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Mistakes to Avoid During 401(k) and IRA Rollovers

It is hard to tell just how much the pandemic has changed the future of the way we work, but the past year has definitely seen a large number of people leaving their jobs for a variety of reasons including higher wages, better benefits, flexible work schedules, or just people retiring from the workforce. The “Great Resignation” of 2021 has certainly caused some headaches for employers but has also brought about a great deal of opportunities for employees.

One important thing to keep in mind when changing jobs is your employee sponsored retirement plan.

If you have a retirement plan from…

Are Younger Investors Getting Sound Advice?

In the past few years, there has been a surge of online platforms and mobile apps that make investing in the stock market more accessible to average investors, and, in many cases, younger people. In fact, my 13-year-old son recently told me he wanted to start buying stocks. While beginning to invest at an early age can be great for the long-term, one of the potential downsides is knowing where to start and how to navigate the overwhelming amount of information available online. For novice investors, it can be challenging to sift through what is a reputable education source…

How Risk Tolerance Influences Your Financial Plan

This past year, market volatility prompted many investors to think about how much risk they’re willing to tolerate. An investor’s risk tolerance is how comfortable they are with potentially losing money in hopes of higher gains, depending on market performance. Whether or not last year has inspired a more aggressive or more conservative approach, investors should work with their advisor to align their risk tolerance with a comprehensive and personalized financial plan.

How is risk tolerance determined? The first step we utilize at Girard to establish risk tolerance is to have each client complete a questionnaire, so we can get a…

Prepped For Tax Time?

The annual, looming deadline to file your taxes is two months away. April 15 falls on a Saturday this year so the deadline to file has been pushed to April 18, but the prep should start now to prevent stress later. You’ve likely received your tax information in the mail, so it is key to organize all of these documents to properly file your returns.

The first part of the year is a great time to get fiscally organized, and, if you prepare now, filing your taxes can be less of a burden. Here is a quick list of things…

Use Your Smartphone For a Financial Advantage

The Information Age has altered the landscape of our financial world bringing with it the boundless expansion of mobile device capabilities which are readily available at our fingertips. As smartphone technology becomes an even bigger part of our day-to-day lives, it is important to know how to take advantage of the financial abilities these tools grants us.

Whether it’s tracking your spending to operate within a realistic budget or scouring for sales promotions and coupons, classic saving tactics are made easier when properly utilizing your smartphone. With sound savings habits in place, you may have additional funds available to invest…

Girard Insights: Third Quarter Market Update


Given the market roller coaster ride of the past couple months, it is hard to believe that Greece and its looming debt crisis dominated the financial markets at the beginning of the third quarter. Alexis Tsipras, Syriza and Greece’s future in the euro caused confusion and uncertainty in the global markets as we waited for some sort of resolution.

Thankfully, Greece was able to approve a bailout to avoid bankruptcy and a subsequent exit from the Euro. But while this was happening, the stock market of the world’s second largest economy just weeks earlier began a downward slide that continued…

Attention Baby Boomers

In 2015, it is estimated that 10,000 baby boomers will retire from the workforce each and every day.  But before this decision is made, many factors will need to be considered, including age and health, both physically and financially.

Social Security (and the thousands of rules in its handbook) continues to be one aspect of retirement planning that can often be confusing and intimidating to people.  How and when do I file?  How much am I getting?  When can I begin receiving it?  These are just a few of the questions you may have if you are one of the…

Start Now to Make Next Year’s Taxes a Breeze

You may find it hard to believe, but we are just days away from closing the books on the first quarter of 2015.  And since setting our clocks ahead an hour, you will notice that the sun is out a little longer, the weather is getting warmer, and the ice and snow are finally melting.  All of these signs are great reminders that old man winter has departed, spring is here, and your taxes are due on April 15.


According to the Internal Revenue Service, 20%-25% of Americans wait until the final two weeks leading up to the April 15deadline…

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