Rich Carmel, Financial Advisor

10/25/2026

Market swings tempt many near-retirees to move to cash. A financial coach explains when it’s smart planning and what to ask before you sell.

10/24/2026

World renowned Harvard psychologist Arthur Brooks explains why meaning is in fact your most important career skill and mastering it can change your trajectory.

10/23/2026

Three things for an employee to look at if your ESOP company is sold:

1️⃣ What does this mean for you financially? It’s important to be clear on the details – price per share, deal structure, and your voting rights are all important considerations.

2️⃣ How and when you’ll get paid – this varies, so it is important to be clear on the details about vesting, payout timing, and form of payment to expect.

3️⃣ Taxes and distribution options – for many employees, this may be the largest sum of money ever received, so it’s important to understand how it is taxed and how it fits in your overall financial plan.

Don’t go it alone – I can help you understand these considerations and more. Let’s connect.

10/23/2026

Second-guessing can look like good judgment—until your best ideas never make it past the starting line.

10/22/2026

A U.S. trade pact with Europe could encompass friendly democracies and revive the old alliance.

10/22/2026

The best financial lessons often start at home. As Halloween approaches, consider using candy budgets, costume spending, or trick-or-treat rewards as opportunities to teach children healthy money habits.

This Halloween, candy as currency can become a lesson on budgeting, market value, even taxes. This article covers suggested lessons parents can teach kids.

10/22/2026

Check out this guide for tax-smart giving strategies to consider before year-end: https://bit.ly/4shaA7s

Ready to start building your plan? Reach out today.

10/21/2026

In the contrarian logic of investing, rising interest rates have made bonds much more attractive, New York Times columnist Jeff Sommer says.

10/20/2026

Being everyone’s favorite colleague has hidden costs. Discover how workplace popularity creates emotional labor, invisible responsibilities and career risks.

10/20/2026

As your life evolves, your insurance needs may change too. Learn how term-to-permanent conversions work and whether permanent life insurance or the use of an available conversion option may be appropriate for your situation.

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