Over the years we have written about the increasing threat of identity theft. Malware, phishing, and social engineering are just some of the ways that individuals are targeted and identities stolen. Criminals are nothing if not creative. During this pandemic they have...
In the changing and complex retirement landscape, the more common retirement vehicles are well known – IRA’s, 401(k), and 403(b) plans. However, there are lesser-known retirement vehicles that have some interesting features. If you work for a tax-exempt organization or are employed by...
By signing the 1.9 trillion-dollar economic stimulus bill on March 11, 2021, President Biden signaled the government’s willingness to provide unprecedented relief to families and workers impacted by the COVID-19 crisis. In addition to the expanded economic impact payments of $1400 per individual and...
History repeats itself. Who would think that 100 years after the Spanish Flu (1918-1920) we would be faced with a pandemic that virtually shut down our country and large parts of the world? In addition to the terrible human toll that the coronavirus...
President Biden signed the American Rescue Plan on March 11th. There is a lot to unpack from this $1.9T piece of legislation. One part that will have an impact on many clients in the very near future is the stimulus checks or “Recovery Rebates” as...
You’re engaged! Congratulations! Here’s to the most expensive day of your life. According to The Knot’s 2019 Real Weddings Study, the average cost of a wedding was $33,900 (including the ring but not including the honeymoon), but it varies significantly by location. Unfortunately,...
Have you ever wondered how your credit score is determined and what you can do to influence it? Although the process may seem to be a bit of smoke and mirrors, it is important that you pay attention to your score as it is...
When we help clients with budgeting, one item consistently stands out as a major expense: housing. It is not just the mortgage cost, but also the insurance, utilities, HOA fees, maintenance, and taxes. The rule of thumb is one’s housing costs should not...
According to Educationdata.org, as of 2020 almost 48 million students have graduated from college with loan balances averaging $35,453. If you are one of the 62% of graduates who have student loans, you may be wondering how to prioritize your spending, saving and money management....
One thing that I have learned over the years is that life holds many surprises – both good and bad. Most retirees try to predict if they have enough in assets and pension or social security income to maintain their lifestyle. What they...