
3 Low-Risk Alternatives to Keeping Money in Cash
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.
Read Article

How Much Life Insurance Do I Need?
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.
Read Article

What is an "After-Tax 401(k) Contribution" and Should I Be Doing It?
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.
Read Article

Top 5 Money Mistakes Parents Make when Saving and Paying for College
If you’re a parent, it’s never too early to start planning for your child’s college education. The cost to attend college is steadily rising every year.
Luckily, there are several ways to pay for your child’s college education without putting them into debt. If you plan now, you can set your child up to attend college with plenty of money in place to cover the costs.
Read Article

When Does An Annuity Make Sense?
Planning for retirement is too important to leave to chance. Life expectancy is increasing with every decade, which is great news. However, it also means that preparing for retirement needs a fresh perspective.
Read Article

Should I Create An Online Will Or Hire An Attorney?
We all know we need a will so that our affairs will be in order and our last wishes carried out once we have passed on. But did you know you have options when it comes to creating a will? You may have heard that you can actually do-it-yourself when it comes to creating a will, and it is fairly easy to accomplish online.There are a few considerations to make, however, before going this route.
Read Article

Why A Flat Fee Advisory Model Makes Sense
Many financial advisors charge clients via commissions, an AUM fee, a combination of fees and commissions, or an hourly rate. These methods guarantee that the financial advisor sees a healthy return for their time and effort.
However, they may not be the best method for your wallet.
Read Article

Four Reasons to Save and Invest Instead of Paying Off Your Mortgage
Paying off a primary mortgage is important, which is why so many people give it priority over other financial goals. However, this might not always be the best method to grow your wealth. A mortgage can definitely hinder your ability to save, but there are some situations where saving and investing should come first.
Read Article

How to Manage Your Budget with a Variable Income
Setting a manageable budget is hard enough on a fixed income. After all, emergencies or unplanned expenses can add a lot of variables to your budget, even if your income doesn’t change. So what happens when your income changes from month to month? How can you set a budget that works for you?
Read Article