As Health Savings Accounts (HSA) become more available to employees, it’s time to make sure you understand the benefits of these accounts. More than 40% of American workers are enrolled in a high-deductible health plan which gives employees access to an HSA. The Health Savings Accounts has these main attributes: Pre-tax contributions (up to the […]
The prospect of long-term care (LTC) can be both emotional and overwhelming. Few want to acknowledge the possibility of an unexpected event—such as an accident, illness or general decline in health—that would necessitate these services, and LTC insurance and correlating products can be expensive and confusing. While the need for LTC services may seem improbable […]
According to Freddie Mac, the U.S. weekly average for a 30 year fixed mortgage is 3.6%, which is the lowest rate since November, 2016 and amongst the lowest rates ever! That means you should consider refinancing your old higher-rate mortgage. But how do you go about this? Here are some factors to weigh: Assess Your […]
College may seem like a long way off when your child is first born, but saving early and smartly are essential to easing that future financial burden, which according to U.S. News data, was an average $35,676 per year for private colleges during the 2018-2019 school year.1 It’s no secret college costs continue to […]
Ever find yourself saying something over-and-over again to the point you wonder If you are speaking solely to yourself then FINALLY hear someone else say it? Makes you feel pretty elated doesn’t it! We certainly felt that way when we came across this great article in Fidelity Viewpoints. We are always telling our clients to […]
As 2018 comes to an end, it’s time to start thinking about making a plan for 2019. A wealth advisor can help you identify strengths and weaknesses, and develop a plan to meet your varied goals. Vanguard research identified three core ways professional advice brings value: Behavioral coaching Portfolio construction Wealth management To learn more, […]
The Mega Millions and Powerball Jackpots are growing! How can you avoid ending up on a television show about how the Lottery ruined your life? 1. Don’t play the Lottery. It’s a waste of your money. The odds are greater that you’ll be killed by a shark or struck by an object falling from the […]
The decision to have either parent stay at home, or as I say, “work inside the home,” with the children is not always easy. There are a multitude of reasons one parent may decide to leave the workforce after having children. Sometimes it’s an emotional decision. A parent simply wants to stay home because they […]
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