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What Are the 2 Types of Risk – And Can an Advisor Do Anything About It?
In investing, risk isn’t binary—it’s a spectrum. Advisors help manage unsystematic risks like business or regulatory issues through diversification and planning. While systematic risks like inflation or geopolitical events can’t be controlled, advisors prepare clients to navigate them with confidence. It’s not about predicting the future—it’s about being ready for it. Ready to build resilience into your plan? Let’s talk.
Joseph Browning
2 days ago2 min read


The Death of the Dollar Has Been Greatly Exaggerated
The idea that the U.S. dollar is on the verge of collapse is largely hype. Despite rising debt and global tensions, no other currency offers the trust, liquidity, and stability of the dollar. The U.S. economy’s size, innovation, and rule of law keep it at the center of global finance. While headlines fuel fear, the dollar’s dominance remains strong. Long-term investors are wise to stay steady and not be swayed by doomsday predictions.

John-Mark Young
3 days ago6 min read


John-Mark Young Named to AdvisorHub’s “Advisors to Watch” for Third Straight Year
John-Mark Young, CFP®, was named to AdvisorHub’s “Advisors to Watch” for the third year in a row — one of only 11 RIA-based advisors in Ohio and 10 in Florida. As a fiduciary RIA, Whitaker-Myers Wealth Managers offers independent, client-first advice with no revenue sharing. “We are so thankful for our clients and their trust,” says John-Mark. “Your referrals and relationships mean the world to us — and we pray for you weekly!”

Whitaker Myers
Jun 212 min read


Geopolitical Conflicts: Understanding Market Implications for Investors
Rising tensions between Israel and Iran have led to market volatility and energy price swings. While geopolitical events can cause short-term disruption, history shows markets typically recover. Investors should avoid overreacting and stay focused on long-term goals. U.S. energy independence helps buffer economic risks, and diversified portfolios remain the best defense in uncertain times.

Summit Puri
Jun 174 min read


The RMD–IRMAA Trap: How to Protect Yourself from Surprise Medicare Hikes
Large IRA or 401(k) balances can trigger Medicare surcharges through IRMAA once Required Minimum Distributions (RMDs) begin at age 73. Even modest withdrawals can push income over IRMAA thresholds, raising Medicare Part B and D premiums. Strategies like Roth conversions, Qualified Charitable Distributions (QCDs), and delaying Social Security can help reduce future IRMAA exposure. Speak with a Whitaker-Myers advisor to protect your retirement income.

Clay Reynolds
Jun 163 min read


When should I buy a Home?
Buying a home is a major financial decision influenced by interest rates, housing prices, and your personal readiness. While market timing matters, the best time to buy is when you're financially prepared—debt-free, with a full emergency fund, and savings for a down payment. Follow Dave Ramsey’s Baby Steps and consider your long-term goals. For personalized guidance, speak with a Whitaker-Myers financial advisor today.

Drew Hodgson
Jun 164 min read


Understanding Behavioral Biases in Investing
Investor psychology plays a powerful role in decision-making, especially during market volatility. Common behavioral biases like loss aversion, herd mentality, overconfidence, recency bias, and anchoring can lead to emotional and costly investment choices. By understanding these biases and focusing on long-term goals, diversification, and a solid financial plan—ideally with professional guidance—investors can stay disciplined and make smarter decisions.

Mica McKenna
Jun 102 min read


The Bull Case for the U.S. Debt Situation: Why America's Balance Sheet Is Stronger Than It Seems
While headlines scream about rising U.S. debt, the real story might be more hopeful. From untapped national assets to a coming wave of AI-driven productivity, America’s balance sheet may be stronger than it seems. In this article, we explore why debt-to-GDP headlines don’t tell the full story—and why long-term investors can remain confident in the nation’s resilience and capacity to grow through innovation, strength, and strategic planning.

John-Mark Young
Jun 85 min read


Do You Want to Get Rich or Build Wealth?
Getting rich and building wealth aren't the same. Riches can come fast and disappear just as quickly. Wealth is built over time—through discipline, smart investing, and long-term planning. One is flashy; the other is lasting. At Whitaker-Myers, we help you take the steady, proven path to true financial security. Don't just get rich—build wealth that lasts.

Matthew Harris
Jun 34 min read


Recession Q & A
A recession is a period of economic decline, often marked by reduced spending, job cuts, and falling GDP. While headlines may predict it, we usually only recognize a recession in hindsight through lagging indicators like unemployment and corporate earnings. Market downturns can create long-term opportunities for investors, but strategies vary by situation. Always consult a financial advisor to navigate uncertain times and protect your financial goals.

Nick Allen
Jun 33 min read


Saving Money for Future Needs – Like Vacation!
A sinking fund is a smart way to save for future needs—like vacations—without going into debt. By budgeting monthly for expenses such as travel, food, and activities, you can enjoy guilt-free time with your family. Start small with staycations, use tools like the envelope system, and involve your family in the planning process. With discipline and a clear plan, you can create lasting memories while staying on track financially.
Joe Mains
May 273 min read


Whitaker-Myers Wealth Managers Chief Compliance Officer Kelly Taylor Earns Prestigious IACCP® Designation
Kelly Taylor Chief Compliance Officer at Whitaker-Myers Wealth Managers, has earned the Investment Adviser Certified Compliance Professional (IACCP®) designation—an achievement that reflects her deep expertise and commitment to regulatory excellence. The IACCP® program is a rigorous, ethics-centered certification for compliance leaders in the investment advisory space. Kelly’s leadership strengthens our ability to deliver client-first service rooted in integrity, transparency

John-Mark Young
May 211 min read


Baby Step 4 Savings Explained
Baby Step 4 of the Ramsey Plan recommends saving 15% of your gross income for retirement. This guide explains how to structure those savings using a 401(k), Roth IRA, or taxable brokerage depending on your income, filing status, and employer plan access. Key rule: “Match beats Roth, Roth beats Pre-Tax.” Whether you're single or married, with or without a plan, there’s a strategy to fit your situation. Consult a financial advisor to create a plan that works for you.

Kelly Kranstuber
May 196 min read


The U.S. National Debt - Can it be fixed?
The U.S. faces a $36 trillion national debt and a $1.8 trillion deficit. With most revenue tied up in mandatory spending, there’s little left for other needs. Cutting discretionary spending alone won’t balance the budget—economic growth, increased tax revenue, or reduced defense spending are needed. Efforts like DOGE help reduce waste, but long-term discipline and smart policy are essential. Like personal finance, fixing national debt requires focus and tough choices.

Jake Buckwalter
May 193 min read


Special Update: What U.S.-China Trade Progress Means for Investors
Markets rallied after news broke that the U.S. and China reached a 90-day trade agreement, reversing many of the April tariffs. Tariffs on Chinese goods dropped to 30%, and China’s on U.S. goods fell to 10%. President Trump’s tweet about 80% tariffs sparked concern, but Sunday night futures surged, erasing losses. This shift reduces uncertainty and mirrors 2018–2019 patterns. Long-term investors should stay focused, as history shows markets rebound once clarity returns.

John-Mark Young
May 125 min read


The Benefits—and Limits—of a Revocable Living Trust in Estate Planning
A revocable living trust helps avoid probate, ensures privacy, and provides continuity if you’re incapacitated. But it doesn’t protect assets from lawsuits or help with Medicaid eligibility. It also doesn’t reduce taxes. To fill those gaps, consider an umbrella liability policy for asset protection and long-term care insurance for nursing home costs. A trust is a great start—but a complete plan requires more.

John-Mark Young
May 73 min read


Navigating Tariffs with Dave Ramsey’s Four Investment Categories
Tariffs can greatly impact investments, and Dave Ramsey’s four categories—Growth, Growth & Income, Aggressive Growth, and International—respond differently. Growth stocks may be hit hardest, while Aggressive Growth and International companies may benefit. Diversifying across all four can help reduce risk. Understanding these effects with the help of a financial advisor can guide smarter investing in uncertain times.

David Gearhart
May 54 min read


Breaking Free from Concentrated Stock Risk: How Section 351 ETF Conversions Empower Investors
How to use section 351 ETF conversion to diversify concentrated stock positions.

John-Mark Young
May 24 min read


What is a CERTIFIED FINANCIAL PLANNER® (CFP®) Professional?
Not all financial advisors are created equal. A CERTIFIED FINANCIAL PLANNER® (CFP®) stands out for their fiduciary duty, rigorous training, and ethical standards. CFP® professionals offer holistic planning, objective advice, and a commitment to your best interests. With trusted credentials and dedication, they provide peace of mind in your financial journey. Choose wisely—your financial future depends on it.

Whitaker Myers
Apr 283 min read


John-Mark Young Earns the Prestigious CFP® Certification
John-Mark Young has officially earned the Certified Financial Planner® certification after 14 months of study and dedication.

Whitaker Myers
Apr 221 min read
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