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What’s on our mind? You can read about it in our blog. Whether it’s ideas from the financial industry or emerging trends, you can read about it here. And once in a while, we may throw in a movie review or some other surprise. So keep checking in. We’re glad to have you reading along.

 

Thursday, November 14, 2019

There is no shortage of analysis for anyone interested in investing. A search for the term “stock market analysis” turned up 585 million results on Google and well over 55 million Yahoo.¹ The majority of stock market...

 

Saturday, September 21, 2019

FINANCIAL AID FOR STUDENTS 101 Preparing for college while still in high school can be difficult for even the most academically minded student. These days, you need to excel in the classroom, make sure you’re involved in...

 

Wednesday, September 11, 2019

The U.S. personal saving rate stood at 3.7% in January of 2017, a bit lower than its 10-year average of 5.5% and well below the recent five-year high of 11% in December 2012.1 The personal saving rate is the federal government’s...

 

Friday, August 2, 2019

SOCIAL SECURITY: FIVE FACTS YOU NEED TO KNOW Social Security can be complicated and, as a result, many individuals don’t have a full understanding of the choices they may have. Here are five facts about Social Security that are...

 

Thursday, July 25, 2019

Purchasing homeowner’s insurance is not only critical for protecting your home and personal property against any potential liability; if you have a mortgage, your lender will require it. What’s Covered A homeowner’s...

 

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Wednesday, July 10, 2019

UNDERSTANDING LONG-TERM CARE Tip: Won’t Medicare Pay for It? After a three–day hospital stay, Medicare will cover the first 20 days in a skilled nursing care facility completely. For the next 80 days, it will cover all but...

 

Thursday, June 20, 2019

Investing for Value Value investors look for bargains. That is, they attempt to find stocks that are trading below the value of the companies they represent. If they consider a stock to be underpriced, it’s an opportunity to buy;...

 

Wednesday, June 12, 2019

THREE KEY QUESTIONS TO ANSWER BEFORE TAKING SOCIAL SECURITY Social Security is a critical component of the retirement financial strategy for many Americans, so before you begin taking it, you should consider three important questions....

 

Thursday, June 6, 2019

Variable universal life insurance is permanent life insurance—it remains in force for the policyholder's whole life. And, as with universal life insurance, it provides a flexible premium and an adjustable benefit—meaning...

 

Wednesday, May 22, 2019

TRENDS IN CHARITABLE GIVING Tip: Importance of Itemizing. Charitable contributions are deductible only if you itemize deductions on Form 1040, Schedule A. Those who take the standard deduction cannot deduct their contributions....

 

Friday, May 10, 2019

“This generation got no destination to hold... We are volunteers of America”“Volunteers” by Jefferson Airplane¹ Those of a certain age will recall these Jefferson Airplane lyrics as a call to action, though...

 

Wednesday, May 1, 2019

BUILDING YOUR LEGACY Carve your name on hearts, not tombstones. A legacy is etched into the minds of others and the stories they share about you.¹Shannon L. Alder The desire to leave a legacy may be the height of altruism, for it...

 

Thursday, April 25, 2019

Taxes are one of the biggest budget items for most taxpayers, yet many have no idea what they’re getting for their money. In 2017, as in recent years, Americans spent more on taxes than on groceries, clothing, and shelter...

 

Thursday, April 18, 2019

BEST VACATIONS: BY CAR, BY SHIP, BY FOOT, ONCE IN A LIFETIME “Travel is the only thing you buy that makes you richer.”¹ – Unknown If travel for you is less about escaping life and more about living it, then...

 

Wednesday, April 10, 2019

“Audit” is a word that can strike fear into the hearts of taxpayers. However, the chances of an Internal Revenue Service audit aren’t that high. In 2017, the IRS audited 0.5% of all individual tax returns.¹ And...

 

Monday, April 1, 2019

CHOOSING A RETIREMENT PLAN THAT FITS YOUR BUSINESS One survey found that 79% of small business owners expect at least some of their retirement income to come from tax-advantaged retirement savings accounts.¹ If you have yet to...

 

Monday, March 18, 2019

According to the most recent information available, Americans have individual life insurance with a total face value of $12 trillion.1Due to a variety of factors, these individuals may find themselves in circumstances where the...

 

Monday, March 11, 2019

BUDGET CHECK UP: TAX TIME IS THE RIGHT TIME Tip: Be careful with cash. Cash purchases don’t show up on monthly statements, making them more difficult to track. Consider keeping receipts for all cash purchases. Every year, about...

 

Thursday, February 21, 2019

Great insight from our colleagues at IFP. Click the link below for IFP's market outlook for 2019.

 

Monday, February 11, 2019

FOUR REALLY GOOD REASONS TO INVEST Forty-six percent of Americans do not own any stocks or stock-related investments, such as mutual funds, according to a recent Gallup poll.¹ Individuals may cite different reasons for not...

 

Wednesday, January 30, 2019

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Wednesday, January 9, 2019

A TAXING STORY: CAPITAL GAINS AND LOSSES Chris Rock once remarked, “You don’t pay taxes, they take taxes.”¹ That applies not only to income, but also to capital gains. Capital gains result when an individual...

 

Wednesday, January 2, 2019

 

Wednesday, December 26, 2018

CHANGING UNHEALTHY BEHAVIORS Most Americans know the fundamentals of good health: exercise, proper diet, sufficient sleep, regular check-ups, and no smoking or excessive alcohol. Yet, despite this knowledge, changing existing...

 

Wednesday, December 19, 2018

According to a recent report, only 42% of American's have estate planning documents, such as a will or living trust.1 This may not be entirely surprising. No one wants to be reminded of their own mortality or spend too much time...

 

Wednesday, December 12, 2018

ESTATE MANAGEMENT CHECKLIST Tip: One key difference between a will and a living trust is when they take effect. A will takes effect when you die; a living trust takes effect when you execute it and begins to operate when you transfer...

 

Wednesday, December 5, 2018

During your accumulation years, you may have categorized your risk as “conservative,” “moderate,” or “aggressive” and that guided how your portfolio was built. Maybe you concerned yourself with...

 

Wednesday, November 28, 2018

A LIVING TRUST PRIMER A living trust is a popular consideration in many estate strategy conversations, but its appropriateness will depend upon your individual needs and objectives. What is a living trust? A living trust is created...

 

Thursday, November 8, 2018

Have you ever had one of those months? The water heater stops heating, the dishwasher stops washing and your family ends up on a first-name basis with the nurse at urgent care. Then, as you’re driving to work, giving yourself...

 

Sunday, November 4, 2018

BEST PERFORMING ASSET CLASSES Tip: Fund Flows. In January 2017, investors added $10 billion to mutual funds, a significant shift from the $56 billion they had taken out of mutual funds the month before.Source: Investment Company...

 

Wednesday, October 24, 2018

by PETE NUNLEY Everyone likes a way to track their performance. Whether it be through reviews at work, stepping on the scale at the gym, or performance of an investment account, humans like feedback. Feedback acts as a guidepost,...

 

Wednesday, October 17, 2018

A LOOK AT DIVERSIFICATION Tip: Correlation. To adequately diversify, it’s important to select securities that have a low correlation — that is, securities that don’t tend to track each other’s movements up and...

 

Wednesday, October 10, 2018

If you look up “currency” in Merriam-Webster, you will find it defined as “the money that a country uses” and “the quality or state of being used or accepted by many people.” Recent news stories...

 

Wednesday, October 3, 2018

A DECISION NOT MADE IS STILL A DECISION Whether through inertia or trepidation, investors who put off important investment decisions might consider the admonition offered by motivational speaker Brian Tracy, “Almost any decision...

 

Wednesday, September 26, 2018

Tip: Regardless of your net worth, it’s critical to understand your choices when developing an estate strategy. Federal estate taxes have been a source of funding for the federal government almost since the U.S. was founded. In...

 

Wednesday, September 19, 2018

ALTERNATIVE INVESTMENTS - GOING MAINSTREAM Recent years have witnessed the mainstreaming of alternative investments for certain accredited investors. In fact, one study found that alternative investments have grown to make up about...

 

Wednesday, September 12, 2018

Most portfolios are constructed based on an individual's investment objective, risk tolerance, and time horizon. Using these inputs and sophisticated portfolio-optimization calculations, most investors can feel confident that they own...

 

Wednesday, September 5, 2018

TAX RULES WHEN SELLING YOUR HOME How the gains from the sale of a primary residence are taxed has changed in recent years. If you have recently sold your home, or are considering doing so, you may want to be aware of these new rules....

 

Wednesday, August 29, 2018

HOW FINANCIAL ADVISORS ARE COMPENSATED The fees that investors pay to financial advisors for their advice and services come in two basic forms: transaction fees and ongoing fees. While advisors may differ in what fees they charge,...

 

Wednesday, August 22, 2018

ASSESS LIFE INSURANCE NEEDS Tip: Final Cost. Paying for a funeral can be a financial burden on a family. Make sure your estate management will provide your loved ones with sufficient funds to cover this important cost. If your family...

 

Wednesday, August 15, 2018

Long-term care insurance is one of the most complex types of insurance you may consider purchasing. Here’s a list of 10 questions to ask that may help you better understand the costs and benefits. What types of facilities are...

 

Wednesday, August 8, 2018

A BUCKET PLAN TO GO WITH YOUR BUCKET LIST The baby boomers have re-defined everything they’ve touched, from music to marriage to parenting and, more lately, to what “old” means—60 is the new 50! Longer,...

 

Wednesday, August 1, 2018

4 REASONS FOR THE RETURN OF MARKET VOLATILITY Until early 2018, stocks were enjoying their longest period without a five percent pullback in nearly 90 years.1,2 But in early February, that calm came to a sudden and decisive end, as...

 

Tuesday, July 24, 2018

9 FACTS ABOUT RETIREMENT Tip: Nearly 70% of workers expect to work for pay in retirement, but only 26% of retirees actually have done so. Source: 2018 Retirement Confidence Survey, EBRI Retirement can have many meanings. For some, it...

 

Tuesday, December 5, 2017

Tip: How Much? Check your Social Security earnings and see an estimate of your benefits on the Web site, www.ssa.gov. Social Security’s been a fact of retirement life ever since it was established in 1935. We all think we know...