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What’s on our mind? You can read about it in our blog. Whether it’s ideas from the investment world or concepts from the financial industry, you can read about it here. So keep checking in. We’re glad to have you reading along.

 

Thursday, November 8, 2018

The potential outcomes of the midterm elections have been dominating the news cycle lately, and we know from history that the markets typically do not like uncertainty.

 

Thursday, October 25, 2018

The pace and complexity of managing modern finances leave many people feeling unprepared and uncertain about their financial future. Here's a look at our process.

 

Thursday, October 25, 2018

Its effect is subtle, yet significant. In retirement, you face a quiet financial threat. Over time, inflation may erode your purchasing power.

 

Thursday, October 25, 2018

Stepping into retirement is great for getting in that well-earned rest and relaxation - and for taking up volunteering, no matter what that looks like.

 

Thursday, October 25, 2018

If you're a disciplined saver, you increase the potential of enjoying a comfortable retirement. How does your savings compare to national averages?

 

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Thursday, October 25, 2018

The financial markets in 2018 experienced lots of ups and downs we haven't seen in a long time. How do you stay focused on your goals when the markets get volatile? Take this short quiz to uncover your feelings about investing.

 

Thursday, October 11, 2018

One of the most confusing Medicare provisions is the prescription drug coverage gap, often called the "donut hole." Here's a breakdown.

 

Thursday, October 11, 2018

Whether you’re mourning the end of long summer days or embracing the return of pumpkin spice at your local coffee shop, October also signals that we’ll soon be closing the books on another year.

 

Monday, September 17, 2018

Financial mistakes can occur throughout your lifetime. Whether you're in your 40s, 50s or 60s, it's important to be aware of financial pitfalls to avoid.

 

Monday, September 17, 2018

Wearable technology: Useful devices you can wear at work and home. Wearable tech isn't just about being on trend. It's about creating a more efficient and informed lifestyle.

 

Monday, September 10, 2018

Overall, when it comes to market fundamentals, the positives may outweigh the negatives—and hopefully the same will be the case for the 2018–19 school year.

 

Monday, September 10, 2018

How can you make sure your teen is staying safe on the field? It's a tricky conversation. You don't want to discourage your teen from participating in a sport, connecting with peers, or learning something new.

 

Thursday, August 16, 2018

In today's complex world of medical billing, you may have difficulty understanding exactly which procedures you're being charged for, or what the billing codes on your hospital bill mean.

 

Thursday, August 16, 2018

A health savings account (HSA) is a tax-advantaged account that you can establish and contribute to if you are enrolled in a high-deductible health plan (HDHP).

 

Thursday, August 16, 2018

You and your significant other are ready to take the next big step in your relationship: moving in together. While this is an exciting milestone, it's also one that should prompt you and your partner to have some serious conversations.

 

Thursday, August 16, 2018

When you live with a chronic illness, you need to confront both the day-to-day and long-term financial implications of that illness.

 

Thursday, August 16, 2018

One advantage of term life insurance is that it is generally the most cost-effective way to achieve the maximum life insurance protection you can afford.

 

Thursday, August 2, 2018

As we look back on the month of July, the standout stories for the summer so far have been strong U.S. economic growth and surging corporate profits.

 

Thursday, August 2, 2018

The Memorial Day weekend is the beginning of the summer driving season, and — not coincidentally — often a high point in the annual ups and downs of gas prices.

 

Thursday, August 2, 2018

Interest rates on federal student loans are set to rise for the second year in a row. This table shows the interest rates for new loans made on or after July 1, 2018, through June 30, 2019.

 

Tuesday, July 17, 2018

How critical is it for women to build retirement savings? At least as critical as it is for men, perhaps more so because of two factors. Women have a longer life expectancy than men.

 

Tuesday, July 17, 2018

You must have been pleasantly surprised to find out you'd be getting a refund from the IRS — especially if it was a large sum. And while you may have considered this type of windfall a stroke of good fortune, is it really?

 

Tuesday, July 17, 2018

An initial public offering (IPO) is the first public sale of stock by a private company. Companies tend to schedule IPOs when investors are feeling good about their financial prospects and are more inclined to take on the risk.

 

Tuesday, July 17, 2018

Often, tax-qualified retirement accounts such as IRAs make up a significant part of one's estate. Naming beneficiaries of an IRA can be an important part of an estate plan.

 

Tuesday, July 17, 2018

The federal funds rate is the interest rate at which banks lend funds to each other from their deposits at the Federal Reserve (the Fed), usually overnight, in order to meet federally mandated reserve requirements.

 

Tuesday, July 17, 2018

Buying a home can be a major expenditure. Fortunately, federal tax benefits are still available, even after recent tax reform legislation, to help make homeownership more affordable.

 

Tuesday, July 17, 2018

As people move through different stages of life, there are new financial opportunities — and potential pitfalls — around every corner. Have you made any of these mistakes?

 

Tuesday, July 17, 2018

Each year, the Employee Benefit Research Institute (EBRI) conducts its Retirement Confidence Survey to assess both worker and retiree confidence in financial aspects of retirement.

 

Tuesday, July 17, 2018

If you have a penchant for financial trivia, put your knowledge to the test by taking this short quiz.

 

Wednesday, July 11, 2018

The recently released LPL Research Midyear Outlook 2018: The Plot Thickens is filled with investment insights and market guidance to take us through the rest of the year.

 

Tuesday, July 3, 2018

Your life insurance needs will depend on a number of factors, including the size of your family, the nature of your financial obligations, your career stage, and your goals.

 

Thursday, June 21, 2018

Statistics tell us that the leading cause of household stress is money. Yet many people do not have a system for knowing where their money goes once it comes in the door.

 

Wednesday, June 20, 2018

Most Americans will receive Social Security and Medicare benefits at some point in their lives. For this reason, workers and retirees are concerned about potential program shortfalls that could affect future benefits.

 

Friday, June 15, 2018

Getting married is an exciting time for a couple. However, along with this excitement come many challenges. One such challenge is how to manage your finances together.

 

Friday, June 15, 2018

If you're the parent of a high school student who's looking ahead to college, it's important to have a grown-up conversation with your child about college costs.

 

Friday, June 15, 2018

According to a Federal Reserve study, Americans use debit cards more often than credit cards, but the total value and the average value of credit card transactions are higher than those of debit card transactions.

 

Thursday, June 7, 2018

The summer months are almost underway, which means that both vacations and midyear check-ins are ahead.

 

Thursday, June 7, 2018

Some individuals begin or revisit their estate planning in response to a life event; others do so when their business or career changes.

 

Thursday, June 7, 2018

After you marry, to what degree should your financial lives be shared?

 

Thursday, June 7, 2018

An overview of its current financial dilemma and potential solutions. Will Social Security be different when you retire?

 

Wednesday, May 16, 2018

We all know men and women are different in some fundamental ways. But is this true when it comes to financial planning? In a word, yes.

 

Wednesday, May 16, 2018

Now that it's fairly common for families to have two wage earners, many husbands and wives are accumulating assets in separate employer-sponsored retirement accounts.

 

Wednesday, May 16, 2018

The more money you make, the more valuable you perceive your time to be — and the more time-strapped you may feel, according to University of British Columbia psychology professor Elizabeth Dunn.

 

Wednesday, May 16, 2018

The Tax Cuts and Jobs Act, passed in December of last year, fundamentally changes the federal tax landscape for both individuals and businesses.

 

Tuesday, May 15, 2018

Go out into your yard and dig a big hole. Every month, throw $50 into it, but don't take any money out until you're ready to buy a house, send your child to college, or retire. It sounds a little crazy, doesn't it?

 

Friday, May 11, 2018

A self-created last will and testament may lead to problems. As an early step in estate planning, you may be tempted to write your own will. There are some good reasons why you shouldn't.

 

Friday, May 11, 2018

The financial considerations of retiring “earlier” or “later.” If you can retire by choice, the question of “when” comes to mind.

 

Friday, May 11, 2018

Some people decide to get another college degree later in life. That typically means taking on student debt, and dealing with that debt after 40 takes planning.

 

Friday, May 11, 2018

Automate your retirement planning and wealth-building approach.

 

Friday, May 4, 2018

May’s arrival has brought warmer weather to many parts of the U.S. (finally), but it also brings talk of one of the most widely cited stock market clichés in history: “Sell in May and go away”.

 

Tuesday, April 24, 2018

The Tax Cuts and Jobs Act, signed into law in December 2017, doubled the federal generation-skipping transfer (GST) tax exemption to $11.18 million in 2018 (adjusted for inflation in later years).

 

Tuesday, April 24, 2018

The Tax Cuts and Jobs Act, signed into law in December 2017, approximately doubled the federal gift and estate tax basic exclusion amount to $11.18 million in 2018 (adjusted for inflation in later years).

 

Tuesday, April 24, 2018

College students and their parents expected changes after the Tax Cuts and Jobs Act of 2017 was passed. Here's what takes effect in 2018.

 

Tuesday, April 24, 2018

Most people will receive Social Security benefits at some point in their lifetimes, but how much do you know about this important source of income? Take this quiz to learn more.

 

Tuesday, April 24, 2018

Owning shares of stock or stock funds might increase the value of your portfolio in one of two fundamental ways: capital appreciation (i.e., price increases) and dividend payments.

 

Monday, April 9, 2018

The month of April has opened with some volatile market swings. It’s during times like this that we need to take a step back, avoid getting caught up in the headlines, and look at the big picture of the economic and market environment.

 

Thursday, April 5, 2018

Wealthvision is designed to consolidate all of your accounts, assets and information into one secure location, making your personal financial life easier.

 

Thursday, April 5, 2018

Investing with an eye toward promoting social, political, or environmental concerns (or at least not supporting activities you feel are harmful) doesn't mean you have to forgo pursuing a return on your money.

 

Thursday, March 29, 2018

Ever since a legal secretary named Ida May Fuller received the first retirement benefit check in 1940, women have been counting on Social Security to provide much-needed retirement income.

 

Thursday, March 29, 2018

Nowadays, it's easier than ever to get caught up in the cycle of credit card debt. In fact, it's become a growing problem for many Americans.

 

Thursday, March 29, 2018

Creating a budget is the first key to successfully manage your finances. Knowing exactly how you are spending your money each month can set you on a more clear path to pursue your financial goals.

 

Monday, March 26, 2018

The first quarter of 2018 is wrapping up, and it’s time to spring forward and look ahead to what we could expect in the coming months. After a large market drop kicking off the month of February, March has been relatively calm...

 

Thursday, March 22, 2018

The Tax Cut and Jobs Act substantially increased the standard deduction amounts for 2018 to 2025. It also eliminated or restricted many itemized deductions for those years.

 

Friday, March 16, 2018

The Equifax data breach was initially announced in September 2017, with an estimated 143 million Americans affected. In early March of 2018 it was announced that an additional 2.4 million consumers were affected as well. [i] While many...

 

Wednesday, March 14, 2018

Going through years of accumulated possessions and memories is probably not how you envisioned spending part of your retirement. It may sound like a daunting and emotionally draining task, but downsizing could be a good move.

 

Wednesday, March 14, 2018

Are employer wellness programs worth the investment? A review of some of the key studies examining the topic seems to indicate that such programs may indeed bring a variety of organizational benefits, depending on your objectives.

 

Wednesday, March 14, 2018

529 plans were created 22 years ago, in 1996, to give people a tax-advantaged way to save for college. Roth IRAs were created a year later, in 1997, to give people a tax-advantaged way to save for retirement.

 

Wednesday, March 14, 2018

Severe weather can test even the most seasoned homeowners. And while storm hazards such as power outages, downed trees, and flooding can result in costly damage to your home, they can also put your family's safety at risk.

 

Wednesday, March 14, 2018

Critical illness insurance will pay you a lump sum if you are diagnosed with certain illnesses or injuries.

 

Wednesday, March 14, 2018

Being named as the executor of a family member's estate is generally an honor. It means that person has been chosen to handle the financial affairs of the deceased individual and is trusted to help carry out his or her wishes.

 

Thursday, February 8, 2018

If you or a loved one needs long-term care, other choices besides nursing home care may be available. Here are some of the other options. Home care Most people would prefer to stay in their homes as long as possible. Depending on your...

 

Thursday, February 8, 2018

Inflation is one of the key factors you will need to consider when planning for retirement. Not only will the cost of living rise while you're accumulating assets for retirement, but it will continue to rise during your retirement.

 

Thursday, February 8, 2018

It's human nature to put off complicated or emotionally heavy tasks. Talking with aging parents about their finances, health, and overall well-being might fall in this category.

 

Thursday, February 8, 2018

If you've suffered property loss as the result of a natural or man-made disaster in 2017, you may be able to claim a casualty loss deduction on your federal income tax return.

 

Thursday, February 8, 2018

Money is power. A fool and his money are soon parted. A penny saved is a penny earned. Money is the root of all evil. Do any of these expressions ring true for you?

 

Tuesday, February 6, 2018

After more than 18 months of nearly uninterrupted advances, the U.S. equity markets started declining last week, with a large sell-off on February 5, 2018. Although it is always difficult to endure these declines when they’re...

 

Sunday, January 14, 2018

Sadly, for many women, becoming a widow is a first step toward economic hardship. That's why it's critical for you to organize your finances after your spouse's death and take ongoing steps to secure your financial future.

 

Sunday, January 14, 2018

Are you planning to go back to school but not sure how you'll pay for it? If you're currently employed, a good starting point is to find out whether any employer-provided education benefits are available to you.

 

Friday, January 5, 2018

On December 22, President Trump signed the 2017 Tax Cuts and Jobs Act into law. Although the depth of detail of this new law may be intimidating, on balance, we believe its passage provides firmer footing for investors as we begin 2018.

 

Thursday, December 21, 2017

Health flexible spending accounts (FSAs) are a great way for individuals to pay qualified medical and dental expenses using pre-tax dollars. While IRS rules do allow employers to offer either a carryover or grace period option for...

 

Tuesday, December 19, 2017

You may not mind if a legitimate robocall provides a helpful announcement from your child's school or an appointment reminder from a doctor's office. But sadly, criminals often use robocalls for nefarious purposes.

 

Thursday, November 30, 2017

Women face special challenges when planning for retirement. To meet these financial challenges, you'll need to make retirement planning a priority.

 

Thursday, November 30, 2017

Just getting out into the "real world?" These six steps can help your bottom line.

 

Thursday, November 30, 2017

Does your company use electronic data? Does it store or communicate potentially sensitive information about customers, employees, or competitors? If so, then a breach of that data could cost your company plenty.

 

Wednesday, November 29, 2017

A new year is right around the corner, bringing with it a fresh start for you and your finances. What will you do this year to help improve your financial situation?

 

Wednesday, November 29, 2017

If your financial plan for 2017 didn't work out the way you wanted it to, don't beat yourself up. Instead, ask yourself the following questions to determine what you can learn from reflecting on your financial situation this year.

 

Wednesday, November 29, 2017

In 2016, the first wave of baby boomers turned 70½, and many more reach that milestone in 2017 and 2018. What's so special about 70½? That's the age when you must begin taking required minimum distributions (RMDs).

 

Wednesday, November 29, 2017

It's no secret that the demographic profile of the United States is growing older at a rapid pace. GDP growth during this recovery has been weak. Could demographic changes be the reason?

 

Wednesday, November 29, 2017

Even if you're generally comfortable with your finances, you may occasionally worry about how much you're spending, especially if you consistently have trouble saving for short- or long-term goals.

 

Monday, November 27, 2017

Traditional business cycle drivers are expected to take a larger role in spurring further economic and market growth in 2018, as we have experienced a fundamental shift in the forces behind this continued economic expansion.

 

Wednesday, October 25, 2017

This time of year can seem quiet, with summer vacations and back to school behind us, but the buzz of the holiday season still a few weeks away. Although this sense of calm may be a welcomed break, there is plenty to discuss.

 

Wednesday, October 18, 2017

Statistically speaking, women live longer than men; if you're married, that means that the odds are that you're going to outlive your husband. That's significant for a couple of reasons.

 

Wednesday, October 18, 2017

A will is often the cornerstone of an estate plan. Here are five things you can do with a will.

 

Wednesday, October 18, 2017

You may think that the chances of becoming disabled during your working years are slight, and even if you did get hurt or had to miss time at work, you could get by because you have group disability insurance.

 

Wednesday, October 18, 2017

Here are 10 things to consider as you weigh potential tax moves between now and the end of the year.

 

Wednesday, October 18, 2017

There is no magic formula to determine how much you or your child should borrow to pay for college. But there is such a thing as borrowing too much. How much is too much? Here are some guidelines.

 

Wednesday, October 18, 2017

Trimming college costs up front can help families avoid excessive college borrowing and the burdensome student loan payments that come with it. Here are some ideas.

 

Monday, October 2, 2017

During the past several weeks, we’ve seen news headlines dominated by everything from extreme weather to heightened geopolitical risks, with speculation on policy changes in the U.S. an ongoing hot topic.

 

Wednesday, September 20, 2017

On September 7, 2017, Equifax, one of the three main credit reporting agencies, announced a massive data security breach that exposed vital personal identification data - including names, addresses, birth dates, and SSNs.

 

Wednesday, September 20, 2017

As you progress along your career path, there's no telling how far you'll go. But to fully reap the financial rewards of all your hard work, you'll need to take charge of your own career--here are a few issues you'll want to address.

 

Wednesday, September 20, 2017

For several years, the Social Security Administration mailed statements every five years to people starting at age 25, but due to budgetary concerns, the SSA has stopped mailing Social Security Statements to individuals under age 60.

 

Wednesday, September 20, 2017

During the Medicare Open Enrollment Period that runs from October 15 through December 7, you can make changes to your Medicare coverage that will be effective on January 1, 2018.

 

Wednesday, September 20, 2017

With some private colleges now crossing the once unthinkable $70,000-per-year mark in the 2017/2018 school year, and higher costs at public colleges, too, financial aid is essential for many families.

 

Wednesday, September 20, 2017

It's a catch-22: You feel that you should focus on paying down debt, but you also want to save for retirement. It may be comforting to know you're not alone: 18% of today's workers describe their debt as a major problem.

 

Wednesday, September 20, 2017

The opportunity to acquire company stock — inside or outside a workplace retirement plan — can be a lucrative employee benefit. But having too much of your retirement plan assets in one investment could expose you to concentration risk.

 

Thursday, August 17, 2017

Women are increasingly taking responsibility for managing their own money. However, many women, including high-level professionals who are experts in their field, may not feel confident about their investing abilities.

 

Thursday, August 17, 2017

The documentation needed to obtain a federal income tax deduction for donating used property to a charity typically depends on the value of the property. Keep the records so that you can provide them to the IRS if requested to do so.

 

Thursday, August 17, 2017

The Federal Open Market Committee (FOMC) adjusts interest rates to help keep inflation near a 2% target. How is this calculated?

 

Thursday, August 17, 2017

If you plan to continue working after you reach age 65, you may be wondering how Medicare coordinates with your employer's group health plan. Here are some guidelines on how to compare coverages.

 

Thursday, August 17, 2017

Life can be busy. The requirements of work and family often leave little time to step back and think about where you've been and where you're heading. But as your responsibilities grow, so does your need for life insurance.

 

Thursday, August 17, 2017

Women in the workforce generally earn less than men. While the gender pay gap is narrowing, it is still significant. The difference in wages, coupled with other factors, can lead to a shortfall in retirement savings for women.

 

Monday, July 24, 2017

The hottest part of the summer has arrived across the U.S., with temperatures well into the 90s in many places. At the same time, the stock market has put together a pretty impressive hot streak of its own.

 

Thursday, July 20, 2017

In its 27th annual Retirement Confidence Survey, the Employee Benefit Research Institute discovered that 60% of today's workers feel very or somewhat confident in having enough money to retire comfortably, down from 64% in 2016.

 

Thursday, July 20, 2017

If you're the parent of a young adult who is still living at home, you might be wondering whether this situation is commonplace.

 

Thursday, July 20, 2017

If you're looking to save money for college, one option to consider is a 529 college savings plan.

 

Thursday, July 20, 2017

How much do you know about market basics? Put your investing IQ to the test with this quiz on stocks, bonds, and mutual funds.

 

Thursday, July 20, 2017

Planning on working during retirement? Recent studies have consistently shown that a majority of retirees plan to work at least some period of time during their retirement years. Here are some points to consider.

 

Friday, June 23, 2017

After years of keeping the benchmark federal funds rate at historic lows, the Federal Reserve has been raising it gradually.

 

Thursday, June 22, 2017

Yes, you can make a direct or 60-day rollover from a 401(k) plan [or other qualified plan, 403(b) plan, or governmental 457(b) plan] to a Roth IRA, as long as you meet certain requirements.

 

Wednesday, June 21, 2017

It's a vicious cycle: Money is one of the greatest causes of stress, prolonged stress can lead to serious health issues, and health issues often result in yet more financial struggles.

 

Wednesday, June 21, 2017

While no one can predict the future, the possibility of tax reform is once again in the spotlight.

 

Wednesday, June 21, 2017

You've probably heard the news that the Federal Reserve has been raising its benchmark federal funds rate. The Fed doesn't directly control consumer interest rates, but changes to the federal funds rate often affect consumer borrowing costs

 

Friday, June 2, 2017

Marlton, NJ — June 2, 2017 — Ted Massaro, CLU, AEP, Chartered Financial Consultant, an independent financial advisor at M Financial Planning Services in Marlton, NJ, recently attended LPL Financial’s Private Wealth...

 

Friday, May 19, 2017

It's no secret that today's college graduates face record amounts of debt. Approximately 68% of the graduating class of 2015 had student loan debt, with an average debt of $30,100 per borrower — a 4% increase from the prior year.

 

Thursday, April 27, 2017

Women face special challenges when planning for retirement. Many generally work fewer years and save less, leaving many to rely on their husbands' savings and benefits to carry them both through retirement.

 

Thursday, April 27, 2017

The Employee Retirement Income Security Act was enacted in 1974 to protect employees who participated in retirement and certain other employee benefit plans. The fiduciary provisions of ERISA protect participants from the mismanagement and

 

Thursday, April 27, 2017

For many workers, there may be mathematical and psychological advantages to keeping the pension. However, a lump sum could provide financial flexibility that may benefit some families.

 

Friday, March 24, 2017

You've been saving diligently for years, and now it's time to think about how to convert the money in your traditional 401(k)s (or similar workplace savings plans) into retirement income. But hold on, not so fast.

 

Friday, March 10, 2017

One of the most difficult conversations many of us face with parents is talking about money.

 

Wednesday, February 22, 2017

When your career is peaking and you are preparing for your own retirement, you may find yourself in the position of having to help your children with the financial challenges of young adulthood while also looking after your aging parents.

 

Thursday, January 19, 2017

When you determine your retirement income needs, you make your projections based on the type of lifestyle you plan to have and the desired timing of your retirement.

 

Thursday, January 19, 2017

For many families, a college education is a significant financial burden that is increasingly hard to meet with savings, current income, and a manageable amount of loans.

 

Thursday, January 19, 2017

Being self-employed has many advantages — the opportunity to be your own boss and come and go as you please, for example. However, it also comes with unique challenges, especially when it comes to how to handle taxes.

 

Tuesday, November 22, 2016

If you're satisfied with your current coverage, you don't need to make changes, but you should review your options before you decide to stay with your current plan.

 

Friday, August 19, 2016

The success of a business, especially a small business, is often predicated on the performance and retention of a few key employees. Here is one way owners can try to retain and reward their key employees.

 

Friday, August 19, 2016

If you've been designated as the beneficiary of a traditional or Roth IRA, it's important that you understand the special rules that apply to "inherited IRAs."

 

Friday, August 19, 2016

When you claim a federal income tax deduction for charitable contributions, you must substantiate the contributions by maintaining certain records. Here are some tips to help you keep the records in order.

 

Friday, August 19, 2016

In December 2015, the Federal Reserve raised the federal funds target rate to a range of 0.25% to 0.50%, the first rate increase from the near-zero range where it had lingered for seven years.

 

Thursday, August 4, 2016

In an ideal world, your retirement would be timed perfectly. Unfortunately, this is not a perfect world, and events can take you by surprise. What if you retire during a market downturn?