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Wednesday, August 2, 2023

FOREWORD The US government has been exploring the creation of a Central Bank Digital Currency (henceforth, CBDC), something that other central banks across the globe have also been considering. However, there is no timeline and/or...

Friday, July 7, 2023

Craig is a Certified Financial Planner and brings over 15 years of experience in the finance sector, including a deep understanding of investments, retirement planning, and wealth management strategies. His impressive background also...

Thursday, June 22, 2023

Getting your affairs in order and outlining what you want done with your estate after you’re gone is one of the greatest gifts you can leave your loved ones. However, not preparing for the transfer of your assets can lead to...

Wednesday, June 14, 2023

Senior care costs can be overwhelming, particularly when long-term care is required due to illness or medical conditions. With the number of seniors in the U.S. expected to rise exponentially by 2030, it's crucial to be prepared for...

Thursday, May 25, 2023

Estate management can be a complex and daunting task for many people, but it’s a critical step in helping your assets get managed and distributed according to your wishes.One popular tool that can be used in estate strategies is...

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Thursday, May 11, 2023

Some economic indicators suggest that a recession is possible in 2023, while others give mixed signals.As we have discussed, economic fluctuations are normal, and if we enter a recession, it is not a reason to panic. As detailed below,...

Friday, April 28, 2023

Fun fact: You probably have dozens of credit scores out there, and each one might be a different number.You’re probably familiar with a credit score, why it’s essential, and what it’s used for, but do you know how...

Wednesday, April 26, 2023

SummaryBoth U.S. and international equity markets rallied in the last few days of March to end the month (and the quarter) with positive returns.As long-term interest rates stabilized, U.S. bonds recovered most of February’s...

Monday, April 17, 2023

Discussing personal finances is important for any couple preparing for marriage. However, this topic can be more complicated for those who remarry later in life.If you’re remarrying later in life, one of your goals should be to...

Wednesday, April 12, 2023

As we get older, it’s important that our adult children are prepared to manage any aging-related situations that may arise. This includes everything from having to make medical and financial decisions to determining assisted...

Monday, March 20, 2023

Every parent wants the best for their children and strives to prepare them to lead a happy, healthy, and successful life. But, despite understanding the importance of financial responsibility, only 28 percent of parents speak to their...

Monday, March 13, 2023

It is often said that the Federal Reserve (Fed) tightens until something breaks. In fact, history is peppered with examples of financial accidents caused by past Fed tightening cycles— Orange County’s default (1994), the...

Monday, March 6, 2023

Transitioning from Private Health Insurance Plans to MedicareAs you approach retirement age, you may be anticipating transitioning from your private insurance to Medicare, which is a federal health insurance program that provides...

Wednesday, February 15, 2023

According to the Investment Company Institute, near the end of 2022, there was more than $4.7 trillion in cash sitting in U.S. money market funds.1,2While cash can play a role in a diversified portfolio, historically, cash has not kept...

Wednesday, February 8, 2023

By 2040, the U.S. Census Bureau estimates that 80 million people in the U.S. will be age 65 or older.1 Most of these senior adults will either want to—or need to—"age in place," living in their homes securely, independently...

Monday, January 23, 2023

With the possibility of a recession looming, it's natural for those nearing or in retirement to have concerns over their long-term strategies. After decades of accumulating a portfolio, the last thing retirees want is for a market...

Wednesday, January 4, 2023

In October 2022, the Internal Revenue Service (IRS) announced tax changes for 2023 — changes primarily driven, in part, by the current inflationary environment. For affluent couples or individuals interested in transferring...

Wednesday, December 14, 2022

Annually, 15 million people in the US experience identity theft.As we all know, identity theft is a serious financial issue. Many of the steps you take with identity theft are similar to having your wallet stolen, but generally,...

Thursday, December 8, 2022

There has been considerable concern over what many economists predict is an imminent recession. It may occur as early as Q1 2023 or as late as Q4 2023 and debate continues on whether the stock and bond markets are accurately pricing in...

Tuesday, December 6, 2022

In late October, the IRS announced that it is increasing contribution limits to retirement savings accounts in 2023. The changes, like many you are seeing, are a direct result of months of high inflation and financial uncertainty, some...

Monday, November 28, 2022

The year is almost over, and it has certainly been a bumpy one for the financial markets and our economy. As financial professionals, we work with families to design investment strategies that help them pursue their goals for education...

Tuesday, November 15, 2022

Key points:Over the past five years, affluent Americans increased their donations to charity by 48%.1Understand various strategies to help you maximize the impact of your charitable donations and your income tax savings.To qualify for...

Wednesday, November 9, 2022

Key points:One of the biggest components of the Inflation Reduction Act is the changes to healthcare costs and coverage. The Inflation Reduction Act requires all pharmaceutical companies to rebate Medicare participants for the...

Wednesday, November 9, 2022

What an October for equity returns. It’s a great example of how difficult it is to time the market. With the Fed raising rates likely until early next year, there was little consensus that there would be equity returns like the...

Tuesday, November 8, 2022

Last week I posted an article about how markets are almost completely dependent on the rhetoric coming from the Federal Reserve Bank. Inflation is still arguably high but there are morsels of data showing that the rate hikes are...

Friday, October 7, 2022

Most people are used to having a percentage of their paycheck withheld for Social Security. The withholding rate in 2022 stands at 6.2% for individuals and another 6.2% for their employers, for a total of 12.4% per person.1 But...

Tuesday, October 4, 2022

There are two well-known indexes that track consumer sentiment and confidence. For the most part, these indexes tend to move in tandem even though they may sometimes deviate slightly in the short-term. But as of late, the Conference...

Monday, September 19, 2022

Several factors will affect the cost and availability of life insurance, including age, health, and the type and amount of insurance purchased. Life insurance policies have expenses, including mortality and other charges. If a policy...

Thursday, September 1, 2022

In a volatile market, many investors prefer to hold a little more cash than they otherwise would or make investments a bit slower – spreading out the allocation to minimize any adverse impact from sudden market drops. With cash...