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Articles in Financial Planning

Whether you need advice about retirement planning, estate planning, tax planning, college planning, charitable planning, debt management, or insurance planning, there is a financial advisor out there who is well-equipped to help you achieve your goals.
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Why Spending Makes Us Feel Good

by Rush Barrett Steelman Level 6
We usually think of Christmas as the time of year when we get spendy. However, there are plenty of other times in the year when we spend on non-essentials. Halloween is one such time. Candy and costumes may not seem ...(more)
Comment   |  7 days ago
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Tackle Year-End Deadlines and Look Ahead to 2018

by Jessica Elizabeth Poynter Level 6
With happy holidays come distracting deadlines. Our gift to you: wrapping them up in this year-end guide. With happy holidays come distracting deadlines. Our gift to you: wrapping them up in this year-end guide. Now’s ...(more)
Comment   |  Oct 06, 2017
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Risk Relativity

by Nick Allen Edwards Level 12
Most have heard the expression, “No risk, no reward,” or some variant thereof applied to investment philosophies. Within that statement is a fundamental logic that dictates how investors and asset managers should be ...(more)
Comment   |  Oct 02, 2017
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The Very Basics of Income Taxation

by Nick Allen Edwards Level 12
Despite being the system all of us have spent our lives beholden to, I’ve found very few individuals fully understand how our government taxes personal income.  This article will be a brief overview of how it works from ...(more)
Comment   |  Oct 02, 2017
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401k Motivation: Overcoming Generational Hurdles

by Curtis Steven Farrell Level 14
While many financial wellness programs offer a “one size fits all” solution, it’s important to be mindful that different age groups have different needs, and it’s very likely your workforce represents a fairly wide ...(more)
Comment   |  Sep 21, 2017 from Mission Viejo, CA
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The Equifax Data Breach: What To Do Next

by W. David Kern, CFP® Level 14
If you’ve been left scratching your head over the recent Equifax data breach, you’re not alone. The personal data of over 143 million American consumers is said to have been stolen – meaning, if you have a credit ...(more)
Comment   |  Sep 20, 2017
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Align Spending with Values

by Robert Rankin Schulz Level 6
I have the opportunity to review client spending patterns regularly, and it's one of the most important exercises in our client process. Very few of us voluntarily want to discuss spending on a line item by line item ...(more)
Comment   |  Sep 08, 2017 from Mansfield, TX
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Don't judge your value by your wallet

by John Stackhouse Level 8
Think back to being in grade school. The times when you had to work on an assignment or a project. Then came getting a grade on the work. Sometimes there were no grades but certificates, stars, or even smiley faces. You ...(more)
Comment   |  Sep 01, 2017
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When Borrowing Money Makes Sense

by W. David Kern, CFP® Level 14
At first glance, the data looks bleak: Nearly three-fourths of Americans are in some kind of debt. While that may sound troubling, consider that not all debt is bad. In fact, borrowing sums of money with a legally ...(more)
Comment   |  Aug 31, 2017
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How to Get Started on Estate Planning

by Douglas A. Boneparth, CFP®, MBA Level 6
For those Millennials (and Baby Boomers- don’t think you’re off the hook!) who own and home or have a family, estate planning is something you absolutely must do.  I see so many people avoiding it because they don’t ...(more)
Comment   |  Aug 18, 2017 from Manhattan, NY
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Our brains, as we age, and money

by Larry R Frank Sr Level 20
How well can we function at work as we grow older? Or continue to manage our money? Research that has looked at cross-sectionsas well as longitudinal groups of people have provided great insights to these ...(more)
Comment   |  Aug 09, 2017 from Roseville, CA
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The Value of a Financial Advisor

by W. David Kern, CFP® Level 14
An advisor can add up to 3% in net returns We’ve written before about the value of working with a financial advisor. In that post by James Lenhoff, he discussed how ‘the real value of a financial advisor is rooted in ...(more)
1 Comment   |  Aug 01, 2017
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Complacency is not a strategy

by John Stackhouse Level 8
There is comfort in hitting a good stride. It is cozy when all is great at work, at home, the economy around you. It feels satisfying when we have the little gears of life running in order. It may be a combination of ...(more)
Comment   |  Jul 24, 2017
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What are some tips for managing my money?

by Dempster Robert Cherry Level 8
Either type or paste your guide content As with virtually all financial matters, the easiest way to be successful with a cash management program is to develop a systematic and disciplined approach. Spending a few ...(more)
Comment   |  Jul 23, 2017
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What is the best way to plan for your assets to remain within your bloodlines?

by Nicholas Joseph Scheibner Level 14
A 60-second read by Nicholas Scheibner:  When planning your estate, it is important to divide all of your accounts into two groups:  accounts with designated beneficiaries and accounts with no designated ...(more)
Comment   |  Jul 12, 2017 from Fair Lawn, NJ
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What is the Best IRA for a Young Investor?

by Nicholas Joseph Scheibner Level 14
A 30-second read by Nicholas Scheibner:  Before deciding which kind of IRA to open, the first thing you would want to do is check with your employer about 401(k) offerings. If your employer provides any company match ...(more)
Comment   |  Jul 12, 2017 from Fair Lawn, NJ
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New Jersey Public Employees – Things to know about your Retirement Income

by Nicholas Joseph Scheibner Level 14
As public employees for the great state of New Jersey, there are some important factors to consider when it comes to your retirement income. Regarding Your Pension: New Jersey Pensions fall into two categories: “I ...(more)
Comment   |  Jul 12, 2017 from Fair Lawn, NJ
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NJ Tax Payers: Make Sure You Always Claim Your Medical Expenses

by Nicholas Joseph Scheibner Level 14
A 30-second read by Nicholas Scheibner:  New Jersey is certainly not known as a “tax-friendly” state.  However, the garden state has a much lower threshold on Medical Expense deductions than the federal government. ...(more)
Comment   |  Jul 12, 2017 from Fair Lawn, NJ
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What to do if you filed for Social Security and you changed your mind

by Nicholas Joseph Scheibner Level 14
(Est. Read Time: 40s) If you began taking Social Security before full-retirement age, and are looking to postpone payments until a later time, there is a solution: the 1-year payback rule. The 1-year payback rule ...(more)
Comment   |  Jul 12, 2017 from Fair Lawn, NJ
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Are You Planning For Your Long-Term Care?

by W. David Kern, CFP® Level 14
Like estate planning, long-term care (LTC) planning is a critical component for building a financially secure future. However, many people tend to put it off or actively avoid it all together. The advantage to planning ...(more)
Comment   |  Jun 28, 2017
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