Blog
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Experience AdviceWorks Anytime, Anywhere: Download the App
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....
Read MoreMedicare Open Enrollment Ends December 7
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...
Read MoreOffice Closure - Thanksgiving
Please be advised that our offices will be closed Thursday, November 23rd and Friday, November 24th in observance of Thanksgiving.
Read MoreConsumers Expect Better Days Ahead
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....
Read MoreNew Retirement Contribution Limits for 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...
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Staying Upbeat in a Down Market
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...
Read MoreCheck Your Withholding This Fall
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...
Read MoreSocial Security COLA and Medicare Part B Premiums
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...
Read MoreFed Presidents: Rates Are High Enough
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...
Read MoreConsiderations During Medicare’s Open Enrollment
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...
Read MoreWill Middle East Tensions Push Rates Higher?
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...
Read MoreOffice Closure - Vacation
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...
Read MoreFind the Right Insurance Plan for you
Open enrollment is coming up soon, and it's important to know about all your insurance plan options before deciding which one is right for you. Two options you could have are a Health Savings Account plan (HSA) and a Preferred...
Read MoreWhat Medicare Covers—and What It Doesn’t
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...
Read MoreYou Can Avoid Higher Medicare Premiums
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...
Read MoreBudget Bill Next “Headline Risk” for Stocks
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....
Read MoreWarren Buffett Says, "Don't Watch."
Have you ever heard the expression, "If you love sausages, never watch how they're made?" The same is true of stock prices. Warren Buffett once said, "I would tell [investors], don’t watch the market closely." In recent weeks,...
Read MoreCelebrate National Hispanic Heritage Month
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...
Read MoreYou’re Invited: IN THE ROOM with Dr. Jeremy Siegel
You’re invited to an exclusive conversation with Jeremy Siegel, professor, writer, Senior Economist with Wisdom Tree, and renowned expert on the economy and financial markets. Siegel’s research on the superior value of...
Read MoreEasing Into a Retirement Lifestyle
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...
Read MoreThe 401(k) Millionaires Club
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...
Read MoreOffice Closure - Labor Day Holiday
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.
Read MoreA Pullback for Stock Prices in August
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...
Read MoreAfter Inflation, Eyes Shift to Q3 GDP
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...
Read MoreAugust Is Make a Will Month
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...
Read MoreWhy August Can Be a Volatile Month
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...
Read MoreA.I. Is Everywhere
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...
Read MoreAvoid Common Missteps When Naming Beneficiaries
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...
Read MoreWhat to Consider When Thinking About Downsizing
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...
Read MoreWhy the Drop in Inflation Was Such a Big Deal
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...
Read MoreEveryone Needs an Estate Strategy
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...
Read MoreBudgeting for Surprises: Summer Travel Tips
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,...
Read MoreAre You Taking Advantage of All Your Employers’ Benefits?
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...
Read MoreOffice Closure - Vacation
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.
Read MoreHappy Fourth of July!
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!
Read MoreHappy Independence Day
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...
Read MoreHappy Independence Day
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,...
Read MoreLet’s Partner: Discovering Opportunities for Financial Services Referrals
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...
Read MoreFed Hits Pause Button on Rate Hikes
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...
Read MoreFind New Ways to Build a Lasting Legacy
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....
Read MoreHappy Father's Day!
Hope you feel extra appreciated today! Have a relaxing day.
Read MoreHappy Solstice!
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...
Read MoreOffice Closure - Juneteenth Holiday
Cetera Advisor Networks, THe NYSE and our branch office will be closed on Monday June 19th in observance of the holiday.
Read MoreSupply Chain Issues Appear Resolved. For Now.
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,...
Read MoreUnderstanding Bull and Bear Markets
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...
Read MoreThe Heat is On
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...
Read MoreMarket Timing Is Exhausting
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...
Read MoreEstate Planning: Tough Conversations, Tough Decisions
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...
Read MoreWhat will your retirement look like?
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,...
Read MoreCelebrating mothers everywhere
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...
Read MoreUnderstanding Retirement Account Distribution
Planning your retirement income distribution requires a multi-step strategy and budget for all of your income and spending expectations in retirement. For the most accurate plan that best reflects your financial circumstances, start...
Read MoreTexting/Emails
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...
Read MoreYour Quarterly Medicare Newsletter
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...
Read MoreMarket Assesses First Republic, GDP Report
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...
Read MoreA Smaller Social Security Bump May Be On the Way
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...
Read MoreDoes your family know what to do in case of emergency?
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...
Read MoreHow Much Are You REALLY Worth?
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)...
Read MoreBeing Financially Independent
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...
Read MoreRequired Withdrawals from Your Accounts
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...
Read MoreLet’s Partner: Benefits of a Strategic Partnership
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...
Read MoreThe Importance of Good Credit
Did you know that it wasn’t so long ago that women faced challenges in obtaining credit? In the 1960s and 1970s, legislation provided women with equal access to credit opportunities, paving the way for their independence and...
Read MoreCEOs Talk Inflation
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...
Read MoreHaving Financial Conversations with Adult Children
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...
Read MoreHappy Earth Day
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...
Read MoreSearching for a Goldilocks Moment
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...
Read MoreDoes Your Strategy Meet Your Needs?
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...
Read MoreRe-Evaluating Your Budget
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...
Read MoreHow Much Do You Know About Gifting Stocks?
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...
Read MoreThe Latest Social Security Predictions
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...
Read MoreHas Your Student Filled Out the FAFSA?
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...
Read MoreDo You Know the Difference Between Retirement Plans?
At one time, retirement accounts were straightforward. These days, there are many retirement account options, leading to confusion and questions. Let’s review some key differences between sponsored retirement accounts and...
Read MoreHappy Passover!
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.
Read MoreApril Is Financial Literacy Month
April marks the start of Financial Literacy Month, a nationally recognized movement to promote and support financial understanding in children and teens. For many, it's a fantastic opportunity to teach and connect with their children...
Read MoreOffice Closure - Easter Holiday
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...
Read MoreFed Attempts to Calm Markets
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...
Read MoreHeadlines don't have to cause anxiety
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...
Read MoreThe best laid plans…
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...
Read MoreReasons Not to Write Your Own Will
Ever considered writing your own will? While you can draft a will on your own, there are plenty of reasons why you may not want to go that route. Most people do it to save money, but they may overlook or forget to take care of some...
Read MoreA Handy Estate Planning Checklist
As you travel on the journey of life, you’ll inevitably build up an estate that one day your loved ones will inherit. These details are all handled in your estate plan. An estate plan acts like a roadmap for your heirs by...
Read MoreKeeping Your Estate Plan Updated
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...
Read MoreIs it time for a change?
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...
Read MoreReady to Boost Growth by 20%?*
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...
Read MoreNew Year, New Goals! Ensure Everyone's Goals Are On Track.
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,...
Read MoreDoes Your Strategy Meet Your Needs?
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...
Read MoreWhat Legacy Do You Want to Leave Behind?
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,...
Read MoreFDIC Insurance, SVB & Signature Bank
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:...
Read MoreMake Your Money Count
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...
Read MoreRequired Withdrawals from Your Accounts
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...
Read MoreThe Secret to Maintaining Wealth? Tax Planning
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,...
Read MoreLiving Longer Means More Income Needs
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...
Read MoreBuilding Your Wealth Was Only the First Step
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...
Read More5 Steps to Being Financially Healthier
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...
Read MoreReduce your tax liability today
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...
Read MoreFinancial Changes Caused By Divorce
Divorce could affect more than you expect.No matter how you look at it, divorce is a difficult and turbulent time. Ending a marriage can strain relationships, emotions, friendships and finances. It also involves some tough decisions...
Read MoreThe Cookie Crumbles: Girl Scouts Face Supply Chain Issues
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...
Read MoreFinancial Plans to Preserve Your Wealth and Legacy
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...
Read MoreBeing Financially Independent
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...
Read MoreHow Much is Too Much to Give Away?
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...
Read MoreWhat’s the Use of Wealth if it Doesn’t Provide for You?
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...
Read MoreReduce the Taxes You Pay
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...
Read MoreYour Wealth Should Work for You – Not the Other Way Around
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...
Read MoreStay Ahead of Medicare Choices
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...
Read MoreFed Chair Powell Can't Keep a Secret
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...
Read MoreTime to Spring Forward
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....
Read MoreDon't Watch The Markets Too Closely
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....
Read MoreRecession Fears Fading?
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...
Read MoreSpring into financial transparency
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...
Read MoreEuropean Stocks At All-Time Highs
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...
Read MoreInformation to Help Protect Your Financial Well-being
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...
Read MoreThe Biggest Bowl Game of the Year
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...
Read MoreIs the Bear Market Over?
"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,...
Read MoreIdentity Theft Awareness Week
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...
Read MoreWhat Will Q4 GDP Say About the Economy?
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...
Read MoreInflation Is Trending Lower. Now What?
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...
Read MoreOutlook 2023: What's Next for Interest Rates?
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...
Read MoreThis MLK day, keep the dream alive
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...
Read MoreBranch Office - Holiday Closure
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.
Read MoreBeing Financially Independent
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...
Read MoreDon’t Fall for These 5 Common Money Misconceptions
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...
Read MoreSECURE Act 2.0 Passed in Final Days of 2022
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...
Read MoreDon’t Fall for These 5 Common Money Misconceptions
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...
Read MoreHappy New Year
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...
Read MoreStir-Crazy? 5 Winter Activities that Won’t Break the Bank
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...
Read MoreDiscussing Finances Over the Holidays
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...
Read MoreBranch Office - Holiday Closure
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...
Read MoreOutlook 2023: CEOs Are Cautious
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....
Read MoreIRS Form 709: What to Know
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...
Read MoreHappy Thanksgiving
Have a great Thanksgiving. May your holiday be filled with family, food and fun!
Read MoreHappy Thanksgiving 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...
Read MoreOctober CPI: Game Changer or Head Fake?
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...
Read MoreWill the Midterm Elections Move Markets?
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...
Read MoreKeep More of What You Make
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...
Read MoreAre You Running Your Business on Your Terms?
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,...
Read MoreIntroducing a New Way to Connect: AdviceWorks
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...
Read MoreWarren Buffett on Contrarian Investing
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,...
Read MoreNew Retirement Contribution Limits for 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...
Read MoreHow the Fed Has Navigated World Events
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...
Read MoreReview Your Tax Withholdings
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...
Read MoreHave a Hopeful Halloween
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...
Read MoreStubborn Inflation Tests Fed's Resolve
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)...
Read MoreJOLTS of Optimism for the Markets?
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...
Read MoreDoes Your Strategy Meet Your Needs?
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...
Read MoreTake Steps Now to Head Off RMD Penalties
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...
Read MoreYou Can Avoid Higher Medicare Premiums
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...
Read MoreIs it time for a change?
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...
Read MoreHelp the Ones You Care About Pursue Their Financial Goals!
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...
Read MoreWhat Medicare Covers—and What It Doesn’t
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...
Read MoreKeeping Your Estate Plan Updated
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...
Read MoreYour Wealth Should Work for You – Not the Other Way Around
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...
Read More10 Fun Things to Do in Retirement
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....
Read MoreUnderstand These Essential Financial Terms
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...
Read MoreManaging Finances During a Hardship
Difficult situations—like losing a partner, getting laid off, or having to close a business—are impossible to completely prepare for. Having a sound financial strategy can help you weather the storm and safeguard your...
Read MoreQuarterly Recap | Q3 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...
Read MoreIncrease Your Income Next Year
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...
Read MoreFive Financial Tips for New Parents
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...
Read MorePreparing for Hurricane Ian
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...
Read MoreThe CEO's Unofficial Q2 Buzzword
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...
Read MoreKeeping Your Estate Plan Updated
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...
Read MoreWeekly Recap | September 19, 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...
Read MoreWhat is Happening with CPI and Inflation?
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....
Read MoreCelebrate National Hispanic Heritage Month
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...
Read MoreNational Assisted Living Week
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...
Read More1% Moves in S&P 500
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...
Read MorePro tip: apply for Medicare early.
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...
Read MoreConsiderations During Medicare’s Open Enrollment
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...
Read MoreReady for Medicare Open Enrollment?
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...
Read MoreSchool's Back. Who is Paying for It?
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...
Read MoreRecession or Growth Scare? Your Guide
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...
Read MoreThree Ways the Inflation Act Could Impact You
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...
Read MoreRetire Wise | August 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...
Read MoreRetail Therapy: Will Consumer Spending Heal the Economy?
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...
Read More1.02 Billion Reasons to Be Prepared
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...
Read MoreEuro/Dollar Parity & Summer Travel
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...
Read MoreHow SECURE 2.0 Might Change Retirement
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...
Read MoreMaking a Plan to Reduce Debt
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...
Read More3 Tips for the Second Half of 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...
Read MoreOut of Office Update - Vacation
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...
Read MoreHow to Keep Your Identity Safe
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...
Read MoreHappy Independence Day!
Take pride in celebrating this great country.
Read MoreHoliday Closure
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.
Read MoreTake Control of Your Finances
Feel like your finances have more control over you than you have over them? Or like you're in a financial hole and just keep sinking? There are ways to take back control of your spending and regain control of your finances.Explore...
Read MoreDo You Know Your Investment Professional?
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...
Read MoreLiving Longer Means More Income Needs
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...
Read MoreHappy Father's Day!
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!
Read MoreHow can a financial professional help you?
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...
Read MoreMake Your Retirement Savings Last Longer
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...
Read MoreCare for a COLA with Your Social Security?
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....
Read MoreRisk of Fed Policy Error Increases
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...
Read MoreQuestions to Ask When Choosing an Advisor
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...
Read MoreA Handy Estate Planning Checklist
As you travel on the journey of life, you’ll inevitably build up an estate that one day your loved ones will inherit. These details are all handled in your estate plan. An estate plan acts like a roadmap for your heirs by...
Read MorePay Off Your Credit Cards
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...
Read MoreKeeping Your Estate Plan Updated
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...
Read MoreEstate Planning: Tough Conversations, Tough Decisions
Creating an estate plan is an essential component of your financial life, but one that can lead to uncomfortable conversations. For one, it forces us to discuss that none of us will live forever. And, it may reveal details about your...
Read MoreThe Surprising Growth Potential of Education
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...
Read MoreWhen bears are loud, consider this
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...
Read MoreIRA Rollovers for Terminated Employees
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...
Read MoreHappy Pride Month!
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...
Read MoreHelp Clients Get Unstuck
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...
Read MoreAre You Protecting Your Property Investments at the Minimal Standard
Read More
Wishing you a Joyous Kwanzaa!
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...
Read MoreHappy Holidays!
May you never outgrow the magic of the season.Happy Holidays!
Read MoreWhat Does Medicare Cover?
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...
Read MorePowell News Kicks Off Volatile Season?
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...
Read MoreWishing You A Very Happy Hanukkah
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...
Read MoreIs Inflation Peaking?
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...
Read MoreOffice Closure - Thanksgiving
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.
Read MoreBiden Signs Infrastructure Bill
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...
Read MoreWhen Bad News Is Good News
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...
Read MoreThank You Veterans!
Thank you to all who dedicated themselves to serve our country. May we always remember and be grateful!
Read MoreTime to Fall Back
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...
Read MoreTax Changes: What's In, What's Out?
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...
Read MoreLeave Your Loved Ones With A Plan
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...
Read MoreWhy You Should Know The IRA 60-Day Rollover Rule
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...
Read MoreChanging Your Beneficiaries
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...
Read MoreHappy Halloween!
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...
Read MoreWhat’s a Power of Attorney?
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...
Read MoreEstate Taxes May Be Amended Soon
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...
Read MoreBridging the Earning Gap
Did you know that women reach their peak earnings at age 44—a full 11 years before men?1 There are a variety of reasons for this gap—including trends for specific career fields, the choice to start a family, and...
Read MoreSocial Security Benefits May Be Cut By 2034
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...
Read MoreGridlock in the Supply Chain
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...
Read MoreSlower U.S. mail standards take effect
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...
Read MoreManaging Your Finances in Your 50s
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...
Read MoreHow Much is Too Much to Give Away?
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...
Read MoreManaging Your Finances in Your 40s
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...
Read MoreEstate Planning: Tough Conversations, Tough Decisions
Creating an estate plan is an essential component of your financial life, but one that can lead to uncomfortable conversations. For one, it forces us to discuss that none of us will live forever. And, it may reveal details about your...
Read MoreWhat Medicare Covers—and What It Doesn’t
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...
Read MoreLiving Longer Means More Income Needs
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...
Read MoreKeeping Cash on the Sidelines
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...
Read MoreWhy Estate Planning Is Important Today
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...
Read MoreMaking a Plan to Reduce Debt
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...
Read MoreLong-Term Care
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...
Read MoreDo You Know Your Investment Professional?
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...
Read MoreKeep More of What You Make
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...
Read MoreCustom Retirement Strategies Can Build Income
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...
Read MoreIs it time for a change?
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...
Read MoreProtect Your Data from Security Breaches
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...
Read MoreQuestions to Ask When Choosing an Advisor
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...
Read MoreIRA Rollovers for Terminated Employees
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...
Read MoreFinancial Changes Caused By Divorce
Divorce could affect more than you expect. No matter how you look at it, divorce is a difficult and turbulent time. Ending a marriage can strain relationships, emotions, friendships and finances. It also involves some tough decisions...
Read MoreProtect Yourself From Identity Theft
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...
Read MoreThe Underutilized Benefits of a Health Savings Account
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...
Read MoreConcerned You’ll Outlive Your Money?
Americans are living longer than ever and that, of course, means they need more and more retirement savings. According to the CDC, we’re living to age 78.6 on average.1 That’s a lot of candles on the cake.Using...
Read MoreFull Social Security Benefits at Age 66
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...
Read MoreA Handy Estate Planning Checklist
As you travel on the journey of life, you’ll inevitably build up an estate that one day your loved ones will inherit. These details are all handled in your estate plan. An estate plan acts like a roadmap for your heirs by...
Read MoreAre Your Streaming Services Keeping You from Saving?
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...
Read MoreRetire Wise | September 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...
Read MoreUnderstand These Essential Financial Terms
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...
Read MoreHow to Calculate Your Required Minimum Distribution
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...
Read MoreAre You Running Your Business on Your Terms?
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,...
Read MoreBeing Financially Independent
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...
Read MoreDo you check any of these boxes?
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...
Read MoreEasing into Retirement
There’s good news for the growing number of Americans approaching retirement age who are ready to scale back, but aren’t ready to completely stop working: Work-from-home jobs give you more options than ever before, whether...
Read MoreIs a Will or Trust Right for you?
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....
Read MoreProtect Yourself From Identity Theft
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...
Read MoreNow open: our new online home!
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...
Read MoreUse a vacation to “practice” for retirement
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...
Read MoreOffice Closure - Memorial Weekend
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.
Read MoreOffice Closure - Good Friday
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.
Read MoreDon’t put all your eggs in one basket!
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...
Read MoreOffice Closure
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.
Read MoreGet your head out of the sand before you plan!
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...
Read MoreOffice Closure
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.
Read MoreGet enthusiastic about your 2018 retirement!
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...
Read MoreHolidays - Office Closure
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...
Read MoreGive yourself the gift of a well-planned retirement
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...
Read MoreHealth Benefits of Having, Being Grandparents
U.S. News looks at the health benefits of having, and being, grandparents: Link
Read More10 Spare-Time Small Businesses
Entrepreneur lists 10 spare-time small businesses that could bring more money home for millennials Link
Read MoreRetirement Planning Crisis May Be Overblown
This Forbes article argues that the retirement planning crisis we read so much about may be overblown: https://h.ptsm.us/18GbDw
Read More10 Good Financial Life Lessons to Teach Your Kids
An article @ USA TODAY notes 10 good financial life lessons to teach your kids: Link
Read More10 Good Financial Life Lessons to Teach Your Kids
An article @ USA TODAY notes 10 good financial life lessons to teach your kids: Link
Read More4 Myths That Can Hinder Small Business Success
A post at Due.com identifies 4 myths that can hinder small business success: Link
Read MoreSightline | Economic Impacts of Hurricane Harvey
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...
Read MoreCPA Support Program
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...
Read MoreShould Kids Be Teens Before They Get a Smartphone?
Should your kids be teens before they get a smartphone? TODAY spotlights the Wait Until 8th movement Link
Read MoreWeekly Vantage Point
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
Read MoreFastest-Growing World Travel Destinations
What are the fastest-growing world travel destinations? CNN takes a look: https://h.ptsm.us/3ym2f9
Read MoreAre You a Business Owner or an Entrepreneur?
Are you a business owner or an entrepreneur? Entrepreneur says the difference is all about mindset: https://h.ptsm.us/1cGCR2
Read MoreWhy More Women Are Taking Second Jobs
CNN Money looks at why women are taking second jobs more frequently than men: https://h.ptsm.us/3W3pEF
Read MoreDorm Insurance for Your College Student?
You might want dorm insurance for the college student in your family. Consumer Reports explains why: https://h.ptsm.us/1QkSK
Read MoreMost Beautiful Train Trip in U.S. Costs Just $97
The most beautiful train trip in the U.S. costs just $97. Travel and Leisure spotlights it @ https://h.ptsm.us/1DbGWa
Read MoreApps that help achieve goals
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...
Read MoreOffice Closure - Holiday
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.
Read MoreOffice Closure
Our offices will be closed on Monday February 20th for Presidents Day. We hope everyone has a safe and happy holiday.
Read MoreOffice Closure - Thanksgiving
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.
Read MoreOffice Closure - Labor Day
Our offices will be closed on Monday September 5th. We hope our clients, friends and their families have a safe and enjoyable holiday weekend.
Read MoreOffice Closure
The office will be closed on Friday March 25th in observance of Good Friday. The NYSE is also closed on this day.
Read MoreOffice Closure
The office will be closed on Monday January 18th in observance of Martin Luther King day. The NYSE is also closed on this day.
Read MoreRecruiting - Join Us
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...
Read MoreClient Reminder - Free Credit Report
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...
Read MoreNow Recruiting
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...
Read MorePlanning for a 30 Year Retirement
Planning for a 30 Year Retirement
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