Money Concepts

07/22/2026

If you are investigating various employer-sponsored retirement plans for your business, keep in mind that each plan has advantages and disadvantages. Ask a plan professional to help you determine which plan will work best for your business.

07/20/2026

When do you plan to retire? What kind of lifestyle do you desire? How much do you have right now that you can count on for your retirement? What about Social Security; do you know what kind of benefits you can expect? These are all factors you will need to consider when you determine how much you'll...

07/17/2026

A money purchase plan is a type of defined-contribution plan that is similar to a profit-sharing plan, except that the contribution amounts are fixed rather than variable. Thus, employers are required to make annual contributions to each employee's account regardless of the company's profitability f

07/15/2026

Interest rates on key types of loans are expected to hover in their recent range, or increase as the year goes on, according to forecasters. Persistent inflation concerns among investors are likely to keep mortgage rates elevated.

07/13/2026

A new data point shows that financial literacy is not just low, but deteriorating.

07/10/2026

Financial independence is freedom from the financial obstacles that are keeping you from living life on your own terms.

07/08/2026

What happens when a stable career and a promising side business both start demanding your full attention?

07/06/2026

Don’t Let Sequence of Returns Risk Derail Your Retirement
Most people focus on average market returns — but what happens in the early years of retirement can matter even more.
Sequence of Returns Risk is the danger that a string of bad market years right when you start withdrawing from your portfolio can permanently damage your savings. Even if the long-term averages look fine, poor timing can force you to sell investments at low prices, leaving less money to recover when the market rebounds.
The good news? This risk can be managed with smart planning — proper asset allocation, flexible withdrawal strategies, and income sources that aren’t tied to the market.
If you’re within 5–10 years of retirement, this is one risk you can’t afford to ignore.
Want to see how your plan holds up? DM me or comment “SEQUENCE” below and I’ll reach out.

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07/06/2026

Psychologists have identified two unglamorous habits — not income or discipline — that reliably predict long-term financial success. Here's what they are.

07/04/2026

Happy 250th Independence Day!