Have you ever wondered how scammers get your information? There are actually lots of ways, like organizational breaches, re-used passwords, and social media oversharing. Something many people may not think about is public Wi-Fi. Public Wi-Fi is popular due to its many...
read moreGenerally speaking, as much as possible. You need to build a fund that you can draw on for a significant portion of your retirement income. Believe it or not, this may be possible if you start planning and building your retirement strategy early on. Contribute as much...
read moreIdentify your financial goals Setting goals is an important part of life, particularly when it comes to your finances. Over time, your overall goals may change, which could impact your financial goals. Start by asking yourself the following questions: What are my...
read moreFake SMS text messages, known as “Smishing,” attempt to collect personal information. Smishing scams appear to be from trusted companies, government agencies, and charities. Did you know every year, the IRS releases a list of “Dirty Dozen” tax scams? The scams on the...
read moreThis year, even seasoned investors have been feeling at times like they are on a rollercoaster without a safety bar. They may have been wondering if that’s really the case, and if so, how to affix a safety bar or perhaps even switch from this rollercoaster to a tame...
read moreMaking decisions about your retirement account can seem overwhelming, especially if you feel unsure about your knowledge of investments. However, the following basic rules can help you make smarter choices regardless of whether you have some investing experience or...
read moreKnowing how we will and won’t provide notifications or request information from you helps protect your time and money from fraudsters posing as us. Here are a few tips to help you spot a suspicious request for information from an impostor and what you should do to...
read moreFive things to consider when it comes to keeping more of your income. 1. Consider deferring your income to limit your current income tax liability By deferring income to a later year, you can minimize your current income tax liability and invest the money you’d...
read moreThe longer you live, the greater the chances you’ll need some form of long-term care. If you’re concerned about protecting your assets and maintaining your financial independence in your later years, long-term care insurance (LTCI) may be for you. Who...
read moreWhat does a million-dollar 401(k) retirement portfolio mean, and how do you get there? The number one regret many retirees have is not saving more earlier in life, and their biggest worry is running out of money in retirement. These financial anxieties are valid and...
read moreLet’s consider the following scenario. You have $7,000 for an IRA contribution. Should you put the money in a traditional IRA or a Roth IRA? With a traditional IRA, you may be able to receive a tax deduction on your contribution, but the distributions will be taxable...
read moreOnline dating is on the rise and scammers are finding new ways to trick those who are looking for love. These con artists are usually looking for someone to send them money after establishing a relationship on a dating site, app, or chat room. If you’re looking for...
read moreTax deferral on retirement savings eventually comes to an end. Those who are 73 and older this year must take Required Minimum Distributions (RMDs) from their qualified retirement plan accounts (IRAs, 401(k)s, SEP-IRAs, Simple IRAS, and similar retirement plans but...
read moreTake a good look at your surroundings and your daily routine. What’s working, and what isn’t? Here are some ideas for things you can do during January to set yourself up for success this year: Prioritize. Start each day by identifying your 3 most important tasks, and...
read moreThe end of the year can be a good time to review current investments and consider potential changes. One common topic is converting or rolling over a Traditional IRA to a Roth IRA. An experienced professional can be especially helpful when exploring these types of...
read moreAs the seasons change and new routines begin, many consumers will turn their spending towards the holiday season. Whether online shopping or purchasing in-store, it is important to keep your debit and credit card information secure. Do you know what fraud looks like...
read more“If it’s too good to be true, it probably is.” When it comes to banking “hacks” on social media, this phrase should be a guiding principle. Earlier this fall, the internet was inundated with videos claiming to help people get “free money” from their local ATM....
read moreHealth care is an often overlooked aspect of retirement planning, yet it is one of the most financially influential. Some may assume that Medicare will cover all medical costs. The truth is, for most people, healthcare costs not covered by Medicare during retirement...
read moreThe Retirement “Zone” If you’re considering retirement within the next five years or so, you’re in the retirement “zone.” This is a critical time period during which you’ll be faced with a number of important choices, and the...
read moreFraud is an ever-evolving threat, adapting with technology and finding new ways to exploit individuals and organizations. Understanding the latest trends in fraud and knowing how to protect yourself is crucial in this digital age. Here, we explore some of the newest...
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