Insights

The Advantages & Disadvantages of 401(k) Loans

Sometimes a 401(k) loan makes sense, but there are a lot of considerations Tapping your tax-advantaged retirement savings seems like a desperate financial move (because it is), yet also a…..

Using Trusts to Manage Wealth: What Investors Should Know

Whether you manage a trust for someone else, are the beneficiary of a trust, or are thinking of creating a trust, you probably have some questions about the "best practices" of…..

What Are Women’s Biggest Financial Regrets?

Merrill Lynch recently released the results of a comprehensive survey on women and financial wellness, with some surprising observations.1 The top financial regret for the women surveyed was that they weren't…..

Three Sobering Thoughts Hurting Your Retirement

Stagnant wage growth, rising inflation and low interest rates are real issues The idea of retiring at age 65 with a gold watch and a fully-funded retirement account is a…..

What Can A Financial Professional Do for Non-Profits?

As of 2017, about two-thirds of all nonprofit organizations in the U.S. had annual budgets of less than $1 million.[1] For these non-profit organizations where every penny has a purpose, having…..

Hostage Data: Ransomware and Protecting Your Digital Information

On May 7, 2021, the Colonial Pipeline, which carries almost half of the East Coast's fuel supply from Texas to New Jersey, shut down operations in response to a ransomware…..

Tax Implications of Monthly Child Tax Credit Payments

In July 2021, nearly 40 million U.S. families are set to begin receiving $250 or $300 per month in child tax credit payments through the end of the year.1 But what…..

Are Early Retirement and Pension Buyout Offers a Good Deal for You?

In today’s economy, offers of an early retirement buyout for a current employee or a pension buyout directed at a former employee are becoming common as companies look for ways…..

Biden Policies to Impact Stock Markets – Part III

The American Families Plan and what it might mean for investors   Will the policies of the Biden Administration have a negative or positive impact on the stock market? A…..

Biden Policies to Impact Stock Markets – Part II

The American Rescue Plan Act and what it might mean for investors Will the policies of the Biden Administration have a negative or positive impact on the stock market? A…..

Biden Policies to Impact Stock Markets – Part I

While presidential policies matter, policies never move markets uniformly Will the policies of the Biden Administration have a negative or positive impact on the stock market? A prevailing view –…..

Social Justice and Impact Investing- Doing Good for Others

Social Justice investing is commonly linked to Socially Responsible Investing (SRI), which is investing to do good for others. Now, as COVID-19 continues to shape our societal values, clients are…..

Your Retirement Portfolio: Five Things to Consider Before Market Turbulence

It is human nature to seek advice when things aren't going well or when an unforeseen event occurs. Often, people seek financial advice from a professional only when the stock…..

Retirement Plans and Estate Planning

When you die, what will happen to your retirement plan benefits? In general, your retirement plan benefits pass to the beneficiaries you designate on the plan beneficiary designation form. Your…..

Women & Retirement: Modern Day Challenges

Women can experience more challenges saving for retirement than men, and unfortunately, COVID-19 has added even more challenges. According to Transamerica Center for Retirement Studies report Women and Retirement: Risks…..

Women and Retirement: Closing the Gender Pay & Retirement Savings Gap

Today’s women are more educated and have more significant job opportunities compared to previous generations. Despite more women in the workforce than ever before, women still experience considerable pay disparity…..

What It’s Like To Send a Child to College

Sending a child to college for the first time can be a stressful transition for any parent. Even though your child is legally an adult (or almost an adult) by…..

Estate Planning Checklist

Because you've worked hard to create a secure and comfortable lifestyle for your family and loved ones, you'll want to ensure that you have a sound financial plan that includes…..

Proper Financial Planning: Critical for Women

A key goal of investing for retirement is making sure you save enough to make your money last throughout your lifetime. On this score, women may need to save more…..

How to Strike a Work-Life Balance: Tips for Teachers in Stressful Times

Teachers don't just punch a time clock and log hours at their jobs. Instead, they invest a lot of time and make a significant emotional commitment to shaping the lives…..

Everything You Need to Know About Equal Pay Day

Equal Pay Day is dedicated to symbolizing and raising awareness of the gender pay gap in most countries throughout the world.[1] The first year of observation was 1996 and was…..

What Should Women Entrepreneurs Know About Small Business Grants?

One of the biggest challenges for any new business involves maintaining liquidity and consistent cash flow. Many entrepreneurs take only a minimal salary—if any at all—during the first few years…..

Retirement Planning for Teachers and Public School Workers

The ability to enjoy a secure retirement is an objective that many teachers and their colleagues pursue years before they leave their jobs. Many public school workers, in different positions,…..

What Should Women Entrepreneurs Do to Thrive in the COVID Era?

What Should Women Entrepreneurs Do to Thrive in the COVID Era?   With COVID rocking the employment landscape for job-seekers, some women have taken this opportunity to reinvent themselves and…..

Your Estate Planning Checklist To Protect Your Loved Ones

By Pamela Zedick, CFP® Did you know that estate planning isn’t just for the wealthy? Estate planning is important for anyone with assets, including checking and savings accounts, real estate…..

Why I Became A Financial Advisor

By Pamela Zedick, CFP® Like most things in life, my path to becoming a financial advisor had plenty of twists and turns. I knew I wanted a career in finance…..

What’s Your Long-Term Care Plan?

Pamela Zedick, CFP® There are a lot of things you don’t want to gamble with in life, like your retirement savings, your income, or your health. Unfortunately, many Americans take…..