Blog

Paying Off Student Loans

There are many choices for repaying student loans. This checklist can help you weigh them...
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SECURE Act Changes Loom for Business Owners

If you are a business owner, navigating the 401k plans that you have in place for your employees may be a responsibility you have under your belt. Well remember 2019? It was in December of that year (which seems very long ago now) that the SECURE Act was signed into law.
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The Battle of Financial Priorities

Careful planning can help you manage competing financial priorities.Does this sound familiar? You keep meaning to increase your retirement plan contribution, but there seem to be too many other financial priorities that get in the way. Fortunately, with a little planning, you can develop a strategy to cover those expenses and help stay on track for retirement. Here are some tips to help balance competing financial priorities...
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Tap into the Power Nap

With all the fear, uncertainty and drastic changes that have occurred over the past several months, who has been able to tune out and enjoy a good, old-fashioned nap? As it turns out, now may be a good time to revisit something that you may not have done regularly since you were a child (or a growing teenager).
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Financial Fitness: Make Your Money Last

To live a long life, you’ll need a healthy supply of money to go the distance with you. The risk of outliving your money is called “longevity risk.” Begin early and follow the following good financial habits, and you’ll increase the likelihood that your money will last as long as you will...
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EXTRA CREDIT: Tips on Your Credit Report, and Fixing Errors

Following are six of the key items that appear on a credit report, with tips on how to fix any errors you may find...
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Consider This Before Buying Your First Home

Finding the right first home starts with a price range and a short list of desirable neighborhoods. But you may need to consider many other factors before investing in what may be your biggest asset.?
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Tips for Managing Debt and Credit

Avoiding credit card overload increases your opportunities to save and invest for important goals. Debt and instant credit are part of our everyday lives. Most of us borrow to pay for our cars and houses, and nearly everyone has at least one credit card. But the convenience of credit can easily entice you to spend more than you earn. Knowing when and when not to use credit — and what type of credit to use — can help you avoid getting in over your head.?
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Does Your Portfolio Reflect Your Risk Tolerance?

There are many types of risk associated with investing. Understanding each type and the effect it may have on your portfolio returns is crucial to your long-term investing success. Because all investments entail risk, smart investors understand all types of it -- and use that knowledge to their advantage.
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Tips on Helping to Care for Aging Parents

Many adults are finding that their aging parents are in need of health care assistance. Luckily, there are many options available today to help your parents grow old gracefully, either in their own home or in a facility, and several ways that you can finance the costs of the care.??If your parents are healthy seniors who can look after themselves, they generally are eligible to enter an assisted living community. They may also live with family. While living alone is also an option, t
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Winning A Gold Medal in Investing

Pre-Pandemic days, fans of summer athletics look forward every 4 years to a major athletic event. Hundreds of athletes converge to compete, and some will be awarded bronze, silver, or gold medals, depending on how they perform. Although times have changed now, to help celebrate motivating and inspiring events like summer athletics, why not try to earn a gold medal for investing in your retirement plan? Participate in the events below on a regular basis to help earn your medal...
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Budgeting: How To Put Yourself First

Personal savings are essential to ensure a comfortable future. Learn how to track monthly expenses with a budget and potentially free up cash for saving.?
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403b(7) Accounts… What’s In It For You?

Are you a schoolteacher or are you employed by a non-profit organization? Funded by your own pre-tax contributions, a 403(b)(7) account—if available at your employer—can be an effective way to invest, save money and plan for your financial future.
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You & Financial Planning

Financial planning pulls together all your finances, and organizes them to help make management easy and effective. The more you understand and better manage your wealth, the more prepared you are for your goals and dreams.
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How Much Do You Need To Retire?

Uncertainty over the future of Social Security, longer life expectancy, and inflation all factor into how much you'll need to save for a comfortable retirement...
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Brush Up on Your IRA Facts

IRAs are one of the most popular retirement savings vehicles in use today. If you own an IRA, be sure you are familiar with all the latest rules governing them...
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When Should You Collect Social Security?

A growing number of Americans have been forced to delay their planned retirement date due to job and savings losses suffered during the past recession. Postponing retirement not only means working longer but also delaying when you start collecting Social Security...
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Importance of Diversification in Times of Uncertainty

The COVID-19 pandemic has certainly tested the resolve of even the most seasoned investors. To help regain some confidence and sense of empowerment, it may be helpful to review a fundamental principle of investing: diversification.
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Retirement Plan Loans: Do They Make Sense for You?

Is there anything your 401(k) plan can't do? It allows for tax-deferred earnings in traditional accounts and tax-free earnings in Roth-style accounts. And traditional plans enable you to make contributions in pretax dollars, helping to reduce your taxable income. It even offers a menu of professionally managed investments from which to choose.
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Moving Forward in the Social Distancing Age

Activities that people used to take for granted have changed in major ways — like a trip to the grocery store, attending a live concert or sporting event, participating in church services or even just hugging a friend. Remember that the simple things, like exercise and eating right are essential to maintain your health. Here are some things to focus on as we continue to adjust to the changes in our daily lives.
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Online-Only Banking: The Good and The Bad

Most people tend to use a mix of online and regular banks, as even community banks will have mobile site or app component. But, there’s also the option of online-only banks with no physical location which comes with its own benefits and detriments.
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Becoming a “Smart Saver” Family

Saving money doesn’t have to mean drastic reductions, rather small, targeted steps as an entire family can mean substantial savings. No matter the size of your family, use these tips to increase your family’s frugality and reduce the constant feeling of financial squeeze
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Credit Cards vs. Debit Cards

Most consumers typically have both a credit card and a debit card. Of course, the biggest difference between the two is that a debit card will immediately take money out of your bank account when used, unlike a credit card, which will pay for the purchase and later add the amount of the transaction to your monthly statement. But are there any other differences between the two?
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What to Look for in a Disability Insurance Policy

Disability insurance can be considered more complicated than other types of insurance. . If there’s one thing none of us like to do, it’s to pay for something we don’t fully understand; however, once you understand the risk and your need for protection, purchasing a disability insurance policy becomes much more straightforward. Then you just need to know what to look for in a disability insurance policy to best suit your needs.
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Your Medicare Options in Retirement

Retirees today, have a multitude of health care options to choose from, with costs and coverage varying significantly. It’s important for retirees and those nearing retirement to understand the available choices and tradeoffs to make the best decision for their specific situation.
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3 Mistakes With Your Finances

Tidemark's Financial Consultant Frank Alvarez goes over the three common mistakes people are making with their money...
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Budgeting For A Baby

Congratulations! Starting a family is truly one of life's most fulfilling experiences. As you take the first step consider your family’s financial needs, here’s our guide on how to address the key areas before and after your new child comes home.
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Don’t Neglect Your Benefits When Switching Employers

Whether you’re feeling excited for the career change, or maybe a little bittersweet as you leave your current company and colleagues, making sure you’re on top of the various benefits offered by your employer is critical for your financial health. Here’s our guide to careful consideration of your employer benefits when switching companies…
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Have a Long Term Goal? Financial Planning Can Help

A financial goal is a life destination which requires a map and a way to get there; and, assuming you have finite resources with which to successfully make the trek, they need to be used wisely or you are likely to come up short. If you have a long term goal, financial planning can help you get there.
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5 Money Tips for Educators

Tuning into your money to ensure you reach your financial goals is important for teachers—just as much as anybody else. Here are some quick tips to help you navigate your way to financial success!
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How To Save For Your Child's College

In today's hyper-competitive world, college expenses can be a financial burden for many families. Make sure you understand the ways you can save for your child's education costs.
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The Great Disconnect

Investors like labels for the economy and financial markets—many of them with the word “great” in them. The Great Depression. The Great Recession. The Great Lockdown. Well, we’ve moved into what we might call the Great Disconnect. How can stocks have rebounded so strongly in the last month amid so much suffering and economic damage? What’s Wall Street seeing that so many on Main Street are not?
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Explanation of a 401(k)

Want to know about how 401(k)'s work, watch this quick video and act now if you aren't currently signed up for yours.
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How to Choose the Right Investment Advisor

A lot of people have questions on how to choose the right advisor. Here is a quick video on what you should be asking.
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Specialized Advice for Specialized Careers

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