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Should You Pay Your Mortgage Off Early?
Paying off your mortgage early may be an option for some. However, focusing on investing money or paying off other debts first could be more beneficial.
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Creating a Succession Plan for Your Company
Creating a succession plan can help ensure the longevity of your business and can help mitigate the risks and address the pain points associated with organizational change.
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How Much Are You REALLY 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.
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Do You Know the Difference Between Retirement Plans?
These days, there are many retirement account options, leading to confusion and questions. Let’s review some key differences between sponsored retirement accounts and non-sponsored retirement accounts.
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Managing Your Finances in Your 70s and Beyond
The financial situation you were in thirty years ago is far different from the financial situation you’re in now. You likely have different concerns and priorities. Here we have prepared a few considerations for those in or around their 70s
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4 Things to Love About Roth IRAs
Roth IRAs are a highly recommended retirement account for a reason. Originally introduced as the ‘IRA-Plus’, these accounts were designed to empower middle-class Americans to save for retirement.
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Staying Informed About ESPP Tax Rules
Have you worked for a company offering stock at a discount? These can be solid assets to hold in your portfolio, but they’re not without some degree of complexity. We’ll give you the short and simple version here.
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Understanding Types of Retirement Accounts
All employer retirement plans fit into two main categories: qualified retirement plans and non-qualified retirement plans. We plan with your retirement accounts in mind, but also want to ensure clients understand the differences.
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Tips for Setting Long-Term Financial Goals
Setting goals can help you carefully consider what you want your financial future to look like and help you work towards that. Here are a few tips for setting long-term goals.
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Don’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.
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Preserving Your Independence in Retirement
As you near retirement, this could be a convenient time to consider moving into and living in an independent care facility. This housing option, or one like it, could allow you to preserve your independence while providing you resources.
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IRS Form 709: What to Know
As the person who made a financial gift to someone, you – not the recipient – are responsible for filing the correct form with your annual taxes and are also responsible for paying any necessary tax. Here is what you need to know!
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Which Debt Payoff Strategy is Right for You?
To choose the right debt payoff strategy, start with some questions about your budget and preferences. These questions can help you decide which approach might work best for you.
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Get Retirement Ready with a Retirement Checklist
You may have considered all the fun things you will do in retirement – travel, take up a new hobby or spend more time with your family – but well before your official retirement, it’s a good idea to create a pre-retirement checklist
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Help Protect Your Investments
If you have little experience with investing in stocks, bonds, or even real estate, it can be nerve-racking. Here are some common protection strategies to keep in mind.
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Five 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. Here are five tips every parent should know.
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Leave Behind a Lasting Legacy
You’ve worked hard your whole life to create a legacy you are proud of. But your legacy doesn’t have to stop when you pass on.
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Insurance Decisions to Make as You Approach Retirement
As you approach retirement, your financial needs and those who depend on you will likely change. This may require an update of your insurance needs as well.
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Why Is Good Credit Important?
In a world that's moving away from cash and becoming more dependent on credit, you've likely heard financial institutions talk about the importance of credit scores. But what is a credit score? Why is it so important?
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Is A High Deductible Health Plan Right For You?
Who Should Consider A High Deductible Health Plan?
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Understanding And Maximizing Your Social Security Benefits
A simple explanation of how your Social Security benefits are calculated.
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5 Steps to Being Financially Healthier
Being financially healthy looks different for everyone and every life stage. Use these strategies to get started on your way to financial wellness.
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What Type of Investment Account is Right For You?
The options for retirement investment solutions can be overwhelming with many options to choose from. Whether you're looking for low-risk solutions or an investment that can potentially provide a higher yield, options are available.
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Make Your Retirement Savings Last Longer
If you're living in or heading into retirement and have built up a comfortable nest egg, you're probably no stranger to disciplined budgeting. You'll need to budget carefully to account for both needs and wants in retirement.
Read MoreNews Release: Cetera Circle of Excellence
Financial Advisor, Daria Schumacher, awarded at Cetera Circle of Excellence
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Helping You Find Financial Success
Working with a financial professional allows you to design a financial strategy based on your unique needs and aspirations, for today and the future. The benefits of working with a financial professional start with being able to define your
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Keeping Your Retirement Income Safe
You have the life experience to know that you always have to plan for the unexpected. Instead of letting these situations risk derailing your retirement budget, plan for these hurdles so you can be prepared no matter what comes your way in
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Is now the right time for you to refinance your home?
You might have heard some buzz about refinancing your home, but what exactly is refinancing? And, how do you know if refinancing your home is right for you?
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Your Medicare Eligibility
Medicare is a complicated topic. We'll help you understand what Medicare covers and who is eligible for it so you can worry less about your health coverage.
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What You Need to Know as a First-Time Homebuyer
You’ve decided to buy your first home. That’s great! With this decision comes an investment opportunity, more responsibility and a chance to make a home.
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Gain Control and Confidence Around Your Finances
Not having positive money management habits can have a severe impact not just on your current finances but also on your future finances. Creating and sticking to good habits can help you feel more in control!
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When it Comes to Insurance, the Devil is in the Details
Understanding an insurance policy can feel like a big undertaking if you don’t have much experience with them. Save yourself time and frustration and learn how to better understand your future insurance policies.
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Harnessing Your Life Insurance Policy for Long-Term Care
As you and your loved ones get older, it could be time to start considering how you'll pay for long-term care. Paying for long-term insurance is one option, but your life insurance policy could help you pay for needed long-term care.
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Take Control of Your Finances
Feel like your finances have more control over you than you have over them? There are ways to take back control of your spending and regain control of your finances.
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Could You Sustain Through a Financial Emergency?
Having an emergency fund could save the day, but you may be questioning how much to save, when you should save more and how you should spend these funds. You're not alone in asking these questions!
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The Rewards That Come With Charitable Giving
If you want to maximize your tax savings through charitable giving, it's important to know which type of giving may translate into tax savings.
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Save On Taxes With These Simple Year-End Tips
Tax planning is more than completing and filing your state and federal taxes. Year-end tax planning means going over potential tax deductions that you may have missed during the year!
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Changing Your Beneficiaries
Updating your beneficiaries listed throughout your estate plan can help ensure no one loses out on assets due to a small oversight.
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Why You Should Know The IRA 60-Day Rollover Rule
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 there are rules that come with this.
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Is a Will or Trust Right for you?
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.
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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 know where to start.
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Leave Behind a Lasting Legacy
Leave a Lasting LegacyUse Your Life Insurance to Help You’ve worked hard your whole life to create a legacy you are proud of. But your legacy doesn’t have to stop when you pass on. There are ways for your legacy to live on...
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Take Control of Your Finances
Feel like your finances have more control over you than you have over them? Explore these strategies to work towards a more financially stable future.
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Why Is Good Credit Important?
Your next loan could have more favorable terms. In a world that's moving away from cash and becoming more dependent on credit, you've likely heard financial institutions talk about the importance of credit scores. Whether it was in...
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The Roth IRA’s Secret Tax Benefits That Everyone Should Know
The Roth IRA’s Secret Tax Benefits That Everyone Should Know!
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Socially Responsible Investing
What is Socially Responsible Investing? Consider looking into their ethics and what these companies are doing for their community before deciding to invest.
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5 Steps to Being Financially Healthier
Being financially healthy looks different for everyone and every life stage. Use these strategies to get started on your way to financial wellness!
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Get More from Your Retirement Contributions
How Much Are You Contributing to Your Retirement? Max out your contribution limits. Do you know what the contribution limits are for your specific type of retirement account? Knowing these limits will help you make the maximum...
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Do You Have A Succession Plan for Your Business?
Start Creating Your Succession Plan And get your business ready for your retirement. You’ve worked for years building your business, hiring your employees, keeping up relationships with customers and running your company. But...
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Pay Off Student Loans The Smart Way
6 Tips for Paying Off College Debt Get ahead of paying off your student loans. For many, student loans are a necessary debt—a means of paying for college and earning a degree that could potentially put life-changing career...
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Saving for College
Which Education Savings Account is Right for You? Familiarize yourself with the most common education saving plans. When you’re ready to start thinking about saving for your kids’ college funds, it’s time to learn...
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Keeping Your Estate Plan Updated
Keep Your Estate Plan In Order Is 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...
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Strategies to Lessen Your Credit Card Debt
Reduce Your Credit Card Debt Credit card debt doesn't have to keep you from fulfilling your financial goals. Not all debt is bad. Mortgage and auto loans are often necessary, but credit card debt can be sneaky – it usually...
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Save Money in Retirement
Smart Saving Tips During Retirement You’ve likely spent much of your life working and saving to ensure a financially sound future. But even in retirement, you still need to be conscientious of your money and keeping up your good...
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4 Retirement Budgeting Myths Debunked
Don't Fall for These Common Budgeting Myths You’ve almost made it. You’ve worked, planned, invested, and saved for years to get to your retirement. And now that you’re almost there, it can be so tempting to forget...
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Tax Strategies to Help this April
Retirement Tax Strategies that Work for You Taxes are a certainty of life, but that doesn’t mean you can’t find ways to reduce what you owe to the government, especially once you retire. Consider these strategies (both...
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Tax Season is Coming Up
Married? Should You File Jointly or Separately Some big changes come with getting married, and that includes your taxes. For the first time, you have the option to file jointly or separately. How romantic!While the IRS recommends that...
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7 Mistakes Every Retiree Needs to Avoid
7 Retirement Mistakesto Avoid in 2021 Planning ahead and keeping a close eye on your finances are two of the most important ways you can ensure you get to enjoy your retirement and get the most out of your golden years. As we begin...
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Retire Wise | January 2021
It's 2021: Time to Check Your Tax BracketWill your tax bracket change in 2021? Each year the tax rate schedules are adjusted for inflation. That could result in your income being subject to a higher or lower tax rate in the new year....
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