How to Balance College Planning With Your Other Financial Goals
When your child starts kindergarten, college feels like a distant concern. But fast-forward a few years, and suddenly you're facing the reality that higher education costs are climbing faster than most family incomes. With the average college student and their families paying $13,760 out-of-pocket for the 2023-2024 academic year, it's no wonder parents feel pressure to start saving early and save aggressively. Here's the challenge: college planning doesn't happen in a...
Small Business Retirement Plans: Choosing the Right Strategy for Your Company
Small business owners often find themselves so focused on growing their companies that retirement planning takes a back seat. But here's something that might change your perspective: offering the right retirement plan can actually help your business grow while reducing your tax burden. With more than 40% of small employers not offering retirement benefits and SECURE 2.0 creating new tax incentives worth up to $5,000 annually, there's never been a...
Understanding Property, Casualty & Liability Insurance: What Every Policyholder Should Know
Most people think insurance is one of those "set it and forget it" financial products. You buy a policy, pay your premiums, and hope you never need to use it. But here's the reality: the insurance landscape changes faster than most people realize, and what protected you five years ago might not be enough today. With property and casualty insurance premiums growing by nearly 10% in recent years and liability...
How Recent Tax Law Changes Could Impact Retirees and Pre-Retirees
Big changes are coming to the tax world at the end of 2025, and they might affect your retirement plans in major ways. If you're already retired or planning to retire in the next few years, these changes could impact how much money you get to keep and how much goes to Uncle Sam. The tax laws we've been using since 2017, called the Tax Cuts and Jobs Act (TCJA), are...