Financial Spring Cleaning: What to Shred, Keep, or Digitize
These days, almost everybody knows about and understands the need for keeping your personal information safe online. Strong passwords, regular review of banking, credit card, and other online financial accounts, care when using internet browsers or email, and other cyber-safety cautions are part of the day-to-day identity protection and financial security routine for most of […]
Preparing to Sell Your Business: A Multi-Year Roadmap
Many business owners are dependent on the value of their companies for funding their retirements or pursuing other desirable financial goals. But successfully liquidating a business can involve much more than taking the maximum payout from a purchaser. Whether the owner intends to pass management and/or ownership to a family member or valued employee or […]
Financial Planning for Adult Children with Disabilities
For persons who have children with special needs, financial planning should include careful consideration of those needs, especially if it is anticipated that those needs will continue or are continuing into the child’s adulthood. Physical or mental health challenges such as muscular dystrophy, intellectual disability, profound autism, and other conditions can create the need for […]
Tax-Efficient Charitable Giving Strategies for 2026
The latest tax changes in the One Big Beautiful Bill Act (OBBBA), passed in July 2025, contain a fair amount of good news for those interested in saving on taxes. But, as with almost anything related to the federal government, there’s a little less-good news in the mix, also. Let’s take a look at some […]
Your Financial Reset: Start the New Year with a Smart Plan
At this time of year, it’s normal to look back over the past 12 months for a view of what has happened and, at the same time, try to peer into the future to get ready for what might lie ahead. In fact, our month January is named for the Roman god Janus, who is […]
Financial Strategies for Young Families
As Scottish poet Robert Burns famously observed, “the best-laid plans of mice and men often go astray.” We’ve all experienced times when our plans and intentions got sidelined by unanticipated events. Especially in the early years of starting a family, when children come along, careers are getting underway, and life starts to really pick up […]
10 Things to Do before You Retire
Stick to your savings plan. The number-one building block for a secure retirement is building up your retirement nest egg as much as possible. Unfortunately, this is also the number-one shortcoming of most Americans. While more than half of Americans report having a retirement savings plan, less than half believe they’ll have enough saved to […]
Covering the Bases with Medicare
Whether you are registered for Medicare, you’re not registered but eligible (age 65 or older), or you’re already receiving Medicare benefits but you’re thinking about changing your plan, you need to know that the current enrollment period for Medicare coverage in 2026 runs from October 15, 2025, to December 7, 2025. During this period, you […]
Spousal Benefits and Social Security
In 2024, more than three million Americans filed for Social Security benefits. Further, in the first half of fiscal 2025 alone, the claim system, which includes online, telephone, hard-copy, and in-person applications, a record number of individuals applied for retirement benefits from the Social Security Administration. Without a doubt, Social Security benefits are a central […]
Finance 101: Student Loan Tips for Recent Graduates
You did it! You walked across the stage and received your diploma, perhaps along with a handshake from the dean or maybe even your college president. You got that degree, and now that you’ve started your first “real” job, you’re on the way into your professional future. But along with the satisfaction of beginning your […]
