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14 05, 2024

The Road to Retirement: Understanding IRAs, 401(k)s, and Annuities

By |2024-05-14T15:44:53+00:00May 14th, 2024|

Retirement. For many of us, that word conjures visions of golden years, leisurely travels, and finally having the time to pursue our passions.  But it can also lead to anxiety over having enough savings, confusion about how to develop a financial plan, or “paralysis by analysis” — being overwhelmed by so many choices and options and a fear of making the wrong decision that you do nothing at all.  The [...]

4 01, 2024

What You Need to Know About the 2025 Tax Code Sunset

By |2024-01-04T19:06:09+00:00January 4th, 2024|

Tucked into the fine print of the Tax Cuts and Jobs Act (TCJA) of 2017 was a little-noticed detail — many of the individual tax law provisions are set to “sunset” on January 1, 2026, reverting the code to 2017 statutes.  This expiration date applies to key changes that impacted personal income tax rates, standard deductions, exemptions, and more. While some hope that Congress will act to extend the provisions [...]

20 09, 2023

The Art of Asset Allocation: Balancing Risk and Return in Your Portfolio

By |2023-09-20T15:49:46+00:00September 20th, 2023|

In the world of finance, there's a delicate dance that investors must master — the art of smart asset allocation. It involves the careful selection and distribution of various investments within a portfolio to strike the perfect balance between risk and return.  “Asset allocation” simply refers to how you divide your funds among different asset classes, such as stocks, bonds, real estate, commodities, and cash. The goal is to maximize [...]

24 08, 2023

Retirement Planning for Freelancers and Independent Contractors

By |2023-08-24T15:53:37+00:00August 24th, 2023|

In the ever-evolving landscape of the current labor market, solopreneurs, freelancers, and independent contractors are carving out their paths to success.  You enjoy certain freedoms that traditional employees do not. You can be your own boss, set your hours, choose your projects, and take time off whenever possible.  However, life in the gig economy can sometimes come with a hefty price tag. You likely don’t have an employer matching your [...]

23 06, 2023

Why It’s Never Too Late to Start Retirement Planning

By |2023-06-23T15:01:32+00:00June 23rd, 2023|

Retirement planning is a process that involves making financial arrangements now that help ensure you have a comfortable and secure life whenever you're ready (and able) to stop working.  While it may seem cumbersome or unnecessary initially, the benefits of early retirement planning are innumerable. Regardless of your age or current financial situation, it's never too late to start.  Taking action now can significantly improve your financial security and ensure [...]

6 06, 2023

3 Ways to Demystify IRAs for Small Business Owners

By |2023-06-06T16:19:38+00:00June 6th, 2023|

As a small business owner, your success depends on offering a strong value proposition for your customers and employees. Employer-sponsored retirement plans contribute to a positive company culture, which helps you attract and retain top talent. And the numbers back this up — 68% of workers say pension or retirement plans are a critical factor in staying with a job. 87% of Millennials want to learn more about financial planning, [...]

27 04, 2023

Financial Planning Tips for Small Business Owners

By |2023-04-27T18:29:46+00:00April 27th, 2023|

As every entrepreneur knows, building a successful business takes hard work, dedication, and passion. It also takes a healthy infusion of capital, financial smarts, and savvy risk management. Small business owners are especially vulnerable to inflation, market volatility, natural disasters, and other cost-incurring events — but partnering with a skilled and experienced financial advisor can help ensure your success.  Let’s take a deep dive into some crucial insights and advice [...]

30 09, 2022

6 Tips to Help You Prepare for Retirement

By |2022-09-30T15:40:35+00:00September 30th, 2022|

Many people instinctively recoil from retirement planning or just put it off until later, but the sooner you start, the better off you’ll be. Building a solid nest egg is even more crucial in these uncertain times. There’s no guarantee that Social Security will have the necessary resources to provide for the massive wave of Americans about to hit retirement age.  An experienced financial advisor can help you select and [...]

12 07, 2022

How to Approach 401(k) Management for Small & Medium Businesses

By |2022-07-12T15:35:51+00:00July 12th, 2022|

Any size business can offer its employees a 401(k) retirement plan, even a sole proprietorship. However, not all plans are managed well, and no one wants to watch their hard-earned savings disappear. Many small companies have thus far avoided offering retirement plans as they’re typically costly and difficult to administer. But offering a 401(k) has huge advantages for both the owner and the staff, especially if you partner with a [...]