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Don’t Take a Vacation from your Budget this Summer

As we swim into the summer season, don’t let your finances take a dive. Now is a good time to review your current budget and set a summer budget. Creating a summer budget can help you keep your spending in check and maintain your financial sanity come fall.

As the weather warms up, we tend to spend more money on things like weekends at the beach, outdoor brunches and daytrips. Plus, we have a tendency to forget that our budgeted expenses generally increase over the summer months – it costs more to fill up your car with gas and both…


Financial Planning for New Parents

Since becoming a mom last year, my financial goals and long-term plans certainly have shifted. New parents should continue focusing on their own financial security and retirement goals, a baby means a whole new set of monetary considerations. Here are some tips that can help get your family on solid footing for the future.

Tips leading up to baby

Diaper duty. In the six months leading up to our son’s birth, my husband and I strategically purchased diapers. Knowing diapers are one of the more expensive, and frequent purchases for baby, we spaced out buying diapers over a few months creating…


Beyond a Budget – Financial Tips

Planning your financial future may seem like a daunting task. You need to understand the full view of what you have, what you’ll need and what it all means for your retirement. The basics – budgeting, saving and getting rid of debt are great places to start, but there are many things to consider beyond these basics. Especially for individuals and couples who have accumulated assets, there are a few critical points to consider when striving for a more secure financial future.

Create tax efficiency: Accumulating assets for retirement via investment accounts is a great start, but it’s critical to…


Spring Forward with Digital Banking Tools

As the days get longer and the temperatures start to rise, people often begin to think about spring cleaning, home improvement projects or even planning their summer vacation. Most of the time, the security of your financial information isn’t at the top of your to-do list, but now is a great time to ensure your financial information is secure when making purchases and/or traveling.

  • Utilize a mobile wallet for purchases – This is an easy-to-use, fast and more secure way to pay. Simply link your Univest debit or credit cards to make mobile payments via…

Improve Your Finances This Year

Common New Year resolutions include getting healthier or possibly losing weight. In addition to becoming physically and mentally fitter, it is also a good time to focus on becoming stronger financially. This process can begin by taking time to sit down and set some goals to help keep your financial future on track.

Consider these areas to help formulate your financial goals for the year.

Income: What are your sources of income? Is your income sufficient to accomplish the goals you want to achieve? If necessary, consider a second form of employment that you will enjoy to add additional income to…


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…

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