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We will use this area to keep clients and friends up to date with changes and events that they should be aware of.  We will also post Newsletters and other information. Check back regularly for updates.  We will post here rather than flooding your email box.  Feel free to pass information along to friends and family.

Best Regards

Wharton Team

Sunday, May 10, 2026

A meaningful, financially informed legacy doesn’t happen by accident. While your estate documents drive the transfer of assets, continuity depends on something more: education, structure, and shared understanding.Below are a few ways...

Sunday, May 3, 2026

Many people spend years preparing financially for retirement, yet postpone conversations with family about what those plans will actually mean. When discussions are delayed, they often happen during moments of stress, such as after a...

Saturday, April 25, 2026

Welcome to the show. Today we’re talking about long term care insurance—what it is, what it isn’t, and why it deserves thoughtful consideration as part of a broader retirement and estate strategy.

Tuesday, March 31, 2026

We wanted to remind you that the stock market is closed on Friday for Good Friday. The bond markets will shut down earlier the prior afternoon for Maundy Thursday, also known as Holy Thursday.For those who observe, we wish you well as...

Wednesday, March 25, 2026

Key Takeaways Treat tax strategy as a continuous process, not a once-a-year filing exercise. Coordinate with financial and tax professionals throughout the year to identify opportunities for efficiency. Review contribution limits,...

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Saturday, March 21, 2026

If you’ve ever found yourself thinking, “I just want a clear picture of where everything stands,” you’re not alone. With busy schedules, changing markets, and big life decisions (retirement timelines, caring for aging parents, helping...

Friday, March 20, 2026

I hear it often: “I’m not sure how much risk I should be taking—especially with retirement on the horizon.” If that sounds familiar, you’re not alone. Market headlines can make it feel like investing is either too risky—or too...

Thursday, March 19, 2026

If you dream of your financial legacy leaving a lasting impact on the world, there's a way you can make a difference. You can use your Required Minimum Distribution (RMD) to make charitable donations, a strategy that could benefit both...

Thursday, March 19, 2026

If you’ve ever wondered, “Am I getting advice that’s truly in my best interest?” you’re not alone. Retirement decisions, tax questions, market uncertainty, caring for family—these aren’t just financial topics. They’re personal. And they des

Wednesday, March 18, 2026

The arrival of spring often brings that strong urge to start fresh. This season of renewal is a great reminder to apply the same focus to your personal finances. After all, your overall strategy should help align your goals with your...

Monday, March 2, 2026

Although the IRS started accepting tax returns on January 26, 2026, some “soon-to-be” filers may have lingering questions about how to identify the new Trump accounts on their federal tax return. Here’s a recap of what’s known about...

Monday, February 23, 2026

With cyber threats evolving constantly, understanding how to protect your financial identity is crucial. I'm sharing updated guidance on using credit freezers as a powerful defense against data breaches.A credit freeze remains one of...

Wednesday, February 18, 2026

Whether you plan to complete your tax returns yourself or hand things over to a professional, few people relish the prep work that comes with filing their annual income tax returns. However, there are ways to take much of the pain out...

Saturday, February 14, 2026

As you build your legacy, considering how to leverage your charitable contributions can be a fulfilling endeavor. Qualified Charitable Distributions (QCDs) can offer an opportunity to support your favorite causes and manage your...

Wednesday, February 4, 2026

Building wealth is an incredible achievement but preserving it for future generations requires intentional habits. Without structure and foresight, decades of effort can erode quickly due to market risks, taxes, or family conflict.Here...

Wednesday, January 28, 2026

Many people believe that higher income automatically leads to wealth, but without strong habits, spending often grows just as fast. Building wealth is less about big wins and more about consistent choices that compound over time.Here...

Friday, January 23, 2026

Warren Buffett’s quotes have provided clarity during confusion over the years.But his final act speaks louder than any expression. He did nothing.As CEO, Buffett had nearly $400 billion in cash to spend in 2025. But he found no...

Tuesday, January 20, 2026

When you see the word “forecast,” it should be closely followed by, “Forecasts are based on assumptions and are subject to revisions over time. Financial, economic, political, and regulatory issues may cause the actual results to differ.

Tuesday, January 20, 2026

Have you ever heard the Wall Street adage, "Stocks climb a wall of worry"?It means that stock prices have historically trended higher when investors worry about economic issues, geopolitical uncertainty, or, in this case, a possible...

Tuesday, January 20, 2026

When must you start Required Minimum Distributions (RMDs) from your Individual Retirement Accounts (IRAs)? If you have IRAs, you must begin taking annual withdrawals after age 73. Withdrawals from traditional IRAs are taxed as ordinary...

Tuesday, January 6, 2026

If you dream of your financial legacy leaving a lasting impact on the world, there's a way you can make a difference. You can use your Required Minimum Distribution (RMD) to make charitable donations, a strategy that could benefit...

Thursday, January 1, 2026

May this year be the brightest, most adventurous and memorable one yet. Enjoy celebrating!

Tuesday, December 23, 2025

Wishing you and your loved ones a magical and joyous holiday season!

Monday, December 15, 2025

Monday, December 15, 2025

Sunday, December 7, 2025

As the Federal Reserve guides short-term rates lower, many homeowners and prospective buyers are understandably curious about its implications for mortgage rates. While the Fed's decision reflects its concern about the broader...

Saturday, December 6, 2025

At times, 2025 felt like an extraordinary year for stock investors. From tariff uncertainty to international tensions to drama at the Fed, 2025 felt like no other year before. But in hindsight, 2025 was pretty ordinary. In fact, from...

Wednesday, December 3, 2025

The holiday season is upon us; from story time with sorely missed grandchildren to laughter with friends and family over long-cherished memories, there's little doubt that "the most wonderful time of the year" has arrived. For my...

Saturday, November 29, 2025

Monday, November 17, 2025

There is always something to worry about on Wall Street. In fact, there’s even a saying about how stock prices perform when investors are fretting. “Wall Street climbs a wall of worry”—a quote that is often attributed to Warren...

Wednesday, November 12, 2025

As you build your legacy, considering how to leverage your charitable contributions can be a fulfilling endeavor. Qualified Charitable Distributions (QCDs) can offer an opportunity to support your favorite causes and manage your...

Monday, November 3, 2025

How much do you know about Social Security? Given how layered the topic can be, it’s wise to educate yourself as much as you can about your options. We have a number of resources on our website that can help you take a bite out of the...

Tuesday, October 28, 2025

Medicare's Annual Open Enrollment Period is here. From October 15 through December 7, 2025, you can review and change your Medicare coverage for the upcoming year. Any changes you make will take effect January 1, 2026. After December...

Friday, October 24, 2025

What’s changed? In Delaware, a significant estate‐planning tool just became available for homeowners. Under House Bill 147 (Substitute 1) (the “Uniform Real Property Transfer On Death Act”), effective December 4 or 5, 2025, homeowners...

Saturday, October 18, 2025

The Free Application for Federal Student Aid (FAFSA) for the 2026–27 school year is scheduled to open on October 1. Students who submitted during the recent beta window do not need to resubmit when the form officially opens.1 Key...

Wednesday, October 15, 2025

A Unique Investment Strategy Designed Around Your Timeline The Income Lab investment strategy is designed to help you to maintain your lifestyle, keep pace with inflation, and maximize growth for future income. It’s a unique approach...

Monday, October 13, 2025

Wednesday, October 8, 2025

What happens during a government shutdown, and how might this affect you? Unless the government employs you or you are planning a trip to the Smithsonian, you might not even notice. Social Security checks will arrive as scheduled, and...

Tuesday, September 30, 2025

The Fed lowered short-term interest rates at its September 2025 meeting, but the question on most people’s minds is, “What’s in it for me?” That’s a fair question, so here are some ideas to consider. First-wave changes: Any loan...

Tuesday, September 30, 2025

You’ve probably had several people ask you, “How will you be spending this holiday season?” As your financial professional, my emphasis on the “spending” means something different. Have you started your holiday preparations? Only 24...

Wednesday, September 3, 2025

Even the most well-planned retirement can be disrupted by unforeseen expenses. Many retirees underestimate how unpredictable certain costs can be—and how easily they can derail an otherwise sound financial strategy. Here are five...

Wednesday, September 3, 2025

It’s FAFSA time! As your student prepares for college, they can now fill out a Free Application for Federal Student Aid, or FAFSA, for the upcoming school year.

Tuesday, September 2, 2025

While it may not be as exciting as investment planning or retirement strategies, insurance is a powerful and often underappreciated tool in financial planning. It functions both as a safeguard and a strategic pillar for protecting...

Tuesday, September 2, 2025

It’s time for your life insurance checkup. September is National Life Insurance Awareness Month, so it’s a great time to review your coverage.1 If you don’t have any life insurance, you’re not alone. Life insurance is one of those...

Tuesday, August 26, 2025

There’s something for everyone in the One Big Beautiful Bill Act of 2025. In fact, the Tax Foundation calculated that the new law avoided a tax hike on 62 percent of tax filers in 2026. In dollars and cents, that works out to almost $3,800

Wednesday, August 20, 2025

On July 4, 2025, a major new tax law—the “Make American Workers and Families Thrive Again Act”—was signed into law. This wide-reaching legislation updates many parts of the 2017 Tax Cuts and Jobs Act.

Wednesday, August 20, 2025

The Federal Reserve has what’s called a "dual mandate"—keep everyday prices stable while promoting an economy that creates jobs. Managing that dual mandate is becoming more challenging this year, with prices and jobs giving mixed signals.

Wednesday, June 4, 2025

Retirement is a new stage of life. With some careful prioritizing you can design a working plan for retirement that may surpass all your expectations. If you are trying to envision what your retirement will look like, I have included...

Sunday, May 18, 2025

You’re helping your employees reach a better tomorrow—you deserve the same level of support from your retirement plan advisor. From evaluating vendors and creating adaptable plans to staying on top of compliance, we’ll maximize the...

Tuesday, May 13, 2025

Retirement is a new stage of life. With some careful prioritizing you can design a working plan for retirement that may surpass all your expectations. If you are trying to envision what your retirement will look like, I have included...

Monday, May 12, 2025

We get regular updates on the Social Security trust fund. The Social Security Board of Trustees announced that the trust funds had revenue to pay full benefits until 2035. Generally speaking, the headline’s tone is very grim and...

Friday, May 9, 2025

A recent survey reported that 47% of parents had made financial sacrifices to support their adult children. It's often a difficult decision that can stress relationships, impact retirement strategies, and harm overall financial...

Tuesday, April 29, 2025

Have you heard the expression, “Watch what people do, not what they say?” That’s important these days when it comes to the economic outlook. Some people are “saying” the word recession like it’s a foregone conclusion. But let’s take a...

Saturday, April 26, 2025

Tracking inflation is like herding cats these days. Should you believe the monthly updates from the Bureau of Labor Statistics, what the Fed says about future prices, or your own experience at the grocery store? The answer is maybe a...

Wednesday, April 16, 2025

The March consumer inflation report, which showed some prices at their lowest level in more than four years, was overlooked among all the tariff headlines. Core inflation, which excludes the volatile food and energy factors, rose at a...

Wednesday, April 9, 2025

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...

Thursday, April 3, 2025

When Warren Buffett said, “Be fearful when others are greedy and be greedy when others are fearful,” he wasn’t just talking about investing. He championed contrarian thinking and urged people to capitalize when groupthink can result...

Thursday, April 3, 2025

One of Warren Buffett's famous investing quotes is, "Be fearful when others are greedy and greedy when others are fearful." This wisdom aligns well with his principle: "Rule no. 1: never lose money. Rule no. 2: never forget rule no. 1."

Wednesday, April 2, 2025

refining your retirement plan

Wednesday, April 2, 2025

As a good steward of your money, you understand the importance of paying off credit card debt, but you also know you need to save aggressively for retirement. However, determining which should be your first priority can be perplexing....

Saturday, March 29, 2025

You have an important financial milestone coming up! The year in which you turn 73 is deemed by the IRS your “first distribution year.” This means you must start taking required minimum distributions (RMDs) from any qualified...

Monday, March 24, 2025

Spring is coming! I know this because it's time to send you the new Spring Key Planning & Investment Deadlines reference. Every quarter, I like to send clients, family, and friends a reminder reference of all the key financial...

Monday, March 24, 2025

Are the ups and downs of the stock market leaving you unsettled? Feeling hopeful when the market rises and uneasy when it dips is natural. However, these emotions can sometimes lead to hasty buying or selling, and attempting to...

Saturday, March 22, 2025

It’s been a busy few weeks as all the mixed economic signals have unsettled Wall Street—and market volatility is never comfortable for investors. Here’s a short recap, so grab some popcorn. We’re going to cover a lot of ground...

Sunday, March 16, 2025

If something happened to you tomorrow, would your loved ones know how to access your important records? Would they know which accounts you hold and where your money is? You may have your records organized in a way that works for you,...

Thursday, March 13, 2025

Retirement is a new stage of life. With some careful prioritizing you can design a working plan for retirement that may surpass all your expectations. If you are trying to envision what your retirement will look like, I have included...

Tuesday, March 11, 2025

Do me a favor: print the chart in this email and pin it to your wall. I want you to have a constant reminder that stock prices see pullbacks several times during the year. It’s a normal, healthy part of the investing cycle. Is it...

Monday, March 10, 2025

With AdviceWorks, you can easily access all your financial data, securely store documents, and track your progress toward your goals – all in one convenient place. To help you get the most out of this powerful platform, we have...

Saturday, March 8, 2025

The price action in this year’s stock market has me humming the 1970s tune by The Carpenters called “Rainy Days and Mondays.” As the chart shows, Mondays and Fridays have been awful for investors, while the mid-week days have...

Saturday, March 8, 2025

Warren Buffett, known by some as the Oracle of Omaha, gets much attention whenever he speaks on the record. In a letter opening his company’s annual report, he’s again caught the ear of the business world.1 Some highlights from the...

Friday, March 7, 2025

You may have heard about the recently signed Social Security Fairness Act and wondered what it was and how it might affect you. The Social Security Fairness Act eliminates two longstanding provisions for Social Security: the Windfall...

Thursday, March 6, 2025

The SECURE Act 2.0 has introduced catch-up contribution choices for those aged 50+, designed to help boost your retirement savings. These enhanced catch-up provisions are available if you're participating in workplace retirement plans...

Thursday, March 6, 2025

“Be fearful when others are greedy and greedy when others are fearful” is one of my favorite quotes by Warren Buffett. His words of wisdom encourage investors to be contrarian. He challenges investors to “go against the grain” when...

Saturday, March 1, 2025

Debt can feel overwhelming, but with the right strategies, you can take control of your finances and achieve financial freedom. Whether you have credit card debt, student loans, or personal loans, having a solid plan in place can make...

Friday, February 28, 2025

Have you ever heard the expression, “It’s a buyer’s market?” That phrase describes what’s happening with today’s residential real estate: homes are selling for under their asking price and are taking longer to sell. Good news for...

Friday, February 28, 2025

Life is unpredictable. No matter how well we plan, unexpected expenses can pop up at any moment. Whether it’s a medical emergency, car repair, or job loss, these financial surprises can throw your budget out of whack and leave you...

Saturday, February 22, 2025

Have you thought about making changes to your 401(k) program? As a plan sponsor, you may be thinking about the following issues:1 Should our plan offer our employees more investment choices? How can we make the plan more...

Wednesday, February 12, 2025

How to Control Healthcare Expenses for a Secure Retirement Healthcare is one of the most significant expenses retirees face, and without proper planning, it can quickly deplete savings. This week, we explore key strategies to help you...

Monday, February 10, 2025

Warren Buffett once said, "If you mix your politics with your investment decisions, you're making a big mistake.” There appears to be some truth in Buffett’s quote following a contentious 2024 election cycle. Check out the chart below...

Thursday, February 6, 2025

If something happened to you tomorrow, would your loved ones know how to access your important records? Would they know which accounts you hold and where your money is? You may have your records organized in a way that works for you,...

Wednesday, February 5, 2025

Maximizing Your Social Security Benefits for a Secure Retirement Social Security plays a vital role in retirement income, and making informed decisions about when and how to claim benefits can greatly impact your financial stability....

Wednesday, February 5, 2025

Elder fraud is absolutely rampant. Millions of older people fall victim to scams every year; millions more get duped and never report it. There are many kinds of fraud targeting the elderly, and some are quite difficult to detect. The...

Wednesday, January 29, 2025

Weekly Blog: Retirement Income Planning The Foundation of a Secure Retirement Income Plan Planning for retirement income is one of the most crucial aspects of financial security in later years. Whether you're approaching retirement or...

Tuesday, January 21, 2025

Are you in your early sixties and hoping to make a splash in your retirement strategy? The SECURE Act 2.0 introduced a $11,250 catch-up contribution for those aged 60-63. This “super catch-up” is part of a new tiered catch-up...

Monday, January 20, 2025

This month, America honors the legacy of Dr. Martin Luther King, Jr. As we look around today, we see manifestations of that legacy in the form of stronger, more diverse communities, in the continued fight for equality, and in the...

Thursday, January 9, 2025

You may have heard about the recently signed Social Security Fairness Act and wondered what it was and how it might affect you.The Social Security Fairness Act eliminates two longstanding provisions for Social Security: the Windfall...

Tuesday, January 7, 2025

Inflation is a very personal experience. How it affects you largely depends on the products and services you consistently buy. Over the years, some of you have developed different ways to measure how inflation impacts your daily lives...

Monday, January 6, 2025

If you dream of your financial legacy leaving a lasting impact on the world, there's a way you can make a difference. You can use your Required Minimum Distribution (RMD) to make charitable donations, a strategy that could benefit...

Thursday, December 19, 2024

Budgeting is a powerful first step on the path to building wealth as a young investor. By establishing mindful financial habits now, you can build a solid foundation to support your long-term financial goals. Here are ten budgeting...

Friday, December 13, 2024

If you've noticed your morning brew getting pricier lately, you're not imagining things. Coffee prices have surged to their highest levels since 1977.1 Why the eye-popping prices? While supply chain disruptions and weather issues in...

Tuesday, December 10, 2024

Is Santa Claus coming to Wall Street this year? December tends to be a cheerful month for stock prices, which has some investors keeping an eye out for a late-year visit from Santa. As you can see from the chart, since 1950, December...

Tuesday, December 10, 2024

In the evolving landscape of the workforce, where four distinct generations coexist, addressing the diverse retirement planning needs of your employees can be a challenge. From Gen Z employees grappling with student loans and the...

Friday, December 6, 2024

Social Security beneficiaries will see a 2.5% increase in their benefit payments in 2025, according to the Social Security Administration. The annual cost of living (COLA) adjustment will affect more than 72.5 million Social Security...

Friday, December 6, 2024

Who is Scott Bessent? While he is the nominee to replace Janet Yellen as the U.S. Secretary of the Treasury, unlike a few of the other cabinet nominees, he wasn’t exactly someone with a household name. A former hedge fund manager,...

Thursday, November 28, 2024

“You can tell you ate too much for Thanksgiving when you have to let your bathrobe out” – Jay Leno. May you enjoy a full and Happy Thanksgiving Day!

Wednesday, November 27, 2024

There are some jobs that I just don’t want. The home plate umpire in the 9th inning of a major league baseball game. Fishing in the Bering Sea during an ice storm. Or a Fed Governor who must decide what to do with short-term interest...

Friday, November 22, 2024

The latest episode of our WealthGrow Podcast is now live. You can also view it on our website.

Tuesday, November 19, 2024

Hold everything; stop the presses! There is talk that the Tax Cuts & Jobs Act (TCJA) of 2017 may get extended. With Republicans in control of the legislative and executive branches, most agree that tax reform will be part of the...

Wednesday, November 13, 2024

The Internal Revenue Service has released new limits for the coming year. Individual Retirement Accounts (IRAs)IRA contribution limits remain unchanged in 2025 at $7,000. Catch-up contributions for those over age 50 also remain at $1...

Wednesday, November 13, 2024

One of the more contentious elections in recent years has ended with Donald Trump elected to the first nonconsecutive presidential term since Grover Cleveland in 1892.1 Similarly, the Republican Party took control of the Senate, while...

Monday, November 11, 2024

Budgeting is a powerful first step on the path to building wealth as a young investor. By establishing mindful financial habits now, you can build a solid foundation to support your long-term financial goals. Here are ten budgeting...

Monday, November 11, 2024

Please read Cetera Investment Management's latest commentary, "A New Chapter: Economic Implications of Trump’s Second Term." They examine key policy initiatives from the campaign trail and outline potential market and economic...

Monday, November 11, 2024

If you’re like most of us, you’ve probably been thinking about your health quite a bit lately — especially if you’re approaching retirement. Trust me, I understand. Anticipating your future medical costs can feel daunting. When it...

Tuesday, October 29, 2024

People have told me, “I can’t wait until the election is over.” That tells me there’s a lot of emotion connected to Tuesday, November 5th! But I’m quick to remind people it may take some time to resolve all of the issues after...

Thursday, October 24, 2024

The Internal Revenue Service released the updated income tax brackets, standard deduction, and retirement contribution limits for the 2025 tax year. While these changes won’t impact you for some time, it may benefit you to start...

Thursday, October 24, 2024

The leaves are falling, the weather is getting colder, and the sun is setting earlier. Sure enough, Daylight Saving Time is about to end for the year. I just thought I would remind you. DST ends this year at exactly 2:00 am on the...

Thursday, October 17, 2024

If you’re like most of us, you’ve probably been thinking about your health quite a bit lately — especially if you’re approaching retirement. Trust me, I understand. Anticipating your future medical costs can feel daunting. When it...

Wednesday, October 16, 2024

We are excited to announce the launch of our new podcast series WealthGrow. There will be regular episodes covering a variety of financial topics that we hope you will find informative. Check back regularly. You can also find them on...

Tuesday, October 15, 2024

Medicare’s annual open enrollment period begins October 15 and ends December 7. During this time, current Medicare beneficiaries have the option to adjust their coverage for the coming year. Any changes to your plan will go into...

Tuesday, October 15, 2024

How long has it been since you’ve reviewed your Medicare policy? With open enrollment fast approaching, there are a few questions you may want to ask yourself before you renew, add, drop, or switch coverage. Have you switched doctors,...

Tuesday, October 15, 2024

If you’re like most of us, you’ve probably been thinking about your health quite a bit lately — especially if you’re approaching retirement. Trust me, I understand. Anticipating your future medical costs can feel daunting. When it...

Wednesday, October 2, 2024

Elvis once sang, “Home is where the heart is.” Well, according to a recent study that parsed U.S. Census data, home is also where a good chunk of the money is. ResiClubAnalytics found that nearly 40 percent of owner-occupied homes...

Tuesday, October 1, 2024

Like some of my clients, you may have seen the latest regarding Aretha Franklin's estate. The Queen of Soul passed in 2018, and years later, her loved ones were still caught in legal trials thanks to the existence of multiple wills....

Monday, September 30, 2024

How long has it been since you’ve reviewed your Medicare policy? With open enrollment beginning soon, there are a few questions you may want to ask before you renew, add, drop, or switch coverage. Have you changed or added doctors?...

Monday, September 23, 2024

More than 71 million Social Security beneficiaries can expect a 2.5% cost of living adjustment (COLA) increase in 2025, based on the Q3 inflation data so far. In other words, the COLA will raise the average benefit by $48 to $1,968 a...

Tuesday, September 17, 2024

Are you happy with your current financial professional? Have they met with you to discuss how recent market fluctuations could affect your financial plans? When was the last time the two of you sat down to really discuss goals? It’s...

Monday, September 16, 2024

When you hear “hot dog” and “inflation” in the same sentence, you might think of those supermarket franks that plump up when cooked. In this case, we’re talking about the original dogs of the ballpark, a cultural touchstone of...

Tuesday, September 10, 2024

Anticipation is growing for the Fed’s next two-day policy meeting, which ends on September 18, 2024. And with good reason! If the Fed decides to cut short-term interest rates, it would be the first adjustment to be lower in more than...

Friday, September 6, 2024

Election years, particularly presidential elections, traditionally come into focus after Labor Day. This is when many American voters become fully engaged with the process. With that in mind, I often get the question: “Politics aside,...

Wednesday, September 4, 2024

If you dream of your financial legacy leaving a lasting impact on the world, there's a way you can make a difference. You can use your Required Minimum Distribution (RMD) to make charitable donations, a strategy that could benefit...

Wednesday, September 4, 2024

Saving for retirement requires dedication, focus, and some sacrifice–a three-pronged approach embraced by a greater number of investors! Nearly 500,000 retirement savers are now 401(k) millionaires, according to Q2 stats compiled by...

Monday, September 2, 2024

Thanks to the hardworking individuals who contribute so much to our community, Labor Day fills me with pride. On this wonderfully restful holiday, let's celebrate the tenacity and dedication of America's past and present laborers who...

Thursday, August 29, 2024

If you dream of your financial legacy leaving a lasting impact on the world, there's a way you can make a difference. You can use your Required Minimum Distribution (RMD) to make charitable donations, a strategy that could benefit...

Tuesday, August 27, 2024

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 today’s average...

Wednesday, August 21, 2024

August is the month when many families take their final summer vacation. It’s also the month when back-to-school preparations start and football season comes into focus. But August has a more unsettling side for investors. It’s a...

Wednesday, August 7, 2024

When I meet with people, one of the first topics we discuss is "emergency fund" money. I ask a few questions, such as, “Do you have any funds set aside?”, “Where is it located?”, and, most importantly, “What would trigger you to tap into th

Wednesday, August 7, 2024

The trader's adage goes, “The stock market takes the stairs up and the elevator down.” The saying helps illustrate the speed at which stock prices can move, especially over the last few days. Here's how the recent stock market drop happened

Thursday, August 1, 2024

Although many people view retirement as one stage of life, it’s actually three! Each stage is reflective of your health and independence and can significantly impact your wallet. The spending pattern throughout retirement is U-shaped,...

Friday, July 26, 2024

My office was busy on Friday. Many of you were concerned about the computer outage that affected everything from travel to doctor’s offices to bank and investment accounts and reached out to share your concerns. It was a bit of a...

Tuesday, July 23, 2024

We are very pleased to announce a new addition to our team, Adam Rubin ! Adam comes to us with over 15 years of experience as a business owner and real estate appraiser. He has decided to pivot to an industry where he would have...

Tuesday, July 16, 2024

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 assets. Below...

Tuesday, July 16, 2024

I watch many economic trends and business issues evolve as a financial professional. The rapid rise of artificial intelligence (AI) during the past year has been remarkable, and it has spotlighted the fast-paced decision-making in the...

Monday, July 15, 2024

No one wants to think about something tragic happening to a family member, but unfortunately the unexpected can happen. Learn how everyone from young professionals to active parents can take action to protect their loved ones....

Sunday, July 14, 2024

As we continue through 2024, I wanted to share some data that many may find positive. Fidelity Investments just announced that 440,000 retirement savers reached an incredible milestone in 2023: $1 million in their 401(k).1 That's...

Friday, July 12, 2024

Maximizing Benefits Before Tax Cut Provisions Expire The Tax Cuts and Jobs Act of 2017 (TCJA) made some of the most consequential tax law changes in decades. The most significant provision temporarily increased the unified lifetime...

Friday, July 12, 2024

Most Americans want to age in place and spend their retirement years comfortably. According to Forbes, 77% of people 50 and over said aging in place was their preference. However, statistics show over half of people aged 65 will...

Thursday, July 4, 2024

Fourth of July is a day to celebrate our liberty, freedom and independence. Enjoy your time celebrating with loved ones. Wishing you a happy and safe Fourth of July!

Wednesday, July 3, 2024

We get regular updates on the Social Security trust fund. In early May, the Social Security Board of Trustees announced that the trust funds had revenue to pay full benefits until 2035. Generally speaking, the headline’s tone is very...

Friday, June 14, 2024

As the Olympic Games are being held this year in Paris, I thought it would be interesting to explore how the Olympians earn their chance at gold, silver, or bronze. It turns out that, just like in the world of finance, the path to the...

Tuesday, June 11, 2024

The challenge with managing inflation is that there are no brakes. Nothing can make inflation “stop on a dime” and then resume at a nice, predictable two-percent annual rate. Policymakers can only guide inflation to pursue a desired...

Monday, June 10, 2024

Ticketmaster is reeling from a data breach. Hackers stole the data of over 500 million customers, compromising information related to ticket sales, including credit card numbers.1 While this news is incredibly troubling, it’s also...

Tuesday, June 4, 2024

Investors know that the stock market moves in cycles, but the cycle has seen no daily drops of more than 2 percent for over a year. As the accompanying chart shows, the 2023-2024 stretch of low volatility ranks 9th since 1966. Is that...

Monday, June 3, 2024

If you find yourself simultaneously raising your own children while tending to your parents as they grow older, you’re not alone. Often aptly referred to as “the sandwich generation,” it’s at this unique stage that you're sandwiched...

Friday, May 31, 2024

Have you seen the grocery store signs that say, “Buy one, get one,” or “Buy one at $4.99, or get four for $2.99 each?” It’s a concept called “spaving,” a time-tested marketing strategy designed to get consumers to spend more–perhaps...

Tuesday, May 28, 2024

We get regular updates on the Social Security trust fund. In early May, the Social Security Board of Trustees announced that the trust funds had revenue to pay full benefits until 2035. Generally speaking, the headline's tone is very...

Wednesday, May 22, 2024

“Sell in May and go away.” Or so goes the Wall Street adage. But so far this year, that “old saw” is being tested. In fact, “Buy in May and go away” could be a better approach in 2024! Why has May started so well? It’s all about the...

Friday, May 10, 2024

One of my responsibilities is keeping you informed when financial forces manifest—even when they reside in a galaxy far, far away. Every year, Star Wars fans use May the 4th (as in, "May the force be with you.") to celebrate their...

Friday, May 10, 2024

Warren Buffett, the “Oracle of Omaha,” held court at the annual Berkshire Hathaway meeting in early May. Few events on the American business calendar are so hotly anticipated, and there is no hotter ticket in Nebraska- perhaps the...

Tuesday, April 30, 2024

I don’t know about you, but every time I see headlines that say, “Top 10 Reasons” or “How Much Do You Need,” I click on it. So when I saw the CNBC article, “You’ll need at least $1 million to retire comfortably in these 10 U.S. States...

Tuesday, April 23, 2024

Over the next four weeks, the vast majority of publicly traded companies will update shareholders on business conditions in Q1. It's called "earnings season," and it happens four times a year. So buckle up because it's relatively...

Friday, April 19, 2024

I recently read an article in which a financial columnist for a major publication was the victim of an elaborate and expensive scam. The con transpired over several hours, but it began with a phone call from a "trusted" retailer's...

Monday, April 15, 2024

When financial professionals like me start digging into the tools we use to assess financial market valuations, one thing that catches our eye is the U.S. money supply. We look closely at measures like M1 and M2— basically the rock...

Saturday, April 13, 2024

You’ve heard the expression, “A rising tide lifts all boats.” The same can be true for the financial markets. “A market rally creates wealth (and may help manage debt, too).” As you can see in the first chart, U.S. households have...

Friday, April 12, 2024

As a rule, I avoid drawing attention to market anomalies unless I believe there’s a good investing lesson for everyone. The unusual price action in the cocoa market is giving me that opportunity. So today’s lesson is, “hindsight is...

Friday, April 12, 2024

This week, I've seen more than a few outlets covering gold's increase in value. Although it's true that the commodity recently reached a record high, it's essential to understand what factors are driving the most recent rally that...

Monday, April 1, 2024

Can you imagine winning $1.13 billion (before taxes)? If you've seen the headlines, you know this isn't a hypothetical for one lucky resident of New Jersey.1 I have no doubt the winner will feel like (over) a billion bucks if they...

Tuesday, March 19, 2024

Spring is here! And soon the landscape will turn greener and the weather warmer. Perhaps you are already thinking about what you would like to do – the trips you could take, that new look for your yard or your garden, a day at...

Tuesday, March 19, 2024

Manage Your Money More Effectively Not having positive money management habits can have a severe impact not just on your current finances but also on your future finances. Creating and sticking to good habits can help you feel more in...

Monday, March 18, 2024

I recently read that 47 percent of parents provide their adult children with financial support. Termed "parental patronage" by many, some parents even contribute more to their adult children than they do to their retirement accounts....

Friday, March 15, 2024

St. Patrick’s Day is fast approaching! On March 17, the annual celebration of Irish culture begins with parades, festive music, and fun from coast to coast. Celtic music, Irish pastries, corned beef and cabbage, the camaraderie,...

Tuesday, March 12, 2024

When does the phrase “no hurry” turn into “not in 2024?” During a recent testimony to Congress, Federal Reserve Chair Jerome Powell reiterated that he expects short-term interest rates to trend lower in 2024....

Wednesday, February 28, 2024

Wall Street keeps asking, “When will the Fed start cutting interest rates?” But perhaps the better question is, “What is the Fed looking for before it would consider cutting interest rates?” As you may recall,...

Wednesday, February 14, 2024

It’s an honor to help you plan for your financial future. Thanks so much for your business! Have a happy Valentine’s Day!

Wednesday, February 14, 2024

Sir John Templeton once said, "The four most expensive words in investing are: ‘This time it’s different."1 And normally, I would agree. But it seems like the phrase, "This time it’s different," may actually apply to...

Tuesday, February 13, 2024

I can't remember the last time there was such a wide divergence in the outlook for short-term interest rates. But, some confusion is to be expected when the Federal Reserve primes the markets for lower rates but provides few details....

Tuesday, February 13, 2024

Over the last week or so, I've seen multiple headlines celebrating a new child tax credit— just one part of a larger $78 billion tax package recently passed by the House of Representatives.1 Undoubtedly, this could be great news...

Tuesday, February 6, 2024

As the much-anticipated Super Bowl LVIII draws nearer, I thought sharing some fascinating details about the big event that will have us all on the edge of our seats would be interesting. Let's huddle up and review the stats that make...

Friday, February 2, 2024

Discover the key considerations in choosing Medicare coverage, including costs, coverage rules, doctor choices, and travel coverage, among others. Plus, learn how to protect yourself from the Medicare COVID Test Scam, which involves...

Thursday, February 1, 2024

As Valentine's Day approaches and Spring draws ever nearer, I thought it might be fun to look at the financial side of February 14. Shockingly, the day many consider the most romantic is also a sweet boost to our nation's economy....

Monday, January 22, 2024

The Internal Revenue Service has released new limits for the coming year. After months of high inflation and financial uncertainty, some of these cost-of-living-based adjustments have reached near-record levels. Individual Retirement...

Monday, January 1, 2024

May this year be the brightest, most adventurous and memorable one yet. Enjoy celebrating!

Friday, December 15, 2023

As in previous year's the office will close for the holidays on December 22nd and re-open on Wednesday January 3rd.  We will be checking email and voicemail during the period. We hope you can all enjoy the time spent with friends...

Wednesday, December 6, 2023

You’re most likely reading this on your phone—and with just a few more clicks, you can access the AdviceWorks® Client Access app! View your complete financial picture and engage with us, no matter where you are....

Sunday, December 3, 2023

Time's Person of the Year, Taylor Swift, is shaking off economic downturns and hitting high notes not just on stage but in the U.S. economy, too. The pop sensation's impressive impact extends beyond her record-breaking music, reaching...

Saturday, December 2, 2023

Fed Chair Powell finally made his much-anticipated “pivot” at the close of the Fed’s two-day December meeting, saying he sees short-term rates heading lower next year. Perhaps much lower. Surprised but excited, the...

Friday, December 1, 2023

Medicare Open Enrollment is coming to a close, so if you are considering making a change to your plan, it's time to take action. Changes you make during 2023 open enrollment go into effect on January 1, 2024. Here are a few factors...

Tuesday, November 21, 2023

Please be advised that our offices will be closed Thursday, November 23rd and Friday, November 24th in observance of Thanksgiving.

Wednesday, November 15, 2023

Many consider the University of Michigan the gold standard for reporting on consumer sentiment and trends. Among its 50 monthly reports, the most well-known is the "UMich Consumer Sentiment" survey, which measures consumer confidence....

Wednesday, November 15, 2023

The Internal Revenue Service has released new limits for the coming year. After months of high inflation and financial uncertainty, some of these cost-of-living-based adjustments have reached near-record levels. Individual Retirement...

Thursday, November 2, 2023

Investors know that the stock market moves in cycles, but few are comfortable when the cycle takes stock prices lower. And since late August, the cycle has been decidedly lower. If you’re looking for reasons to worry, you...

Thursday, October 26, 2023

How much are you withholding per paycheck?Is the amount too little? (Or too much?) Find out the answer before the year ends. You may not want to discover next year that your withholding amount for this year was too small. The IRS...

Tuesday, October 24, 2023

The Social Security Administration recently announced that over 71 million Americans, including Social Security and Supplemental Security Income beneficiaries, will receive a 3.2% increase in their benefits for 2024.1 However, it is...

Friday, October 20, 2023

You may have heard the idea that the Fed is trying to “thread a needle” with the economy by raising interest rates to slow growth but not cause a recession. Well, we’re at crunch time with that plan. We’re at...

Friday, October 20, 2023

How long has it been since you’ve reviewed your Medicare policy? With open enrollment fast approaching, there are a few questions you may want to ask yourself before you renew, add, drop, or switch coverage. Have you switched...

Tuesday, October 10, 2023

The Fed’s ongoing pledge of “higher interest rates for longer” has rattled financial markets and raised the cost of everything from mortgages to credit cards. Now adding to tensions are the recent events in the...

Tuesday, October 10, 2023

The Branch Office (Stuart & Karen), will be closed from end of day Friday October 13th until Monday October 23rd for vacation. We will have access to voicemail and email during the period, so if you need our attention during this time...

Sunday, October 8, 2023

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...

Thursday, October 5, 2023

Turning 65 means you’re now eligible to receive Medicare benefits. But sorting through the Medicare alphabet can be challenging. How do you get started and what do you need to know before you enroll? The first step is to visit...

Thursday, October 5, 2023

Whether you’re receiving Medicare benefits now, or will begin soon, it’s important to understand how income-based premiums are calculated for Medicare Parts B and D.  Your premium is determined by your modified...

Tuesday, October 3, 2023

Have you ever heard the expression, “It’s a headline risk for the markets?” Headline risk is the chance that an unsettling news event–anticipated or a surprise–can add volatility to the financial markets....

Tuesday, October 3, 2023

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,...

Friday, September 15, 2023

From Sept. 15 to Oct. 15 we celebrate National Hispanic Heritage Month. It’s time to honor the culture and contributions of the Hispanic and Latin Americans that make up our great nation. National Hispanic Heritage Month started...

Saturday, September 9, 2023

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...

Monday, September 4, 2023

How to Prepare for Retirement Living Transitioning into retirement can be both exciting and challenging. After years of hard work, you finally have the opportunity to relax and enjoy what are often called your “golden years...

Sunday, September 3, 2023

The stock market rebound has significantly increased the number of workers with $1 million or more in their workplace retirement accounts. According to Fidelity Investments, employees with 401(k) balances exceeding $1 million rose 26...

Wednesday, August 30, 2023

The branch office will be closed on Monday September 4th in observance of the Labor Day holiday.  We hope evryone has a great day with friends and family.

Monday, August 28, 2023

Nobody ever said you have to like a pullback in stock prices. But it's critical to understand 1) why they happen and 2) why they are challenging. A pullback is considered a moderate drop in prices from recent peaks that occur within a...

Friday, August 18, 2023

Wall Street is slowly starting to talk about an “expansion economy” and forgetting about any recession fears. July’s consumer inflation report was soft, so attention will soon shift to gross domestic product in the...

Wednesday, August 16, 2023

August is Make a Will Month, a time dedicated to strategizing for the future. You may have seen in the news that Aretha Franklin's loved ones are still caught in a legal battle due to the existence of multiple wills. The lesson from...

Sunday, August 13, 2023

Why is August a volatile month? One simple reason: many people are on vacation. And when people are out of the office, the financial markets often see less trading, which can cause big price swings following news events. The Fitch...

Saturday, August 12, 2023

If you've heard CEOs mention "A.I." multiple times during second-quarter conference calls, you're not imagining it. There have been an astounding 1,072 mentions of A.I. (and counting) so far.1 Some believe that A.I. has the potential...

Thursday, August 3, 2023

You already know that naming beneficiaries for your retirement accounts, life insurance policies and other assets is a critical component of estate planning. We want to call out a few common gaps we see in this process so you can...

Thursday, July 27, 2023

Have you considered downsizing? Although it’s common for people to think that “bigger is better,” it can be worthwhile to consider the pros and cons of downsizing and whether a smaller home can serve you, your...

Friday, July 21, 2023

Sometimes, a picture is worth 1,000 words. So I decided to include an image of the June Consumer Price Index (CPI) report to help put inflation in better perspective:Core CPI, which excludes volatile food and energy prices, rose just 0...

Friday, July 21, 2023

Like some of my clients, you may have seen the latest regarding Aretha Franklin's estate.The Queen of Soul passed in 2018, and years later, her loved ones are still caught in legal trials thanks to the existence of multiple wills.As...

Monday, July 17, 2023

Now that summer is in full swing, it's the perfect time to take a trip. But sometimes, even your best-laid plans go a little off-kilter.Here are a few of the most common travel issues and how to make sure that no matter what happens,...

Wednesday, July 12, 2023

Most Common Employee BenefitsIf you just started a new job or are preparing for life changes, it’s important to check in on your employee benefits. But what do “employee benefits” include? There are three overarching...

Monday, July 10, 2023

The branch office will close on Friday July 14th and re-open on Monday July 24th for vacation.  We will be checking voicemail and email during this period.

Tuesday, July 4, 2023

Fourth of July is a day to celebrate our liberty, freedom and independence.Enjoy your time celebrating with loved ones. Wishing you a happy and safe Fourth of July!

Monday, July 3, 2023

The Fourth of July is nearly here, one of the high points of summer in America.All of us will have the chance to celebrate our democracy, our diversity, our personal freedom, and our liberty to pursue our goals and dreams.Enjoy the...

Sunday, July 2, 2023

The Fourth of July is just ahead – a chance for us all to get together and celebrate what makes America so special. As Americans, we have the liberty to act, speak, think, and worship freely. This precious liberty was fought for,...

Friday, June 30, 2023

Our most important goal as a financial services business is to take care of our customers’ financial needs through amazing customer service. As a key partner to an individual’s financial strategy, you’re engaging in...

Wednesday, June 21, 2023

Jerome Powell skipped an interest rate hike at the Fed’s June meeting, but the market isn’t buying what the Fed Chair is selling about what’s next with short-term rates.Powell signaled that two more rate increases may...

Monday, June 19, 2023

Did you know an estimated 70% of wealth passed down doesn’t make it past the second generation? Up to 90% disappears by the third generation.1 This is why proper financial education, and an established estate plan are important....

Sunday, June 18, 2023

Hope you feel extra appreciated today! Have a relaxing day.

Saturday, June 17, 2023

If the days are feeling warmer and longer, that's because we're approaching the Summer Solstice, the longest day and shortest night of the year, and known as Midsummer in many cultures.The length of the day changes depending on where...

Thursday, June 15, 2023

Cetera Advisor Networks, THe NYSE and our branch office will be closed on Monday June 19th in observance of the holiday.

Wednesday, June 14, 2023

Here’s a riddle. “I’m a two-word phrase that we heard almost every day for two years, but it has dropped from almost all economic talk in 2023?”Answer: Supply chain.As you can see from the accompanying chart,...

Tuesday, June 6, 2023

Fluctuations in the stock market are inevitable, as national and global circumstances are constantly changing. The only thing you can control is your reaction, and how informed you are about trends in the market.What is a Bull Market?A...

Friday, May 26, 2023

Summer’s here, and the time is right for fun in the sun (or shade). Like many of us, you’re probably looking forward to an extended getaway or family trip. But summer also means planning for hot weather, which can come with...

Friday, May 26, 2023

Market timing must be exhausting. Always moving in and out of the markets based on economic analysis or business headlines must be so challenging.The accompanying chart shows that money held in money market mutual funds rose to $5.1...

Friday, May 19, 2023

We understand that estate planning can be a difficult and confusing process. That's why we are here to help you navigate the process and ensure that your wishes are carried out. We can help you with estate planning and avoiding probate...

Thursday, May 18, 2023

Retirement is the time to finally do all the things you've been dreaming of! Whether it's traveling the world, taking up a new hobby, or just relaxing and enjoying life, your retirement should be exactly what you want it to be. So,...

Wednesday, May 17, 2023

June 23 Newsletter

Sunday, May 14, 2023

A mom can be a great friend, a guiding light, a teacher. One thing’s for sure: no one can take her place. This Mother’s Day, we want to take the time to honor and thank the ones who have helped make us who we are.Here are...

Saturday, May 13, 2023

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...

Friday, May 12, 2023

Are you feeling overwhelmed by all of your assets? Do you have a hard time keeping track of them all? Asset-Map can help! Asset-Map is a great tool for anyone over 40 who wants to get a better handle on their assets. It allows you to...

Thursday, May 4, 2023

Spring is about new beginnings, and that applies to Medicare as well. Whether you are a first-time recipient or looking to update your plan for the year, you can read about some of your coverage here.What screenings does Medicare...

Thursday, May 4, 2023

Just to let our clients be aware,  that currently, none of the advisors in our branch are permitted to send or receive texts from clients or prospects. So, if you send a text you will not receive a response which will lead to a...

Wednesday, May 3, 2023

Financial markets can be challenging to understand. And when markets enter a “bad news is good news” cycle, it becomes even more challenging to follow along.Stock prices rallied at the end of April after the Commerce...

Tuesday, May 2, 2023

I wanted to take a moment to update you on the potential changes to Social Security benefits for 2024. As I'm sure you know, the Social Security Administration calculates annual cost-of-living adjustments (COLA) based on the Consumer...

Sunday, April 30, 2023

While many life events provide us with adequate time to prepare, such as marriage, the birth of a child, or retirement, others—like accidents, injuries, or the death of a loved one—can happen without notice or a chance to...

Thursday, April 27, 2023

The first step to take when building wealth is determining your net worth. Net worth is the total of your assets minus your liabilities. In other words, the value of everything you own, minus what you owe creditors.(Total Assets)...

Tuesday, April 25, 2023

For many women like you, being financially secure is an important goal, whether you’re married, single, working, or staying home with children. This financial independence can give you a certain level of empowerment and...

Tuesday, April 25, 2023

You have an important financial milestone coming up! The year in which you turn 73 is deemed by the IRS your “first distribution year.” This means you must start taking required minimum distributions (RMDs) from any...

Monday, April 24, 2023

For many clients, the April tax filing deadline marks the end of tax discussions for the year. As you well know, tax planning throughout the year can help them prepare for changes as well as help lessen their tax burden. When trusted...

Monday, April 24, 2023

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...

Monday, April 24, 2023

Over the next several weeks, we will hear from corporate leaders as they update investors on their first-quarter financials and provide a glimpse into the rest of the year.But this quarter, the actual financial results may be of only...

Sunday, April 23, 2023

A recent survey reported that 68% of parents had made financial sacrifices to support their adult children. It's often a difficult decision that can stress relationships, impact retirement strategies, and harm overall financial...

Saturday, April 22, 2023

Earth Day is a day to celebrate our beautiful planet, enjoy nature, and make a conscious effort to help protect our environment.There’s no place like home, and Earth is home for us all. May we all reflect on Earth’s...

Saturday, April 22, 2023

If you're an investor looking for something to worry about, you never have to go more than a few days on Wall Street.As you can see from the accompanying chart, 11 economic reports are scheduled for release during 19 trading days in...

Monday, April 17, 2023

A proper retirement strategy design balances three basic elements: your savings and tax management objectives, cash flow, and goals for employee benefits.Your specific needs make your strategy unique—does yours meet them? Ask...

Monday, April 17, 2023

Retirement management doesn’t stop when you retire. It’s equally important to have a strategy designed to meet your needs throughout your retirement.Your tip this month: Re-evaluate your budget and cash flowCreating...

Monday, April 17, 2023

Newsletter

Wednesday, April 12, 2023

Gifting stocks can be a great idea. Whether you give one share, 100 shares, or even more, gifting a stock can help loved ones build their wealth. It can also be an ideal way to donate to the charity of your choice.Ways to Gift...

Wednesday, April 12, 2023

Recently, you may have seen reports that the so-called “depletion date” for Social Security was adjusted. This refers to the predicted date when the long-running program will no longer be able to pay full benefits.Barring...

Tuesday, April 11, 2023

As you’re getting your student ready for college, there’s probably a lot on your mind. However, there’s one deadline you cannot afford to miss.In some states, deadlines may be even sooner, so plan ahead if you can.To...

Saturday, April 8, 2023

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...

Wednesday, April 5, 2023

Best wishes to you and yours for a happy and joyous Passover. May your holiday be filled with friends, family and a feeling of peace.

Monday, April 3, 2023

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...

Monday, April 3, 2023

The branch office will be closed on Thursday 6th & Friday 7th for Easter,  The markets  and Cetera will be closed on Friday March 7th for Good Friday. We hope you have a great one. We will be checking email and voicemail...

Friday, March 31, 2023

Jerome Powell is a man of his word. And the financial markets believe that's an excellent trait for the Federal Reserve Chairman.Powell told the financial markets to prepare for a 25 basis points increase in short-term rates in early...

Sunday, March 26, 2023

Last year, we all witnessed some anxiety-producing headlines.I hope our firm's communications deliver a balanced view of breaking news, regulatory and tax law changes, economic topics, and timely market updates. Our goal is to keep you...

Thursday, March 23, 2023

Even the most thought-out financial strategy may need to be adjusted for unexpected events, such as changes to your family life or career, or shifts in your family priorities. These are important opportunities for us to connect and...

Wednesday, March 22, 2023

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...

Tuesday, March 21, 2023

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...

Monday, March 20, 2023

Keep Your Estate Plan In OrderIs your estate plan still up to date? There's no time like the present to revisit your latest draft.Even if you're retired and have created a plan for your estate and assets, it’s still a good idea...

Saturday, March 18, 2023

Are you happy with your current financial professional?Have they met with you to discuss how recent market fluctuations could affect your financial plans? When was the last time the two of you sat down to really discuss...

Saturday, March 18, 2023

Looking to accelerate your growth, but not sure of the best path forward? With Growth360, plus the one-on-one support of your Growth Officer, we’ll help you develop a customized plan that can help maximize your potential.We get...

Friday, March 17, 2023

The start of the new year is like trying a new recipe. The kitchen is buzzing with anticipation and the stove is warm, pre-heated with our goals for the coming year. It’s a time to reflect on where we want to improve in life,...

Friday, March 17, 2023

A proper retirement strategy design balances three basic elements: your savings and tax management objectives, cash flow, and goals for employee benefits.Your specific needs make your strategy unique—does yours meet them? Ask...

Thursday, March 16, 2023

You’ve spent years building and protecting your wealth. Now it’s time to ensure your wealth becomes the legacy you envision with comprehensive trust and estate planning.Whether you want to provide for your loved ones,...

Thursday, March 16, 2023

When events like Silicon Valley Bank (SVB) and Signature Bank happen, it's natural to wonder how a bank safeguards your funds. Fortunately, the Federal Deposit Insurance Corporation (FDIC) insurance was designed for this very reason:...

Wednesday, March 15, 2023

Your wealth has allowed you to enjoy a fulfilling lifestyle. It’s also given you the opportunity to help other people, organizations, and the causes you support. Your generosity will be a key component of your legacy.I want to be...

Wednesday, March 15, 2023

You have an important financial milestone coming up! The year in which you turn 73 is deemed by the IRS your “first distribution year.” This means you must start taking required minimum distributions (RMDs) from any...

Tuesday, March 14, 2023

What’s the secret to building and maintaining wealth? A comprehensive tax strategy to ensure you hold onto the wealth you have built throughout your lifetime.Tax laws can be notoriously complicated and hard to navigate,...

Tuesday, March 14, 2023

On average, women in the U.S. live longer than their male counterparts, making outliving their income in retirement a very real possibility for many.According to a 2019 study from T. Rowe Price measuring gender and retirement:43% of...

Monday, March 13, 2023

What do you want to do with your money? Provide for your family, fund your lifestyle, support causes that are important to you, build your legacy: the options are limitless. Whatever your plans, your next step must be to protect what...

Monday, March 13, 2023

Try these 5 strategies to gain financial health.Being financially healthy looks different for everyone and every life stage. But what almost everyone can agree on are the benefits of creating positive habits to improve the health of...

Monday, March 13, 2023

Today, many successful business owners are using advanced retirement strategy designs to manage tax liabilities. For example, a Roth 401(k) paired with a profit-sharing or defined benefit plan gives you the opportunity to:Forego a...

Monday, March 13, 2023

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...

Monday, March 13, 2023

The Cookie Monster in all of us will have to learn a little restraint this year. In what is becoming a familiar story, supply chain issues have hit yet another beloved American staple: Girl Scout Cookies.Specifically, some fan-favorite...

Sunday, March 12, 2023

You have achieved financial prosperity and you deserve to enjoy your success. To do that, you need a financial plan designed to protect your holdings while also avoiding the common risks that chip away at assets.For wealthy individuals...

Sunday, March 12, 2023

For many women like you, being financially secure is an important goal, whether you’re married, single, working, or staying home with children. This financial independence can give you a certain level of empowerment and...

Sunday, March 12, 2023

Are Your Financial Gifts Costing You?Know the financial gift limits to avoid unnecessary taxes.You might have heard about financial gift limitations and wondered if that’s something that applies to the financial gifts you give...

Saturday, March 11, 2023

Money is a powerful tool that allows you to live your best life, but it should also protect against the unexpected detours we all experience on our journeys.I work with a team of experts in fields like long-term care and life insurance...

Saturday, March 11, 2023

THE REWARDS THAT COME WITHCHARITABLE GIVINGSome charitable contributions are 100% tax deductible, while others you can't deduct from your taxes. If you want to maximize your tax savings through charitable giving, it's important to know...

Friday, March 10, 2023

Could your wealth be doing more for you? As an investor with numerous assets, you may be missing out on key strategies and solutions that would benefit your portfolio. I can help you create a customized investment portfolio focused on...

Friday, March 10, 2023

Right about now you’re probably thinking time flies—and it does! Many people aren’t aware that the best time to begin planning for and learning about their Medicare options, eligibility, and enrollment requirements is...

Thursday, March 9, 2023

Jerome Powell would be terrible to have in your book club. He would always reveal how the book would end.When the Fed Chair spoke following the Fed meeting in February, he said, “we’re in the early stages of...

Wednesday, March 8, 2023

Do the days seem to be getting just a bit longer? Yes, you’re correct. It is almost Daylight Saving Time.Many of the timepieces you rely on will make the change thanks to their software programming; others will need adjustment....

Sunday, March 5, 2023

One of my favorite Warren Buffett quotes is, “Remember that the stock market is a manic depressive.”What he’s suggesting is that stock prices can sometimes swing wildly from day to day in response to even minor news....

Thursday, March 2, 2023

Investors put the economy on recession watch when the Fed started its “higher in a hurry” push with short-term interest rates in mid-2022.After the 10-year/2-year Treasury curve inverted in July 2022, it was “all...

Wednesday, March 1, 2023

The time following Valentine's Day has always served as a reminder that Spring is on the way. The days are getting longer, the birds and the bees are doing their thing, and people everywhere are thinking about future travel and...

Tuesday, February 28, 2023

Would it surprise you that the U.K. stock market is hitting new all-time highs and several other European markets are either at new highs or approaching new all-time highs?It seems like only a few months ago, European economies...

Monday, February 27, 2023

Please read through this information about an ongoing cybercrime called “pig butchering” that is affecting individual investors and their financial advisors. Please note: This email is purely informational and there is no...

Thursday, February 9, 2023

As the biggest sporting event of the year approaches, football fans all over the nation (including us) are gearing up for the Big Game on Sunday, February 12, at 6:30 PM ET.For many, Sunday means a day of tasty tailgating and...

Wednesday, February 8, 2023

"Is the bear market over?"That's a question I've been asked a number of times in recent weeks. And my answer is the same, "Let's give it a little time."But people are quick to remind me that stocks are off to a good start in 2023,...

Monday, January 30, 2023

January 30 to February 3, 2023, is Identity Theft Awareness Week. Anytime is a good time to tighten up your identity security, but if you haven’t been as careful as you intended, consider this your annual reminder. Here are a few...

Saturday, January 28, 2023

The initial read on Q4 Gross Domestic Product (GDP) gets released on January 26, and private economists and Federal Reserve estimates have very different economic outlooks.In the accompanying, you can see that the Atlanta Fed’s...

Monday, January 23, 2023

The December inflation report had some encouraging news. It showed that consumer prices trended lower for the month, but more importantly, it confirmed that overall prices have been trending lower for the past six months.Now the ball...

Thursday, January 19, 2023

What does the bond market know that the Fed isn’t telling us?Fed officials recently have said that short-term rates will need to climb to over 5 percent to bring inflation under control. But in the table below, you can see that...

Monday, January 16, 2023

This month, America honors the legacy of Dr. Martin Luther King, Jr.As we look around today, we see manifestations of that legacy in the form of stronger, more diverse communities, in the continued fight for equality, and in the...

Tuesday, January 10, 2023

The Financial markets, Cetera Advisor Networks and our Branch Office (Stuart & Karen) will be closed on Monday January 16th 2023 in observance of Martin Luther King, Jr. Day.

Sunday, January 8, 2023

For many women like you, being financially secure is an important goal, whether you’re married, single, working, or staying home with children. This financial independence can give you a certain level of empowerment and...

Saturday, January 7, 2023

We have all heard bad financial advice at some point in our lives. These misconceptions seem small but end up doing more harm than good. Here are a few of the most common misconceptions we’ve heard repeated by clients...

Thursday, January 5, 2023

Congress spent the final days of 2022 on new reforms designed to help Americans save more for retirement.You may hear the changes called SECURE Act 2.0, which is a follow-up to the Setting Every Community Up for Retirement Enhancement...

Monday, January 2, 2023

We have all heard bad financial advice at some point in our lives. These misconceptions seem small but end up doing more harm than good. Here are a few of the most common misconceptions we’ve heard repeated by clients...

Sunday, January 1, 2023

After a complicated year, the next dawns with new opportunities. Now is the time to think about the new year and plan for action. The start of a year is the right time to work on a dream or two. It is also an excellent time to adjust...

Wednesday, December 28, 2022

Nice and cozy can turn to cabin fever in a hurry. We’ve been there and recommend these activities when it’s time to break up that winter monotony.Visit a MuseumMuseums are at their busiest during the spring and summer, so...

Saturday, December 17, 2022

The holiday season is upon us; from story time with sorely missed grandchildren to laughter with friends and family over long-cherished memories, there's little doubt that "the most wonderful time of the year" has arrived.For my family...

Saturday, December 10, 2022

Quick update for you: as in previous years, our office will be closed on Friday December 23rd and re-open on Tuesday January 3rd 2023 for the upcoming holidays . If you need to get in touch, give us a call or email, we will be checking...

Wednesday, December 7, 2022

It appears that America’s corporate leaders are preparing for the worst while hoping for the best.Almost half of S&P 500 CEOs in second-quarter conference calls pointed to “recession” as a potential headwind in 2023....

Thursday, December 1, 2022

What is the Form 709The Form 709: United States Gift (and Generation-Skipping Transfer) Tax Return allows you to report the transfer of assets that may be subject to federal gift tax and other specific generation-skipping transfer...

Thursday, November 24, 2022

Have a great Thanksgiving. May your holiday be filled with family, food and fun!

Wednesday, November 23, 2022

The warmth of the holiday meal beckons. Thanksgiving is a time for gathering with loved ones and observing gratitude.So, as you gather around the table, look around and give thanks for the family and friends surrounding you. Give...

Wednesday, November 16, 2022

October's Consumer Price Index (CPI) had some encouraging news for investors, but others asked, "Is this a game changer or another head fake?"While it's a bit early to know the answer, it was great to see that inflation rose at a...

Tuesday, November 15, 2022

The midterm elections have come and gone, and although the results don’t appear as one-sided as many predicted, it seems one party will narrowly take control of the House, while the Senate may hinge on a Georgia runoff.It's...

Saturday, November 12, 2022

It’s your business. Shouldn’t it be your profit?There’s no doubt you work hard to do right by your clients. But does your payout truly reflect all that you do for them and the work you put into your business?The...

Friday, November 11, 2022

Having the business you want to work at beats working at wanting the business you have. Why keep feeling like you’ve been pigeonholed into someone else’s solutions?There’s no “one way” to be independent,...

Saturday, November 5, 2022

One of the best ways to help you create a stronger financial future is to ensure you have complete access to your financial picture and make it easier for us to collaborate.To keep you informed and keep us connected, you now have...

Friday, November 4, 2022

You may have heard the phrase “contrarian investing,” but did you know that one of the most reliable contrary indicators is individual investors?Retail investors often do the wrong thing at the wrong time. But this year,...

Saturday, October 29, 2022

The Internal Revenue Service has released new limits for the coming year. After months of high inflation and financial uncertainty, some of these cost-of-living-based adjustments have reached near-record levels.Individual Retirement...

Friday, October 28, 2022

I’ve always been a little cautious when people say, “it’s different this time.” But the table below suggests the Fed is approaching 2022’s inflation differently than other financial events in recent...

Wednesday, October 26, 2022

Why to Check Your WithholdingThe IRS doesn't require you to file a return unless you owe money. However, it does allow you to deduct certain taxes from your income, such as state and local sales taxes, property taxes, mortgage interest...

Monday, October 24, 2022

Lately, "inflation" seems to be the media's favorite word. Everywhere you turn, there's another story about the impact of inflation. For example, many news outlets have reported that confectionary prices have surged over 30% from last...

Friday, October 21, 2022

Stubborn doesn’t seem like a strong enough word, but that’s how Fed officials are describing inflation.Inflation's “stubbornness” has been on full display in recent weeks: First, the Producer Price Index (PPI)...

Monday, October 17, 2022

We measure the jobs market in many ways, but the Job Opening and Labor Turnover Survey or JOLTS report seems to be of particular interest to Fed Chair Jerome Powell.The JOLTS report tells the Fed how many job openings there are each...

Wednesday, October 12, 2022

A proper retirement strategy design balances three basic elements: your savings and tax management objectives, cash flow, and goals for employee benefits.Your specific needs make your strategy unique—does yours meet them? Ask...

Tuesday, October 11, 2022

Year-end is a critical time for retirees who are subject to required minimum distributions (RMDs) from their qualified retirement accounts. To avoid a hefty penalty of 50% of the amount that should have been withdrawn, your RMD must be...

Monday, October 10, 2022

Whether you’re receiving Medicare benefits now, or will begin soon, it’s important to understand how income-based premiums are calculated for Medicare Parts B and D. Your premium is determined by your modified adjusted...

Monday, October 10, 2022

Are you happy with your current financial professional?Have they met with you to discuss how recent market fluctuations could affect your financial plans? When was the last time the two of you sat down to really discuss...

Sunday, October 9, 2022

Another summer might be in the rearview, but there’s plenty to look forward to for the rest of 2022. Cozy blankets. Candy bars. Pumpkins. Turkeys. And of course—pies! While we can’t help you perfect your pie recipes...

Saturday, October 8, 2022

Turning 65 means you’re now eligible to receive Medicare benefits. But sorting through the Medicare alphabet can be challenging. How do you get started and what do you need to know before you enroll? The first step is to visit...

Saturday, October 8, 2022

Keep Your Estate Plan In OrderIs your estate plan still up to date? There's no time like the present to revisit your latest draft.Even if you're retired and have created a plan for your estate and assets, it’s still a good idea...

Friday, October 7, 2022

Now that you are on your way into retirement and your days of working full time are gone, you may have more time on your hands. To make the most of your time in retirement, we’ve come up with a few ideas to help you get started....

Friday, October 7, 2022

Could your wealth be doing more for you? As an investor with numerous assets, you may be missing out on key strategies and solutions that would benefit your portfolio. I can help you create a customized investment portfolio focused on...

Thursday, October 6, 2022

8 Financial Terms You Need to KnowAs you start out in life, your finances can seem overwhelming. How can you start saving money? Taking out loans? Financing a house? Before you can set attainable goals for yourself, you have to have a...

Thursday, October 6, 2022

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...

Wednesday, October 5, 2022

Quarterly RecapMarket IndicesAt-A-GlanceThe S&P 500 nosedived in September, finishing the third quarter at a new 2022 low, down 24.36% from its January 3, 2022 peak.The Nasdaq Composite lost 10.44% last month, more than erasing a net 7...

Tuesday, October 4, 2022

As a new parent, you have so much to think about in addition to having experiences you haven’t had before. It can be very overwhelming. You may have considered the cost of having a child and the increase in your regular expenses...

Tuesday, October 4, 2022

Make More Residual IncomeAre you looking for more ways to make more money but are already spending 40 hours a week at your regular job? Residual income could be the answer you're looking for! We're going to let you in on four ways you...

Wednesday, September 28, 2022

The hurricane season is descending upon us in dramatic fashion this week.Hurricane Ian is a significant event that will bring massive winds and dangerous storm surges to Florida and the neighboring Gulf states. Whether you’re in...

Saturday, September 24, 2022

You may have heard the expression, “You can talk yourself into just about anything.” If that’s true, corporate America better watch out.As publicly traded companies report quarterly sales and earnings, they often...

Thursday, September 22, 2022

Keep Your Estate Plan In OrderIs your estate plan still up to date? There's no time like the present to revisit your latest draft.Even if you're retired and have created a plan for your estate and assets, it’s still a good idea...

Tuesday, September 20, 2022

Weekly RecapSeptember 12-16, 2022 RecapFourth Weekly Loss in Five WeekEquities Retreat U.S. stocks fell sharply last week, with the S&P 500 posting its worst weekly performance since reaching its 2022 low in June. The S&P 500 is now...

Monday, September 19, 2022

Believe me, everyone on Wall Street wants inflation to go away, or at least shrink back to below 2%, a level we enjoyed not so long ago.But Tuesday's Consumer Price Index report showed it might be some time before we see 2% again....

Thursday, September 15, 2022

From Sept. 15 to Oct. 15 we celebrate National Hispanic Heritage Month. It’s time to honor the culture and contributions of the Hispanic and Latin Americans that make up our great nation.National Hispanic Heritage Month started...

Thursday, September 15, 2022

September 11-17 is National Assisted Living Week® (NALW)!This time provides us a rare chance to recognize the role of assisted living communities in caring for our community's seniors and individuals with disabilities.And if you...

Thursday, September 15, 2022

If you’ve felt like stock prices were a little more volatile in 2022 than in recent years, your “spidey senses” are right on the money.The S&P 500 has posted 81 daily moves of at least 1% through August. Of those...

Monday, September 12, 2022

If you’re like most of us, you’ve probably been thinking about your health quite a bit lately — especially if you’re approaching retirement. Trust me, I understand. Anticipating your future medical costs can...

Friday, September 9, 2022

How long has it been since you’ve reviewed your Medicare policy? With open enrollment fast approaching, there are a few questions you may want to ask yourself before you renew, add, drop, or switch coverage.Have you switched...

Friday, September 9, 2022

Medicare’s annual open enrollment period begins October 15 and ends December 7. During this time, current Medicare beneficiaries have the option to adjust their coverage for the coming year. Any changes to your plan will go into...

Thursday, September 1, 2022

Schools across the nation are getting back to business. For students, it’s a return to education after vacations, summer jobs, and other activities.For parents, grandparents, and guardians, “back to school” often...

Monday, August 29, 2022

I’m hearing a lot of mixed messages these days about the economy. Some headlines say we’re already in a recession; some say one is looming. Others hint that we’ll avoid a recession and have a soft landing. It makes...

Tuesday, August 23, 2022

Have you heard? The Inflation Reduction Act was signed into law on Tuesday, August 16. While the $430 billion package includes many provisions, I thought I’d highlight three key areas where you may benefit the most.Tax credits...

Saturday, August 13, 2022

Is Inflation Shrinking Your Retirement?According to a recent retirement confidence survey, 8 in 10 retirees say they are confident they will have enough money to live comfortably throughout retirement. Among those who are less...

Friday, August 12, 2022

In their latest commentary, the Cetera Investment Management Team discusses how shopping has evolved over time, but retail continues to drive the economy. Take a virtual stroll through the mall to see if consumer spending will heal our...

Tuesday, August 2, 2022

What would you do with a windfall? It’s a question I’ve read or heard a lot lately. Considering the Mega Millions jackpot has now grown to $1.02 billion, it’s safe to say most of us have thought about what it would be...

Saturday, July 23, 2022

Summer travel is picking up this year. If you’re headed to Europe, you may notice that you get more bang for your buck.Why is that?For the first time in almost 20 years, the U.S. dollar and the euro have reached parity. Souvenirs...

Thursday, July 21, 2022

The SECURE Act of 2019 represented the biggest update to retirement law in over a decade. Now, Congress is deliberating on what “SECURE 2.0” legislation might entail.In March, the House passed the Securing a Strong...

Wednesday, July 13, 2022

There are certain financial areas in your 40s that can help set the groundwork for a successful financial future.Your financial tip for today: Cut your debtIf you have credit cards, student loans, or medical bills, create a plan...

Monday, July 11, 2022

With half the year behind us, now is a great time to consider what the remainder of 2022 may hold. However, with inflation and economic uncertainty causing many of us to delay or cancel vacations, large purchases, and more, it can be...

Saturday, July 9, 2022

The Branch Office (Stuart & Karen), will be closed from Thursday July 14th until Monday July 25th for vacation.We will have access to voicemail and email during the period, so if you need out attention during this time leave a message...

Wednesday, July 6, 2022

In case you didn’t know, June is National Internet Safety Month. With nearly 4 billion people on social media worldwide, plus the risks of using online brokerage and bank accounts, the need for digital security has never been...

Monday, July 4, 2022

Take pride in celebrating this great country.

Tuesday, June 28, 2022

Cetera, the financial markets and our office will be closed on Monday July 4th in observation of Independence Day.  We hope our clients, friends and family have a safe and enjoyble holiday weekend.

Tuesday, June 28, 2022

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...

Saturday, June 25, 2022

Do you know the name of the professional handling your investment? When was the last time you got a call or email from them? Has your investment been assigned to someone you’ve never even heard of – a total stranger who...

Saturday, June 25, 2022

On average, women in the U.S. live longer than their male counterparts, making outliving their income in retirement a very real possibility for many.According to a 2019 study from T. Rowe Price measuring gender and retirement:43% of...

Sunday, June 19, 2022

Sunday, June 19, 2022

Sunday, June 19, 2022

No matter how big the feet get or how tall they grow, they’ll always look up to Dad!Wishing you a relaxing day celebrating YOU. Have a wonderful Father’s Day!

Sunday, June 19, 2022

People often view financial guidance as investment guidance. However, there’s a big difference between simply managing your investment portfolio and taking a holistic approach to coordinating your entire financial picture.Only a...

Saturday, June 18, 2022

Saturday, June 18, 2022

How to Help Make Your Savings LastThrough RetirementIf you're living in or heading into retirement and have built up a comfortable nest egg, you're probably no stranger to disciplined budgeting. But budgeting in retirement might be...

Friday, June 17, 2022

As you might have heard, people are talking about a big bump in Social Security benefits next year.The Senior Citizens League says payments could rise by as much as 8.6 percent in 2023, compared to an increase of 5.9 percent in 2022....

Friday, June 17, 2022

In their latest commentary, the Cetera Investment Management Team discusses the Federal Reserve hiking interest rates by 0.75% for the first time since 1994 and they explain the ramifications. The Fed is focused on slowing...

Wednesday, June 15, 2022

Let these questions help you find your next financial advisor.Having conversations about your finances and financial future can be a very personal topic. Find an advisor you can trust, who will provide sound advice and they have the...

Monday, June 13, 2022

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...

Saturday, June 11, 2022

You understand the importance of paying off credit card debt, but you also know you need to save for retirement. While you should focus on both, paying off debt is critical to your financial independence. There are several strategies...

Friday, June 10, 2022

Keep Your Estate Plan In OrderIs your estate plan still up to date? There's no time like the present to revisit your latest draft.Even if you're retired and have created a plan for your estate and assets, it’s still a good idea...

Thursday, June 9, 2022

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...

Thursday, June 9, 2022

To help your ongoing efforts to grow your business, I wanted to share the latest thought leadership from Cetera, Connect, Teach, Grow: The Hidden Business Potential of Financial Education, about a new opportunity that may surprise you...

Thursday, June 9, 2022

Some gloomy headlines are coming out of Wall Street lately. Have you noticed?In recent days, I’ve read things like “Brace yourself for economic hurricanes” and “Wall Street investor survey paints a dire outlook...

Wednesday, June 8, 2022

Have you been let go at work? What happens to the money you have saved in your employee retirement plan?If you have been terminated by your employer, you have 4 choices when it comes to your retirement plan money:Cash it out (and lose...

Tuesday, June 7, 2022

With so many compelling reasons to invest in technology and an ever-expanding landscape of digital tools available—not to mention global circumstances pushing us to adopt them quickly—now is the time to go digital.Change...

Tuesday, June 7, 2022

Pride Month is here! All month long, people across the country are planning parades, events, and other community gatherings to celebrate the LGBTQ+ community.For this entire month, we honor our collective rights to live freely, love...

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Sunday, December 26, 2021

Learning, family, and celebration. Kwanzaa is here and that means it's time to connect with your loved ones and community, and to celebrate your African and African American culture.May all the Kwanzaa blessings be shared around your...

Thursday, December 23, 2021

Tuesday, December 21, 2021

Monday, December 20, 2021

Monday, December 20, 2021

Sunday, December 19, 2021

May you never outgrow the magic of the season.Happy Holidays!

Friday, December 17, 2021

Tuesday, December 14, 2021

Thursday, December 9, 2021

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Wednesday, December 1, 2021

COULD MEDICARE COVER YOUR HEALTHCARE COSTS Medicare is a complicated topic. It can be difficult to understand how it works and what it covers. We'll lay out what Medicare covers and hopefully take the confusion out of Medicare so you...

Tuesday, November 30, 2021

The holiday season is often a quiet, positive time for the financial markets. The phrase “Santa Claus Rally” was coined in the early 1970s to reflect the stock market’s upward bias during the November-January stretch...

Sunday, November 28, 2021

Hanukkah is a season of light. It’s time to gather together with family and friends, and celebrate the many blessings that we’ve had over the past year. During the darkest time of the year, we bring light into our homes as...

Tuesday, November 23, 2021

You see it in prices at the grocery store and the gas station. You feel it in your monthly budget. So why don’t the financial markets seem too concerned about inflation?Remember, financial markets are considered...

Wednesday, November 17, 2021

Our office will be closed on Thursday & Friday November 25th & 26th for the Thanksgiving Holiday. We hope our clients, friends and their families have a safe and enjoyable holiday. We will be checking email and voicemail during the period.

Tuesday, November 16, 2021

At the White House on Monday, President Biden signed a $1T bipartisan infrastructure bill set to enable enhancements for transportation and utilities over the next five years.1For each of those five years, $550 billion will be...

Friday, November 12, 2021

Financial markets can be challenging to understand. But when markets enter a “bad news is good news” cycle, it becomes even more difficult to follow along.At its November meeting, the Fed outlined its plan to taper monthly...

Thursday, November 11, 2021

Thank you to all who dedicated themselves to serve our country. May we always remember and be grateful!

Saturday, November 6, 2021

The leaves are falling, the weather is getting colder, and the sun is setting earlier. Sure enough, Daylight Saving Time is about to end for the year. I just thought I would remind you.DST ends this year at exactly 2:00 am on the...

Thursday, November 4, 2021

While it’s still too early to draw any final conclusions, Congress is getting closer to outlining what tax law changes are under consideration to pay for the proposed $1.75 trillion Build Back Better Plan.1For now, it appears...

Monday, November 1, 2021

ARE YOU LEAVING YOUR LOVED ONESWITH A PLAN? Creating a will may seem like something that isn't needed until you are further into retirement. However, that couldn't be further from the truth. Your spouse and children could face...

Monday, November 1, 2021

AND LEARN HOW THEY CAN IMPACT YOU If you have a retirement account set up and you're making regular contributions, that's great! There may come a time when you need to move these retirement savings from one account to another, and...

Monday, November 1, 2021

CHANGE YOUR BENEFICIARIES Even after your estate planning is complete, it's important to keep your beneficiaries updated and change them as necessary. Updating your beneficiaries listed throughout your estate plan can help ensure no...

Sunday, October 31, 2021

That spooky-yet-sweet time of year is coming – Halloween! Whether the costumes you or your kids wear are homemade or store-bought, whether the pumpkins by your home are hard-carved or plastic, whether you trick-or-treat in the...

Saturday, October 30, 2021

One of the more awkward estate planning topics—but also one of the most important—involves powers of attorney.At some point before our deaths, many of us will become physically and mentally unable to manage our own affairs...

Friday, October 29, 2021

To help raise revenue to pay for President Biden’s Build Back Better Plan, Congress is considering a number of tax law changes, including adjusting estate taxes.One of the proposals would reduce the estate tax exemption to...

Wednesday, October 27, 2021

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...

Tuesday, October 26, 2021

The economic impact of COVID-19 has been felt from coast to coast. And, unfortunately for many pre-retirees, it could potentially impact Social Security benefits as well.A new report indicates that if Congress doesn’t take...

Tuesday, October 26, 2021

While the world has begun to recover from the economic disruption of the COVID-19 pandemic, the delayed reaction has been felt in the supply chain. Industrial shutdowns around the world slowed production to a relative crawl, leaving...

Monday, October 25, 2021

The United States Postal Service has revised their 1-3 day first-class mail delivery window to 1-5 days. Important correspondence such as invoices may arrive later than usual.This change at the USPS will in no way impact the high...

Monday, October 25, 2021

Turning 50 is a milestone for many reasons. You’re likely in your peak earning years and no longer have kids at home. You’re paying down debt, and your wealth is higher than it was a decade earlier.Changing circumstances...

Sunday, October 24, 2021

Are Your Financial Gifts Costing You? Know the financial gift limits to avoid unnecessary taxes. You might have heard about financial gift limitations and wondered if that’s something that applies to the financial gifts you give...

Thursday, October 21, 2021

Most people would argue that your 40s are one of the best times in your life. You’ve hit your stride—from your personal life to your career—and have learned how to juggle boardroom meetings and soccer practice. From...

Thursday, October 21, 2021

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...

Thursday, October 21, 2021

Turning 65 means you’re now eligible to receive Medicare benefits. But sorting through the Medicare alphabet can be challenging. How do you get started and what do you need to know before you enroll? The first step is to visit...

Wednesday, October 20, 2021

On average, women in the U.S. live longer than their male counterparts, making outliving their income in retirement a very real possibility for many.According to a 2019 study from T. Rowe Price measuring gender and retirement:43% of...

Wednesday, October 20, 2021

In today’s low interest rate environment, it rarely pays to keep extra cash on the sidelines, outside of household spending and emergency funds. With interest rates on debt at two to three times higher than the average bank...

Tuesday, October 19, 2021

Plan for tomorrow, today.That seems like sensible advice, doesn't it? Yet a surprising number of people leave no estate plan in place for their survivors. It makes a certain amount of sense. Nobody likes talking about death. But this...

Tuesday, October 19, 2021

There are certain financial areas in your 40s that can help set the groundwork for a successful financial future.Your financial tip for today: Cut your debtIf you have credit cards, student loans, or medical bills, create a plan...

Monday, October 18, 2021

ARE YOU READY TO PAY FOR LONG-TERM CARE? At some point in their lives, most people will need some long-term care whether that's at an assisted living community or at-home medical care. When preparing for this future, it can be hard to...

Sunday, October 17, 2021

Do you know the name of the professional handling your investment? When was the last time you got a call or email from them? Has your investment been assigned to someone you’ve never even heard of – a total stranger who...

Sunday, October 17, 2021

It’s your business. Shouldn’t it be your profit?There’s no doubt you work hard to do right by your clients. But does your payout truly reflect all that you do for them and the work you put into your business?The...

Sunday, October 17, 2021

Retirement strategies are a mystery to many. It’s no surprise that many small-business owners have a difficult time finding a retirement strategy that perfectly fits their needs and doesn’t leave them asking, “Is...

Saturday, October 16, 2021

Are you happy with your current financial professional?Have they met with you to discuss how recent market fluctuations could affect your financial plans? When was the last time the two of you sat down to really discuss...

Saturday, October 16, 2021

Last month, Apple sent out a notice urging some of its users to update their operating systems.* The reason? A vulnerability had been discovered that hackers could use to gain access to users’ computers and other products. If...

Friday, October 15, 2021

Let these questions help you find your next financial advisor. Having conversations about your finances and financial future can be a very personal topic. Find an advisor you can trust, who will provide sound advice and they have the...

Thursday, October 14, 2021

Have you been let go at work? What happens to the money you have saved in your employee retirement plan?If you have been terminated by your employer, you have 4 choices when it comes to your retirement plan money:Cash it out (and lose...

Thursday, October 14, 2021

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...

Tuesday, October 12, 2021

5 WAYS TO DEFEND AGAINST IDENTITY THEFT You've probably heard about identity theft, but you may not know what it is or how to protect against it.First, let's talk about what identity theft is. Identity theft occurs when someone steals...

Monday, October 11, 2021

Healthcare can be one of the priciest yet essential parts of life’s journey. And yet, many struggle to utilize the financial tools that may help. Take Health Saving Accounts (HSAs), for example.In 2019, 55% of those with HSAs...

Sunday, October 10, 2021

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...

Sunday, October 10, 2021

At age 66, you qualify for full Social Security benefits—but not necessarily your maximum benefit. If haven’t already begun receiving Social Security benefits, it’s important to understand why it may be advantageous...

Sunday, October 10, 2021

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...

Saturday, October 9, 2021

Are Streaming Services Keeping You From Retiring? We all love our streaming services. It might have started with just one, but as more are created, and you add shows to your must-see list, you shell out more and more each month to...

Friday, October 8, 2021

How Technology Is Making It Easier and More Cost Effective for Retirees to Age in PlaceAccording to a recent national survey, 90% of adults, age 50 or older, say they want to remain in their current homes as they age. The survey also...

Friday, October 8, 2021

8 Financial Terms You Need to Know As you start out in life, your finances can seem overwhelming. How can you start saving money? Taking out loans? Financing a house? Before you can set attainable goals for yourself, you have to have...

Thursday, October 7, 2021

Required minimum distributions (RMDs) are an important part of retirement. Calculating them across one or multiple retirement accounts can be complicated and, if not done properly, can result in tax penalties.Here’s what you...

Wednesday, October 6, 2021

Having the business you want to work at beats working at wanting the business you have. Why keep feeling like you’ve been pigeonholed into someone else’s solutions?There’s no “one way” to be independent,...

Wednesday, October 6, 2021

For many women like you, being financially secure is an important goal, whether you’re married, single, working, or staying home with children. This financial independence can give you a certain level of empowerment and...

Tuesday, October 5, 2021

Chances are you or someone in your circle has faced a life-changing event as a result of the COVID-19 pandemic. Many are reaching out for financial guidance. Do you have any financial questions or concerns to address at this time? The...

Tuesday, October 5, 2021

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...

Sunday, October 3, 2021

LEARN ABOUT THE DIFFERENCE BETWEEN WILLS AND TRUST You may not know the difference between a will and a trust. As you're estate planning, you should know your options and the proper tools to achieve your asset distribution goals....

Friday, October 1, 2021

5 WAYS TO DEFEND AGAINST IDENTITY THEFT You've probably heard about identity theft, but you may not know what it is or how to protect against it.First, let's talk about what identity theft is. Identity theft occurs when someone steals...

Thursday, September 30, 2021

Now open: our new online home! Exciting news: we have a beautiful new website! We’d love for you to come take a look. We are thrilled to announce the launch of our brand new website. We created our site to improve the level of...

Thursday, May 17, 2018

Are you planning your annual summer getaway to the beach or the mountains? A stay-cation at home, perhaps? Wherever you land, consider using this year’s holiday to try retirement on for size. We’ll admit we discovered the...

Friday, May 11, 2018

Our offices and the markets will be closed on Monday May 28th for Memorial Day. We hope everyone has a safe and happy holiday with their friends and families.

Friday, May 11, 2018

Retire Wise - May 2018

Tuesday, April 17, 2018

Retire Wise - April 2018

Tuesday, March 27, 2018

Our offices and the markets will be closed on Friday March 30th 2018 for Good Friday. We hope you have a great one. We will be checking email and voicemail during that time.

Tuesday, March 27, 2018

We’ll give the Easter Bunny a pass, but it’s generally not a good idea to put all your resources into one place. Or, for that matter, plan your retirement with emphasis on one activity or “bucket list” goal only...

Friday, March 16, 2018

Wharton News- April 2018

Monday, March 12, 2018

Retire Wise - March 2018

Friday, February 9, 2018

Retire Wise - February 2018

Monday, February 5, 2018

Our offices and the markets will be closed on Monday February 19th 2018 in observance of Presidents Day. We hope you have a great one. We will be checking email and voicemail during that time.

Thursday, February 1, 2018

We love sand. Especially on a sunny beach this time of year. Soft, warm and fun to build things with, sand is comforting, fluffy and, the occasional dead jellyfish notwithstanding, lovely to look at. Except when your head is up to its...

Tuesday, January 9, 2018

Our offices and the markets will be closed on Monday January 15th 2018 in observance of Martin Luther King Jr, Day. We will be checking email and voicemail during that time.

Tuesday, January 9, 2018

Retire Wise - January 2018

Thursday, January 4, 2018

There are tons of tips for preparing financially for retirement released in the press this time of year. But, after you’ve crossed all the i’s and t’s, it’s your level of preparednessand enthusiasm in four...

Thursday, December 28, 2017

January 2018 News

Sunday, December 17, 2017

Our office will close on Friday December 22nd at 5 pm and re-open on Tuesday January 2nd at 9 am for the holiday period. We will be checking email and voicemail during the period. We hope our clients and friends have a happy and safe...

Friday, December 15, 2017

Call us greedy, but we’ve never thought Santa’s list should be limited to the kids. After all, children have such short attention spans. They may spend an hour on Christmas morning fawning over new toy cars, dolls and candy...

Tuesday, December 12, 2017

Retire Wise - December 2017

Monday, November 13, 2017

Retire Wise November 2017

Tuesday, October 17, 2017

Wharton News November 2017

Monday, October 9, 2017

Retire Wise October 2017

Sunday, September 24, 2017

Wharton News October 2017

Thursday, September 21, 2017

U.S. News looks at the health benefits of having, and being, grandparents: Link

Monday, September 18, 2017

Entrepreneur lists 10 spare-time small businesses that could bring more money home for millennials Link

Thursday, September 7, 2017

Retire Wise September 2017

Thursday, September 7, 2017

This Forbes article argues that the retirement planning crisis we read so much about may be overblown: https://h.ptsm.us/18GbDw

Thursday, September 7, 2017

An article @ USA TODAY notes 10 good financial life lessons to teach your kids: Link

Thursday, September 7, 2017

An article @ USA TODAY notes 10 good financial life lessons to teach your kids: Link

Thursday, September 7, 2017

A post at Due.com identifies 4 myths that can hinder small business success: Link

Friday, September 1, 2017

Cetera Investment Management has just released a new market commentary titled Economic Impacts of Hurricane Harvey. While our thoughts go out to the victims, family, friends and colleagues in the path of Hurricane Harvey, this...

Thursday, August 31, 2017

As a CPA with a successful practice, you have worked hard to establish yourself as a trusted advisor, particularly in this turbulent financial environment. Because you have built solid, long-standing relationships, clients may feel...

Wednesday, August 30, 2017

Should your kids be teens before they get a smartphone? TODAY spotlights the Wait Until 8th movement Link

Tuesday, August 29, 2017

Includes a broad overview of the week's economic and world updates with direct market insight with a market table, weekly economic calendar, points of view and words of wisdom. Link

Tuesday, August 29, 2017

What are the fastest-growing world travel destinations? CNN takes a look: https://h.ptsm.us/3ym2f9

Monday, August 28, 2017

Are you a business owner or an entrepreneur? Entrepreneur says the difference is all about mindset: https://h.ptsm.us/1cGCR2

Sunday, August 27, 2017

CNN Money looks at why women are taking second jobs more frequently than men: https://h.ptsm.us/3W3pEF

Saturday, August 26, 2017

You might want dorm insurance for the college student in your family. Consumer Reports explains why: https://h.ptsm.us/1QkSK

Friday, August 25, 2017

The most beautiful train trip in the U.S. costs just $97. Travel and Leisure spotlights it @ https://h.ptsm.us/1DbGWa

Tuesday, August 22, 2017

Wharton Investment Consultants are a region of Cetera Advisor Networks LLC, member FINRA/ SIPC, a top independent broker-dealer with one of the strongest net capital positions in the independent broker-dealer industry. Through Cetera...

Tuesday, August 22, 2017

APPS THAT HELP ACHIEVE GOALS The gap between setting goals and achieving them can be difficult to bridge. To enhance the chances of achieving personal goals, reminders and motivation are essential; making a New Year’s resolution...

Tuesday, August 22, 2017

Wharton News September 2017

Wednesday, August 9, 2017

Retire Wise August 2017

Wednesday, July 19, 2017

Wharton News August 2017

Wednesday, July 19, 2017

Retire Wise July 2017

Friday, June 23, 2017

July News

Thursday, June 15, 2017

Retire Wise June 2017

Wednesday, May 17, 2017

Retire Wise

Wednesday, May 17, 2017

June Newsletter

Monday, May 1, 2017

Our office and the markets will be closed on Monday May 29th 2017 in observance of Memorial Day. We hope our clients and friends have a safe and enjoyable holiday weekend and a terrific summer.

Monday, April 17, 2017

Wharton News May 2017

Wednesday, April 12, 2017

Retire Wise- April 2017

Thursday, March 23, 2017

Wharton News April 2017

Thursday, March 16, 2017

Retire Wise - March 2017

Tuesday, February 21, 2017

Wharton News March 2017

Thursday, February 9, 2017

Retire Wise - February 2017

Monday, January 16, 2017

Our offices will be closed on Monday February 20th for Presidents Day. We hope everyone has a safe and happy holiday.

Monday, January 16, 2017

Wharton News February 2017

Tuesday, January 10, 2017

Retire Wise January 2017

Tuesday, December 20, 2016

January News

Tuesday, December 13, 2016

Retire Wise

Sunday, November 27, 2016

December Newsletter

Wednesday, November 9, 2016

Retire Wise November 2016

Wednesday, November 9, 2016

The office will be closed on Thursday 24th and Friday 25th November for Thanksgiving. We will be checking email and voicemail during the period. We hope our friends and clients have a safe and enjoyable holiday period.

Monday, October 17, 2016

November News 2016

Thursday, October 13, 2016

Retire Wise October 2016

Monday, September 26, 2016

October Newsletter

Monday, September 12, 2016

Retire Wise - September 2016

Wednesday, August 31, 2016

Our offices will be closed on Monday September 5th. We hope our clients, friends and their families have a safe and enjoyable holiday weekend.

Wednesday, August 17, 2016

September News

Monday, August 15, 2016

Retire Wise August 2016

Monday, July 25, 2016

Monday, July 18, 2016

Thursday, June 16, 2016

July Newsletter

Wednesday, June 1, 2016

Retire Wise May 2016

Tuesday, May 17, 2016

June News

Thursday, April 21, 2016

New Rules Affect Retirement Savings Advice

Monday, April 18, 2016

May 2016

Wednesday, April 13, 2016

Retire Wise April 2016

Thursday, March 17, 2016

April 2016

Thursday, March 17, 2016

The office will be closed on Friday March 25th in observance of Good Friday. The NYSE is also closed on this day.

Tuesday, March 8, 2016

Retire Wise

Thursday, February 18, 2016

Retire Wise

Thursday, February 18, 2016

March 2016

Monday, February 1, 2016

February 2016

Friday, January 8, 2016

January 2016

Wednesday, January 6, 2016

The office will be closed on Monday January 18th in observance of Martin Luther King day. The NYSE is also closed on this day.

Monday, December 14, 2015

Retirement in Sight

Thursday, November 5, 2015

We are currently expanding and looking for accomplished professionals who are resolved to achieve their vision of success. We are looking for advisors in the Delaware and Maryland, New Jersey and Pennsylvania surrounding areas. We are...

Sunday, September 27, 2015

Have you requested your truly free credit report? You can download or view it at Free Credit Report.Tip: Don't view all three reports at one time, wait a few months hen view the next one, that way you are reviewing your credit report...

Sunday, September 20, 2015

Newsletter

Tuesday, August 18, 2015

Retirement in Sight

Friday, July 17, 2015

Tuesday, June 16, 2015

Retirement in Sight June 2015

Tuesday, June 2, 2015

May Edition

Friday, May 8, 2015

We are currently expanding and looking for accomplished professionals who are resolved to achieve their vision of success.Are you looking for a new career? Are you a successful sales professional who may have been downsized and is...

Thursday, April 23, 2015

Wednesday, April 1, 2015

Retirement newsletter for March 2015.

Friday, January 30, 2015

Planning for a 30 Year Retirement