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Tips for protecting your home business
More people are running their businesses from their homes than ever. If you’re one of America’s entrepreneurs-in-sweatpants, you’re on the cutting edge of both crafty and cozy. What you may not have is coverage. Many people assume...
Read More“The Four Most Dangerous Words In Investing Are: ‘This Time It’s Different.’” – Sir John Templeton
Despite those who say the conventional wisdom that has guided investor actions over the years is no longer valid in 2025, remember the famous quote from legendary investor Sir John Templeton: "The four most dangerous words in investing...
Read MoreWhat’s the Job Market Look Like for 2025 Graduates?
It’s graduation season—a time of celebration and new beginnings. For families with college seniors, this time can bring both excitement and uncertainty. While some graduates have jobs lined up, many others still are navigating job...
Read MoreIs It Smarter to Buy or Rent a Second Home?
As summer approaches, your thoughts may drift toward escaping your daily routine. Whether your idea of a perfect vacation is sitting on a pristine beach, fishing in a mountain lake, or playing the back nine between pickleball matches,...
Read MoreTop Considerations to Help Adult Children Be Better Prepared As You Age
As we get older, it’s important that our adult children are prepared to manage any aging-related situations that may arise. This includes everything from having to make medical and financial decisions to determining assisted living...
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From College Acceptances to Affordability: Considerations for Families in the Final Stretch
April is a pivotal time in the college admissions process. After years of preparation, saving, and investing—not to mention the countless hours spent on exam prep, campus visits, and perfecting applications and essays—the finish line...
Read MoreSpring Into Financial Wellness: Actionable Steps for Financial Literacy Month
April isn’t just about filing taxes—it’s also Financial Literacy Month, a perfect opportunity to reflect on your financial habits, expand your knowledge, and take meaningful steps toward improving your financial well-being. Whether...
Read More10 Things You Can Do Now to Help Simplify Your Estate for Your Heirs
One of the greatest gifts you can give your loved ones is a thoughtful estate strategy that outlines your wishes after you are gone. Discussing estate details with your team of professionals is another way to help manage your legacy...
Read MoreThe Evolving Role of Women in Family Finances
March is Women’s History Month, and according to a recent survey, 49% of women consider themselves to be the chief financial officer of their households, up from 41% in 2021.1 Those numbers are even more impressive when you consider...
Read MoreDon’t Leave Money Behind: Finding Your Missing 401(k)s
You've worked hard throughout your life to build assets to support your retirement. As financial professionals, one of the most critical functions we provide is helping clients determine their retirement income needs and structuring a...
Read MoreTax Season Brings a New Wave of Identity Theft Risks
Tax season brings a new wave of identity theft risks, with criminals ready to exploit your personal data to file fraudulent tax returns in your name. Imagine the shock of discovering that a criminal beat you to filing your...
Read More10 Facts You May Not Know About Social Security
Social Security is often misunderstood or underestimated in retirement strategy. However, as financial professionals, we've seen how it can play a crucial role in our clients' overall financial strategy, regardless of their income...
Read MoreInnovative New Year's Resolutions: Financial and Personal Growth Strategies for 2025
Looks like New Year's resolutions are still going strong in 2024! A recent Pew survey found that about a third of Americans kicked off the year with at least one resolution, and many people actually went for multiple goals. It's...
Read MoreKey Financial Insights from 2024 and Looking Ahead to 2025
As we approach the end of 2024, it's an opportune time to reflect on the year's financial developments and consider what 2025 may bring. We believe in understanding both the past and potential future of our economic landscape, which...
Read MoreNavigating Healthcare Costs in Retirement: Life After Employer-Sponsored Health Insurance
As you approach retirement, a critical aspect of your retirement strategy can catch even the most financially savvy individuals off guard: healthcare costs. For decades, you may have enjoyed employer-sponsored health insurance. As...
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Innovative Financial Resolutions for a Successful 2025
According to a Pew Research Center survey, 30% of Americans reported making at least one resolution for the year at the beginning of 2024, with half of this group making more than one.1 What types of resolutions do people make? In...
Read MoreA Different Kind of Year-End Review: 10 Steps to Reflect and Recharge
Financial professionals typically have a year-round focus on monetary goals and wealth management strategies. However, we also believe that true financial well-being is intrinsically linked to your overall life satisfaction and...
Read MoreYear-End Giving Strategies: Maximizing Your Impact
America is a generous country. People with diverse backgrounds can unite for a good cause, whether to benefit their local communities or the broader world. As we enter the holiday season, now is a great time to think about your giving...
Read MoreExploring the Financial Impact of Electric Vehicles
As financial professionals, we’ve noticed a trend among our clients: an increasing interest in electric vehicles (EVs). To help address some of your questions, we’ve compiled this high-level guide to provide insights into the...
Read MoreSafeguarding Your Identity: Essential Tips for Financial Security
Statistics show that nearly 33% of Americans have faced some identity theft attempts in their lives, and experts estimate there is a new case of identity theft every 22 seconds. As financial professionals, one of our primary goals is...
Read MoreThe Impact of Elections on the Markets and Tax Policy
The Impact of Elections on the Markets and Tax Policy With Labor Day behind us, we're in the final stretch of the 2024 presidential election race. As we follow the news and parse the most recent polls, some may ask, "How might what...
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September is Life Insurance Awareness Month
Life is an amazing journey full of challenges and triumphs. No matter where you are on the journey, preparing can be a key part of success. That’s why we are happy to remind you that September is Life Insurance Awareness Month. Life...
Read MoreDon’t Be A Victim Of The Retirement Crisis
Don’t Be A Victim Of The Retirement Crisis If you think the United States has a retirement crisis, you are not alone. A recent survey found that 79% of working-age Americans believe the same thing. That percentage is up from 67% in...
Read MoreArtificial Intelligence’s Influence on the Investing Landscape
In 1999, Bill Gates wrote, “How you gather, manage, and use information will determine whether you win or lose.” Companies looking to be successful in the future should heed these words when making decisions about implementing...
Read MorePreparing to Send a Child Off to College? Don't Forget These Important Topics
Sending a child off to college is a major milestone for any family, whether you’re a parent, grandparent, or close friend. It’s an exciting time, filled with anticipation and perhaps a bit of trepidation. There’s so much to do, and...
Read MoreDo You Know About the New Filing Requirements for Small Business Owners?
If you are a small business owner—or plan to be one—you should be aware of a new reporting requirement. The Corporate Transparency Act (CTA), passed in 2021, changed beneficial ownership rules, which is expected to impact 32 million...
Read MoreTen Common Estate Strategy Mistakes You Should Avoid
Legacy preparation can play a key role in any financial strategy. Legacy management lets you consider what happens to everything you’ve accumulated—and may continue to accumulate—throughout your lifetime. But far too often, we’ve seen...
Read More5 Important Financial Protection Strategies
Warren Buffett once said, "Rule no. 1: never lose money. Rule no. 2: never forget rule no. 1." As financial professionals, we spend much of our time discussing how to manage your money. However, another critical aspect of our...
Read MoreInsurance Only LLC
Insurance Only LLC When it comes to business continuation planning, two common strategies business owners often consider are the cross-purchase plan and the entity purchase or stock redemption plan. Each has its advantages and...
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6 reasons a policy review can benefit you today
Align your financial past, present, and future with a policy review You’ve put love into action by protecting yourself and your loved ones with life insurance. And, just as you would see a doctor for an annual check-up, your policy...
Read MoreDo annuities make sense for your portfolio?
In a recent study of retirement savers, close to 90% of survey participants agreed that they are worried about inflation and its impact on their retirement savings1. Whether this period of inflation is short lived or not, it’s crucial...
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Did you get your retirement tax credit?
Get a tax credit to offer your employees a retirement plan. Under 2022’s SECURE 2.0 Act, companies with up to 50 employees that do not currently have a retirement plan can receive a tax credit for 100% of the plan’s startup costs for...
Read MoreProtecting your most valuable asset
Protecting your most valuable asset When considering asset protection, protecting items such as your vehicle, your home, or even your boat is almost a no-brainer. But what about your most valuable asset—your income? After all, your...
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Protect your income with individual disability income insurance
When considering if disability insurance is right for you, ask yourself these important questions: How long would your current savings last if you had to use it to pay your bills? What would the long-term financial impact be? How long...
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6 reasons a policy review can benefit you today
Align your financial past, present, and future with a policy review You’ve put love into action by protecting yourself and your loved ones with life insurance. And, just as you would see a doctor for an annual check-up, your policy...
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Seniors have a 70% chance of needing some type of long-term care
Did you know that seniors turning 65 today have a 70% chance of needing some long-term care as they age? Not surprisingly, long-term care comes with a hefty price tag.1 Nationally, the average cost of a nursing home is over $90,000...
Read More5 Important Financial Protection Strategies
Warren Buffett once said, "Rule no. 1: never lose money. Rule no. 2: never forget rule no. 1." As financial professionals, we spend much of our time discussing how to manage your money. However, another critical aspect of our...
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Today, your future earnings are worth . . .
Knowing how much coverage is enough “I get life insurance with my job.” We hear that from our clients all the time. And yes, employer-paid life insurance is a great benefit, but it’s usually far from enough to...
Read More5 Important Financial Protection Strategies
Warren Buffett once said, "Rule no. 1: never lose money. Rule no. 2: never forget rule no. 1." As financial professionals, we spend much of our time discussing how to manage your money. However, another critical aspect of our...
Read More