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Key Questions To Ask An Investment Advisor

The critical question an investor should be asking themselves is if they want a sales representative investing assets that will impact their standard of living during retirement and their financial security late in life?
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Why Use A Fiduciary Advisor?

Making long-term decisions about money can be difficult and even a little scary. Many people turn to an advisor for help with their financial decisions. Many advisors offer good advice but deciding whether they're worth the price can be difficult. Before an investor hires an advisor, they should make sure that the advisor has their best interests in mind. There are many benefits to hiring an advisor as they often have a broader, deeper knowledge of money...
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What's Your Investor Personality?

Investors simply can't have it all (risk free). To get a reward, investors must be willing to accept some risk. That is the fundamental trade-off of investing; risk is involved with almost any investment. Investors must establish their establish their investor personality to structure their investment strategy.
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Net Price Calculators Help Gauge College Affordability

Net Price Calculators Help Gauge College Affordability Fall is the time when many high school seniors narrow their college lists and start applying to colleges. One question that is often front and center on the minds of families is...
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Weekly Market Update: Nov. 8th - 12th

Covering relevant topics for what lies ahead throughout the week of November 8th-12th, while summarizing what happened during last week's earnings frenzy. Rick takes a dive into relevant economic data, including rising inflation, tapering, the Consumer Price Index, and more.
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How To Thrive, Not Just Survive, In The Post Covid World

The fallout from the COVID-19 pandemic creates the need for a new type of financial advisor who can integrate digital marketing tools, use video conferencing to close business, provide virtual client servicing, and more.
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NFTs and Blockchain: What You Should Know About the Digital Collectibles Craze

In March 2021, a digital image by a graphic artist known as Beeple was sold in the form of a nonfungible token, or NFT, for $69.3 million, making him the third-most-valuable living artist. This was the first sa...
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Why Do People Buy Annuities?

Annuities are insurance-based financial vehicles that can provide many benefits sought by retirement-minded investors. There are a number of reasons why people buy annuities. Deferral of taxes is a big benefit, and so is the ability to put large sums of money into an annuity — more than is allowed annually in a 401(k) plan or an IRA — all at once or over a period of time. Annuities offer flexible payout options that can help retirees meet their cash-flow needs.
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What Tax-Advantaged Alternatives Do I Have?

Unfortunately, placing all your savings in taxable instruments like certificates of deposit can create quite an income tax bill. In an effort to help provide stability, some investors inadvertently produce a liability. It’s a bit like turning on all the taps in your house just to make certain the water is still running. Sure, you’ll know that the water is still running, but a lot of it will go down the drain. The solution is simply to turn off some of the taps.
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Don't Let Debt Derail Your Retirement

Don't Let Debt Derail Your Retirement Debt poses a growing threat to the financial security of many Americans - and not just college graduates with exorbitant student loans. Recent studies by the Center for Retirement Research at Boston College (CRR) and the Employee Benefit Research Institute (EBRI) reveal an alarming trend: The percentage of older Americans with debt is at its highest level in almost 30 years, and the amount and types of debt are on the rise. Debt Profile of Older
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Are You On Track To Retire When You'd Hoped

Are you on track to retire when you'd hoped?
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Strategies To Recession-Proof Your Finances

"Financial planning” is an umbrella term that can be applied to various aspects of money management. Many people associate financial planning with retirement. However, effective financial planning can help people confront today’s challenges just as much as it can help them prepare for their golden years.
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Retirement Guarantees In Uncertain Times

When you purchase a fixed-indexed annuity, you have the opportunity to select from indexed strategies that offer you the opportunity to earn interest based, in part, on market performance without the risk of market loss...
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Economic Cycles: The 4 Common Phases

Just as the seasons change throughout the year, the economy and its sectors go through cyclical changes over time.
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Breaking Down The 3 Key Financial Statements

Understanding company fundamentals is a key component when it comes to making smart investment decisions. Learn more about what are widely considered to be "The 3 Key" financial statements, with this easy to understand chart.
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Retirement Plans For Small Businesses

If you are self-employed or own a small business and you haven't established a retirement savings plan, what are you waiting for? A retirement plan can help you and your employees save for the future...
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Coronavirus Concerns? Consider Past Health Crises

During the last week of February 2020, the S&P 500 lost 11.49% — the worst week for stocks since the 2008 financial crisis — only to jump by 4.6% on the first Monday in March...
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COVID-19: New Retirement Plan Relief Provisions

The Coronavirus Aid, Relief, and Economic Security (CARES) Act was signed into law on March 27, 2020. This $2 trillion emergency relief package represents a bipartisan effort to assist both individuals and businesses in the ongoing Coronavirus Pandemic and accompanying economic crisis. The CARES Act provisions for retirement plan relief for individuals under federal tax law are discussed here.
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Paycheck Protection Program (PPP) Loans: What you need to know

A Paycheck Protection Program (PPP) loan is part of the $2 trillion CARES Act. The SBA classifies PPP loans as a 7(a) loan with $349 billion* designated for the program. The loans feature a streamlined application process, less documentation and fewer restrictions. If you’re considering such a loan for your business, it’s important to understand who does and doesn’t qualify, how much you can borrow, how forgiveness works and other key details.
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CARES Act Provides Relief to Individuals and Businesses

On Friday, March 27, 2020, the Coronavirus Aid, Relief, and Economic Security (CARES) Act was signed into law. This $2 trillion emergency relief package is intended to assist individuals and businesses during the ongoing coronavirus pandemic and accompanying economic crisis. Major relief provisions are summarized here. Unemployment provisions The legislation provides for:  An additional $600 weekly benefit to those collecting unemployment benefits, through July 31, 2020An additional 13
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Rolling Over Your Employee Retirement Plan Assets

Rolling over your Employee Retirement Plan Assets can seem like an overwhelming task at times. It's important to understand the basics of these types of plans, as well which type of rollover you will be initiating. In this article find you can find a brief summary of the process you can expect when you begin a rollover.
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What Is An Estate Plan?

For most working Americans, the road to retirement is a long haul focused on efficient money management and prudent investing. We spend decades planning, putting money away, and investing in hopes of building a nest egg that will one day grow large enough for us to one day retire. But what happens after retirement?
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Investment Planning: The Basics

Why do so many people never obtain the financial independence that they desire? Often it's because they just don't take that first step — getting started.
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