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Browse through my library of posts and articles to gain insights into current financial scenarios that might be affecting you.

Tuesday, September 26, 2023

If you’re like most people, you’ll do just about anything to protect your loved ones. Yet many of us fail to consider or prepare for the inevitable, which can result in heartache, frustration, and unnecessary...

Friday, September 22, 2023

Life doesn’t stand still. Neither do your life insurance needs. If you have a quote or policy and haven’t reviewed it lately, you may be surprised to discover that what worked for you then may not not meet your needs now....

Tuesday, September 19, 2023

Though the summer heat may still be holding on, cooler days will be here before you know it. The autumnal equinox on the 23rd of this month marks when the days will start to become shorter than nights, and the calendar officially...

Tuesday, September 12, 2023

How much are you withholding per paycheck? Is the amount too little? (Or too much?) Find out the answer before the year ends! You may not want to discover next year that your withholding amount for this year was too small. The I.R.S....

Tuesday, September 5, 2023

Most of us take for granted our ability to earn an income and save for retirement. But what if something happens to you and you can no longer work? Not only would your day-to-day expenses start piling up, but your retirement...

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Friday, September 1, 2023

Work can be overwhelming, with the stress of a job overlapping into everyday life. It’s easy to feel pressured into making your job your everything. The good news is, creating a more conducive work-life balance can...

Tuesday, August 22, 2023

The housing market has been a hot topic of conversation ever since the pandemic. The market is up, home equity is up, and interest rates are up. Sometimes people find themselves thinking about moving either to take advantage of the...

Thursday, August 17, 2023

Investing in the stock market can sometimes feel like riding a rollercoaster, full of ups and downs. There’s the thrill and excitement when the market goes up, but also uncertainty and fear when it goes down. It’s...

Friday, August 11, 2023

Schools across the nation are getting back to business. For students, it’s a return to education after vacations, summer jobs, and other activities. For parents, grandparents, and guardians, “back to school” often means...

Monday, August 7, 2023

Because we’re always seeking to keep you informed and aware, we thought you might be interested in the just-published whitepaper from Phil Blancato, Osaic's Chief Marketing Strategist. In case you missed the surprise...

Thursday, August 3, 2023

The end of July and the start of August have been heated for more than one reason with both the financial news and temperatures running hot. In case you missed the headlines while  sneaking in that last minute summer getaway,...

Friday, July 28, 2023

Have you heard our news? ICYMI, we're sharing some exciting news regarding Securities America, the firm we use to support our business operations. Earlier this month, Securities America's parent company (formerly...

Tuesday, July 25, 2023

You know the old adage, "Nothing in life is certain but death and taxes." Add to that a third certainty: college education costs will continue to outpace inflation. Ouch. There are numerous tax-efficient strategies that could help fund...

Thursday, July 20, 2023

With most of the summer behind us, our attention begins to shift to back to school and preparing for the school year. Whether it's college or grade school, here are a few of our favorite money saving tips to help those who have...

Tuesday, July 11, 2023

When I meet with clients to determine the most efficient ways to maximize their money, it’s not unusual for me to come across debt in their portfolio. This always prompts the million dollar question, “Is it better to use my...

Friday, June 30, 2023

As we approach the 4th of July next week, many of us find ourselves with either a little more free time than usual, or we're planning what to do with the time off. If you need some suggestions on how to spend your free...

Tuesday, June 27, 2023

Independence Day means fun, food, friends, and fireworks. Unfortunately, for our pets, Independence Day can be downright terrifying – even dangerous! July 5th is the busiest day of the year for animal shelters, which fill up with...

Friday, June 23, 2023

Women who share money management duties with their partner tend to take on a lion’s share of the responsibility for the household finances. Yet only 18% of women feel very confident in their ability to fully retire with...

Tuesday, June 20, 2023

For my Florida people, we all know that Hurricane Season and the summer storm patterns are in full swing. But for my clients who live outside of the "Sunshine" State, it's important to take a few moments to compare...

Friday, June 16, 2023

Something exciting is coming next week, and we wanted to give you a heads up before the big reveal next Wednesday! As a financial professional associated with Securities America, and it has been my mission to create an environment...

Friday, June 2, 2023

Planning ahead for an anticipated milestone moment is one of the simple joys in life. Some of the more common events people plan for and anticipate are a new baby, new marriage, or buying a new home to name a few. But even though you...

Friday, May 26, 2023

Life happens fast and your finances can take a backseat if you’re not careful. Is it time to consider talking with a financial professional? Over the next few posts, I want to look at the 4 most common milestone moments that can...

Tuesday, May 16, 2023

As the June 1st debt celling deadline quickly approaches, many of us are left wondering and waiting on the outcome of these negotiations. As a Certified Financial Planner, I am keeping a close eye on the latest developments and...

Friday, May 5, 2023

Few investors should have been surprised when the Federal Reserve raised interest rates after its May meeting this past week. What should have surprised investors was the reaction by the financial markets. Throughout April...

Tuesday, April 25, 2023

Divorce is always difficult, and it's a difficult topic to discuss. The challenges associated with ending a marriage are many, ranging from the legal to the practical to the emotional. However, as with any complex situation,...

Tuesday, April 18, 2023

We strive to keep you regularly updated with important market changes and economic news. With all of the headlines swirling around these days, it's a helpful practice to look back at the past few months to get a barometer on what...

Friday, April 14, 2023

With each season of life, new milestones will impact your budget. However, when you enter your 30s and 40s, these milestones have a much heftier price tag. The sheer costs can be intimidating, whether it's a wedding, a new home, or...

Tuesday, April 11, 2023

With the surge of online services and the increase in smartphone and tablet usage, password security is critical. The use of passwords remains the primary authentication protocol for online accounts, so keeping passwords secure is...

Tuesday, April 4, 2023

Once you complete this year’s taxes, you may wonder what to do with that pile of records, 1099s, receipts, and bank statements. The IRS recommends holding on to any documents related to the income you’re reporting or any...

Friday, March 31, 2023

Would you like to help make a difference? Hopefully, your answer to that question is YES! Our offices are trying to do just that, but we need your help. In an effort to give back and help those in the community that need a little extra...

Tuesday, March 28, 2023

One of the ways we like to equip and empower our clients is through financial education. As one of 4 core principles that supports the foundation of Blade Financial, our commitment to helping you stay informed continues to be a guiding...

Friday, March 24, 2023

Fewer things are more reliable than Tax Day, even if the deadline has shifted around a bit in recent years. This year, it’s April 18th for most taxpayers, and recent legislation changes include substantial increases to...

Friday, March 17, 2023

With recent headlines about two failed U.S. banks and their ripple effect throughout the banking sector, we want to summarize the latest information on this evolving event. We assure you we are monitoring...

Tuesday, March 14, 2023

Despite progress toward financial planning and saving, women often face challenges regarding their financial security. Women need to recognize these barriers to...

Friday, March 10, 2023

With fraud and scams getting more and more sophisticated, it can seem overwhelming to know where to start and how to protect yourself and your data. And, for many of us, Social Security plays an important part in our...

Friday, March 3, 2023

While you’re busy preparing for the warm summer months, why not clean your finances this spring as well? Spring is the perfect time to prepare your finances for the upcoming year! Here are some of the common areas we suggest you...

Tuesday, February 28, 2023

One of the key buzz words you tend to hear often now is "holistic." It's become a popular term not only because of its relevance but is especially true when thinking about your finances. For example, you want to make sure that...

Friday, February 24, 2023

Retirement is an exciting time! It’s the end of one adventure and the start of the next. Let’s make it the trip of a lifetime, and make sure you have enough income to do the things you want to do! The old rule of thumb to...

Friday, February 17, 2023

Boxer Mike Tyson famously quipped that “everyone has a plan until they get punched in the mouth.” Like a boxing match, sometimes life tries to throw some haymakers. The best financial plan isn’t optimized to the cent...

Tuesday, February 7, 2023

What workers anticipate in terms of retirement income sources may differ considerably from what retirees actually experience.  For many people, retirement income may come from a variety of sources. But, taking some time to craft a...

Friday, February 3, 2023

There’s always a lot of noise around the stock market. It’s not always clear if it means anything for your retirement. Often, we trade growth for stability when we choose to retire. That way, we filter out some of the noise...

Friday, January 20, 2023

January is well underway, and as we recover from the busyness of the holidays, we can sometimes find ourselves looking for that "what's next" in life. If you can relate, then look not further! Mark your calendars and save a time for...

Friday, January 13, 2023

Google is one of the world’s greatest innovations. Did you ever think you’d have all the world’s knowledge compiled and instantly searchable just a click away? It’s remarkable. But as anyone who has searched...

Friday, January 6, 2023

The new year is an opportunity for new beginnings – including setting new goals! Whether big or small, setting resolutions can help create a path to greater happiness and freedom. Here’s the thing – setting and...

Wednesday, December 14, 2022

The holidays are a time of year when we’re inspired to perfect every home-cooked meal to try and capture the magic of the season. But trying out a new recipe mid-holiday could be a recipe for disaster especially if it’s a...

Friday, December 9, 2022

At some point in life, you’ll be in the market to buy something that costs big bucks. No matter the purchase, sometimes the decision can be hard to make. Here are three things you should ask yourself before you spend your...

Friday, December 2, 2022

Making charitable contributions is a great way to help people in need while maximizing tax benefits, creating a win-win. Donations to qualified 501(c)(3) organizations can shrink taxable income, saving hard-earned cash. Is...

Tuesday, November 22, 2022

As we near the end of November, and the year as a whole, it's always a good time to focus and look at a few areas that may have popped up on your radar. Our Your Money Matters newsletter this month features the 3 groups most stock...

Friday, November 18, 2022

It’s always fun to hear our clients’ plans for vacations or trips to see family. During these conversations, we’ve noticed many consider bringing their pets along on the journey. With the cost of travel (both by car and by plane) reaching..

Tuesday, November 15, 2022

During times of rising interest rates, crashing cryptocurrencies, high inflation, and bear market growliness, a fully diversified portfolio can help lessen the impact of volatile conditions. A diversified portfolio weaves together a...

Tuesday, November 8, 2022

Charitable giving is an American tradition: Americans typically give well over $400 billion annually to non-profits. Even in difficult economic times, #giving tends to grow more each year. People who give find they themselves benefit...

Friday, November 4, 2022

The time is here again! Twice a year, we adjust our clocks and disrupt sleeping patterns, work schedules, and the balance of our day. Even though it’s only an hour, adjusting the clocks for Daylight Savings Time each year is...

Tuesday, November 1, 2022

With the Florida gas sales tax holiday expiring, it's a great time to focus on what's driving prices once again. The energy topic has been central to many conversations during the ongoing market volatility this year, and for a good...

Friday, October 28, 2022

Inherited retirement accounts offer great financial opportunities to beneficiaries, but can be stressful due to the complicated risks associated with certain options. Knowing the basic differences of each option is just the tip of the...

Tuesday, October 25, 2022

Who doesn't like more financial wiggle room? This past week, the Internal Revenue Service (IRS) announced new contribution limits for 2022. Let's take a look at the details to see what did and didn't change...

Friday, October 21, 2022

October brings to mind the beauty of the leaves changing colors and a time to enjoy the colder weather. But October also holds another meaning for millions of people: it’s Breast Cancer Awareness Month. Based on the numbers,...

Tuesday, October 18, 2022

The convenience of the internet makes it possible for many of us to work from home, to shop, attend a religious service and stay connected with family and friends. In fact, many of us meet virtually via Zoom and not in-person! But,...

Friday, October 14, 2022

When you list the people who will benefit from your lifetime of hard work (your beneficiaries), is that group of names the same this year as last? Life can change in the blink of an eye, and it’s important that you have a record...

Friday, October 7, 2022

Medicare’s annual open enrollment period begins October 15 and ends December 7. During this time, current Medicare beneficiaries have the option to adjust their coverage for the coming year. Any changes to your plan will go into...

Tuesday, October 4, 2022

October is here, and that means the fall season is officially underway! Along with cooler temperatures and the promise of a sugar buzz at the end of the month, October also ushers in Cyber Security Awareness Month, Financial Planning...

Friday, September 30, 2022

The internet makes it possible for many of us to work from home, shop, attend religious service and stay connected with family and friends. In the aftermath of Hurricane Ian, we all appreciate how important staying connected is and the...

Tuesday, September 27, 2022

If you’re wondering if estate planning is right for you, it’s important to know it’s NOT just for the wealthy. Even people with modest assets need a written plan. And Estate planning ensures that your...

Friday, September 23, 2022

If you’re like most investors, market volatility can really set you on edge. Especially if you’re concerned about how a deflated market might impact the income you’ll need during retirement. The idea of having a...

Tuesday, September 20, 2022

Most of us take for granted our ability to earn an income and save for retirement. What if something happens to you and you can no longer work? Not only would your day-to-day expenses start piling up, but your retirement contributions...

Friday, September 16, 2022

The dream of a secure retirement, college funding, or a vacation home may be the financial “prize” you’re keeping your eyes on. But it’s hard for investors, even seasoned ones, to stay focused in the face of...

Tuesday, September 13, 2022

Who needs life insurance? If your job offers group life coverage, should you take it? Do you need more than that? Should it be temporary (term) or permanent? And for how much coverage? How do you know? Access my free tools calculator...

Friday, September 9, 2022

Can you remember a time when not knowing something negatively affected you? I think we all can since at some point in life, it's happened to all of us. As a Certified Financial Planner, it's been my goal and mission to...

Tuesday, September 6, 2022

As the year continues to push forward and the only certainty seems to be uncertainty, and many of us experience periodic fatigue from negative headlines and the unpredictable future. Staying disciplined when weary is difficult but...

Friday, September 2, 2022

It’s time for your life insurance checkup!September is National Life Insurance Awareness Month, so it’s a great time to review your coverage.1If you don’t have any life insurance, you’re not alone. Life...

Friday, August 26, 2022

Don't you wish you knew what going to happen in the future? It would certainly make life easier and planning ahead seem like a breeze. But none of us have the ability to know exactly what's going to happen in the future. We simply have to..

Tuesday, August 23, 2022

As you probably heard on the news, President Biden signed the Inflation Reduction Act of 2022 on August 16. Among other things, the legislation includes various initiatives such as locking in the American Rescue Plan health coverage...

Friday, August 19, 2022

While most people would agree that “leaving the world a better place than we found it” is a worthy goal, many find that it’s not the easiest task to accomplish. Aside from adhering to the “reduce, reuse,...

Friday, August 12, 2022

There’s so much going on in the world right now, and a lot of it is less-than-happy news. Understandably, most of us have nagging worries about what’s going on in the financial markets, and what sort of impact market...

Tuesday, August 9, 2022

Investing involves risk, and as a Certified Financial Planner, discussing and understanding your risk tolerance is an essential part of the process. In the world of finance, risk can take many forms. So, it is vital to understand the...

Friday, August 5, 2022

It’s natural to think “defense” during a bearish market season. But why not mix in some “offense” with your defense? Here are three moves we can discuss together that may be helpful during the current...

Tuesday, August 2, 2022

As summer comes to an end and the excitement of a new school year begins, most parents dread the price tag associated with back-to-school shopping. And we don’t blame them! The amount of necessary supplies has climbed to new...

Friday, July 29, 2022

Stocks attract most of the financial media’s attention while bonds rarely warrant a mention. Why is that? In part, it’s because bonds can be really boring. So, while that’s bad for the media, it’s great for...

Tuesday, July 26, 2022

Despite progress toward financial planning and saving, women often face challenges regarding their financial security. These challenges can include more time away from the workforce (often caring for children or for parents), the...

Tuesday, July 19, 2022

There’s no better time to escape from your day-to-day than the summer months! It’s time to get out of the normal mode of life get to your preferred vacation spot. While you’re planning a trip or a staycation, keep the...

Tuesday, July 12, 2022

Good days and bad days are a fact of life in the market. Sometimes it’s up and we celebrate. But when it dips, we worry…and if it tanks, forget it. The first instinct for most of us is PANIC, and we wonder if we should just...

Friday, July 8, 2022

When I meet with clients to determine the most efficient ways to maximize retirement savings, it’s not unusual for me to come across debt in their portfolio. This always prompts the million dollar question, “Is it better to...

Tuesday, June 28, 2022

As you work toward your retirement goals, one of the most important decisions you’ll make is determining at what point you should start taking Social Security. Why? Because the age you begin taking benefits can significantly...

Friday, June 24, 2022

We know the market has experienced volatility lately, which for most normal people, provokes some anxiety when you open your most recent statement. It can be hard to stomach seeing some red in your account! But don’t be alarmed...

Tuesday, June 21, 2022

Each year there are billions of dollars in federal financial aid available from the U.S. Department of Education in the form of grants, loans and work-study funds. Current or prospective college students who may be eligible for aid and...

Friday, June 17, 2022

When market volatility is headline news and account values start to fall, it’s easy to understand why investors get jittery. Even with a boatload of historical data to support us, in times of stress we all struggle to overcome...

Tuesday, June 14, 2022

“You need a budget!” It’s often one of the first pieces of financial advice many of us hear. Budgeting isn’t a one-size-fits-all exercise, though. It’s about finding the system that works for you....

Friday, June 10, 2022

Budgeting is one of those activities that can pay dividends – literally! However, building and sticking to a budget can be daunting, particularly as you try to align categories with your real-life spending. Is Chipotle a want or...

Tuesday, June 7, 2022

One essential key to your overall well-being encompasses looking at your whole life picture and not just one aspect. Did you know that hobbies can help you live a longer and more fulfilled life? Many scientific studies have found that...

Tuesday, May 31, 2022

It’s hard to believe we’re nearly half-way through 2022! As kids & grandkids finish the school year, it’s surprising how the days seem to get busier in addition to getting longer. June officially starts the summer season, and it's a great..

Friday, May 27, 2022

Lately, the "Great Resignation" has led many Americans to leave their #jobs for other #opportunities while others have chosen a different path... early retirement. We can all understand looking for a more suitable place of work, but some...

Tuesday, May 24, 2022

For many of us, Social Security plays an important part in our financial plans for retirement or later stage of life. Even if you’re years away from applying for benefits, there are good reasons to set up your online Social...

Friday, May 20, 2022

It’s hard to ignore current news about persistent market volatility, and we’re guessing this has resulted in some anxiety about what (if anything) you should be doing. Please be assured that we are actively monitoring the...

Tuesday, May 10, 2022

Remember when a college education was reasonably priced? In the past 20 years, the cost of college tuition for public universities has risen 165%. College students and their families have been taking on more and more debt, and they...

Friday, May 6, 2022

Wouldn’t it be nice if the #stockmarket didn’t have such violent swings in either direction? Especially the dramatic downward plunges - we’d ALL like to avoid those! But the reality is, the markets include a certain amount of...

Tuesday, May 3, 2022

Spring has sprung and it’s hard to believe summer is fast approaching! With beach weather ahead, hopefully you'll find yourself with a little extra time to catch up on some reading including this quick overview with highlights...

Friday, April 29, 2022

If you have a balance on a credit card or an adjustable rate mortgage, you're probably noticing some #changes in your payments. Higher interest rates are starting to ripple through the personal finance landscape, and it doesn’t...

Tuesday, April 26, 2022

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 just one indicator of the economy’s possible direction. so...

Friday, April 22, 2022

With tax season in the rear view mirror for most of us, we usually vow to keep better records for the coming year. But, there are a few important documents that are imperative to know where they are at all times and ensure they are...

Tuesday, April 19, 2022

In my experience, people seem to have a bit of confusion about life and disability insurance. Many think they don’t need it, that it’s too expensive, or they don’t understand how it works and so they don’t...

Friday, April 15, 2022

In case you find yourself with a little extra time this Holiday weekend, why not spend a few minutes reading up on a few interesting articles you may have not had the time to catch otherwise? April's Money Matters newsletter...

Friday, April 8, 2022

Once you complete this year’s taxes, you may wonder what to do with that pile of records, 1099s, receipts, and bank statements. The IRS recommends holding on to any documents related to the income you’re reporting or any...

Tuesday, April 5, 2022

If you are anticipating an annual #bonus this year or a tax #refund, it’s wise to come up with a thoughtful plan for the extra cash before it comes so you can get the most benefit from it. If you need more time to consider your...

Friday, April 1, 2022

Quiz Time! What do The Dukes of Hazzard, M*A*S*H, and The Love Boat all have in common? They were top-rated television programs in 1982 and, in case you forgot, that was the last time inflation was hovering in the 7% range.  If...

Tuesday, March 29, 2022

When you change jobs, it’s critical to remember to create a plan for past employee sponsored #retirement accounts. While you have the choice to simply leave it, you also have the option to consolidate past plans which brings all...

Friday, March 25, 2022

Tackling clutter can be a daunting job, whether it's your desk, paperwork or your garage. Sometimes the biggest challenge is just getting motivated to start the process! When we have things organized we feel a sense of control, and it...

Tuesday, March 22, 2022

When you have a major life event such as getting married, having a child, or buying a home, your financial situation and priorities may change. As your life #changes, your financial decisions must stay in line with your goals, values,...

Friday, March 18, 2022

As we wake up to check the news every day, we especially focus on the terrible news about Russia and the ongoing military invasion of neighboring Ukraine. While none of us knows for sure how things will play out, investors are...

Tuesday, March 15, 2022

Maintaining good records is important to help meet your tax and legal obligations. With the tax deadline looming in the near future, you probably have already gathered all of your important paperwork to be ready to....

Friday, March 11, 2022

How are you holding up? If you’re like many of us, you’re probably feeling some level of #anxiety regarding the headlines we face every day. And that’s okay. We’re living in a time when feeling helpless is...

Tuesday, March 8, 2022

The past few years have seen countless people working from home and continuing to have remote working options available to them. Many have been wondering whether they should consider claiming the home office deduction on #taxes this...

Friday, March 4, 2022

March is here already and I'm looking forward to the longer days and warmer temps of spring. As the excitement of college basketball playoffs goes into full swing this month, March also marks the 27th year of commemorating...

Tuesday, March 1, 2022

By April 19, 2019, 137 million taxpayers had dutifully filed their federal income tax returns. And they all made decisions about deductions and credits – whether or not they realized it. When you take the time to learn...

Friday, February 25, 2022

Even if you’ve been investing for years, the language of investing can sometimes feel confusing. Getting a better grip on #investing terminology (which is often a complex combination of legalese, colloquialisms and slang) can...

Tuesday, February 22, 2022

Ever heard of the phrase ‘search cost?’  It’s an economic term that refers to the effort, time and money someone spends looking for something they want. The hours you devoted to researching your next car or...

Friday, February 18, 2022

Fewer things are more reliable than tax day, even if the deadline has shifted around a bit in recent years. This year, it’s April 18th for most taxpayers, and recent legislation changes include substantial increases to standard...

Friday, February 11, 2022

Tax preparation may be the only time of year many households gather all their financial information in one place. That makes it a perfect time to take a critical look at how much money is coming in and where it’s all going...

Tuesday, February 8, 2022

With Valentine’s Day approaching, many folks are considering how they’ll spend the evening with their special someone. Let us help take some of the pressure off with a few budget friendly suggestions! So, if you’re...

Friday, February 4, 2022

It’s February, and Valentine’s Day makes this month a favorite for the romantics among us! But, February also begins the runway leading up to tax season. You should have received your W2 from your employer by January 31st....

Friday, January 28, 2022

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 stomach seeing some red in your account! But don’t be alarmed – changes...

Tuesday, January 25, 2022

Will your retirement dreams match your reality? Was your retirement what you expected, or was it something else? That's perhaps the most critical question to ask people who are currently retired.  For more than 30 years...

Friday, January 21, 2022

Friday, January 14, 2022

Preparing for retirement just got a little more financial wiggle room. In case you missed it with all of the other headlines, the Internal Revenue Service (IRS) announced back in November the new contribution limits for 2022. The...

Tuesday, January 11, 2022

As you know, in the financial industry we take privacy and identity verification very seriously, in an effort to best protect clients and their assets. In recent years, we’ve begun adding what’s called a “trusted...

Friday, January 7, 2022

The New Year means taking a new look at our finances. The most important thing to make sure you feel like you have the cashflow you need to do the things you want to do. So, let’s set some goals this year to build on last...

Monday, January 3, 2022

Tuesday, December 28, 2021

If you're like me, you've probably stopped and asked yourself, "Where has 2021 gone"? As we reach the end of this monumental and unique year, it's always a good practice to take some time to reflect on what has happened over the last...

Tuesday, December 21, 2021

Wouldn’t it be nice if the stock market didn’t have such violent swings in either direction? Especially the dramatic downward plunges - we’d ALL like to avoid those! But the reality is, the markets include a certain...

Friday, December 17, 2021

Tuesday, December 14, 2021

It’s so important to stay vigilant about securing your financial and personal information. We rely on the internet which makes it possible to virtually work from home, shop, attend religious services and stay connected...

Friday, December 10, 2021

We are cruising full speed into the holidays! And during this festive time many people try to give back, pay it forward or simply extend good cheer. If this rings true for you this year, we thought we’d share some good deeds and...

Friday, December 3, 2021

It’s December, and we hope you’re as enthusiastic about this #holiday season as we are! The pandemic caused far too many people to miss out on time and celebrations with family and friends last year. We hope this December...

Tuesday, November 30, 2021

If you are anticipating an annual bonus this year, it’s wise to come up with a thoughtful plan for the extra cash before it comes so you can get the most benefit from it. If you need more time to consider your options, deposit...

Tuesday, November 23, 2021

What a great time of year; full of food, fun and family plans! No matter which holidays you celebrate, most everyone enjoys gathering around the table for a great meal. Many of us do the best cooking we’re capable of during the...

Friday, November 19, 2021

Yes, we all complain about how the holidays seem to come earlier every year, but in this case, it’s a good thing to bear in mind! If you can, it’s a good idea to prepare for the holidays early. In addition, if you have any...

Tuesday, November 16, 2021

With the uncertainties we are all facing, now is good time to review your estate planning documents to ensure you have the basics in place should you become ill and hospitalized. As we continue to brave the impact of the pandemic and...

Friday, November 12, 2021

Insurance: we all hope to not need it, but wouldn’t want to be without it when we do. Car insurance, health insurance, life insurance, home insurance… you and your spouse probably have most – if not all – of...

Tuesday, November 9, 2021

Parents are often amazed when their children finally become adults. Turning 18 is a celebratory milestone, and no doubt the experience will leave you wondering how the years flew by so quickly. And even though your child will always...

Friday, November 5, 2021

The holidays are upon us which means the inevitable increased #spending on #gifts, travel and festive activities. While it’s nearly impossible not to spend more during these next few weeks, the less credit card debt accumulated...

Tuesday, November 2, 2021

While creating an estate plan is a common part of a financial plan, creating a family legacy is equally as important when thinking about how you want the wealth you’ve built to be distributed. In addition to including your...

Friday, October 29, 2021

November is when Americans take time to pause, reflect, and give thanks for our blessings. On November 11, 1918, the fighting in World War I ceased on the 11th hour, of the 11th day, of the 11th month of the year. Since 1954, November...

Tuesday, October 26, 2021

The years between turning 50 and retirement can be some of the very best. Hopefully you’ve earned enough to start living comfortably, you’re accomplished in your #job and #life, and you know which risks are worth taking....

Friday, October 22, 2021

As the economy continues to recover from the effects of the pandemic over the past year, we all have noticed the term ‘inflation’ coming up in the news. Stock and bond prices may show some volatility in the short term, as...

Tuesday, October 19, 2021

If you’re like many people, your 401(k) assets will be your primary source of retirement income, which can be a mental pivot: Your investment goals change from trying to grow your retirement account toward a balance between...

Friday, October 15, 2021

What’s better than knowing you’re doing everything you can to afford your dream retirement? How about knowing that investing in a 401(k) can help you save money for your retirement and save money on taxes right now!...

Tuesday, October 12, 2021

It’s difficult to watch a parent depend on others to perform the normal tasks of daily living. And offering to help – or pushing your parent to admit they need help – can feel awkward and difficult (you never outgrow...

Thursday, October 7, 2021

65 is the new 55! Advances in medicine, technology and nutrition have added nearly 10 years to American life expectancy over the past few decades. While formal “retirement age” hasn’t changed much, expectations...

Monday, October 4, 2021

On Aug. 14, 1935, President Franklin D. Roosevelt signed the Social Security Act to help fight unemployment and guarantee income for retirees. While Roosevelt acknowledged the limitations of the act, saying, “We can never insure...

Friday, October 1, 2021

Can you believe it's October already? That means Autumn is is in full swing with its changing leaves, lower temperatures and promise of the holidays...so bring on the candy and creative Halloween costumes! Even with all of the pumpkin...

Friday, September 24, 2021

Wouldn’t it be nice if the #stockmarket didn’t have such violent swings in either direction? Especially the dramatic downward plunges - we’d ALL like to avoid those! But the reality is, the markets include a certain...

Tuesday, September 21, 2021

For many, their first life insurance policy comes through their benefits package at work. Typically, it costs next to nothing and provides enough death benefit to cover one year’s salary. It’s a good start, but hardly...

Friday, September 17, 2021

For many of us, Social Security plays an important part in our financial plans for retirement or later stage of life. Even if you’re years away from applying for benefits, there are good reasons to set up your online Social...

Tuesday, September 14, 2021

A common complaint about life insurance is that you’re paying for something that only provides a return if you die (similar to how many feel about homeowner’s insurance). But what if you could have a death benefit AND tap...

Friday, September 10, 2021

Extended-care coverage can be complex, and there are many factors to consider when reviewing extended-care policies. The best policy for you may depend on a variety of factors, including your own unique circumstances and financial...

Tuesday, September 7, 2021

Life insurance is surrounded by misconceptions...when to buy it, when you need it, or if you need it at all! And let’s be honest, it’s an awkward subject in any setting, professional or otherwise. Evaluating a policy can...

Friday, September 3, 2021

Fall is here, even though it may not feel like it in South Florida! But. it’s time once again for football! After a long off-season, it’s exciting to get back to live games! It’s also an opportunity to examine what...

Tuesday, August 31, 2021

It’s time for your life insurance checkup. September is National Life Insurance Awareness Month, so it’s a great time to review your coverage.1 If you don’t have any life insurance, you’re not alone. Life...

Friday, August 27, 2021

One minute you’re tooling down the sidewalk as you scroll through your phone looking for that important text message from yesterday… the next minute, WHAM! You’re broadsided as you absentmindedly step off the curb...

Tuesday, August 24, 2021

Most of us take for granted our ability to earn an income and save for #retirement. What if something happens to you and you can no longer work? Not only would your day-to-day expenses start piling up, but your retirement contributions...

Friday, August 20, 2021

Over the last year, many have seen their lives impacted by the COVID-19 pandemic and the many other headlines dominating the news. The ways in which we work, live, and communicate have drastically changed, to say the least. As always,...

Tuesday, August 17, 2021

The news keeps getting better for Social Security recipients. It's now projected that benefits will increase 6.1% in 2022, up from the 4.7% forecast just two months ago. That would be the most significant increase since 1983.1,2...

Friday, August 13, 2021

Football season is around the corner, and that means Fantasy Football season is almost here – it’s a compelling and competitive game that allows you to be the owner, GM and coach of your very own football team! But first,...

Tuesday, August 10, 2021

It's hard to believe the new school year is right around the corner! If you have school-age children, you’re intimately familiar with the often-hectic morning routines that make launching a rocket into space look easy. The...

Friday, August 6, 2021

Isn’t it the worst when you wake up after you’ve hit the snooze button? Just a few more minutes! If your child is approaching college and you're behind on education savings, it can feel like hitting the snooze button too...

Tuesday, August 3, 2021

What does the Peace Corps, the US Senate, and the tax code have to do with education funding? They’re all related to Senator William Coverdell! Senator Coverdell represented Georgia from 1993 to 2000 after serving as the...

Friday, July 30, 2021

Educational attainment is a bedrock of the American Dream. We all want our kids to do better than us, and we’ll do anything to help them achieve that! There are dreams, and then there’s reality: college costs have exploded...

Friday, July 23, 2021

Ah... summer. It's that beautiful time of year filled with warmth and sunshine. A time that many of us look forward to enjoying. With days like this, looking ahead to stormy weather may be the last thing you want to do. But planning...

Tuesday, July 20, 2021

How do you picture your future? Some see retirement as a time to start a new career. Others see it as a time to travel. Still others plan to spend more time with family and friends. With that in mind, here are some things to consider.....

Friday, July 16, 2021

An important factor I take into consideration when working with clients to determine their retirement goals is the cost of inflation. It may be a hard number to pinpoint exactly, yet ignoring inflation poses a great risk to financial...

Tuesday, July 13, 2021

When you think about the concept of important relationships, you probably think of your family, your close work colleagues, maybe your healthcare professionals. Does your financial professional ever spring to mind? If you’re like...

Friday, July 9, 2021

When you have a major life event such as getting married, having a child, or buying a home, your financial situation and priorities may change. As your life changes, your financial decisions must stay in line with your goals, values,...

Tuesday, July 6, 2021

Part of prudently managing debt is making sure you have a plan to repay what you borrow. Any plan starts with a solid grasp of your budget and a full emergency fund! While it may seem counterproductive to start with saving before...

Friday, July 2, 2021

Now that July is here, achieving financial independence whatever your stage of life is an essential focus. When meeting with clients to determine the most efficient ways to maximize retirement savings, it’s not unusual for me to...

Tuesday, June 29, 2021

Each year there are billions of dollars in federal financial aid available from the U.S. Department of Education in the form of grants, loans and work-study funds. Current college or prospective students that fill out the Free...

Friday, June 25, 2021

As you enter each new phase of your life, milestones such as marriage, buying a home and having kids will impact you financially and inevitably affect how much money you can put toward retirement. While these new expenses can be...

Tuesday, June 22, 2021

We know how devastating being the victim of fraud can be. When it comes to protecting credit, most people only consider taking precautions for adults. But many victims of identity theft crimes are children. Why? Their credit typically...

Friday, June 18, 2021

Summer brings the perfect time for holiday BBQs with friends, fun in the sun, and making memories at the beach or pool. With the first half of the year in the rearview mirror, summer also gives us a chance to perform a mid-year...

Friday, June 11, 2021

Since I look at numbers for a living, I am always looking at data to see if I can spot a trend in the making. One of my favorite trends to analyze is what YOU like reading about when I send out my weekly emails. Your interests are at...

Tuesday, June 8, 2021

We hope you never experience a devastating disaster, but if you do it’s best to be prepared! Take time in advance to thoughtfully build and review your disaster preparedness plan. It will help reduce the fear and anxiety of the...

Friday, June 4, 2021

The summer is in full swing and our charity shred event is this Saturday, hope to see you there! June also brings the official start of summer and the longest days of the year, which means plenty of time to enjoy the sunshine and...

Tuesday, June 1, 2021

It's officially Hurricane Season! Time seems to be flying by quickly this year, and for Floridians, we find ourselves back into the routine of watching the weather report a little more closely. Everyone needs to take a proactive...

Friday, May 28, 2021

When you change jobs, it’s critical to remember to create a plan for past employee sponsored retirement accounts. While you have the choice to simply leave it, you also have the option to consolidate past plans which brings all...

Tuesday, May 25, 2021

Summer is around the corner and with it graduations, summer vacations, and figuring out to what to do with the kids. But, summer can still be a great time for teaching even with the break from traditional school routines. Here are four...

Friday, May 21, 2021

As a financial professional, my conversations with clients often center around retirement #goals and #dreams. When we really think about what retirement is, it’s not just about doing all the things you enjoy most, it’s...

Tuesday, May 18, 2021

One of the biggest financial challenges women often face is preparing for and having enough saved for retirement years. There are numerous reasons why these challenges exist, but through continued awareness and planning those...

Friday, May 14, 2021

With our annual charity shred event right around the corner, I usually get questions about exactly what is OK to shred and when. Recently I came across this infographic from the Federal Trade Commission (FTC) which provides very clear...

Tuesday, May 11, 2021

Preparing for retirement is complex for many reasons. With improved medical care, a person retiring today at typical retirement age may need their savings to last 30 years or more, making it necessary for retirement funds to sustain a...

Friday, May 7, 2021

There’s always a lot of noise around the stock market. It’s not always clear if it means anything for your retirement. Often, we trade growth for stability when we choose to retire. That way, we filter out some of the noise...

Tuesday, May 4, 2021

Are the people you wanted to benefit from your hard work your entire life this year the same as they were last year? Life can change quite a bit over time, so it’s important that you’ve got a record of who gets what in...

Friday, April 30, 2021

Inflation & Your Money - “If the current annual inflation rate is only 1.4 percent,1 why do my bills seem like they're 10 percent higher than last year?” Many of us ask ourselves that question, and it illustrates the...

Tuesday, April 27, 2021

As you know, we focus on the facts of regulatory changes that may impact your financial plan. Recently, there’s been a lot of noise about the Biden Administration’s American Jobs Plan, commonly referred to as the...

Friday, April 23, 2021

With the April 30th deadline around the corner, creating your child or grandchild's 529 plan is an easy way to help them to get a great start in life. Over the last four decades, the price of a college education has grown...

Tuesday, April 20, 2021

The day is coming, Tax Day! This year, the tax deadline has been extended to May 17th due to the ongoing pandemic. The IRS permits contributions to specific accounts for the 2020 tax year before filing, so you can utilize the extra...

Friday, April 16, 2021

You can’t grow a healthy lawn if it’s choked with weeds! Whether it’s a wine club, a streaming service, or a discount flight finder, subscription services have propagated over the last few years. Try these three ideas...

Tuesday, April 13, 2021

Preparing your taxes can be a real drag. It can feel like tax day looms over your spring! Well, fear not: the IRS has given you another month to file your taxes! The Treasury Department and Internal Revenue Service has announced that...

Friday, April 9, 2021

Recently I came across an article on Investopedia.com which shared what their reader's admitted to as their top investing mistakes.

Wednesday, April 7, 2021

For all your financial needs, it is always recommended that you consult a financial advisor. The advisor can help you think better about your financial planning choices and accelerate your path to the future you envision. (Keep in mind...

Tuesday, April 6, 2021

You may have heard or come across the term financial literacy as you’ve learned how to navigate finance and make monetary decisions. But, what does Financial Literacy really mean? In its simplest form, financial literacy is the...

Friday, April 2, 2021

The best time to review your insurance coverage is before you need it! It’s usually just a matter of allocating the time. After digging up the garden, try digging through your insurance coverage. Please contact the office for a second...

Friday, March 26, 2021

While you’re busy preparing for the warm summer months, why not clean your finances this SPRING as well? Spring is the perfect time to prepare your finances for the upcoming year! Here are some common areas to spend some time on:...

Friday, March 26, 2021

Rebalancing Your Portfolio Everyone loves a winner. If an investment is successful, most people naturally want to stick with it. But is that the best approach? It may sound counterintuitive, but it may be possible to have too much of a...

Tuesday, March 23, 2021

Have you ever wondered what blogs a Financial Planner recommends? There are a lot of personal financial blogs out there competing for your attention. Hundreds, in fact. So, how do you land on one that addresses your concerns and goals,...

Friday, March 19, 2021

In less than a week from now, I'll be hosting my Webinar on Managing Your Lifestyle. Remember to sign up for replay access or share with a friend who you think might like to learn along with you! One of the principles I'll be covering...

Friday, March 12, 2021

There are many different #strategies that can be used to take full advantage of investing opportunities and help you reach your financial goals; one such strategy is called Dollar Cost Averaging (DCA). Dollar Cost Averaging is...

Friday, March 5, 2021

The dream of a secure retirement, college funding, or a vacation home may be the financial “prize” you’re keeping your eyes on. But it’s hard for investors, even seasoned ones, to stay focused in the face of...

Tuesday, March 2, 2021

Financial Advisor in Boca Raton, FL Over the years, we have been helping the residents of Boca Raton concerning securing their future. Plan and nurture your finances with us at Blade Financial. We have an experienced and licensed team...

Tuesday, March 2, 2021

Clients and friends ask all the time where they should put their #money. That’s a great question, and it would be even better IF there were a one-size-fits-all answer. Unfortunately, though, market performance is fickle. The same...

Friday, February 26, 2021

The ongoing COVID-19 pandemic has kept countless people working from home for months now. Many have been wondering whether they should consider claiming the home office deduction on #taxes next year, so we thought we’d pass along...

Friday, February 19, 2021

Tax time is upon us and that means gathering all of your documents needed and getting them in one place to make filing your taxes as easy as possible. We thought it would be helpful to send along this handy checklist to help with that...

Monday, February 15, 2021

We often assume that couples share everything: a home, meals, pillow talk. And the sharing should ideally extend to a couple’s financial plans, too. But that’s not always the case.Oftentimes unmarried couples can find...

Friday, February 12, 2021

Now with Covid-19 protocols a part of our routine of life, the elections behind us, and the new year still ahead, we're all getting back into the normal rhythms of life. Maybe you're thinking about...

Tuesday, February 9, 2021

The Topic No One Wants to Dicsuss Divorce is an emotional rollercoaster. No one wants to talk about it, especially coming up to Valentine's Day. But, it is a reality for many living in the Covid Era. Everything feels like it's changing...

Tuesday, February 2, 2021

Prevent a Rift - Money Tips for Newlyweds & Not So Newlyweds! Research suggests that 70% of married millennial couples argue about financial decisions more than any other topic. This could explain why some experts say financial problems...

Friday, January 29, 2021

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...

Tuesday, January 26, 2021

Protecting your information is a priority for us. The damage related to cybercrime is expected to reach $6 trillion by the end of 2021 as reported by CyberSecurity Ventures*. They also reported that companies will spend nearly $133.7...

Friday, January 22, 2021

Clients and friends ask all the time where they should put their money... That’s a great question, and it would be even better if there were a one-size-fits-all answer! Unfortunately, though, market performance is fickle. The...

Tuesday, January 19, 2021

When you were young, your parent most likely warned you not to trust strangers. As your parent grows older, it’s time to return the favor. Seniors are frequent targets for financial scams, many have considerable assets and...

Friday, January 15, 2021

As we’ve seen, data breaches, such as the Russian-based SolarWinds attack that was announced late last year, can have major impact on online security. In light of these recent data breaches, we wanted to send along some tips to...

Tuesday, January 12, 2021

When I get into conversations with people who are thinking about investing but haven’t quite made the commitment, I find that the most common reason they give for waiting is that they don’t have the money to get started....

Friday, January 8, 2021

If you are anticipating an annual bonus this year - some companies have managed to fare well during the pandemic - it’s wise to come up with a thoughtful plan for the extra cash before it comes so you can get the most benefit...

Tuesday, January 5, 2021

When you have a family, life can be very full. Between a house, a job, a spouse, kids, and the rigors of everyday life, it can be hard to fit in everything that’s important to you. But finding some balance is critical,...

Friday, January 1, 2021

We wish you a very happy new year! As we close in on year-end, a common topic of conversation amongst friends and family is what resolutions they vow to make in the new year. One of the top kind of resolutions deal with finances in...

Tuesday, December 29, 2020

Recently, the U.S. Senate and House of Representatives overwhelmingly passed a $900 billion COVID-19 relief bill that provides greater unemployment benefits and additional stimulus payments to individuals and families, as well as more...

Tuesday, December 22, 2020

Even thought you’re probably planning on a more intimate gathering for this year, the holidays always seems to inspire us to make something special. Personally, some glazed ham and a hot toddy sounds like the perfect way to...

Friday, December 18, 2020

With Christmas right around the corner, looking at the the start of the holiday shopping season can provide important clues about the economy's state and, more importantly, overall consumer confidence. So far, the results have been a...

Friday, December 11, 2020

With the Holidays fast approaching, most of us are still scrambling for those perfect last minute gifts for the special people in or lives. Before you jump on to Amazon and try to find something that will make it on time, why not...

Tuesday, December 8, 2020

Sometimes people tend to think of financial planning as only to help you get out of debt, to get back on track, or for when you retire. Not true. Financial planning incorporate those areas and also so much more. Take a few...

Friday, December 4, 2020

Does your gift giving line up with your financial goals? With the Holidays right around the corner, we can all use a few tips and reminders on how to better manage the season and still keep our financial goals on track. According...

Tuesday, November 24, 2020

Leveraging Your Investments - With the Federal Reserve keeping interest rates at or near zero, you may wonder about your mortgage. Is it a good time to refinance or even pay off the debt entirely? After all, your mortgage is one of...

Friday, November 20, 2020

Did 2020 turn out the way any of us expected??? Yes, 2020 has been a bizarre year... AND you don't need to be worried about your finances on top of everything else. With 2021 fast approaching, it's time to take a good look at what...

Friday, November 13, 2020

After many weeks of telegraphing a long and careful ballot count, last week’s election lived up to that prediction in races for the Senate, the House, and the Presidency. While Americans voted last week, Wall Street cast its...

Tuesday, November 10, 2020

A U.S. drug company recently said that it’s in late stage trials for its coronavirus vaccine and reported that it could be given to Americans as early as the end of the year. Great news. But, it seems like every few days...

Friday, November 6, 2020

Political upheaval, Covid concerns, possible inflation fears, and international developments… there’s a lot going on in the world right now. As we’ve seen over this past year, events like these can influence stock...

Tuesday, November 3, 2020

It should come as no surprise to hear the economy is the top issue for voters in the 2020 election. Nearly 8 in ten voters say that the economy will be very important to them when they cast their votes.1 But when voters say...

Friday, October 30, 2020

With all of the uncertainty and stress during the year 2020, we prepare to brace for another national election this coming Tuesday, November 3rd. Many states will be selecting governors, representatives, and senators, while the...

Monday, October 26, 2020

In case you missed it with all of the election coverage, on October 13, 2020, the Social Security Administration (SSA) officially announced that Social Security recipients will receive a 1.3 percent cost-of-living adjustment (COLA)...

Friday, October 23, 2020

The upcoming election is prompting some people to reconsider their investment strategy. In fact, 45% of consumers with $100,000 or more investable assets expect to make changes to their portfolio due to the upcoming 2020 presidential...

Friday, October 16, 2020

It’s a startling statistic. 45% of consumers with $100,000 or more investable assets expect to make changes to their investments due to the upcoming 2020 presidential election.1 Second-guessing your investment strategy is...

Tuesday, October 13, 2020

Applications for the Free Application for Federal Student Aid (FAFSA) are now open for the academic year 2021-22. Applying for the FAFSA allows you to qualify for grants, scholarships, and other federally-sourced aid, such as...

Friday, October 9, 2020

With all of the other responsibilities you have to handle, it can be a challenge to feel confident in all the key areas of creating a solid financial strategy. When training to become a financial professional, much of our course work...

Tuesday, October 6, 2020

In theory, investors understand that stock market corrections are part of the investing process. But experiencing a setback—like the one we’ve witnessed in the past four weeks—can raise a lot of shoulda, woulda,...

Friday, October 2, 2020

What does the future election hold in store for investors and more importantly the economy? As the U.S. presidential election draws near, expect to see more and more headlines that propose, "What will happen next if this person is...

Tuesday, September 29, 2020

Six Most Overlooked Tax Deductions Who among us wants to pay the IRS more taxes than we have to?1 While few may raise their hands, Americans regularly overpay because they fail to take tax deductions for which they are eligible....

Friday, September 25, 2020

Football is back, which means Summer is coming to a close, days will get shorter, and sweaters will soon be in play...well, maybe not the sweaters. This year, there was no pre-season, so professional football started in September,...

Tuesday, September 22, 2020

To some, this may hardly feel like an economy headed for a bright future. But, don’t tell that to home builders. Builder confidence in August jumped to an eye-popping 78% in August, according to the Housing Market Index courtesy...

Tuesday, September 15, 2020

Will Power Only 45 percent of adults have a will or other estate documents in place, which may not be entirely surprising.1 No one wants to be reminded of their own mortality or spend too much time thinking about what might happen once...

Friday, September 11, 2020

Will I outlive my retirement money? This is one of the TOP FEARS for people who are starting to prepare for their retirement years. Determining how much money you need in retirement is a process. The process should include looking at your..

Wednesday, September 9, 2020

The Dow Jones Industrial Average, one of the most widely followed stock market indices, has made some key changes to its starting lineup. Salesforce.com, Amgen Inc.and Honeywell International Inc. have replaced Exxon Mobil Corp.,...

Friday, September 4, 2020

Some people in recent weeks may have been feeling that “the stock market seems to be doing so well but I’m not participating.” If you want to revisit your goals, please give our office a call. Or, if you're...

Tuesday, September 1, 2020

Two high-profile companies—Apple and Tesla—have announced stock splits in the past few weeks, which makes it a great time to discuss what’s involved when a company announces a stock split. *** Remember, any companies...

Friday, August 28, 2020

Right now, many Americans are worried about their financial health due to the impact COVID-19 has had on the country. Adding to these concerns were July's consumer prices— excluding food and energy—which rose at the...

Tuesday, August 25, 2020

With all of the storms and stresses of the year 2020, you’d be forgiven if you momentarily forgot that we’re due for another National Election in November. Many states will be selecting governors, representatives, and...

Friday, August 21, 2020

Finally, when hitting new lows is actually a good thing!!! If you're like me, it has felt like like each day brings a NEW HEADLINE about fluctuating market behavior. But amid the ups and downs of 2020, there may be some potential good...

Monday, August 17, 2020

This month, many universities and colleges are welcoming students back to campus, even if most campuses are largely online this year. But that's not all that's different. The current administration has issued an executive memorandum...

Friday, August 14, 2020

Mark your calendars! You have a little over 2 weeks until the deadline is here. Are you one of the many retirement account holders who took a mandatory distribution this year? If so, you may be able to manage the taxes associated with...

Tuesday, August 11, 2020

A Penny Saved is Two Pennies Earned Finding ways to manage expenses is one of the cornerstones of a sound financial strategy. This modern twist on the Ben Franklin maxim reflects the multiplicity of taxes to which earnings are subject...

Friday, August 7, 2020

Even with the challenges of COVID 19 and Hurricane Season, we all still have a Bucket List of things we want to accomplish. A quick read of my blog may help you figure out what you should think about doing with your Bucket List...

Monday, August 3, 2020

Summer Is Almost Over! With summer 2020 almost behind us, we have had so many ups and downs as well as unprecedented challenges to adapt to in the wake of COVID-19. In light of the seriousness and at times overwhelming waves of...

Friday, July 31, 2020

Your Changing Definition of Risk in Retirement - During your accumulation years, you may have categorized your risk as “conservative,” “moderate,” or “aggressive” and that guided how your portfolio was...

Monday, July 27, 2020

How Women Can Prepare For Retirement - When our parents retired, living to 75 amounted to a nice long life, and Social Security was often supplemented by a pension. The Social Security Administration (SSA) estimates that today’s...

Friday, July 24, 2020

Statistics show that investors are more likely to meet their goals if they have a long-term plan and avoid short-term, and often emotionally driven, reactions that cause them to swerve from the course. With 2020 now more than halfway...

Tuesday, July 21, 2020

Friday, July 17, 2020

In 2020, there seems to be one question that is asked over and over again. Now in the era of COVID-19 and the financial woes it has created, I am consistently asked: “Why is the stock market holding up so well when the economy...

Tuesday, July 14, 2020

“Dirty Dozen” Tax Scams to Watch For Who knew that we would be talking about TAXES in JULY?!!! Every year, the Internal Revenue Service (IRS) releases its list of tax scams, spotlighting the myriad ways that people try to...

Friday, July 10, 2020

With the economy and financial markets flashing mixed signals, it’s no wonder that lawmakers are deadlocked on whether to pass a Phase 4 of the CARES Act. In the current environment, things are changing so rapidly that even by...

Tuesday, July 7, 2020

Americans who have been adversely affected by the COVID-19 pandemic may now be able to access retirement accounts to help cover daily expenses, penalty-free. Now, in addition to those who have lost their jobs during the COVID-19...

Friday, July 3, 2020

Rapidly rising college costs over the last decade have made college planning difficult. This year, COVID-19 has brought new challenges and considerations to college students and their families. Due to all of the turmoil, if you have...

Tuesday, June 30, 2020

Has Life Insurance Crossed Your Mind in 2020? In our uncertain climate, it’s unsurprising that when American investors are thinking about their financial strategy, that the topic of life insurance comes up. For some, it’s...

Friday, June 26, 2020

An eye-popping $2 trillion in cash has been stashed in deposit accounts at U.S. banks since the COVID-19 pandemic first hit the country in January.1 This surge of money into banks has no precedent in history. Several factors have...

Monday, June 22, 2020

Which category would you rather belong to? Very Confident, Unsure, or Not Confident or more importantly, which category do you think you are in NOW? Catch-Up Contributions and How It Can Affect You A recent survey found that 23% of...

Friday, June 19, 2020

...the market is up, no wait, it's down...no wait - it's up again... Having a long-term financial plan gives your logic a leg up over your emotions during times of market volatility. When stock markets are highly volatile, the roller...

Monday, June 15, 2020

Volatile Markets Uncertain times and market volatility sometimes cause investors to panic. It's difficult not to get emotional when stocks plunge, which is why I encourage investors to balance anxiety with reason. I believe bear...

Friday, June 12, 2020

Certain Uncertainties in Retirement The uncertainties we face in retirement can erode our sense of confidence, potentially undermining our outlook during those years. According to the 2017 Retirement Confidence Survey by the Employee...

Monday, June 8, 2020

Stockpiling cash, spending less, and closely monitoring the uncertainties at hand seems to be the trend for consumers in the current climate... As Americans adjust their spending habits in a rapidly changing economy, they are building...

Friday, June 5, 2020

In recent days, we have watched as outraged and frustrated protests spilled out into the streets of American cities. Across our communities, unhealed wounds have been brought vividly to our attention once again. Our firm is committed...

Monday, June 1, 2020

Tucked into the gigantic Coronavirus Aid, Relief, and Economic Security or CARES Act were two key changes you should know about regarding required minimum distributions otherwise known as RMDs. Both were designed to give people more...

Friday, May 29, 2020

Hindsight is 20/20. It’s only human to imagine what it might have been like to turn left instead of right on some fateful day. However, that sort of daydreaming is unhelpful when investing, especially when it leads you to try and...

Friday, May 22, 2020

One of the most well-known investors of the 20th Century, Benjamin Graham, said that “the investor’s chief problem—and even his worst enemy—is likely to be himself.” What Graham understood—and...

Tuesday, May 19, 2020

Value vs. Growth Investing Looking at their recent track records doesn’t do much to settle the debate... Over the past decade, as a whole, value stocks have not performed as well as growth stocks. But looking at a...

Friday, May 15, 2020

Your Emergency Fund: How Much Is Enough? 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...

Monday, May 11, 2020

“Almost any decision is better than no decision at all.”1 Whether through inertia or trepidation, investors who put off important investment decisions might consider the above admonition offered by motivational speaker...

Friday, May 8, 2020

To Roth or not to Roth? That is the question at hand… The COVID-19 pandemic has shaken up nearly every aspect of American life. To say it’s been a difficult time would be an understatement. However, difficult times may...

Tuesday, May 5, 2020

Undeniably, Spring 2020 has tried the patience of investors... An 11-year bull market ended. Key economic indicators went haywire. Household confidence was shaken. The Standard & Poor’s 500, the benchmark for the broad stock...

Friday, May 1, 2020

Are you eligible for the PPP, if so better hurry!!! American lawmakers have passed the Paycheck Protection Program and Health Care Enhancement Act, a program that will offer small business loans to employers in need of aid as a result...

Tuesday, April 28, 2020

Are you eligible for a stimulus check from the Treasury Department? As of Friday, April 24, the Internal Revenue Service said it had issued 88 million payments to individuals across the country. It plans to send out more than 150...

Tuesday, April 21, 2020

Few life events are more stressful than a job loss!!! If you or someone you know is in this situation due to COVID-19, you’ll likely have several questions about job hunting, unemployment insurance, and health care. You may also...

Wednesday, March 18, 2020

Presented by Roxanne Blade, CFP® In your investing lifetime, you may only see a situation like the recent novel coronavirus (COVID-19) a few times. This is a circumstance where complete candor is necessary. The truth is that we...

Wednesday, March 11, 2020

Presented by Roxanne Blade, CFP® In this guide, we’ll explore ways to help you prepare for the upcoming tax season. Keep in mind, this guide is for informational purposes only and is not a replacement for real-life advice, so...