Christmas is a time of great joy and celebration. With holiday parties, shopping, and family events filling up the calendar, it may also be a busy time for many. Whether you’ve already finished your Christmas shopping or are just getting started, I encourage you to set aside some time for year-end financial strategies.

For most, it is difficult to think about the possibility of needing long-term care. But many will need it. Start the discussion and prepare yourself now so you do not face a financial challenge later.

The latest data breach may have you worried about your personal information. Learn about a simple step you can take to protect your identity today.

The need for long-term care is a reality that is best planned for.

Approximately half of people turning age 65 will require some type of paid long-term care in their lifetimes, according to Morningstar.

The National Council on Aging recently shared a story about a scammer who targeted a homeowner in Massachusetts.

Fall is an ideal time to examine your financial health and update your financial strategies. Here is a list of important things to review that might make a difference in your year-end review and plans for next year. Check all that apply. If you have any questions or concerns, I will be happy to go over these items with you and discuss possible scenarios for 2023 and 2024. Call to schedule a review.

Medicare and health insurance open enrollment starts on October 15th. To help you find the best coverage for your money, here’s a step-by-step checklist of health care items to review annually.

A single person age 65 in 2023 may need about $157,500 saved after taxes to cover health care expenses in retirement, according to Fidelity. In 2023, their estimate for an average retired couple aged 65 is around $315,000.

Some parents are obsessed with getting their children into top-ranked schools no matter the cost. You can save a lot of money by understanding what truly leads to the best outcomes for your children.

Getting prepared for college can be both exciting and overwhelming for a high school senior. What might your goal-oriented peers do that will help them succeed as they set out on a new path?

There is no shortage of tricks that scammers will use to deceive the elderly. Some will use deceitful emails and texts that encourage you to redirect to their fraudulent websites. Others may impersonate loved ones, requesting financial assistance.

Nobody looks forward to discussing finances and elder care with their parents, but every family needs to do it. These tips will help you start the conversation now and get a plan in place before you urgently need it.

While many find it anxiety-provoking to think about, creating a legally binding plan to distribute your assets after your death ultimately provides you with confidence. You can rest easy knowing that your wishes will be carried out as you have requested.

An untrustworthy executor can foil even the most well-designed estate plan. Use these guidelines to select a reliable executor—one who will assure that assets pass to their rightful heirs.

High earner? Think your retirement portfolio is your most valuable asset? Surprisingly - it’s not!
And if it’s not protected, a lot is at risk: your home, your family, your future. This complimentary guide lays out what you need to know in just a few pages. Just click to read instantly!

We plan for retirement because we know that we may not want to work forever. An artificial retirement age set by our employer may limit our options. Health issues may also dictate when we decide to retire.

Worried about having enough saved for retirement? Here’s a simple approach: work just a few years longer. By accumulating more savings and shortening your withdrawal period, you’ll reduce the lump sum needed to generate the necessary income at retirement.

Have you ever reflected on the foundation of the financial system? What comes to mind? Banks, investors, the stock market, the bond market, or the credit markets? That’s partially true.

Market volatility can feel like pure chaos. When markets crash, we can feel panic and stress at the possibility of losing money. This is natural - but there’s a better way. When market dips happen, savvy investors see opportunity. In this complimentary guide, you’ll learn how to turn panic into excitement when markets drop, and where to find these interesting opportunities “hiding” within the chaos. Check it out!

Those “How much do you know about Social Security?” quizzes you see online are fun and interesting, but the bigger questions you should be asking are those that can help you get the most out of the program.

Worried about a looming recession? Even the thought of a potential recession can change how we make decisions and how we feel as we go about our daily lives. But, Rochester friends, recessions are storms that CAN be weathered. Discover 6 strategies that equip you to look ahead without indecision or anxiety in the face of a recession.

If you are wealthy and reaching your distribution phase, your high-balance retirement accounts can create some burdensome tax situations, particularly when it comes to legacy planning. Here are five potential pitfalls you should be aware of.

Do you have the strategies you need to thrive — not just survive — in a recession? We prepare for floods, fires, and earthquakes, but emergency preparedness can also encompass tools and a plan for when recession hits. Discover opportunities and potential pitfalls in our Complimentary guide: Your Best Recession Yet? 3 Hidden Opportunities & Costly Mistakes. Check it out now!

The IRS announced that January 23 was the start of the 2023 tax season—or the date the IRS began accepting 2022 tax year returns.

If you have yet to file, most taxpayers have until Tuesday, April 18, 2023, to submit their tax return or request an extension... 

We all need the help of professionals for certain things. But when it comes to money, YOUR wisdom may be as much (if not even more) important to how your children make financial decisions than a financial professional.

Folks approaching retirement face shockingly high inflation and a potential recession. Worried about creating steady income when markets are wobbly and unreliable?

What goals do you have for 2023? Maybe start that new hobby or finally stop that bad habit? No matter what your resolutions are, getting started is the hardest part. This year, take a different approach. Learn how you can set yourself up for success with a fresh start (at any time) in this month’s Visual Insights Newsletter.

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