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Avoid-401k-Mistakes

Avoid 401(k) Mistakes

When it comes to managing your 401(k), a small mistake can cause a major loss of capital.  Speak with a financial advisor today and avoid making common mistakes with your 401(k). 
 
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Retirement Planning

Strategic Estate and Business Succession Planning

Sophisticated estate planning and succession planning are key avenues to wealth maximization. The process of transitioning or divesting a business...

Pension

List of Companies With Frozen Pension Plans

Pension freezes are happening across the entire country. 3M happens to be the latest, but we are looking at significant pension changes across the...

Corporate

3M Announces Pension Freeze

We will be having a webinar on healthcare to discuss changes in company healthcare plans. We'll cover changing healthcare programs, rising costs, and...

Boeing

Retire From Boeing With Purpose

There are a combination of factors which may make retiring from Boeing a sound decision. To help you determine if retiring this year is the right...

Corporate

Healthcare Cost Changes On The Horizon

We will be having a webinar on healthcare to discuss changes in company healthcare plans. We'll cover changing healthcare programs, rising costs, and...

Corporate

Layoff Navigation Made Simple

Facing layoffs at your company? Join our webinar to protect your financial future! Learn practical strategies to assess your finances, understand...

Healthcare

Healthcare Cost Changes On The Horizon

We will be having a webinar on healthcare to discuss changes in company healthcare plans. We'll cover changing healthcare programs, rising costs, and...

AT&T

AT&T? Prepare For Healthcare Cost Increases

We will be having a webinar for AT&T employees on healthcare. We'll cover changing healthcare programs, rising costs, and how to utilize your...

ConocoPhillips

Retire From ConocoPhillips With Purpose

There are a combination of factors which may make retiring from ConocoPhillips a sound decision. To help you determine if retiring this year is the...

Corporate

Make Smart Social Security Decisions

We will be having a webinar for employees on Social Security. We'll cover how to reduce the probability of running out of money and how to optimize...

Corporate

Layoff Navigation Made Simple

Facing layoffs at your company? Join our webinar to protect your financial future! Learn practical strategies to assess your finances, understand...

Financial Planning

Smart Holiday Budgeting for Retirees in 2023

As 2023's holiday season approaches, retirees relying on Social Security and other fixed incomes face the challenge of managing their holiday...

Financial Planning

2023 Year-End Charitable Giving

With the holiday season upon us and the end of the year approaching, we pause to give thanks for our blessings and the people in our lives.

Financial Planning

College Cost Data Released for 2023-2024

Every year, the College Board releases new college cost data and trends in its annual report. The figures published are average cost figures based on...

Financial Planning

Most Medicare Costs Are Increasing in 2024

Premiums, deductibles, and coinsurance amounts for Original Medicare generally change every year. Here's a look at some of the costs that will apply...

Financial Planning

Market Month: October 2023

August proved to be a tough month for stocks, with each of the benchmark indexes listed here ending the month notably lower. Investors tried to...

Financial Planning

2023 Year-End Tax Tips

Here are some things to consider as you weigh potential tax moves between now and the end of the year.

Financial Planning

Medicare Open Enrollment Begins October 15

If you are covered by Medicare, it's time to compare your current coverage with other available options. Medicare's Open Enrollment period begins...

Financial Planning

Quarterly Market Review: July-September 2023

The positive momentum of the first two quarters of the year did not carry over to the third quarter. Inflation continued to prove stubborn throughout...

Financial Planning

LSC Communications Pension Termination

In a pivotal move, LSC Communications has made the difficult decision to terminate its pension plan, a decision driven by the plan's significant...

Financial Planning

Claiming the Home Energy Audit Tax Credit

When considering making energy-saving home improvements, it may be helpful to have a home energy audit done. Fortunately, there is a federal income...

Financial Planning

U.S. Economy: Soft Landing or Delayed Recession?

Economists have been predicting a recession for the U.S. economy ever since the Federal Reserve began aggressively raising interest rates in 2022...

Financial Planning

Market Month: August 2023

August proved to be a tough month for stocks, with each of the benchmark indexes listed here ending the month notably lower. Investors tried to...

Financial Planning

Watch Out for Student Loan Repayment Scams

This past June, the Supreme Court struck down President Biden's plan to cancel up to $20,000 in federal student loan debt for qualified borrowers...

Financial Planning

Why Did Retirement Confidence Falter in 2023?

In its annual Retirement Confidence Survey of current workers and retirees, the Employee Benefit Research Institute found that workers' confidence...

Financial Planning

Market Month: July 2023

Stocks closed higher in July, with each of the benchmark indexes listed here posting notable gains. Both the stock market in particular, and the...

Financial Planning

RMD Relief and Guidance for 2023

In early 2022, the IRS issued proposed regulations regarding required minimum distributions (RMDs) to reflect changes made by the Setting Every...

Financial Planning

2024 Key Numbers for Health Savings Accounts

The IRS recently released the 2024 contribution limits for health savings accounts (HSAs), as well as the 2024 minimum deductible and maximum...

Financial Planning

Wills: The Cornerstone of Your Estate Plan

Estate planning is vital to ensure your wishes are carried out. Wills allow you to distribute property, nominate guardians, minimize taxes and more.

Chain

Supply-Chain Chaos: Holiday Edition

Discover the ins and outs of supply chain disruptions in 2021, their impact on holiday shopping, and how businesses adapted. Uncover key strategies...

Financial Planning

Is This Bull Timid or Ready to Charge?

On June 8, 2023, the S&P 500 index closed at 4,293.93, just over 20% higher than its lowest recent closing value of 3,577.03 reached on October 12,...

Financial Planning

Fiscal Responsibility Act of 2023

The Fiscal Responsibility Act of 2023, signed into law on June 3, 2023, suspends the federal debt ceiling until January 2025. The legislation also...

Financial Planning

Retirement Plans for Small Businesses

Discover the top retirement plan options for your business! Learn about 401(k), profit-sharing, defined benefit plans, and more in our comprehensive...

Financial Planning

Social Security Disability Benefits

Understand the importance of Social Security disability benefits as 1 in 4 of today's 20-year-olds may become disabled before full retirement age....

Financial Planning

Market Month: May 2023

The markets in May were marked by ongoing volatility. Inflation, questions over the direction of monetary policy, and slower liquidity growth...

Financial Planning

New Clean Vehicle Tax Credit Guidance Issued

Starting in 2023, a personal or general business tax credit of up to $7,500 is available for the purchase of new clean vehicles meeting certain...

Financial Planning

Best States to Retire in 2023

Regardless of age, profession, or current residence, many people share the ultimate goal of retiring comfortably. It's crucial to understand that...

Financial Planning

Rescuing America's Safety Net

A March 2023 survey found that more than 90% of Americans worry about the Social Security program, and about half of those said they worry a great...

Financial Planning

SECURE 2.0 Adds New Early Withdrawal Exceptions

Learn about the new 72(t) exceptions added to the SECURE 2.0 Act, which can exempt early retirement account withdrawals from the 10% federal income...

Financial Planning

Bank Failures Shine Light on Interest Rate Risks

Financial markets reacted turbulently to the collapse of Silicon Valley Bank (SVB) on March 10, 2023, followed two days later by the failure of...

Financial Planning

U.S. Banking Crisis: Should You Be Worried?

Unable to meet withdrawal requests triggered by depositor panic, Silicon Valley Bank (SVB) was placed into receivership by the Federal Deposit...

Financial Planning

There's Still Time to Fund an IRA for 2022

The tax filing deadline is fast approaching, which means time is running out to fund an IRA for 2022. If you had earned income last year...

Financial Planning

IRS Issues Guidance on State Tax Payments

The IRS has identified 21 states that made special payments to taxpayers in 2022. After a review of those special payments, the IRS has determined...

Tax

Watch Out for These Common Tax Scams

Now that tax season is in full swing, the IRS is reminding taxpayers to use caution and avoid becoming the victim of a fraudulent tax scheme.

Financial Planning

Life Insurance and Terminal Illness

Explore how life insurance can support terminally ill individuals and their families, providing financial protection, income, accelerated death...

Financial Planning

IRS Releases Standard Mileage Rates for 2023

Due to recent increases in the price of fuel, the IRS has increased the optional standard mileage rates for computing the deductible costs of...

Financial Planning

Market Month: February 2023

February saw stocks slide lower after posting solid gains to begin the year. Each of the benchmark indexes listed here retreated from their January...

Financial Planning

The Debt Ceiling and Deficit Spending

On January 19, 2023, the outstanding debt of the U.S. government reached its statutory limit, commonly called the debt ceiling.

Financial Planning

REAL ID Deadline Extended Again

After years of numerous delays, the U.S. Department of Homeland Security has once again extended the REAL ID enforcement deadline from May 3, 2023,...

Financial Planning

Market Month: January 2023

January proved to be a bumpy ride for investors, with stocks ultimately ending higher to begin the new year, despite concerns that the economy may...

Financial Planning

2023 Federal Tax Filing Season Has Started

The IRS announced that the starting date for when it would accept and process 2022 tax-year returns was Monday, January 23, 2023. To speed refunds...

Financial Planning

Is the Yield Curve Signaling a Recession?

Long-term bonds generally provide higher yields than short-term bonds, because investors demand higher returns to compensate for the risk of...

Financial Planning

SIMPLE 401(k) Plan

Explore the benefits of a SIMPLE 401(k) for Fortune 500 employees with a side business. Discover how it helps in saving for retirement and attracting...

Interest rates

September 2022 Interest Rates

Many employees who are waiting to commence their pension lump-sums, are now seeing a significant decrease in their value...

Financial Planning

Market Month: August 2022

Through the first half of August, the stock market continued to ride July's rally. Including the first two weeks of August, stocks had posted four...

Financial Planning

Up-To-Date Market Week

Before reviewing your company 401(k) plan, check out how the market can affect your...

Interest rates

3 Reasons Why Interest Rates Are On The Rise

Interest rates are a key driver of most financial assets. While most often referenced in relation to the bond market, rates are also a key input in...

Stock Market

Don't Panic: A Bull Case for Equities

Both stocks and bonds are off to one of their worst starts to the year in history. The S&P 500 Index declined -12.92% through the end of April 2022,...

Risk

Eggs in One Basket

You’ve likely been seeing headlines about the recent volatility in the market. While historically this is nothing new, it can be difficult to watch...

Interest rates

A Note On Inflation

As the economy continues to recover from the effects of the pandemic over the past year, you may have noticed the term ‘inflation’ coming up in the...

Interest rates

Rising Rates Join Long List of Housing Dilemmas

Homebuyers braving the hot U.S. housing market have run headlong into a striking transition. The average interest rate for a 30-year fixed mortgage...

Inflation

A Note On The Yield Curve

Recently, you may have seen some headlines talking about an inverted yield curve and what it may mean for the economy. An inverted yield curve is...

Emotions

Take Emotion Out of the Market

The stock market isn’t known for its emotional stability. When the markets react emotionally, it’s imperative to think rationally. Although no one...

Market Volatility

A Note Regarding Recent Performance

We know the market has experienced some volatility lately, which may provoke some anxiety when you open your most recent statement. It can be hard to...

Global

High Inflation: How Long Will It Last?

In March 2022, the Consumer Price Index for All Urban Consumers (CPI-U), the most common measure of inflation, rose at an annual rate of 8.5%...

Interest rates

Managing Bond Risks When Interest Rates Rise

After dropping the benchmark federal funds rate to a rock-bottom range of 0%–0.25% early in the pandemic, the Federal Open Market Committee has...

Tax

Federal Tax Filing Season Has Started

The IRS announced that the starting date for when it would accept and process 2021 tax-year returns was Monday, January 24, 2022.

Inflation

The Fed Pivots to Fight Inflation

To understand how inflation might affect the U.S. economy, investors, and consumers, it may be helpful to take a closer look at the FOMC's tools.

Retiring & Worried About a Housing Crash?

Employees nearing their retirement years are concerned about an impending housing crash. Luckily, key housing market data indicates we are not in a...