Publications,
Insights & News

There are many misunderstandings about what an advisor will do for you. I plan to share the top 5 values a GOOD advisor can bring you.

One of the common questions I get from an ND is how to start a retirement plan for themselves and their employees, and which one to choose. There are many types of plans out there and so it can be confusing or overwhelming to make a choice. This can then cause no choice to be made.

A lot of times we think of Financial Success as coming from a long period of high rate of return. The problem with this is, life doesn't happen the way we planned. Many problems and opportunities arrive that we are not properly prepared for.

I have designed hundreds of Financial Plans. Most of these plans are built around having different buckets of money. This article will explain those. Unfortunately, most only have 2. They are missing the 3rd.

If you’ve accidentally deleted or misplaced a financial document, you already understand the importance of backing up your important files. However, saving your financial documents to an external hard drive is only part of the battle. To truly safeguard your documents, try to keep them saved in at least three places. This could include your computer, an external hard drive, or a cloud service of your choice. This way, if your local storage, such as your computer or hard drive, is damaged, you can restore your files using the cloud. Saving your files this way is perfect when your computer or external storage are both damaged by a power surge, malware, or a computer virus.1

Last year, the U.S. Bureau of Labor Statistics announced that 4.5 million Americans, or 3% of the entire workforce, quit their jobs in November of 2021.1 Although shocking at the time November was just another record-breaking month in a string of record-breaking months. Named "The Great Resignation" by many, this phenomenon can be seen across nearly all industries.

What is unfolding in Ukraine is extremely troubling. As Russia presses its military advantage, it is inspiring to see Ukrainians defending their country. And while the images of fleeing refugees and bombed out maternity wards create strong emotions, as your financial advisor, we’re here to help you keep those emotions in check as it relates to your financial planning.

The Russia-Ukraine war is a humanitarian disaster. While this latest insight focuses on the impact of the war on global economies and markets, in hopes for a resolution to this humanitarian crisis, be reminded of this quote by Franklin Delano Roosevelt: “More than an end to war, we want an end to the beginnings of all war”.

We hear a lot about net worth, but what exactly does net worth mean and why does it matter? Here, let’s learn more about what your net worth is, how to calculate it and the role it plays in your investment strategy and finances.

According to the US Department of Education, the total amount owed in federal student loans was $1.37 trillion in 2017, and education costs continue to rise.1 Many people pursuing a college education may find themselves taking out student loans and may also wonder if they should refinance their student loans to save money on interest.

The new year is here, and your resolutions are probably well underway. While you may set goals to get more physically fit, it is also important to consider your financial fitness going into the new year. If your finances are not where you want them to be, or maybe they need a little tune-up, the six tips below will help you get your finances in shape.

Reaching retirement can feel like crossing the finish line at the end of a 30-, 40- or even 50-year-long marathon. Therefore, many of us look forward to the endless vacation days and the rest and relaxation of retirement. Although a life with no alarm clock is something we dream about, the truth is that retirement really throws a wrench in how we view our money, and the switch from receiving structured, employment-driven income to drawing down investment accounts can be harder than we realize.