Ideas and Answers

With the drastic reduction in defined benefit plans offered by most public companies and the more popular defined contribution plans like 401(k)s, investment choices and the corresponding investment risk are now the responsibility of the plan participant.  Unfortunately, too often, plan participants make random investment choices without sufficient research or knowledge of basic concepts of diversification, market risk or how to evaluate fund managers.   

​Having children changes everything, especially your finances. When it comes to long-term planning, a lot of parents have a hard time figuring out whether they should save for their own retirement or build a college fund for their children. 
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As you near retirement age, you should already have a significant amount of retirement savings but that doesn’t mean you shouldn’t protect what you have and continue looking for growth opportunities. 
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Most people see the new year as a fresh start. It’s a blank page where you can start writing a new story, laying out new goals and setting the groundwork for the year to come. 
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The holiday season is a great time to score some major shopping deals but it isn’t always easy to stick to your budget. Stores offer huge discounts, gift card promotions, and free shipping to draw you in, hoping that you’ll overspend on items that aren’t on sale.
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The holiday season is upon us but, if you’re a small business owner, odds are you’ve already been preparing for weeks. After spending countless days getting ready, it can be hard for small business owners to put their plans into action while coping with the rush of customers and the increase in demands.
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​More than 40% of new college students admit that they don’t feel ready to manage their finances. Most choose avoidance and are often afraid to delve into their bank accounts because they’re afraid of what they might find. 

So many of our clients come to us within a few short years or less before they plan on retiring.  Once they do, they say they visualized a retirement far different from the one they actually are experiencing. Before they stopped working, they thought retirement would be a carefree life where they could do what they want when they want.  They imagine there will be no financial issues and few responsibilities.
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Here are some of the most buzzed-about things in the retirement industry today. 
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There are a lot of news stories about how modern advancements like artificial intelligence and online privacy concerns affect big businesses but what about small ones? How do these trends influence entrepreneurs and how does someone approach starting a small business in this day and age? 
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