Insuring against the unexpected is a vital element of any financial plan. For the most part, individuals are familiar with life insurance and health insurance policies, but take little action to protect their greatest asset—their ability to earn an income. Disability insurance hedges against this risk by providing income replacement should illness or injury jeopardize the physical capability to work. It’s easy to disregard the need for disability insurance if you don’t have... Read More

No Refund + No Payment = You’re Doing Something Right:  Managing Your Tax Liability The Trump administration enacted some major tax laws last year that taxpayers are starting to feel in diminished income tax refunds or higher payments in 2019. Essentially, the Tax Cuts and Jobs Act cut rates for taxpayers of every tax bracket, but also eliminated a great deal of deductions. This meant that most taxpayers had less tax withheld in 2018, slightly inflating their paychecks... Read More

Could a Health Savings Account Be Right for You? Since their inception in 2003, the popularity of Health Savings Accounts (HSAs) has been on the rise. For years it was the lesser known of the tax-advantaged retirement saving options, but more and more Americans are taking advantage of the opportunities HSAs afford to (1) reduce taxable income, (2) pay medical expenses with pre-tax money, and (3) increase savings for retirement. What is a Health Savings Account? Health Savings... Read More

Resolve to Prioritize Financial Wellness in 2019 December is not only a month to celebrate the holidays with family and friends, but the last month of the year—our final opportunity to look back over the past twelve months and evaluate our personal and professional progresses. Did you make any resolutions for 2018? How well did you stick to reaching those goals? What will you resolve to do differently in 2019? The New Year provides us a fresh start to overhaul any areas in our... Read More

5 Financial Moves to Consider Before the New Year With the end of the year rapidly approaching, finding time for a thorough year-end inventory of your finances may be difficult. However, putting it off until after the New Year could cost you. Here we have compiled a list of several strategies that will help you realize hard-dollar savings on next year’s tax liability and prepare you for financial success in 2019. 1) Maximizing Contributions to Tax-Advantaged Retirement Accounts... Read More