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Everything from gas to groceries, loan rates and car prices continue to rise. While everyone has their own personal inflation rate (the amount your monthly expenses have increased based on goods and services you buy), you may not want or need to cut back on certain types of spending. That doesn't mean you can't try to recoup some of the increased costs to your lifestyle somehow.
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There are distinct differences between professionals based on their formal business structure and credentials that determine how clients are served, what services a financial professional can offer, and how they are paid. Understanding these distinctions is helpful in determining the qualifications of a financial professional and the types of services they offer.
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When it comes to working with a financial advisor, you may not know where to start. There are many different types of financial professionals out there who can help you with any range of financial needs you may have, but fee-only financial advisors can occupy an important role in people’s financial lives. Here are five important things most everyday people don’t realize a fee-only financial advisor does.
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Health Savings Accounts also referred to as HSAs, can be a powerful financial tool in your pursuit to maximize your dollars and build wealth. Here are seven good reasons to open a Health Savings Account and use it as part of your overall wealth-building strategy.
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We’re fielding questions about Employee Stock Purchase Plans (ESPP) more and more it seems. More often than not, these offerings are made available by mid-size to large, well established, publicly traded companies as an additional incentive for long-term savings in the form of stock ownership.
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Classic investments, like stocks, are not the only investments taxed by capital gains. Capital gains taxes can apply to any other property that acquires value over time. Buying and selling things like real estate, collectibles, precious metals, etc. can all generate capital gains. We’re reviewing how capital gains taxes are determined and how they affect other areas of your financial plan come tax time.
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While a savings account is as low-risk as you can get in terms of money accounts, many people are willing to embrace some risk if it means a better return on their investment. The good news is that there are several low-risk options available to put that cash where it can grow, yet still be available in the short term when you need it.
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Life is full of uncertainty. When it comes to financial planning, life insurance needs to be a priority. Although it is not an enjoyable topic, death is inevitable for all of us. If you have loved ones who depend on your financial support, however, then you need to make sure you have a plan in place to take care of them in the event you should pass.
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Your standard 401(k) contribution limits don’t have to stop you from getting even more tax-advantaged savings, allowing you to responsibly save even more for retirement. In fact, if you’ve maxed out your annual contribution limit, you can still take advantage of an after-tax 401(k) contribution.
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