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Considerations for Dipping into Your Emergency Fund
Personal Planning03/06/2024

One of the keys to long-term financial success is organizing your spending through a pre-determined budget. And one of the most important components of a household budget is your emergency fund. The...

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Tax Efficiency in Retirement
Personal Planning01/17/2024

Will you pay higher taxes in retirement? It’s possible. But that will largely depend on how you generate income. Will it be from working? Will it be from retirement plans? And if it does come from...

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Retirement Roadmap for Small Business Owners
Personal Planning01/10/2024

Small business owners are an essential component of America’s economy. In the United States, 99.7% of all firms are comprised of small businesses with 500 or fewer employees.1 However, small business...

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How to Make the Most of the New Year
Personal Planning01/03/2024

The concept of January 1st starting the new year, began in 46 B.C. The idea was to sync with the annual cycle of the sun more accurately. This was called the Julian calendar and it was used...

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Does Your Portfolio Fit Your Retirement Lifestyle?
Personal Planning12/20/2023

Most portfolios are constructed based on an individual's investment objective, risk tolerance, and time horizon. As a retiree, how you choose to live in retirement may be an additional factor to...

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Navigating Pitfalls
Personal Planning11/22/2023

Much is written about the classic financial mistakes that plague start-ups, family businesses, corporations, and charities. Some classic financial missteps have been known to plague retirees, too....

Why is 59 1/2 So Important?
Personal Planning11/15/2023

If you were born in the early 1960s, you’re old enough to remember the Apollo lunar landings. You may remember the first departure of astronauts Neil Armstrong and Buzz Aldrin, who walked on the moon...

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Eight Mistakes That Can Upend Your Retirement
Personal Planning11/08/2023

Pursuing your retirement dreams is challenging enough without making some common, and very avoidable, mistakes. Here are eight mistakes to steer clear of, if possible. No Strategy: Yes, the biggest...

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Healthcare Costs in Retirement
Personal Planning10/18/2023

In a 2022 survey, 35% of all workers reported they were either “not too” or “not at all” confident that they would have enough money to pay for their medical expenses in retirement. Regardless of...

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