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Thursday, May 21, 2020

Money is a central part of everyday life as an adult. We spend time most days earning it, we need it for survival, and we want it for fun and entertainment. Oddly, it’s often a topic that isn’t talked about or shared with...

Sunday, May 17, 2020

Debt seems like a dirty word, and it can be — but there’s more to it than simply money owed. There are many different kinds of debt, each with different characteristics. What is “good debt,” and what should you...

Thursday, May 14, 2020

With the current landscape creating changes—and challenges—for everything from our day-to-day routines like the way we shop for necessities to employment risks and realities, the need for self-care has never been more...

Monday, May 11, 2020

You’re at the amusement park, waiting to board the roller coaster. You can see the whole track as you stand in line. Peaks that seem to pierce the clouds. Dizzying descents. You climb into the car, clutch the harness, and off you...

Thursday, May 7, 2020

Many business owners are surprised to learn that wages paid to a disabled employee, not subject to a written plan, are not tax-deductible business expenses. And, business owners may unknowingly expose themselves to claims of...

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Monday, May 4, 2020

As of mid-2019, 45% of Americans have a side hustle1, and that figure is only continuing to grow. In any economy, side gigs can be a great way to earn extra cash or explore new interests. And especially in these uncertain times, it may...

Wednesday, April 29, 2020

Attract Better Employees with Better Benefits In a good economy, smart business owners know that a benefits package needs to fan a candidate’s excitement for joining the team. Serving up the usual can do just the opposite,...

Saturday, April 25, 2020

Responsible money management is often a foreign concept to teens that is complicated and confusing. Yet, if they learn how to save and be financially responsible early, they can protect themselves in the future. To empower teens to get...

Tuesday, April 21, 2020

“Wherever you go, there you are” is a classic reminder to live consciously and fully in each moment. In terms of financial confidence and well-being for young adults, that advice makes excellent sense as well. Wherever you...

Thursday, April 9, 2020

Many parents consider financial goals to benefit their children at major milestones, whether it’s the appearance of a first tooth, or the first day of school. No matter the time of year, it’s always a good time to resolve...

Sunday, April 5, 2020

“Mom, can I have five bucks?” These words will be heard by all parents at some point. Every parent must decide—and fairly early on—how to answer and handle being a walking, breathing ATM. Children need to be...

Friday, April 3, 2020

Change comes at us from every angle as people update and upgrade everything from their diets to their devices, seemingly every day. When we enter adulthood as a young professional, we never imagine that we are only a couple dozen...

Sunday, March 29, 2020

Everyone has a vision of their retirement in their heads. It could be the quintessential condo in Florida, moving closer to the grand kids or taking off to travel the globe — but whatever it is, you won’t get it for free....

Friday, March 27, 2020

It’s fun to daydream about a better financial future. But, unfortunately, too often people stay stuck in their dreams and don’t take action. Yet, as author Annie Dillard has observed, “How we spend our days is, of...

Tuesday, March 24, 2020

Tuesday, March 24, 2020

Buying your first home is a big decision that involves a major financial commitment, so you want to make sure you approach it smartly. Here are some important tips to help you make this decision. 1. MAKE SURE HOMEOWNERSHIP IS RIGHT FOR...

Tuesday, March 10, 2020

If it were easy to talk about money, everyone would do it. But in reality, conversations about finances are tough for a lot people. Money is an intimate topic that can make people feel vulnerable. This is true even for (or especially...

Friday, March 6, 2020

When’s the last time you reviewed your will? Do you remember your attorney discussing a concept known as the unified credit? Did your attorney discuss an amount that was exempt from estate taxes? Not that long ago, this exemption...

Tuesday, March 3, 2020

Every business wants to grow. But there’s a risk of extending your business so far, so fast that you hit the tipping point where expenses exceed income and find yourself in trouble. Maybe your business added overhead at a rate...

Thursday, February 27, 2020

Approximately 20% of U.S. adults have a disability, according to the CDC.1 For the millions of disabled Americans, the Americans with Disabilities Act of 1990 (ADA), as amended, made it unlawful to discriminate in employment against a...

Sunday, February 23, 2020

Everyone has a vision of their retirement in their heads. It could be the quintessential condo in Florida, moving closer to the grand kids or taking off to travel the globe — but whatever it is, you won’t get it for free....

Wednesday, February 19, 2020

If you are like most Americans, meeting the future financial obligation of sending your child to college requires years of disciplined saving and intelligent investing. One strategy for accumulating the necessary funds to pay for...

Sunday, February 16, 2020

Do you love wine? Next question: Are you financially confident? This one is a little harder to answer, right? To be financially confident means that you feel good about your current financial situation and future outlook. If this...

Wednesday, February 12, 2020

More and more companies are choosing to donate to charities through volunteering their time, resources, or both. In 2018, foundations and corporations gave an estimated $427.71 billion to U.S. charities, according to Giving USA 2019:...

Sunday, February 9, 2020

Entrepreneurship can be a rewarding but solitary pursuit. As a leader you may not have many peers in your day-to-day life — even a friend serving as, say, a corporate executive won’t know what it’s like to be...

Wednesday, February 5, 2020

Congratulations — your business is profitable! Have you considered how much of those profits to reinvest in your business? While some entrepreneurs funnel as much as 50 percent back into their companies, depending on your goals...

Monday, January 27, 2020

A successful retirement doesn’t happen automatically. It takes careful planning. The Long-Term Vision Test, our interactive retirement planning tool, can help you create the kind of future you envision. The tool has you rate 10...

Wednesday, January 22, 2020

Centuries before the crash of 1929, the dot-com bust, and cryptocurrency, there was the tulip bulb in the Netherlands. 1 In the 1600s, the country’s emerging middle class began to fawn over the flora and display tulips to show...

Thursday, January 16, 2020

It’s morning and you’re out the door. Immediately your home’s smart devices take over, dialing down the heat, turning off the coffeemaker, and arming surveillance inside and out. In the car, rain-sensing wipers...

Sunday, January 12, 2020

Did you know that U.S. households carry nearly $7000, in revolving credit card debt from month to month?1 By making only minimum payments and piling new debt on top of old, many of us start each month in the hole. We shoulder constant...

Monday, January 6, 2020

Can money buy happiness? Maybe. For example, people who have financial strategies are typically happier because they feel more in control. On the other hand, people who lack financial resources report varying degrees of stress and a...

Friday, January 3, 2020

Have you or a loved one ever had a major health scare? One that rocked your world for a few days (and sleepless nights) until you learned it was not as serious as you feared and that life would return to normal with the right care. A...

Tuesday, December 31, 2019

Planning. We all know we should do it. Indeed, we all do it much of the time to some degree. We plan dinners. We plan parties. We plan vacations. Legacy or estate planning is our ultimate chance to plan the future. You’ve been...

Friday, December 27, 2019

Nearly two-thirds of Americans lack confidence in their financial well-being, according to research. They have goals — saving for a home, protecting their family, putting money aside for retirement — but they can’t...

Sunday, December 22, 2019

It’s fun to daydream about a better financial future. But, unfortunately, too often people stay stuck in their dreams and don’t take action. Yet, as author Annie Dillard has observed, “How we spend our days is, of...

Friday, December 20, 2019

Many small businesses are one person businesses. If this sounds like you, you might want to consider opting into a Solo 401(k) Plan. A Solo 401(k) plan is for a one-person business and may provide opportunities to increase your...

Thursday, December 12, 2019

The good news is that Americans are living longer these days. The average life expectancy has risen steadily from 49 years in 1900 to 79 years in 2000. Congratulations if you live in Hawaii – your state has the highest life...

Thursday, December 5, 2019

Everyone knows to “save for a rainy day,” right? That’s easier said than done because many of us don’t know what to consider as a “rainy day.” It’s easier to save for things we are motivated by...

Monday, December 2, 2019

When you cross the threshold into your thirties, you have a sense of confidence and direction for the kind of life you want to live. After all, you likely spent your twenties surviving tough lessons about work and self-sufficiency. You...

Saturday, November 23, 2019

WHY IT’S NOT TOO LATE TO START PLANNING FOR YOUR RETIREMENT In a perfect world, we all begin saving for retirement in our mid-20s—and the closer we get to retirement, the more confident we feel about having enough saved to...

Wednesday, November 20, 2019

In the first few years after college, graduates tend to expect job turbulence. After all, the professional learning curve is steep, and it can take a while to find a good job fit. The surprising news, however, is that job certainty...

Monday, November 18, 2019

Imagine you’re planning a round-the-world cruise. It won’t happen for a few years but you’re serious about going. One of the first things you do is figure out the cost. As the date draws closer, you nail down the...

Friday, November 15, 2019

Thursday, November 14, 2019

Tomorrow may be different. That’s why you need life event funds. If every day were the same, it would be easy to know exactly how much money you would need. You’d know exactly how much your coffee would cost, how much gas...

Thursday, November 14, 2019

Thinking about starting a small business? Join the club – 97 percent of US employer firms are small businesses, a total of 27.9 million.1 What’s more, over 500,000 new businesses will open this month in the US. While...

Monday, November 11, 2019

Friday, November 8, 2019

While the savviest CEOs and bankers understand complex financial concepts that would confound most of us, there’s one critical concept they use that we can all get our heads around: cash flow. Cash flow is, in short, all the...

Thursday, October 24, 2019

Deciding that you’re ready to change careers can be a daunting task — where do you start? Maybe you’ve considered a career in finance or maybe it’s never crossed your mind. If you have thought about a career in...