Is Your Retirement Plan Based on Numbers, or Your Actual Life Vision?
When most people think about retirement planning, they start with a calculator. How much do I need to save? What's my magic number? Will $1 million be enough? But recent research indicates that 92% of retirees report being satisfied with their retirement, even though many worry they didn't save enough. This suggests that happiness in retirement might have less to do with hitting a specific dollar amount and more to...
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...