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.
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
(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)
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)
Information is provided 'as is' and solely for informational purposes, not for investment purposes or advice. BrightScope is not a fiduciary under ERISA. BrightScope is not endorsed by or affiliated with FINRA.