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Holiday Gift Guide for a Secure Financial Future

‘Tis the season for giving. Have you considered giving a loved one a gift that would help provide a more secure financial future? Check out this financial gift guide for the holiday season:

Financial planning: Helping a child or grandchild with a financial plan is one of those “gifts that keeps on giving.” This holiday season, set up some time with your advisor to sit down with your child or grandchild. Many people do not have the financial literacy or confidence to create their own long-term financial plan. Gifting a meeting with a financial advisor is invaluable and can help…


Don’t be a Victim of Fraud this Holiday Season

Advancements in technology for keyless entry into our cars makes entering and exiting your vehicle much easier. This also brings a false sense of security and a “leave it in the car, it will be fine” mentality. As the holidays are upon us, we often find ourselves loading our car with gifts and other valuables, in addition to, our purse or wallet.

Although the holiday season is meant to bring joy and togetherness, it also brings out the Grinch. There are groups of fraudsters on the hunt for purses, wallets and anything bank related left in cars at places such…


Tips to Help Manage Holiday Spending

With the holidays fast approaching, your to-do list is probably growing: the food, the decorations, the gifts! While we are all ready for the festive fun the holidays bring, is your money ready as well?

In 2017, Americans spent an average of $967 on gifts for family and friends. This cost doesn’t include tree trimming, travel or the added expense for holiday meals. It is so easy to overspend this time of year. Below are some tips that I have found to be helpful to save on holiday spending and ideas to put into practice to help prepare for next…


Questions Financial Advisors Hear the Most

There are some questions that are asked frequently by clients. If our clients are asking them, it means that others are likely wondering the same thing. Here are the three most common questions asked on a daily basis.

How much should I be saving?

This is the number one universal question. No matter age, income, or financial stability, everyone who steps into the office asks this question. To answer this, we like to suggest the 50/30/20 budgeting rule. What this means is to simply divide your take-home pay into three categories to provide a framework for how that money should be allocated….


Don’t Get Spooked By These Financial Scares

The Halloween season is in full swing and there are plenty of ghouls and ghosts out there trying to trick you. Don’t let these financial demons sneak up on you!

Unchecked Spending
If you don’t have a budget in place, your finances can be scary! To get a snapshot of where your hard-earned money is being spent, keep track of all your expenses for a month. In addition to obvious large expenses like your rent or mortgage and utilities, don’t forget to track every pumpkin spice latte and broomstick you buy as well as expenses that occur regularly but not…


Don’t Fall for These Common 401(k) Myths

You build a career and diligently save money in your 401(k) so you can live comfortably in retirement, but do you truly understand what’s going on in your retirement investment account? A 2018 survey from the Employee Benefit Research Institute found that three in 10 workers don’t know what to do with their retirement savings. Below, are a few common misconceptions to avoid to help get you on the right track when it comes to your retirement efforts.

“I can just sign up and forget about it.” Enrolling in your company’s 401(k) plan and setting up automatic contributions is a good…


Tips to be a Financially Healthy College Student

Going off to college is perhaps one of the most exciting yet frightening times for young adults. During this typically hectic time of packing and preparing for the start of school, financial preparedness is often overlooked. Here are some tips that may help to alleviate some of the financial stress facing college students.

  • Create a Budget – It is important to get all of your expenses listed on paper so you can determine how much you will need on a weekly and monthly basis. Don’t forget to account for “fun” money each week. While it is important to…

Financial Musts for Cohabitating Millennials

Millennial couples are choosing to live together before marriage more than any other generation in the past, according to the Pew Research Center. While becoming more and more commonplace, couples need to have a plan to successfully manage their finances under these circumstances. It’s critical for couples to be mindful of both their individual and combined financial situation. Below are tips for cohabitating couples to ensure they are on a secure financial path together.

Open communication – It’s imperative to be open and honest about finances before you start to live with someone. Discuss your “money type.” What are…


Four Small Changes That Can Have a Big Impact on Retirement Planning

As I scrolled through some of the leading financial publications recently, I noticed that many reporters are covering the news of retirement “unpreparedness” – sharing surveys, anecdotes and detailing the “dire” situation that Americans are facing.

However, when it comes to proper financial planning, it’s not these kind of scare tactics that will get individuals and couples on track. Rather, simple and actionable goals need to be implemented to increase the probability of success for financial plans, and in turn, retirement goals. Below, I outline small changes to weave into your lifestyle, and easy strategies to consider.

  1. Realign wants vs….

Remember your BANK when Packing for Vacation

Summer has officially arrived and many are headed off to enjoy a relaxing vacation. With all the convenient ways to conduct your banking, taking care of your finances while you are on vacation can be relaxing too. Below are a few tips I recommend to clients when they prepare for some time away.

Mobile Banking – Bank anytime and anywhere. Mobile banking is the convenient way to view and manage your accounts. You could be sitting by the water watching the waves and with a few simple clicks you can have peace of mind by accessing your account from…

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