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WHY ARE SINKING FUNDS SOMETHING I SHOULD KNOW ABOUT?
The word “sinking” can be a little intimidating when you associate it with your money, but in reality, a sinking fund can be a way to...
Lindsey Curry
Feb 4, 20224 min read
MARKET VOLATILITY RETURNS - JANUARY 2022
Do you ever go through something that you know is not going to be pleasant but ultimately is for your own good? I feel that way every...
John-Mark Young
Jan 24, 20224 min read
CRAWL, WALK AND THEN RUN TO FINANCIAL PEACE
Ideas include: You must crawl before you can walk, and then build wealth One step at a time to saving for your future How the 7 baby...
Lindsey Curry
Jan 23, 20226 min read
SOARING WITH INFLATION
During Dave Ramsey’s Livestream event, on 1/13/2022, he and fellow Ramsey personalities Rachel Cruze and George Kamel briefly discussed...
Logan Doup
Jan 23, 20223 min read
RAMSEY SOLUTIONS - BUILDING WEALTH LIVE STREAM SUMMARY
Proverbs 13:11 (NIV): “Dishonest money dwindles away, buy whoever gathers money little by little makes it grow.” Tonight’s talk started...
Logan Doup
Jan 18, 20224 min read
CHANGES TO RETIREMENT PLAN CONTRIBUTION LIMITS IN 2022
The IRS recently announced that next year taxpayers can put an extra $1,000 into their 401(k) plans, an extra $1,000 in SIMPLE IRA Plans...
John-Mark Young
Jan 1, 20221 min read
2022 INVESTMENT OUTLOOK
Welcome to 2022! What a year 2021 was – coming out of 2020 and the COVID lockdowns we anticipated a strong market and that is certainly...
John-Mark Young
Jan 1, 20225 min read
ROTH VS. PRE-TAX (TRADITIONAL) RETIREMENT CONTRIBUTIONS FOR THE 60+ CROWD
Who remembers their senior year of high school? You’ve completed at least 12 years of school already, perhaps even more with pre-school,...
John-Mark Young
Dec 13, 20214 min read
YOUR GUIDE TO “BENEFICIARIES”
Building wealth can be an important part of financial planning, since it can help you enjoy life and provide for your family. But as the...
Whitaker Myers
Oct 28, 20212 min read
IMPACT OF INFLATION - SOCIAL SECURITY BENEFITS
Social Security offers a 5.9% cost-of-living adjustment. What if I am delaying my benefits? The Social Security Administration officially published the 5.9% cost-of-living adjustment (COLA). The 5.9% COLA increase is the largest adjustment to the benefit in 39 years. So how does this affect those delaying their benefit? First, let’s start with how Social Security calculates the COLA, and then, how those both receiving the benefit and delaying the benefit are affected. COLAs h
Whitaker Myers
Oct 22, 20212 min read
FINANCIAL PLAN VS. ESTATE PLAN: WHAT'S THE DIFFERENCE?
A financial plan is, at its core, a look at your current financial health and a map to help you reach your goals. It usually looks at...
Whitaker Myers
Sep 28, 20214 min read
MAXING OUT A 401(K) PLAN TOO EARLY
Disclosure: This article will most likely apply to high-income earners or those that are financially healthy and extremely aggressive savers. Let me just start off with mentioning that if you are maxing out your Roth IRA & 401(k) year in and year out, this is a great choice for your future as long as other financial factors allow you to do so. A quick reminder on current (2021) contribution limits for these two accounts are as follows: Roth IRA - $6,000/year (under age 50), $
Whitaker Myers
Aug 24, 20212 min read
BACK TO SCHOOL BUDGETS
It's back to school time which means stores are filled with parents and their kids, picking out all the items needed to start a new...
Whitaker Myers
Aug 12, 20214 min read
PROTECT YOUR INCOME: BUY DISABILITY INSURANCE
We often talk about the reason you should remove debt from your life is because it eats away at the largest wealth building tool that you...
John-Mark Young
Aug 3, 20215 min read
COMPOUND INTEREST
Compounding interest is a concept that many people are familiar with, especially in the investing world, and it can most simply be thought of as “interest that you have already earned that is earning interest on itself.” Not only is this a valuable phenomenon when achieved with long-term investing, but can be extremely detrimental when the lender is earning compounded interest on you. (Yes, to no surprise, we are talking about debt!) Albert Einstein and Dave Ramsey do have th
Whitaker Myers
Jul 28, 20212 min read
CHILD TAX PAYMENTS - INVEST FOR YOUR CHILD?
Many of Americans woke up to a surprise in their bank accounts last Thursday morning. An extra deposit, they may or may not have been...
John-Mark Young
Jul 20, 20214 min read
A LITTLE-KNOWN TRICK TO TURBO CHARGE YOUR ROTH CONTRIBUTIONS
In 1989, Senator Bob Packwood of Oregon, and Senator William Roth of Delaware, proposed the idea of what they termed at the time, the...
John-Mark Young
Jul 13, 20214 min read
HEALTH INSURANCE FOR THE PRE 65 RETIREE
Everyone views retirement a little differently. Some folks love their career and want to continue pursuing their passion for as long as...
John-Mark Young
Jun 8, 20215 min read
NEW MONTHLY REPORTING AVAILABLE
Financial Advisors with the heart of a teacher. It’s one of the first things you see on our website. It’s one of the sayings you’ll hear...
John-Mark Young
Jun 8, 20213 min read
ROTH CONVERSIONS - IDEAS TO CONSIDER
An all to common scenario in our office is, Client A walks in, has done an excellent job of saving money, presumably enough money to...
John-Mark Young
May 18, 20213 min read
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