Deneault & Greyard

09/02/2026

“What should I do when my CD comes due?”

I’ve had more clients than usual ask me this recently. When rates were higher, renewing was an easier decision.

The first question I ask: When will you need the money?

If you aren’t sure:

• A high-yield savings account or money market fund can keep the money liquid and ready to use.

If you’ll need it within the next few years:

• Renew the CD if the rate is competitive and the maturity date matches your timeline.

• Move it to another bank or brokerage account if you can find a better rate or term.

• Consider CDs or Treasuries with different maturity dates so the money doesn’t all become available at once.

If you won’t need it for 5+ years:

• Consider investing it for long-term growth. Depending on the investments, this may also be more tax-efficient than CD or money market interest.

Rate matters, but it shouldn’t be all you look at. Think about when you’ll need the money, then look at the rate, liquidity, and taxes.

For example, Treasury interest is exempt from state income tax, CD interest is not.

09/02/2026

For a small business, the loss of a key person could cause financial hardship.

08/31/2026

Learn more about whether you need to pay estimated taxes.

Have income that isn’t subject to tax withholding? Or insufficient withholdings? You may have to pay estimated taxes.

08/28/2026

If you want to avoid any potential surprises at tax time, it may make sense to know where you stand when it comes to the AMT.

If you want to avoid potential surprises at tax time, it may make sense to know where you stand when it comes to the AMT.

08/26/2026

We're happy to announce the newest member of our team, Noah Ingalls!

Thank you to all of our clients who have supported us and helped our practice continue to grow.

Adding team members with different areas of knowledge and expertise adds a ton of value for our clients.

Read more about Noah below:

08/26/2026

This time of year, you may hear the phrase "tax-loss harvesting." Before moving ahead, it's best to get some guidance from a financial professional who is familiar with the strategy.

08/24/2026

Does your insurance cover you if you get into an accident with an uninsured driver?

You’re hit by an uninsured driver. Now what? Are you protected against financial losses?

08/21/2026

Concerned about the social impact of your investments?

For some, the social impact of investing is just as important as the return, perhaps more important.

08/19/2026

Insurance is designed to protect you from financial loss, but filing a claim may cost you more in the long run.

Learn when it may not make sense to file a claim on your home insurance.

08/17/2026

Want to test your life insurance knowledge? Take our quiz and find out where you rank.

How much do you know about one of the most important tools you have to help protect your and your family’s financial future?