your workplace retirement account in 2018. The federal government raised the annual contribution limit on some of the popular qualified retirement plans thanks to inflation.

Tuesday, December 12, 2017

Will the current bull market run for another year? How about another two or three years? Stocks will correct at some point. A bear market could even emerge. Is your investment portfolio ready for either kind of event?

Tuesday, December 5, 2017

What financial, business, or life priorities do you need to address for 2018? Now is a good time to think about the investing, saving, or budgeting methods you could employ toward specific objectives for the upcoming year.

Tuesday, November 28, 2017

A successful retirement is not merely measured in financial terms. Even those who retire with small fortunes can face boredom or depression and the fear of drawing down their savings too fast.

Tuesday, November 21, 2017

These investments let you own real estate without having to be a landlord. By getting into a REIT, you can gain an ownership interest in prime commercial real estate, without the headaches of commercial real estate management.

Tuesday, November 14, 2017

If you have children, at some point they may discern how wealthy you are – and in turn, learn how “rich” they are. How will you handle that moment? How will they handle that knowledge?

Thursday, November 9, 2017

The art of being productive vs. busy. A recent survey showed that the average woman typically completes 26 tasks each day. Even with this huge number of things accomplished, 80% of these women still don’t think they’re good...

Tuesday, November 7, 2017

Parenting presents you with definite, sudden, financial needs to address. By focusing on those needs today, you may give yourself a head start on meeting some crucial family financial objectives tomorrow.

Tuesday, October 31, 2017

Practically speaking, the federal gift tax is a tax on estates. If it wasn’t in place, the rich could simply give away the bulk of their money or property, while living, to spare their heirs from inheritance taxes.

Tuesday, October 17, 2017

Do you want a simple retirement plan you can implement easily as an independent contractor or small business owner? A SIMPLE IRA plan gives you a tax break, while giving you and your employees a way to build retirement savings.

Tuesday, October 10, 2017

Debit card data theft has surged lately. According to FICO’s Card Alert Service, the number of businesses or ATM locations where debit cards were hacked rose 26% from 2015 to 2016.

Tuesday, October 3, 2017

Whether you want to leave work at 62, 67, or 70, claiming the retirement benefits you are entitled to by federal law is no casual decision. You will want to consider a few key factors first.

Tuesday, September 26, 2017

You might be surprised how many people have financial documents scattered all over the house. If this describes your financial “filing system,” you may have a tough time keeping tabs on your financial life.

Tuesday, September 26, 2017

Ever hear of an SDBA? That acronym stands for self-directed brokerage account. If you are enrolled in a 401(k), 403(b), or 457 plan, you might want to see if your plan gives you this option, which is often unnoticed.

Tuesday, September 19, 2017

What do your retirement plan participants wish you would offer? The answer could be “a little more help.” When workers have money issues in their lives, both their health and performance may suffer.

Tuesday, September 12, 2017

Identity theft hit 15.4 million Americans last year. Perhaps it hit you. You know you have been victimized when you get that courtesy call or email from a bank or credit card issuer, but is there a way you can tell prior to that moment?

Friday, September 8, 2017

Due to the impending arrival of Hurricane Irma our office will be closing today at 1:00 pm and remain closed on Monday, September 11th. We hope to re-open the office on Tuesday, September 12th. Please take the necessary precautions and...

Tuesday, September 5, 2017

Key Medicare enrollment periods are approaching for 2017-2018. This fall and winter, there are three periods in which Medicare beneficiaries can either enroll or disenroll in forms of coverage.

Tuesday, August 29, 2017

Are you one of those baby boomers (or Gen Xers) who believes he or she can work past 65? Some pre-retirees are basing their entire retirement transition on that belief, and that could be financially perilous.

Tuesday, August 22, 2017

Some young adults manage to acquire a fair amount of financial literacy. In the classroom or the workplace, they learn a great deal about financial principles. Others lack such knowledge and learn money lessons by paying.

Tuesday, August 15, 2017

Financially, Generation Y is often criticized for being risk averse & unaware. Is this truth, or is it fiction? In some instances, pure fiction. Here are some good financial habits common to millennials.

Tuesday, August 8, 2017

How much will your family end up paying for college? Your household’s income may have less influence than you think – and some private colleges may be cheaper than you assume.

Tuesday, August 1, 2017

Highlights Mid Year Outlook Go Green | Analyze Your Energy Consumption DOL Fiduciary Rule | And what it means for the investor Back To School View the Full Newsletter PDF Here

Tuesday, July 25, 2017

Many investors wind up buying shares of companies whose beliefs and business practices are far removed from their own. Often, they simply haven’t thought about merging their personal beliefs with their investment strategies.

Tuesday, July 18, 2017

If you don’t leave behind an estate plan, your family could face major legal issues and (possibly) bitter disputes; making the plan may leave you with the comfort of knowing that your wishes will be carried out, when the time comes.

Thursday, July 6, 2017

Retirement planning is about the pursuit of a happy outcome – a fun and emotionally rewarding “second act” that spouses and partners can share.

Monday, July 3, 2017

They are low, unless you show the I.R.S. some conspicuous “red flags” on your return. Fewer than 1% of Americans have their federal taxes audited. The percentage has declined recently due to Internal Revenue Service budget...

Thursday, June 29, 2017

As an investor, a retirement saver, how much will this turmoil matter to you in the long run? Perhaps, very little. There are many good reasons to remain on plan.

Tuesday, June 27, 2017

A good financial strategy is not just about “making money;” it is also about protection. Some people mistake investing for financial planning. Their “financial strategy” is an investing strategy, in which they...

Tuesday, June 13, 2017

When should you apply for benefits? Consider a few factors first. Now or later? When it comes to the question of Social Security income, the choice looms large. Should you apply now to get earlier payments? Or wait for a few years to...

Tuesday, June 6, 2017

Do you really want to risk facing these potential outcomes? Saving for retirement may seem a thankless task. But you may be thanking yourself later. Putting away a percentage of one’s income, money that could be used for any...

Wednesday, May 24, 2017


Monday, May 15, 2017

There is something about the month of May that really is beautiful. The fact that it is the month where we get to celebrate not only being a mother, and our own mothers, but also any other important woman in our life. May truly just...

Thursday, May 11, 2017

Women 35 and younger are often hard-pressed to save money. Student loans may be outstanding; young children may need to be clothed, fed, and cared for; and rent or home loan payments may need to be made. With all of these very real concerns

Thursday, May 11, 2017

Every now and then, you read an article about a woman past the age of 65 who says she loves her job and will “never retire.” In addition to keeping herself engaged and active, she may be doing herself a great financial favor as well.

Monday, May 1, 2017

Certain kinds of coverage may help to sustain you financially in an emergency. You plan for retirement with expectations in mind. You hope to enjoy a certain quality of life, with sufficient income resulting from smart financial...

Monday, May 1, 2017

The basics on capital gains & deductions. Buying or selling income property has definite tax consequences. A taxpayer should clearly understand them, whether he or she intends to acquire a property or put one on the market. A sale of...

Monday, May 1, 2017

Keep an eye on where it goes, as some destinations may be better than others. You can probably envision how most of your retirement money will be spent. Much of it will be used on living expenses, health care expenses, and, perhaps,...

Monday, May 1, 2017

How separate (or intertwined) should your financial lives be? Some spouses share everything with each other – including the smallest details of their personal finances. Other spouses decide to keep some individual financial...

Monday, May 1, 2017

Do you really want to live without this coverage? If you forgo it, you may pay a high price. Disability insurance is an important insurance coverage that most people lack. Many people think of it as optional – when they think of...

Tuesday, April 18, 2017

Every day, people die intestate. In legalese, that means without a will. This opens the door for the courts to decide what happens with their estates. When no valid will exists, state intestacy laws dictate how assets are distributed....

Tuesday, April 11, 2017

Critical illness insurance isn’t standard-issue disability insurance, but a cousin of sorts. With people living longer, it is a risk management option entering more people’s lives.

Tuesday, April 4, 2017

Too many people do too little estate planning. Avoid joining their ranks, and plan thoroughly to avoid these all-too-frequent mistakes.

Friday, March 31, 2017

On March 15, the Federal Reserve raised the benchmark interest rate by a quarter-point to a range of 0.75-1.00%. The increase was widely expected, and it represented a vote of confidence in the economy.

Monday, March 20, 2017

Health Savings Accounts offer you tax breaks & more.Why do people open up Health Savings Accounts in conjunction with high-deductible health insurance plans? Well, here are some of the compelling reasons why younger, healthier...

Monday, March 6, 2017

Investment management can be active or passive. Sometimes, that simple, fundamental choice can make a difference in portfolio performance.During a particular market climate, one of these two methods may be widely praised, while the...

Monday, February 27, 2017

About 70% of taxpayers receive sizable refunds from the Internal Revenue Service. Just how sizable? The average refund totals about $2,800.(1)What do households do with that money? It varies. Last year, consumer financial services...

Monday, February 13, 2017

Homeowner policies routinely provide tornado, windstorm, & hailstorm coverage. If a tornado, windstorm, or hailstorm damages your home or yard, the insurer will commonly pay out in response to your claim, unless your residence has...

Monday, February 6, 2017

The 2017 limits are the same as in 2016: $5,500 for IRA owners who will be 49 and younger this year, $6,500 for IRA owners who will be 50 or older this year. These limits apply to both Roth and traditional IRAs.The 2017 limits are the...

Thursday, February 2, 2017

There are many ways that you can stay heart healthy, and they don’t all have to be about counting calories and exercising for hours. You can keep things simple, make small changes, and have a large impact on your heart health, all...

Wednesday, February 1, 2017

Heart Month was created by the Center for Disease Control to bring awareness to the leading cause of death for men and women in the United States. Heart disease isn’t just one disease, but several different diseases that all fall under...

Thursday, January 19, 2017

Hackers are now using ransomware to hijack computers and hold files hostage in exchange for payment. Malware programs like CryptoWall, CryptoLocker and CoinVault spring into action when you unsuspectingly click on a link in an email,...

Tuesday, January 17, 2017

Social media and email accounts. Creative works, photos and keepsakes kept on home computers, the cloud or external storage drives. E-commerce accounts. Domain names. Bitcoin. These are all examples of digital assets. You will manage...

Friday, January 13, 2017

According to data compiled by Norton, cybercrime hits over 74 million Americans annually. You know you have been victimized when you get that courtesy call or email from a bank or credit card issuer - but is there a way you can tell...

Tuesday, January 10, 2017

Mention “bitcoin” to assorted economists or investors, and you may trigger all kinds of associations. To some, it signifies an exciting new reality – a digital currency with a payment system that could revolutionize finance. To others,...

Thursday, November 17, 2016

How many short-term financial decisions do you make each week? You probably make more than a few, and they may feel routine. Yet in managing these day-to-day issues, you may be drawn away from making the long-term money decisions that...

Friday, November 4, 2016

This article is intended as a checklist to address in the event of a tragedy. If you find yourself referring to this article now, or you decide to keep it in a drawer or on your computer for some unforeseen time in the future.

Thursday, November 3, 2016

Retirement spending should never be treated casually. A spending strategy may play a crucial role in preserving a retired household’s quality of life.

Wednesday, November 2, 2016

The key argument for going Roth can be summed up in a sentence: Paying taxes on retirement contributions today is better than paying taxes on retirement savings tomorrow.

Tuesday, November 1, 2016

These common and obscure paths toward tax-free retirement income may be worth exploring. Who knows? Perhaps, this year, your retirement will be less taxing than you think.

Thursday, October 13, 2016

Increased mobility in today’s society has changed the ways in which we live, work, and play. Compared to previous generations, it is now quite common for work and recreational activities to cross state lines, resulting in ownership of...

Sunday, October 2, 2016

The year following an individual’s 70 ½ birthday they are required to distribute a minimum amount of their IRAs. Often times they may not need this distribution and it can increase their Adjusted Gross Income.

Saturday, October 1, 2016

You’ve seen the footage on the news. You’ve been in the middle of it. You’ve stood in the vexing lines. You’ve circled for the elusive parking spots. Holiday shopping can be downright frenzied – and impulsive.

Thursday, September 29, 2016

Some myths & misperceptions keep circulating about Social Security. These are worth dispelling, as more and more baby boomers are becoming eligible for their retirement benefits.

Thursday, September 22, 2016

If you want a tax break and want to help a non-profit, this may be a good move. Have you ever wanted to make a major charitable gift? Would you like a significant federal tax break in acknowledgment of that gift? If so, an IRA...

Tuesday, September 20, 2016

The holidays are here! For some, that gives warm and fuzzy thoughts of a fat man in a red suit and delicious family dinners. For others, it instills feelings of stress and panic. Pair this with the already colder weather and shorter...

Monday, July 11, 2016

As you invest and save for retirement, you will no doubt hear or read about it – but what does that phrase really mean? Just what does comprehensive financial planning entail, and why do knowledgeable investors request this kind of...

Friday, July 1, 2016

Many parents may find it uncomfortable, or even believe it is unnecessary, to inform their children about personal finance matters. Yet, communicating openly with your family members can help to reassure them about your financial and...

Thursday, June 30, 2016

Taking the steps to designate your durable power of attorney can help ensure that your financial decisions will be handled by someone you trust, in the event that you are unable to do so.

Monday, June 27, 2016

You have an “estate”. It doesn’t matter if you own a mansion or a motor home. Rich or poor, when you die you leave behind an estate. For some, this could be real property, an investment portfolio and more. For others, it could be as...

Sunday, June 12, 2016

Create a will if you do not yet have one. A valid will may save your heirs from some expensive headaches linked to probate and ambiguity. A solid will drafted with the guidance of an estate planning attorney will likely cost you a bit...

Thursday, June 9, 2016

Life insurance is an important feature of many business arrangements. While most business owners are familiar with providing life insurance as an employee benefit, many may not fully appreciate the variety of other business uses that...

Friday, June 3, 2016

There are many factors and calculations that must be taken into consideration in order to objectively assess your needs. Therefore, it is important to consult with a qualified insurance professional to help ensure you secure the right...

Monday, May 23, 2016

​In the language of life insurance, a beneficiary is the recipient of the proceeds of a policy when the named insured person dies. The owner of a life insurance policy has a great deal of flexibility in naming beneficiaries and can...

Monday, May 9, 2016

Good habits developed now can go a long way toward helping you achieve your financial goals. For specific guidance, contact your financial professional.

Monday, May 2, 2016

Financial literacy is the ability to understand how money works in the world: how someone manages to earn or make it, how that person manages it, how he/she invests it (turn it into more), and how that person donates it to help others....

Monday, April 11, 2016

It is nice to think that spring is on the horizon. It is a time for renewal, growth, and a chance to bring a new freshness to our lives and businesses. We are enjoying this time of growth and change and hopefully a little sunshine as well.

Sunday, April 10, 2016

When you open an individual or joint owned investment you do have options and the title of your property can have consequences in the case of death, divorce, or creditors.

Monday, April 4, 2016

Your credit report is an accumulation of information about your bills and loans, your repayment history, your available credit, and your outstanding debts.