Lorna Allen, M.S., MBA, RICP Financial Services for Professionals

07/13/2026

07/10/2026

Trump Accounts opened on July 4. A few questions are worth considering:

➡️ Our baby is 18 months old. Do we qualify for the $1,000?

Yes. Every U.S. citizen baby born since January 1, 2025, qualifies for a one-time $1,000 federal contribution.

➡️ Is there an income maximum?

No. Eligibility is based on the child's citizenship and birth date, not family income.

➡️ Our child is 7. Did we miss it?

Not entirely. Any U.S. citizen under 18 can have an account opened. The federal $1,000 payment applies only to children born in 2025 through 2028, but everything else still applies.

➡️ Can grandparents contribute?

Yes. Up to $5,000 per year combined across parents, grandparents, family, and the child themselves.

➡️ What is the catch?

State tax conformity varies; California, for example, does not currently conform.

Whether to contribute, how much, and how to coordinate it with what you already have are all worth talking through. Our team is here for that.

07/08/2026

In the world of finance, the effects of the "confidence gap" can be especially apparent.

In the world of finance, the effects of the

07/04/2026

Happy Independence Day! Let's use this day as a reminder to not only celebrate our national freedom but also to strive for our own financial independence. After all, true independence starts with being able to shape your future. Wishing you all a safe and happy holiday!

07/03/2026

The latest insights from the 2026 EBRI Retirement Confidence survey are available!

See how your confidence stacks up from retirement readiness to social security reliance. Do any of these stats seem surprising as you think about your retirement journey? If so, feel free to tag and share 📣

07/01/2026

Marriage changes your financial life. This piece includes keys to preparing to grow wealthy together.

Keys to preparing to grow wealthy together.

06/29/2026

. .

06/28/2026

Happy National Insurance Awareness Day! 🏦📝

As a financial professional, I cannot stress enough the importance of having insurance coverage that's designed to fit your needs. Insurance can provide for unexpected events and can help protect your assets and financial future. Here are some key points to consider:

👉 Start by assessing your insurance needs: Evaluate your current financial situation, your assets, your family's needs, and any potential risks.

👉 Understand your policies: Make sure you understand the terms and conditions of your insurance policies. Lean on your financial professional if something is unclear.

👉 Review your insurance regularly: Your insurance needs can change over time, so it's essential to review your policies regularly to ensure they still meet your needs.

👉 Work with a financial professional: They can help you navigate the complex world of insurance and find coverage that's designed to fit your needs.

Remember, don't wait until it's too late to protect yourself and your assets.

06/26/2026

Where do you begin when buying a home? This article has some pointers.

A look at what you need to think about when buying a home.