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.
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)
No matter how much fun your summer is shaping up to be, it’s no time to put your finances on pause. Take a look at the past six months to gauge how you can adjust your strategic or tactical actions to ensure you ...(more)
Amid the ever changing and complex realm of healthcare, at least one thing remains constant and relatively easy to navigate – Health Savings Accounts (HSA). A HSA is a personal savings account that allows you to pay ...(more)
Did your retirement plan involve a home remodel? Or even a home remodel remodel? My mother-in-law spent about a decade taking care of her mother. Not only did she require lots of attention and care, but she also ...(more)
You know the old adage – ‘there’s no time like the present’. This is a noteworthy saying that is particularly true for young individuals and families who want to start saving seriously for the future. But how and where ...(more)
Before Retiring you'll need to know these 9 pieces of information to have a better retirement:
1) When to file for Social Security
2) How much your Health Care costs will be
3) How much you currently spend
According to the World Federation of Exchanges database, there were about 15,000 publicly traded companies worldwide, in 1975. This count grew to just over 43,000 by 2015. What’s interesting is the change across ...(more)
Have you misplaced your eye glasses recently? Or, have you recognized a face at the grocery store but been unable to recall the person's name?
Forgetting a name or where we put our keys are typical realities for many ...(more)
From time to time we get questions about the tax implications of taking funds from the different types of IRAs. Regular IRAs and Roth IRAs have differing distribution rules. Following is a short summary.
You make a living wage and have a strong career, but have you stopped to think about retirement and saving? You are probably doing better than most, because you are good with numbers and have the smarts to be able to ...(more)
Two things to note first this week, which are taxes and politics.
First, the tax filing deadline for federal income taxes is April 18th. Typically it would be Monday April 17th, since the 15th falls on ...(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.