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Investments

Diversification can be Key in a Rising Interest Rate Environment By Todd A. Moll, CFP®, CFA

Posted November 21, 2023

Following 11 consecutive interest rate hikes, the Federal Reserve Bank held interest rates steady at a range of 5.25 percent to 5.50 percent in September 2023. For some investors, rising interest rates may present market opportunities and a potential increase in income; for others, a watchful eye may be needed. A key investing strategy to consider […]

Financial Advisors May Help Investors Achieve Tax Alpha By Joseph Karl, CFA

Posted October 17, 2023

It’s no secret that taxes can take one of the biggest bites out of your investment returns. Consequently, it’s important to thoroughly analyze the short- and long-term tax implications of your investment decisions with an eye toward achieving tax alpha, or the added value that comes from implementing strategies that effectively reduce tax burdens on […]

What is a Financial Plan? By Lee F. Hediger

Posted September 13, 2023

A financial plan is a written document that lays out your future financial, business and lifestyle goals and maps out comprehensive strategies for achieving them. Contrary to popular belief, financial planning is not just for the wealthy. Rather, it is a critical planning tool that can help all individuals at all income levels make informed […]

Families Without Children Need Estate Planning Too by Brendan T. Hayes

Posted August 30, 2023

The once idealized picture-perfect family of two parents and two-and-a-half children has faded as a growing number of married couples choose to live child-free. According to the U.S. Census Bureau, the number of married couples without children has doubled over the past 45 years and is expected to continue on an upward trend.  Despite the absence […]

Don’t Forget Taxes on Social Security Benefits in Retirement By Lee F. Hediger

Posted August 1, 2023

Too often, individuals planning for their golden years forget to consider the federal taxes they will need to pay on their Social Security benefits. Unfortunately, these oversights can take a considerable bite out of one’s expected income in retirement. Generally, if the income you rely on in retirement comes from sources other than Social Security, […]

Gifts of Education Becoming More Valuable in 2024 By Lee F. Hediger

Posted June 28, 2023

Under the Secure Act 2.0, generous grandparents have even more reasons to establish 529 educational savings plans for their grandchildren in 2024, when new rollover provisions take effect. Contributions to 529 plans grow tax-deferred and can be withdrawn by beneficiaries tax-free when used to pay for qualifying education expenses, including tuition, books, computers, and room […]

Options for 401(k) Plans When You Change Jobs By By Jessica Pendergraft, CFP®*

Posted June 20, 2023

According to the U.S. Bureau of Labor Statistics, the median number of years that wage and salary workers aged 25 and older had been with their current employer in January 2022 was 4.9 years, the same as in 2021 and just 0.01 percent less than in 2018. That translates to approximately nine jobs over 45 […]

Saving for Children’s College and Private School Education with 529 Plans By Brendan T. Hayes

Posted June 7, 2023

College tuition continues to rise, forcing families to plan far in advance for how they will afford the future costs of their children’s higher education. Taking advantage of a 529 saving plan helps families reach these goals while providing significant tax benefits. Contributions you make today to a 529 college-saving plan grow tax-deferred until children […]

Spring Cleaning for Retirement Planning By Olga Ismail

Posted May 10, 2023

As you gather documents to prepare to file your tax returns, it is a good time to review your retirement accounts, simplify them and ensure your investment strategy continues to meet your current and future needs and goals. According to the Bureau of Labor Statistics, the median amount of time that workers have been with […]

4 Savings Strategies for Recent College Grads By Brendan T. Hayes

Posted May 2, 2023

As college graduates embark on their professional careers, they should consider the following savings strategies to help prepare them for a sound financial future. Like most things in life, the earlier you start planning and preparing, the more likely you will achieve your goals. Employer-Sponsored Savings Plans While retirement may seem like a long way […]

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