Blog
What’s on our mind here at Beacon Wealth Management Group? Well...You can read about it in our blog.
Whether it’s ideas from the investment world or concepts from the financial industry, you can read about it here. And once in a while, we may throw in a movie review, a good book we read, some silly photos of our team or some other surprise.
So keep checking in. We’re glad to have you reading along.
Securities Offered thru LPL Financial. Member FINRA/SIPC
401K or Life Insurance
Both life insurance and a 401(k) can serve as investment tools. Determining which is the better choice for you will depend on your long-term goals. Because they serve different purposes, you may be interested in both.
Read MoreConsumers Expect Better Days Ahead
Investors believe their financial situation will improve due to a wide range of factors, including interest rates and home prices, to name a few. When investors are positive about the future, they tend to be more comfortable making longer-t
Read MoreIt's Time for Your Checkup
Like annual physicals, a yearly financial checkup can help uncover hidden problems, inspire you to set new goals, provide information you need to improve your health, and help make sure you’re on track for well-being.
Read MoreFed Presidents: Rates Are High Enough
Are Interest Rates high enough yet? Is the FED done it's job? You may have heard the idea that the Fed is trying to “thread a needle” with the economy by raising interest rates to slow growth but not cause a recession. Crunch Time.
Read MoreWill Middle East Tensions Push Rates Higher?
While we feel for and support all the innocent people being affected due to the unrest overseas, what will that mean for the markets and interest rates? Now adding to tensions are the recent events in Israel.
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Why Are Investors So Fearful?
If you're a fan of Warren Buffett, you'll recognize this quote: "Be fearful when others are greedy and greedy when others are fearful." In recent weeks, the investing outlook has become a bit murky, which has led some people to let...
Read MoreCyber Safety Tip: Update
Should you "Update" your computer and your programs often? Out thoughts on the topic and the Cyber Security aspect of it here.
Read MoreHow M1 Money Supply & Inflation Are Related
We have been saying this for a while now. More are starting to catch on. Sometimes, a picture tells a thousand words, and this chart of the M1 money supply certainly does just that.
Read MoreHOW THE SECURE ACT 2.0 COULD CHANGE THE WAY YOU SAVE FOR RETIREMENT
The pending legislation for the proposed retirement reform, better known as the Setting Every Community Up for Retirement Enhancement (SECURE) Act 2.0, is expected to be passed into law by the end of 2022. In March of this year, the...
Read MoreBeware Scams at Tax Time
Identity theft runs rampant during tax seasonHere’s what to know and how you can help protect yourself.Identity thieves often swipe your bank or credit card account numbers, birth date information or Social Security Number (SSN)...
Read More3 Steps to Create Healthy Habits in Your Home and Life
Habits create a domino effect; once you begin a habit and stick with it, you can see the effects of it flowing into other areas of your life, for better or worse. But what if it’s easier than you think to make the healthy...
Read MoreFive Helpful Tools for Tax Prep
Tax preparation tools and products continue to evolve even more quickly than the federal tax code itself. Which tax prep tools are worth the hype, and which may be passed over? Below we discuss five high-tech tools to help make tax...
Read MoreTax Prep Checklist: Everything You Need to Be Ready for Tax Season
Regardless of whether you prepare your taxes yourself or use a professional's services, it's a good idea to gather the information and documentation you need well in advance of your actual tax filing date. Below, we've listed some key...
Read MoreYour Financial Fresh Start: 12 Resolutions in 12 Months
Change may be difficult, especially when you try to change your financial habits. The process might be easier if you take an incremental approach. Do you want to get on top of your finances this year? Are you looking for ways to...
Read MoreFour Ways to Help Lower Your Taxes Now
The financial decisions you make between now and the end of the year can significantly impact how much taxes you will have to pay once tax day arrives. If you take action by December 31st, you can reduce your tax burden and keep more...
Read MoreGive the Gift of A LifeTime
If you ask someone their favorite part of the holiday season, giving or receiving gifts will likely be their response nine times out of ten. Gift-giving is a huge part of the holidays—it’s why there are entire days...
Read MoreOutlook 2023: Finding Balance
Through all the challenges, newfound opportunities, and every high and low we’ve experienced during the last couple of years, it’s no surprise why we might be striving for more balance. Whether it’s about the markets...
Read MoreTips to Control Frenzied Holiday Spending
Take an organized approach to holiday shopping and actually enjoy it If advertisements and commercials are beginning to feature scenes of happy families, clad in brightly colored sweaters, gathered by a fire, surrounded by an...
Read MoreA Year-End Wealth Planning Guide
As we approach the end of the year, you may want to review areas that may impact your wealth and estate planning next year. In this year-end planning guide, we examine four critical areas to consider that may affect your finances:...
Read MoreCould the Worst be Behind Us
First, we want to acknowledge the tremendous damage and displacement caused by Hurricane Ian. Our thoughts are with those impacted by this devastating storm.This has clearly been a challenging year for households. Stocks and bonds are...
Read MoreHigh Net-Worth Individuals: Are You Missing Opportunities in Your Financial Planning?
High Net-Worth executives and those that have been self-employed, can experience common problems in their financial planning journey. Often, they have missed opportunities in their financial planning because they haven’t planned...
Read MoreHow Financial Planning Can Help Prepare for LTC Costs
With the cost of long-term care (LTC) increasing year over year, considering how the costs of long-term LTC will impact your financial plan is essential. According to insurance company Genworth, the price of LTC services increased...
Read MoreThe Best Items to Help You Organize Your Finances and Important Documents
The first step to improving your finances is to get organized.These top Amazon finds can help you create a monthly budget, plan your spending, and safely store your important insurance or personal documents for easy access when...
Read MoreHigh Net-Worth Individuals: Are You Missing Opportunities in Your Financial Planning?
High Net-Worth executives and those that have been self-employed, can experience common problems in their financial planning journey. Often, they have missed opportunities in their financial planning because they haven’t planned...
Read MoreAdvantages, Challenges, and Opportunities for Businesswomen Today
Being a woman in business today comes with many obstacles, but it may also bring some unique advantages and opportunities. By navigating challenges and taking advantage of opportunities that come their way, women can go further in...
Read MoreThe Best and Worst of Times
When it comes to stock market performance, August was “the best of times, and the worst of times.” The strong market rally that peaked in mid-August was viewed by many analysts as a transition from a bear to bull market,...
Read MoreBalancing Work and Family
At one time, the typical American family looked like this: a breadwinner father who commuted a short distance to work and earned a very good living, and a stay-at-home mother who took care of the kids and family home with aplomb. Life...
Read More5 Ways to Practice Financial Self-Care
Smart self-care does not just mean spa days and movie nights: there are other therapeutic ways to reduce your mental and physical stresses, including how you manage your money. If your goal is to create healthier habits...
Read MoreWomen Have Different Financial Planning Worries
Unique health and caregiving worries and an industry that doesn’t listen well Women have special concerns about financial security that financial professionals might need to address. For one thing, they tend to live longer than...
Read More5 Common Financial Planning Challenges of Nonprofit Organizations
Many nonprofit organizations set out to help others. They provide services, guidance, support, or other resources to a specific group or cause. Yet, to do the work they do, they often need financial strength. Nonprofit organizations...
Read MoreBig Week for Market Watchers
Last week was epic for market-watchers. A Federal Reserve (Fed) rate hike, a much-anticipated gross domestic product (GDP) report, and the busiest week of earnings season got most of the headlines. There was even a surprise out of...
Read More5 Ways For Parents to Celebrate National Dollar Day
August 8th is this year's National Dollar Day and the perfect time for parents to start focusing on where their dollars are going. The history of this holiday is unknown, but it is an ideal time to set some financial goals.1 Since...
Read MoreCelebrate National Black Business Month Throughout August and Every Day
August is National Black Business Month, a time to celebrate black-owned businesses throughout the country. This celebration is a time to support black-owned business and organizations to promote economic freedom and entrepreneurship...
Read More7 Ways To Green Up Your Act As A Pet Parent
You might already bring your own shopping bags to the grocery store and put out a recycling bin of aluminum cans for curbside pickup, but do you take the same eco-friendly approach with your pet?According to a survey from the...
Read MoreEuro/Dollar Parity & Summer Travel
Summer travel is picking up this year. If you’re headed to Europe, you may notice that you get more bang for your buck.Why is that?For the first time in almost 20 years, the U.S. dollar and the euro have reached parity. Souvenirs...
Read MoreSocial Wellness: What is It and Why is it Important?
Social wellness refers to the relationships you have and how you interact with others. It involves building and maintaining positive, supportive relationships and fostering meaningful connections.If you prioritize becoming socially...
Read MoreLPL Financial Research Midyear Outlook 2022: Navigating Turbulence
Markets rarely give us clear skies, and there are always threats to watch for on the horizon, but the right preparation, context, and support can help us navigate anything that may lie ahead. So far, this year hasn’t seen a...
Read MoreLooking Forward
As the calendar has turned to July, investors would certainly like to forget the first six months of 2022. However, the Fourth of July Independence Day holiday does bring with it reason for celebration. Not only is it the 246th...
Read More5 Life Events That Impact Your Life Insurance Needs
A life insurance policy is part of financial planning. Life insurance is there to help ease the financial trauma that comes with the loss of a spouse, parent, or partner. As you encounter different events in your life, you may need to...
Read MorePre-Vacation Home Safety Tips
Vacation is something that we all look forward to, but it’s important not to forget about your home—and its safety—while you’re away. With some pre-planning, it’s easy to make sure your house is safe and...
Read More6 Tips for Small Business Owners to Promote Workplace Wellness
Work is stressful at times, and anxiety and stress among your employees may lead to performance issues and an overall lower productivity rate. By promoting wellness in the workplace, you may reduce employee burnout and make the work...
Read MoreA Bear Market is Officially Here
A bear market is officially here thanks largely to stubbornly high inflation. For many of us, it has probably felt like a bear market for a while now, but the S&P 500 Index didn’t close more than 20% below its January 3 record...
Read MoreEstate and Financial Planning Considerations for LGBTQ+ Couples
Even though same-sex marriage has been legal in the U.S. for about seven years, LGBTQ+ couples still face a few extra hurdles regarding estate planning. From family squabbles to establishing legal parenthood, here are a few...
Read MoreBull Market Hangs by a Thread
The bull market that began in March of 2020 came dangerously close to an end. From March 23, 2020 through January 3, 2022, the S&P 500 Index gained 114% (excluding dividends). From that January 3 closing high through the recent low on...
Read MorePut Your Tax Refund To Good Use With These Smart Moves
Did you get a Tax Refund this year? Why not put it to work for you? Check out these smart moves/ideas on what to do with it.....
Read MoreNational 529 College Savings Day is Approaching
Do you understand the full benefits of a 529 Plan? Want to discuss how to reduce the cost of a college education and/or how to qualify for financial aid? Here are some 529 Plan tidbits from Beacon Wealth.
Read MoreWill the GDP Report Suggest a Recession?
The recent negative GDP report has sparked concerns that the US will enter into a recession in 2022. We discuss our thoughts on this concern and whether it holds any water.
Read MoreEverything Is Better With Bacon - Even Inflation
There is a saying, " Everything is better with bacon." This holds true, even when trying to explain inflation. The buzz word of 2022!!! Inflation, Inflation, Inflation.... We will use bacon to explain inflation today.
Read MoreInvest in Your Financial Education During Financial Literacy Month
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Buyer Beware: 4 Educational Tips for National Consumer Protection Week
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What Should Small Business Owners Know About Data Privacy Obligations?
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Show Your Investors You Mean Business
Are you starting a business in 2022 and will be looking for funding from Investors? Show them you mean Business!!! One essential item is the business plan and on essential ingredient of any business plan is the financial projections it sets
Read MoreHoliday Resilience
We hope everyone enjoyed the Thanksgiving holiday with family and friends. While life has been challenging during the pandemic, we have a lot to be thankful for. At this time, we are especially grateful for COVID-19 vaccines and...
Read MoreWhat You Need to Know about Financial Fraud
Many of us grew up in a world where it was customary to be friendly, courteous, and trusting. Unfortunately, assumptions concerning these standards of conduct can sometimes get us into trouble. Con artists offering a variety of...
Read MoreHow do Black Friday and Cyber Monday retail sales affect the stock market?
What typical investors need to know We all read and hear about various special deals, “doorbusters,” price cuts, and early opening hours on Black Friday. We also read and hear about the Cyber Monday deals. These sales days...
Read More5 Tips for Shopping on Small Business Saturday
There’s no question that November and December are the biggest times of year for shopping. But this year, it’s more important than ever to shop small and benefit your community. Supporting local businesses means...
Read MoreMany Reasons to be Thankful
The past year and a half have tested all of us, but overall, the economy continues to strengthen, COVID-19 trends are greatly improving, and this still relatively young bull market is alive and well. As the leaves turn colors and begin...
Read MoreCybersecurity Awareness: What You Need to Know
October 2021 marks the 18th Cybersecurity Awareness Month—and cybercrime continues to evolve.1 Though you may not get as many emails promising bodily enhancements or asking you to keep some overseas funds in your checking account...
Read MoreThe ABC’s of Estate Planning
There is a common misconception that estate planning is something only the affluent need to do before they die. However, estate planning is important for everyone, regardless of income level or net worth. Planning for the disposition...
Read MoreFive Tips to Help You Organize Your Medical Records
If your medical records are scattered across a mishmash of different providers, cities, or even states, you may have trouble creating a comprehensive medical history when you need one. What steps can you take now to organize your...
Read MoreA Practical Financial Strategy for Seniors to Better Manage Their Retirement
Considering Retirement? Here are some Financial Strategy Tips to make retirement easy, comfortable and manageable. Sleep better at night.
Read MoreChange May Bring Opportunities
One constant in life is change. During the past year and a half, we have experienced more change than any of us bargained for. Change is disruptive—but also brings opportunities. For investors right now, there is no shortage of...
Read MoreHealthy Mind, Healthy Life
There are many things you can do to keep your brain active: going outside more, listening to classical music, or learning a new skill. As you get older, it’s imperative to take care of your mental and physical health. Both are...
Read MoreLife Insurance
Changing Times, Changing Needs When Judy purchased her life insurance policy 10 years ago, she thought her insurance planning was complete. She assumed that if she paid her premiums on time, she could sit back and not think about life...
Read MoreFinancial Considerations for Working Parents
Nine of every 10 U.S. families with children have at least one working parent.1 Though working parents make up one of the largest demographic groups in the country, they face many challenges—from the cost of childcare to...
Read MoreUnderstanding the Roth 401(k) vs. Traditional
It just might help you achieve greater financial security in retirement Unbeknownst to many investors, companies have the option of offering their employees a new different type of tax-advantaged retirement plan: the Roth 401(k). Not...
Read MoreThe Bull Market Continues
The bull market continues, with the S&P 500 Index now up seven months in a row. Stocks have impressively gained 20% year-to-date, with the S&P 500 making 53 new all-time highs before the end of August—another new record. All of...
Read MoreHow To Avoid Common Entrepreneur Mistakes
Common miscalculations that new entrepreneurs make and how to avoid them We all know that starting a business is no easy feat. However, it’s even more difficult when you’re miscalculating critical elements from the get-go....
Read MoreSRI Vs ESG: The Difference Between These Investment Strategies
If you're curious about socially responsible investing, you may have encountered all kinds of phrases about this phenomenon, including socially responsible investing (SRI), mission-related investing, sustainable investment, ethical...
Read MoreWhat Can A Financial Professional Do for Non-Profits?
As of 2017, about two-thirds of all nonprofit organizations in the U.S. had annual budgets of less than $1 million.[1] For these non-profit organizations where every penny has a purpose, having the services of a financial professional...
Read MoreWays to Support Black Business
As the call continues to come for following through on support of minority-owned businesses,[1] many are wondering how they may lend their support to black businesses. Whether through direct investment or community support, there are...
Read MoreSix Months and Counting
Six months and counting. That is the current monthly winning streak for the S&P 500 Index. To take that a step further, this key equity benchmark has posted gains in 13 of the last 16 months—dating back to the March 2020 low....
Read MoreMidyear Outlook 2021: Picking Up Speed
LPL Research Midyear Outlook 2021: Picking Up Speed is designed to help you navigate the risks and opportunities over the rest of 2021 and beyond. While the speed can be exhilarating as economic growth accelerates, it can also be...
Read MorePicking the Right Golf Partner is Not Easy
It’s not that different from picking the right financial professional Have you ever thought about what kind of golf partner best suits your game? Maybe you have an upcoming member guest or are considering joining a local...
Read MoreChanges to Medicare in 2021: What Recipients Should Know
For many people, turning 65 provides one of the keys to retirement: access to affordable healthcare. Whether you're enrolling in the Medicare program for the first time or have been a Medicare enrollee for years, it's important to stay...
Read MoreWhat is Hire a Veteran Day? And Why Is it Important?
The month of July has always held special meaning to veterans. The month is marked by the Independence Day of the country, so it seems fitting that it would be a good month to honor veterans who ensure the freedom of its citizens.[1]...
Read MoreSummer 2021 Travel Safety Tips
If we’ve learned anything from 2020, it’s that life can change at the drop of a hat. While many families had to forgo their travel plans last year, there are still plenty who are questioning whether or not a safe vacation...
Read MoreBest Ever Burger Seasonings
If you love a good burger, biting into a freshly grilled, juicy burger is one of the best parts of a summer cookout, but only if it’s made just right. To achieve the perfectly flavored burger, you’re going to need plenty of...
Read MorePicking Up Speed
In the first half of 2021, the U.S. economy powered forward faster than nearly anyone had expected. Speed can be exhilarating, but it can also be dangerous. In our view, the overall economic picture remains sound and will likely...
Read MoreHealthcare and the Sandwich Generation
Members of the "Sandwich Generation"—or adults who have at least one parent over age 65 and at least one child who still requires financial support—often find themselves torn between their dual caregiving responsibilities.1...
Read MoreAnnuities and Market Risk: What You Need to Know
Market risk is something all investors may worry about, but those close to retirement have limited time to recover from market loss. If you are within ten years of retirement, now is a critical time for your portfolio to continue to...
Read MoreA COLA with Your Social Security?
Social Security UPDATE!!! If there is a "silver lining" to all the inflation talk, it may be that Social Security benefits are expected to see a larger-than-normal increase in 2022. Preliminary estimates call for a 4.7% cost-of-living...
Read MoreBuying a Home Both You and Your Insurer Will Love
You're house hunting, and you've brought along a wish list of features that you consider important, such as a certain number of bedrooms, adequate storage, and an up-to-date kitchen. But does your list include features that will affect...
Read MoreFinancial Insights for the LGBTQ+ Community
Retirement isn’t easy for most couples, and it’s even harder for lesbian, gay, bisexual and transgender people. A modest amount of planning can go a long way to providing the financial support you need. Many LGBTQ seniors...
Read MorePRE-VACATION HOME SAFETY TIPS
Vacation is something that we all look forward to, but it’s important not to forget about your home—and its safety—while you’re away. With some pre-planning, it’s easy to make sure your house is safe and...
Read MoreGearing Up For Summer
As we move into June, a path to normalcy is coming quickly with stadiums allowing full capacity, restaurants filling up, and summer vacations in full swing. Meanwhile, the U.S. economy continues to recover remarkably quickly and the...
Read More529 Savings Plans: For Education Expenses and Estate Planning?
A 529 plan is a state-sponsored tax-advantaged plan designed for saving for future education expenses authorized by Section 529 of the Internal Revenue Code. If used for education, the assets grow tax-free. According to the College...
Read More5 Investment Considerations for Small Business Owners
If you're a small business owner, many of the best practices employed by individual investors are also available to you (of course!), but you also have some additional options and factors to weigh while creating your investment plans....
Read MoreBest Practices And Tips for Entrepreneurs and Startups
4 Business Best Practices for Beginner Entrepreneurs and Startups Embarking on a new path as an entrepreneur or business owner is often overwhelming. You have a lot to learn, you’re bursting with great ideas, and there are only...
Read MoreA Holistic Approach to Your Retirement
Retirement and financial planning should take on a holistic approach. There are two parts involved, preparing for retirement, and being in retirement stages. Both stages are equally important in your approach to how you view your mind,...
Read MoreApplying for Small Business Grants
Oh, the things you could do with free funding for your small business! And thousands of those opportunities are out there1 – like fish in the sea. Landing one of those fish requires dedication, preparation, and hard work, but...
Read MoreOut of the Shadows
As the calendar has turned to May, the popular “Sell in May and Go Away” stock market cliché is getting a lot of airtime. This is the idea that the stock market tends to be weakest between May and October (and...
Read MoreKey Considerations as You Start Receiving Social Security Benefits
As your retirement draws closer, you will probably start to have lots of questions such as: How much Social Security will I receive? When should I retire? How will I know when to retire? Do I have enough saved? What will I need to do...
Read MoreThree Key Components of Financial Literacy
Financial feats that were once unheard of—from investing in cryptocurrency to instantly paying someone through an online payment system—have now become commonplace in many parts of the country. But these sophisticated tasks...
Read MoreThree Tips for Planning Your Income in Retirement
If you've been diligently saving for your retirement, you may often find yourself wondering when you can afford to set an official retirement date. The answer to this question can often depend on how much monthly or annual income your...
Read More4 Tips For a Healthier Financial Outlook
With Public Health Week on the way,[1] it is not only time to consider your physical and mental health but also your financial health. When your financial outlook is healthier, you will be less stressed and enjoy what all your hard...
Read MoreSpring Into A Positive Outlook
“The real key to making money in stocks is not to get scared out of them.” Peter LynchThey say April showers bring May flowers. Well, after a lot of showers and storms over the past year, flowers are starting to bloom and things are...
Read MoreSix Basic Tax Planning Techniques
There are no great secrets where tax planning and tax cutting are concerned. The principles around which all tax-cutting strategies revolve can be reduced to six basics: 1. Income splitting. Taxes are reduced for the total family unit...
Read MoreTax Day for Individuals is Extended to May 17th
But ask yourself whether there is any real benefit to waiting to file your taxes The U.S. Department of the Treasury is delaying the April 15th deadline to file and pay taxes until May 17th, giving individuals and businesses another...
Read MoreTips for Tax Preparation
In 2020, the government gave taxpayers an automatic six-month extension due to the coronavirus. Individuals who were affected by the damaging wildfires were also given additional time to meet most tax deadlines. However, in 2021, the...
Read MoreHow Financial Asset Management May Help Investors Stay the Course
Most people who decide to purchase stocks, bonds, mutual funds, or other investment vehicles do so understanding that there are risks associated with investing, but believing that the potential growth they may realize over time...
Read MoreSpring Clean Your Finances
As temperatures warm up, trees begin budding, and the days get longer, you probably throw open your windows and think about spring cleaning your home. As you tackle washing windows, cleaning carpets, and sorting out the garage,...
Read MoreMarch Madness, Cinderella & Your Portfolio
Sports metaphors and investing are natural pairs. A good way to look at portfolio management is the NCAA March Madness tournament. As with basketball, you should pick the top-ranked contestants, but also be flexible since things change...
Read MoreHow to Use March Madness to Improve Workplace Culture
As March Madness grips sports fans around the country, workers throughout all kinds of industries join betting pools, talk about their predictions, and spend hours watching the games. All these distractions can compromise workplace...
Read MoreThe Return of Normal is Approaching
It’s now been over a year since COVID-19 first hit American shores. While the pandemic has affected everyone to varying degrees, we can all agree that everyone’s life is different today than it was a year ago. It’s...
Read More4 Tips to Successful Networking
Networking may help you find opportunities that you may not be able to find on your own. It is important during a job search and during your career, since it may help connect you with future employment, customers, or vendors. Even one...
Read MoreManaging Caregivers Stress
With more and more seniors aging in place, the rise in caregivers who are not health professionals has begun to increase as well. Informal caregivers may find that their work is rewarding, since they ensure that their loved one is...
Read MoreLost Your Job? How to Stay Financially Afloat!!!
How to Stay Afloat Financially When You've Lost Your Job If you are out of work at the moment, you aren't alone. As of October 2020, the U.S. employment rate was 6.9%, nearly double what it had been in February of the same year. A lack...
Read MoreDo You Have an Estate Plan?
Talking about the end of life or possible tragic events is not something people naturally want to do, but it is important. To have your wishes honored and to create a plan to make the transition easier for those left, these plans need...
Read MoreStay the Course
“In the short-term, the market is a popularity contest. In the long-term, the market is a weighing machine.” Warren Buffett 2021 is under way, as our nation and the rest of the world look to begin to put the global pandemic...
Read MoreThe Different Components of Car Insurance
Whether buying car insurance for the first time or reviewing your current policy, consumers need to understand the different types of automobile insurance coverage. Auto insurance policies consist of a variety of different elements,...
Read MoreInvesting for the Future
For years, you’ve diligently invested in your retirement portfolio, accumulating wealth that you hope will sustain you throughout your Golden Years. To help see that your assets are sufficient to help you support your lifestyle...
Read MoreTax Identity Theft Awareness - Protecting Yourself from Tax Identity Theft
Tax identity theft is when someone steals your Social Security Number, files a tax return with your number, and directs a refund to their own bank account. In other cases, this type of identity theft may involve a scam artist calling...
Read MoreThe Importance of Financial Wellness
Financial wellness, like physical wellness, isn’t something you should ignore. Instead, it's a critical concept for anyone who wants to be knowledgeable and confident about their finances, and in fact, financial wellness is so...
Read More2021 Brings a Fresh Start
Happy New Year! A new year offers a welcomed turn of the calendar and a fresh start. However, it’s difficult to put 2020 completely behind us just yet because the COVID-19 pandemic still presents a significant threat. Healthcare...
Read MoreTips for Organizing Your Financial Documents
In an increasingly paper-free society, organizing your financial documents can still be a challenge. No matter how simple or complex your financial picture might be, it takes some thought-out organization to keep your tax documents,...
Read MoreHow to Structure Charitable Giving Throughout Your Lifetime
Charitable giving is a way for affluent individuals spread their money around and to benefit causes that are near and dear to their hearts. Yet, for those who fall into the high net worth category, it is critical to structure...
Read MoreHow the Winter Solstice Can Impact Your Budget
Last year, the average American spent nearly $1,000 per person on holiday gifts, up from about $885 per person in 2018.1 Though the COVID-19 pandemic continues to weigh on the retail sector (and many Americans' bank accounts), some...
Read MoreIRS Makes Annual Inflation Adjustments for 2021
Adjustments for deductions, tax rate schedules and 60 other tax provisions The Internal Revenue Service announced annual inflation adjustments for the 2021 tax year for more than 60 tax provisions, including standard deductions and the...
Read MoreOutlook 2021: Powering Forward
2020 has been a tumultuous year, and as we near its close, we are pleased to present Outlook 2021: Powering Forward, which outlines our views on markets, the economy, and policy into 2021 and beyond.
Read MoreCharitable Giving and Donating Toys
As the holidays approach, many children start to make wish lists, but unfortunately, not all children have someone to give them gifts. Luckily, there are many charities that help get holiday gifts and joy to children. If you're...
Read MoreOutlook for 2021
Dear Valued Investor: As 2020 comes to a close, we are already looking forward to a new year—and to a world very different from the one we’re leaving behind. Areas of the economy have been damaged and may never fully...
Read MoreThe Origins of Thanksgiving
Thanksgiving is one of the most widely celebrated holidays in both the U.S. and Canada with the purpose of celebrating the blessings of the past year. It is known as one of the busiest travel holidays of the year and in the U.S is most...
Read MoreAppropriate Checklists for Year-End Tax Planning
What are appropriate checklists for year-end tax planning? Tax planners often develop checklists to guide taxpayers toward year-end strategies that might help reduce taxes. Typically, suggestions are grouped into several different...
Read MoreWhat Should Women Entrepreneurs Do to Thrive in the COVID Era?
With COVID rocking the employment landscape for job-seekers, some women have taken this opportunity to reinvent themselves and take charge of their own financial futures by launching a business. Entrepreneurship is one of the most...
Read MoreElection Clarity for the Markets
November 9, 2020 Dear Valued Investor: Former Vice President Joe Biden has been elected the 46th President of the United States, defeating President Donald Trump in a tight race and bringing an end to the highly contested 2020 election...
Read MoreYear-End Tax Planning
As the end of the year approaches, it's time to consider strategies that could help you reduce your tax bill. But most tax tips, suggestions, and strategies are of little practical help without a good understanding of your current tax...
Read MoreElection 2020 is Undecided
November 4, 2020 Dear Valued Investor: The American people have voted, casting a record number of ballots under extraordinary circumstances, which is a testament to the enduring resilience of our democracy. Determining the outcome of...
Read More6 Essential Tips for Retirement Planning
Retirement planning is all about the future, your future. Whether you are classified as a millennial, Gen Xers, women, or you are in your 40s-50s, retirement planning is a must. The key to successful retirement planning is starting...
Read More4 Strategies To A Financially Stable Disability
4 Ways to a Financially Stable and Healthy Future When You Have a Disability Financial planning for the future can be a challenging undertaking, but it’s particularly complex for people with disabilities. However, this becomes...
Read MoreWhat to Know About Working With a Financial Professional
If you've been wondering how to optimize your finances and ensure your money continues to work for you, a financial professional may be able to help. But the thought of turning over your most sensitive financial information to a...
Read MoreSigns of Strength in the Economy
Dear Valued Investor: Autumn has arrived, with students back in school, baseball playoffs beginning, and football in full swing. Life is trying to get back to as normal as possible despite the ongoing impact from COVID-19. While the...
Read MoreSmart Investing to Reduce the Bite of Taxes
Three things to look for when buying an index fund or ETF As tax season comes to a close, you realize exactly how much you paid in taxes and naturally will ask the question, “what can I do to reduce my taxes next year?” The...
Read MoreHow to Help Aging Parents
Financial capacity – the ability to manage your finances in your own best interest – involves everything from paying bills to reading a brokerage statement and weighing an investment's potential risks and rewards. And...
Read MoreBack to School in a New Way
Dear Valued Investor: Back to school this year will be different. On the one hand, like other years, it marks the end of summer, the arrival of cooler weather, kids hitting the books again, and Labor Day gatherings. But unlike other...
Read MoreThree Steps to Build Your Savings
The fallout of the COVID-19 pandemic has made the need for a healthy savings account clearer than ever. Even before the pandemic, the U.S. Federal Reserve estimated that nearly 40 percent of Americans didn't have enough set aside to...
Read MoreHow to Make Savings Last Longer in Retirement
Whether you dream of a travel-filled retirement or would prefer to relax and enjoy spending more time at home, you're probably wondering what you can do to make your golden years as stress-free as possible. For many who have spent the...
Read MorePositive Territory
The battle versus COVID-19 continues. The spread in some of the recent hotspots like California and Florida is slowing, while states in the Northeast and Midwest are now experiencing increases in cases. According to the World Health...
Read More401k Planning: 5 Questions to Ask
When was the last time you took steps to optimize your 401k? If it's been a while, you're not alone. Research indicates that only one in three Americans utilize employer-sponsored 401k retirement accounts; even those who are...
Read More6 Tips for Wealth & Sanity
And the most important tip of all? Hire a financial professional. Investing can be stressful, but it doesn’t have to be. If you have a portfolio that was built for you and use the help of a financial professional, you...
Read MorePaying for College and the Impact of COVID-19
With the coronavirus shutting done educational institutions and moving classes online, the face of education across the country has changed. While the focus has been primarily on completing the educational requirements to get K through...
Read MoreWeekly Market Commentary
July 20, 2020 The Markets Is the United States economy recovering or faltering? It depends on who you ask and which data you consider. For example, last week, the Department of Labor reported fewer people applied for first-time...
Read MoreUsing Trusts to Manage Wealth: What Investors Should Know
Whether you manage a trust for someone else, are the beneficiary of a trust, or are thinking of creating a trust, you probably have some questions about the "best practices" of trust management. A well-managed trust can help preserve...
Read MoreWhat to Know About New York’s Paid Sick Leave Benefits for COVID-19
The COVID-19 pandemic has spread throughout all 50 states, but perhaps none is harder hit than New York. In response to the exponentially increasing number of COVID-19 cases, on March 18, 2020, Governor Andrew Cuomo signed a bill...
Read MoreThe Sandwich Generation: Juggling Family Responsibilities
At a time when your career is reaching a peak and you are looking ahead to your own retirement, you may find yourself in the position of having to help your children with college expenses while at the same time looking after the needs...
Read MoreA Letter to Clients: July 2020
Dear Valued Investor: The July Fourth holiday will be very different this year. Although it’s a time to enjoy family and friends, and maybe even watch some fireworks, social distancing and a new wave of COVID-19 cases also may...
Read MoreWhy More Companies are Going Dog Friendly
Bringing pet dogs into the workplace is becoming increasingly common. Large companies like Google, Ticketmaster and challenger bank Monzo are just a few that have joined companies in the pet sector (like Pets at Home) that allow...
Read MoreCoping With Market Volatility in Uncertain Times
As the United States desperately tries to flatten the contagion curve for the coronavirus, many state governors have mandated the closure of an unprecedented number of businesses and issued stay-at-home orders to their citizens. The...
Read MoreFinancial Insights for the LGBTQ+ Community
Retirement isn’t easy for most couples, and it’s even harder for lesbian, gay, bisexual and transgender people. A modest amount of planning can go a long way to providing the financial support you need. Many LGBTQ seniors...
Read MoreLooking Forward
Dear Valued Investor: As we look ahead to the summer months, we can’t help but think what a challenging year it’s been so far. At the same time, we’re encouraged by the resiliency and accelerated innovation among US...
Read MoreBetter Times Are Coming
Dear Valued Investor: “Never confuse a single defeat with a final defeat.” — F. Scott Fitzgerald The economic struggles in our country are among the worst we’ve ever seen. In April, a record 20 million people...
Read MoreWhat Do You Really Know About Bear Markets?
The Coronavirus Bear kicked the 11-year bull off of Wall Street very fast A “bear market” occurs when stock prices in general are falling, and then widespread pessimism sustains the continued drop in prices. The stock...
Read MoreLife and Finances in a Pandemic World
Life and Finances in a Pandemic World Life as we know it has changed dramatically during 2020. As the coronavirus spread across the United States, cities and states issued shelter-in-place orders to slow the spread of the coronavirus...
Read MoreThe Inflationary Impact of COVID-19 Stimulus
Should you worry about inflation, deflation, hyperinflation, or stagflation? The coronavirus outbreak, which was first detected in China, has infected millions of people in hundreds of countries and has left global governments,...
Read MoreHats Off to Public Service Workers During the Coronavirus
While many people have been furloughed and others are working from home, public service workers have continued to show up at work every day as the coronavirus spreads through the United States. During Public Service Recognition Week...
Read MoreCOVID-19 Returning to the Workplace Checklist
As states, localities and health officials begin to set parameters around reopening businesses, bringing your employees back onsite successfully will not be as simple as flipping a switch. Every company is unique—some have...
Read MoreHow We Respond Matters
Dear Valued Investor: “Life is 10% what happens to you and 90% how you respond to it.” — Lou Holtz, Hall of Fame football coach As the battle against the COVID-19 pandemic continues, how we respond to it will...
Read MoreWorking in an Essential Position? How to Cope with Coronavirus Stress
The coronavirus crisis has temporarily shuttered entire industries, closing many businesses deemed "non-essential" until the peak of the illness curve has passed. But while some businesses have closed until further notice, others are...
Read MoreSmall Business Owners Guide to the CARES Act
As part of the Coronavirus Aid, Relief, and Economic Security (CARES) Act, the government has funded a number of initiatives to help small businesses. As you navigate this difficult time, you may want to look into the following...
Read More7 Tips to Help You Stay Productive at Home
With the rapid spreading of COVID-19, and more and more people either on self-quarantine or practicing social distancing, many of us are working from home. While working from home definitely has its perks – no commute! –...
Read MoreA Letter to Our Clients
Dear Valued Investor: The world continues its battle to contain the COVID-19 pandemic, which now has likely impacted, either directly or indirectly, nearly every person on Earth. This is far more than just a health crisis—this is...
Read MoreThe First Steps To Improving Your Financial Security
With everything going on right now, many people are feeling insecure about their financial picture. Financial Security takes time. It doesn't happen overnight and is a multi-step process. So lets talk about the first steps.....
Read MoreA Clear Vision of Financial Goals
Dear Valued Investor: Our everyday lives have changed dramatically over the last few weeks as we work together to minimize the impact of the COVID-19 pandemic. We know these efforts are necessary, but they also have come at a cost....
Read MoreIncome Inequality and Its Impact on Women's Retirement
Here are the facts. Generally speaking, women earn less than men, live longer than men, and often take time out of the workforce to have children and/or to care for an aging parent or sick loved one. The potential consequence of these...
Read MorePlan Ahead to Ease Travel Headaches
Waiting in a winding airport security checkpoint line is just one of many potential headaches today's travelers experience. Worrying about what to pack, what kind of identification is required, and how much cash to bring are yet others...
Read MoreCoronavirus Market Update: March 2020
March 9, 2020 Dear Valued Investor: The tough times that global markets were experiencing due to the spread of COVID-19 (coronavirus) worsened this past weekend as a price war between Saudi Arabia and Russia resulted in sharply...
Read MoreThe Sandwich Generation: Juggling Family Responsibilities
At a time when your career is reaching a peak and you are looking ahead to your own retirement, you may find yourself in the position of having to help your children with college expenses while at the same time looking after the needs...
Read MoreA Letter to Clients: March 2020
Dear Valued Investor: It’s been a tough week. The number of coronavirus cases have continued to increase globally, and new cases have been confirmed in the United States. Countries are making progress with containment, but those...
Read MoreCorona Virus Basics- 101
We have heard so much about the Corona Virus and its impact. But what is it really? Here are the basics.
Read MoreFamily Business—Laying the Groundwork for Potential Success
Is your growing business still a one-person operation? As your company continues to grow and the workload increases, it is easy to find yourself wearing too many hats and not having enough hours in the day to accomplish everything that...
Read MoreMarch Madness, Cinderella & Your Portfolio
You should pick investments (and teams) so you win most of your games Sports metaphors and investing are natural pairs. A good way to look at portfolio management is the NCAA March Madness tournament. As with basketball, you should...
Read MoreA Letter to Clients: The Coronavirus
Monday was a tough day in the stock market, with the S&P 500 Index down more than 3% as the number of coronavirus cases reported outside of China jumped. Monday’s losses reversed all of this year’s gains so far for the S&P...
Read MoreWhat Is a 403(b) plan?
In 1958, the Internal Revenue Service (IRS) created 403(b) plans to encourage employees of certain organizations to begin saving for retirement. Organizations eligible for participation in these plans are those “organized and...
Read MoreHelping to Care for Aging Parents
Many adults are finding that their aging parents are in need of health care assistance. Luckily, there are many options available today to help your parents grow old gracefully, either in their own home or in a facility, and several...
Read MoreFinancial Planning Tips for Small Business Owners
When you're a small business owner, you need to pay extra careful attention to both your business and personal finances. Your financial planning strategies should simultaneously encourage the success of your business while also...
Read More10 Ways the SECURE Act Will Impact Your Retirement Savings
With the decline of traditional pensions, most of us are now responsible for squirrelling away money for our own retirement. In today's do-it-yourself retirement savings world, we rely largely on 401(k) plans and IRAs. However, there...
Read MoreAre Yields Near a Bottom?
Economic Blog The 10-year U.S. Treasury yield moved to within .05% of its recent low on Friday, January 31, approaching the 1.47% mark set back in August 2019. Prospects of stabilizing global growth and progress on trade encouraged...
Read MoreEstate Planning Checklist
Because you've worked hard to create a secure and comfortable lifestyle for your family and loved ones, you'll want to ensure that you have a sound financial plan that includes trust and estate planning. With some forethought, you may...
Read MoreViral Outbreak Ends Period of Market Calm
Market Blog Fears that the deadly coronavirus would spread further around the globe intensified Monday and led to the biggest one-day drop in the S&P 500 Index since October 8, 2019. In fact, it was the first time the index moved 1%...
Read More5 Money Saving Financial Planning Tips For New Parents
Have you ever gotten the financial cold feet when you learned you were having a baby? Thought you were in a good place until that day. Well here are 5 simple and general financial planning tips to help save money....
Read More3 Top Reasons Why Children Bring Life Changing Considerations For Parents
Financial planning for yourself and your spouse has been a success so far. But now, the two of you are ready to have children, which means you will become financially responsible for another person. Start saving.
Read MoreWays To Maintain A Good Credit Rating
Today’s American way of financial life relies on debt as a way of solidifying a desired lifestyle. Therefore, it is important to establish a good credit history if you intend on making more substantial, debt-financed purchases in the future
Read MoreWhat Is A Municipal Bond?
Often times, clients ask how can I invest money on a tax favorable basis? For now, let's assume they are already contributing to a 401k, an IRA or a Roth. My immediate response if typically, " Well, let's talk Municipal Bonds. " First...
Read MoreLPL Research Mid-Year Outlook 2019: Fundamental. How to Focus on What Matters Most
July 10th 2019, We are pleased to announce the release of the LPL Research Midyear Outlook 2019: FUNDAMENTAL: How to Focus on What Really Matters in the Markets, with investment insights and market guidance through the end of 2019....
Read MoreOut of Revolution, A New Nation Was Born
On July 4, 1776, the American colonies banded together and declared independence from Great Britain. The countries had been at war for more than a year due to a number of issues, particularly in regards to harsh taxation and a lack of...
Read MoreLife, Liberty and Tax-Advantaged Opportunities
Life, Liberty, and Tax-Advantaged Opportunities Americans are passionate about taxes. We have reason to be. In recent years, Americans have spent more on taxes than on food, clothing, and housing combined.1The Tax Foundationestimates...
Read MoreChanging Job's, Changing Budgets, Financial Tips For Professional Women
Click Here To Download This Article.... Changing Jobs, Changing Budgets: Financial Tips for Professional Women Changing careers — or even looking for a new jobin the same field — can be a huge challenge for many women,...
Read MoreEmployers Finding That Goldilocks Retirement Plan
Finding the ‘Goldilocks’ Retirement Plan Where do you set aside the money you’re saving for retirement? If you’re like many Americans, you save for retirement primarily through an employer’s retirement...
Read MoreAdvisors Magazine Publishing- Man vs Machine
Did you know our very own Anthony M Calabrese was published in the January edition of Advisor's Magazine? Check out the article here!! Advisors Magazine Article Link Man and Machine: Hybrid advising model benefits investors A...
Read More5 Money Rules To Live By
Five Money Rules to Live By Evergreen principles for finding financial balance It’s not simply a matter of working harder; it’s much more about using your non-financial skills and talents in new ways to bring you prosperity...
Read More7 Reasons Why A Roth IRA May Be Good
7 Reasons a Roth IRA May Be a Good Idea for You or Someone You Love It’s almost tax time. During April, many people take advantage of the opportunity to reduce taxes by funding a Traditional IRA. While that makes sense for some...
Read MoreClean Up Your Finances & Reach Your Goals - Simple Steps
Clean Up Your Finances & Reach Your Goals - A Few Simple Starter Steps Eighty percent of people ages 30-54 believe they will not have enough money put away for retirement, according to Statistic Brain. Have you thought about your...
Read MoreBeacon Wealth and LPL Research's Outlook 2019 : Fundamental - How To Focus On What Matter's Most
Beacon Wealth and LPL Research's Outlook 2019 : Fundamental - How To Focus On What Matter's Most In The Markets LPL Research Outlook 2019: FUNDAMENTAL: How to Focus on What Really Matters in the Markets is filled with investment...
Read MoreReminder/Repost - Beacon Wealth's New Digital Advisor Platform Is Live!
Beacon Wealth Management Group Now OFFERS ADVISOR-ENHANCED DIGITAL INVESTMENT PLATFORM We are pleased to now offer an advisor-enhanced digital platform designed to enhance the investor experience. The online investment platform was...
Read MoreAre You A Subscriber? Subscriptions Rule Our World!
Are You a Subscriber? In the olden days, the word ‘subscription’ typically was applied to just magazines and newspapers. Today, that’s not the case. Americans are buying everything from meal kits to baby products to...
Read MoreLeaving Your Company? Know Your Retirement Plan Options
Your retirement plan may offer you several options for managing your retirement plan assets when you change jobs or retire. Understanding these choices will help you narrow down your choices. Your Options Following are the options that...
Read MoreThe LPL Research 2018 Mid Year Outlook
Presenting the LPL Research Midyear Outlook 2018: The Plot Thickens, packed with investment insights and market analysis to guide you through all the action we may see in the year ahead. When we as investors began 2018, we were tuned...
Read MoreHow To Prepare For A Changing Bond Market
Currently the Bond Market is realizing a changing of the guard. For the past 30 years it has been quite a nice ride, but is all that about to change? Is your portfolio prepared for whats to come? Find out our thoughts here!!!
Read MoreRandom Thoughts: Who Is Sitting At Your Table?
Who Is Sitting At Your Table? Who is sitting at the table in your head? We all face obstacles that at times seem hard to overcome. Who do you turn to? Recently, Rabbi Benjamin Scolnic gave a sermon about this topic. Below are some of...
Read MoreBeacon Opens Their Guided Wealth Portfolio's
Are you children saving for their future? Did they make money this summer? Do you realize that time is the MOST important factor within investing? What if there was a program that can assist. your children in saving for future security...
Read MoreLPL Research Market Outlook 2018: A Return of The Business Cycle
Presenting the LPL Research Outlook 2018: Return of the Business Cycle, packed with investment insights and market analysis to guide you through all the action we may see in the year ahead. “Return of the business cycle”...
Read More8 Smart Shopping Tips This Holiday Season
A nancially secure retirement involves more than building a substantial nest egg. To maximize each dollar, it also requires adapting long-time spending habits to a retiree’s new way of life. Adjusting to this new normal...
Read MoreWhat Can Squirrels Teach Us About Saving?
What Can Squirrels Teach Us About Saving? They’re smart and adaptable, and they plan Darwin said that organisms donít need to be the smartest to survive, they need to be the most adaptable. Gray squirrels are a double...
Read More5 Life Insurance Beneficiary Pitfalls- What Not To Do!
September is Life Insurance Awareness Month! In the spirit of the month and being that Life Insurance is the foundation to any sound Financial Plan, we thought it pertinent to advise you of what NOT to do with Beneficiary selections......
Read MoreBeacon Wealth and LPL Research's Midyear Outlook 2017: A Shift In Market Control
The LPL Research Midyear Outlook: A Shift In Market Control states the following four themes may be key to the markets over the balance of 2017: Monetary policy: Slow path to normalization. Maintaining economic growth without...
Read MoreAnthony M Calabrese Tabbed A 2017 NJ Monthly Five Star Wealth Manager
We are VERY EXCITED and PLEASED to announce that: Anthony M Calabrese CFP ® PPC ™ has recently been tabbed as a 2017 New Jersey Five Star Wealth Manager. Amongst all of his other accolades and accomplishes, Your Beacon...
Read MoreSuperSize Me: A Way To Fatten Up Your Retirement Savings
SuperSize Me: A Strategy To Fatten Up Your Retirement Savings Supersize Me: Here’s a Way to Fatten Up Your Retirement Savings Wouldn’t it be something if you could plump up your retirement savings as easily as you can put...
Read MoreRemember The Fallen and Those That Served
Remember the Fallen Memorial Day is a day to pay our respects to Americans who have fallen serving in American Wars. Offering your respect can be done in many ways and here are just a few to consider: 1. Fly your American flag at...
Read MoreAm I Too Old to take out a Long Term Care Insurance Policy?
It’s Time to Talk About Aging We are all, inexorably, marching toward old age. By 2030, 72 million Americans will be age 65 or older.1 The good news is longevity has been improving, and people are remaining healthy and vibrant at...
Read MoreRetiring Or Changing Jobs?
Retiring or Changing Jobs? Here are a few tips on how to keep your 401(k) working for you As more workers plan to continue working later in life, at more organizations, the ability to preserve their nest egg and keep it growing when...
Read MoreShrimp and Snap Pea Shumai
A Snack on the Silk Road During the Song Dynasty (960 to 1279), shumai, a type of Chinese dumpling, was a common offering in teahouses along the Silk Road. It was part of the multi-course meal that became known as dim sum.3 A concept...
Read MoreLPL Research's 2017 Economic and Investment Forecast: Gauging Market Milestones
2017 LPL Research Outlook: Gauging Market Milestones Download LPL Research Outlook 2017: Gauging Market Milestones here... As the New Year kicks off, we are mindful of market milestones that have come together to influence the...
Read MoreLPL Research's 2017 Economic and Investment Forecast: Gauging Market Milestones
2017 LPL Research Outlook: Gauging Market Milestones Download LPL Research Outlook 2017: Gauging Market Milestones here... As the New Year kicks off, we are mindful of market milestones that have come together to influence the...
Read MorePost Election 2016
November 9, 2016 Dear Valued Investor: Donald Trump has completed his landmark quest and will become the nation’s 45th President after a contentious and often divisive campaign. In addition, the Republican Party has retained...
Read MoreBaby Boom Generation/The New Longevity Market
What’s New in the Longevity Market? You may not have heard of the Longevity Market but, if you’re older than 50, you’re one of its 74.9 million members.1 It may be easiest to think of the Longevity Market as another...
Read MoreDid You Protect Those That Matter Most This September?
September, although has come and is just about gone, is Life Insurance Awareness Month, "Have You Protected Those That Matter Most?" If Not, there is still time. Contact Us for a no cost no obligation consultation and feel free to...
Read MoreBeware of IRS Phone Scammers
This is speaking from Personal Experience. I received one of these calls about 2 months ago. BEWARE. Beware Scammers Claiming to Be the IRS If you receive a voice or email message from the Internal Revenue Service (IRS), or you field a...
Read MoreMid-Year Outlook 2016: A Vote Of Confidence
As we embark on the second half of 2016, the headlines and much of our attention will be focused on the 2016 presidential election, which can distract us with the barrage of promises and heightened political drama. Against that...
Read MoreWhen Your Children Leave Home, Will You Save More For Retirement?
When Your Children Leave Home, Will You Save More for Retirement? You may be asking yourself whether that’s a trick question. After all, almost one-third of 18- to 34-year-olds are still living at home with their parents. It is,...
Read MoreBritain Is Leaving The EU
The world's stock markets are taking it on the chin the past couple of days. In a Global market sell-off, but international and domestic markets were rocked late Thursday evening as the results poured in for the UK's referendum on...
Read MoreSunday May 29th is National College Savings 529 Plan Day- Who's Paying for College?
Paying for College While your high school student is taking standardized tests, parsing college choices, and raring for graduation, you’ll probably find yourself spending some time with net income calculators on college websites....
Read MoreWhat Happen's To the Stock Market During Election Years- Do You Know
Stock Markets and Election Years Super Bowl winners, the length of hemlines, and Sports Illustrated covers – all of these have been used to develop theories about the direction in which stock markets may be headed. Presidential...
Read More10 Cornerstones of Asset Allocation
The Ten Cornerstone Principles of Asset Allocation Principles can be described as the beginning, the foundation, the source, or the essence upon which things build and expand. They are important in investing because they bring...
Read MoreGifting Roth IRA's to Loved Ones!
7 Reasons a Roth IRA May Be a Good Idea for You or Someone You Love It’s almost tax time. During April, many people take advantage of the opportunity to reduce taxes by funding a Traditional IRA. While that makes sense for some...
Read MoreVolatility Resurfaces Old Questions: Can I Time the Market?
Time, Not Timing, Is the Key to Long-term Success It’s not getting in and out of the market — it’s adhering to a sensible investment strategy over time When the markets undergo stress, some investors worry that their...
Read More2016 Medicare Part B Updates
LifeStyle Newsletter First Quarter 2016 Understanding 2016’s Higher Medicare Part B Premiums One-in-seven Medicare enrollees will pay higher Medicare Part B monthly premiums during 2016. Their premiums will be $121.80 each month, an...
Read MoreInterest Rate Increase Update, The New Year and The Markets
Dear Valued Investor: The events of Mid December bring one word to mind: finally. Earlier today, the Federal Reserve (Fed) finally raised the target for the federal funds rate by 0.25%. By raising this key overnight borrowing rate, the...
Read MoreRecent Social Security Changes- How Does It Affect You?
Social Security Claim Changes There’s been lots of coverage in the news the past couple weeks about changes to Social Security claiming strategies, so we’d like to share a few key highlights about what’s changed and how it may affect...
Read MoreNavigating Medicare and Medigap Insurance
Navigating Medicare and Medigap Insurance. Article: Most adults become eligible for Medicare on the first day of the month they turn age 65. Whether you need to sign up, and how to go about doing so, depends on the type of coverage...
Read MoreCan You Afford Early Retirement?
Description:Thinking about early retirement? Here are some of the things you should look at closely.As a reminder, advisors using and customizing pre-approved materials must read and adhere to the policies found in section 15.26.3 of...
Read MoreIt's a Big, Open Road in Your 20s: Find the On-Ramp to Financial Independence
It's a Big, Open Road in Your 20s: Find the On-Ramp to Financial IndependenceIn your 20s, the Horizon seems limitless. You're in your first grown-up job, making a regular paycheck. You may be tempted to spend it on fun stuff. But here...
Read MoreMidyear Outlook 2015: Some Assembly Required
Few things can dampen the excitement of seeing the delivery of a long-awaited package on the porch than three words--"some assembly required." Whether it is navigating the confusing instruction manual, sweating through the complicated...
Read MoreThe Future is Almost Here!- Home Automation
Before you know it - thanks to smart phones, tablets, and wireless technology - your home will be connected to the Internet of Things. Sure, home automation costs a few shekels, but just imagine it! You could be the envy of Jane Jetson...
Read MoreCyber Security...Are you Protected?
Article:While securing your internal business systems and processes against online fraud is critical for small businesses, it is equally important to put safeguards in place when doing business externally with banks and other vendors....
Read MoreWhen Do You Eat Miso Soup?
When Do You Eat Miso Soup?If you're eating Miso soup in Japan, you're probably having breakfast. If you're enjoying Miso soup at lunch or dinnertime, then you're probably in the United States. If you have never eaten Miso soup, you're...
Read MoreJust Breathe - The Benefits of Meditation
There is a reason why many people try meditation and few stick with it: Mastering meditation is difficult. It requires you to focus 100 percent of your attention for an extended period of time. Anyone who has tried to focus all of...
Read More2015 IRA/Retirement Plan Updates
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Read MoreTricks or Treats- Halloween
In the spirit of Halloween......Here’s a treat: $7.4 billion. That’s the amount Americans will spend on Halloween this year. We’ll buy candy to give out, pumpkins to carve, tickets to explore haunted houses, food and drink for parties...
Read MoreLabor Day 2014- Brief History of the Labor Movement
Please enjoy summer's last long weekend. Stay Safe from BWMG. A Brief History of the Labor MovementAnd now.....According to History.com, early trade unionism “…harbored a conception of the just society, deriving from the Ricardian...
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