McLoughlin Financial, LLC.

Low car lease payments look great, but do you really save money in the end?

Just a moment...

Pay off debt or invest the money? Things to consider before you commit to either option.

Should I Pay Off Debt or Invest? This calculator will help determine whether you should invest funds or pay down debt.

Are you working with a financial advisor?

Financial advice is more than just numbers and strategies. It’s a collaborative process that can help you feel more confident about reaching your goals. In fact, professional financial advice can add up to 5.1% to portfolio returns over the long term (depending on the time period and how returns are calculated.)*

Things I can help with:

Helping Rollover and manage Retirement Plans from former employers

Starting a Retirement Plan for you if your company doesn’t provide one or you are self employed

Retirement Planning/Financial Planning

Non-Retirement Investment Savings

Inherited IRAs (helping with tax laws and RMDs)

Education Savings Plans and Minor Investment Accounts

Annuities

Life Insurance and Long Term Care Policies/Reviews

And More!

How we’re different than the big firms:

We do more listening than talking

We treat you like a big fish in a small pond

Your goals are just as important to us as they are to you

We aren’t limited on products we are required to use to fit your specific situation

If you haven’t heard from your advisor, are tired of doing it yourself or need advice about your specific financial situation, please email me at [email protected]

Did you know that 1 in 5 Americans have inactive 401(k)s worth thousands of dollars? Don't let your hard-earned money go to waste! Here's how to reclaim yours.

How to find a lost 401(k):
1. Contact your old employer's HR department
2. Check old 401(k) statements for account details
3. Use look-up databases like the National Registry of Unclaimed Retirement Benefits or the National Association of Unclaimed Property Administrators
4. Check the Department of Labor's abandoned plan database

Once you've located your plan, you can:
🔁 Request a direct rollover to your new employer's plan
💼 Transfer the funds into an existing IRA
🤔Cash it out (but beware of taxes and penalties)


Source:

1 in 5 Americans have inactive 401(k)s worth thousands of dollars—here's how to reclaim yours Rolling over an old 401(k) into a new plan can be a pain, but it's typically worth the hassle.

Prescription coverage is handled under Medicare Part D. Unsure if you need this coverage? Read on to learn more:

Prescription Drug Benefits Under Medicare (Part D) Do you need to enroll in Medicare Part D? Read this article to learn more about whether you need this coverage

Bi-weekly mortgage payment can potentially accelerate your mortgage payoff. Sound interesting?

Bi-Weekly Payments This calculator estimates the savings from paying a mortgage bi-weekly instead of monthly.

Happy Father’s Day to the one who started it all!

I am so thankful to be your co-worker, but especially your daughter!

📖 BOOK RECCOMENDATION 📖

With Father’s Day coming up this weekend, I thought I’d share one of my favorite books by a dad.

Dads - this is a great gift to give to your kids!

The average college senior graduates with credit card debt. How will your kids manage money?

Do Your Kids Know The Value of a Silver Spoon? You taught them how to read and how to ride a bike, but have you taught your children how to manage money?

It isn't whether you should have auto insurance - it's what kind you should have.

The ABC’s of Auto Insurance What kind of auto insurance should you have? Do you know?

When was the last time you had a financial checkup?

Let us help you make sure your finances are in order!

When dealing with a divorce, there are some secrets to dealing with the stress, especially when it comes to money.

Budgeting After a Divorce Divorce is the second most stressful time in a person's life. Here's some tips to get through it.

🎓 Congratulations to my nephew, Braden, on his High School Graduation. Good luck at Iowa State in the Fall!

Glad to be visiting with family up North this week.

Stocks rallied in May as investors welcomed upbeat Q1 corporate reports and signs of a Goldilocks economy - not too hot, not too cold. The Dow crossed 40,000 for the first time after cooler inflation data raised hopes for a potential rate adjustment.

Monthly Market Insights | June 2024 Monthly Market Insights | June 2024 U.S. Markets Stocks rose in May as investors cheered upbeat Q1 corporate reports and signs that the economy was still strong while not overheating. The Dow Jones Industrial Average gained 2.30 percent, while the S&P 500 Index added 4.80 percent. The tech-heavy Nas...

Use your car for business? Make sure you're on the same page as your insurance carrier.

When Does Your Personal Car Become a Commercial Vehicle? At what point can you call a personal vehicle commercial?

Attention Estate Executors: Do you know about the Alternate Valuation Date?

Understanding the Alternate Valuation Date Executors can value the estate on the date of death, or on its six-month anniversary —the “Alternate Valuation Date.

One of my husband and I’s favorite tools to use for our personal finances is the EZ Financial Calculators app!

We’ve used it to help us determine our monthly payment when wanting to buy a new car, it’s helped us when buying our new home and it can help with so many other important but quick calculations.

The best part is - it’s FREE in the App Store!

If you need help deciphering the more important and complicated topics like Time Value of Money Calculations for Retirement and Educations Savings, we are here to help!

How much of your estate will Uncle Sam inherit? Estimate your potential estate tax liability.

What's My Potential Estate Tax? This calculator helps estimate your federal estate tax liability.

Every so often my dad will put articles from The Wall Street Journal on my desk for me to read. They range from business articles that will help me become a better Financial Advisor, articles about kids and marriage to help me be a better Wife/Mother, articles about things he knows I’m interested in (certain sports, athletes & fashion) or relevant articles about topics we were just talking about.

He may not know how much I enjoy this, but it makes my day when I see a new article on my desk. I usually save them up to read on the weekend, but when I do get around to reading them it always makes me think of how much he cares about me.

One of the things I admire most about my dad is how he never stops learning. He’s currently learning how to play guitar and is always finding a new topic that interests him to study through The Great Courses.

I am so blessed to have my dad as my boss and to be able to learn from him. Whether it’s through the articles he shares with me or by his actions, he is always teaching. We make an awesome team, and I am excited to grow our business together.

So, thank you, Dad, for always wanting me to be the best I can be in my profession and in life!

You may not be able to stop from wreaking havoc, but can manage some of the financial loss.

Protecting Your Home Against Flood Loss Protect yourself against the damage that your homeowners policy doesn’t cover.

Childhood attitudes and habits can determine your child's health in his or her adult years.

Raising Healthy Children Healthy habits are one of the greatest gifts to give your child.

All those years of work can add up to a small fortune. What's your strategy for your money?

Lifetime of Earnings Estimate how much you have the potential to earn during your working years.

Don’t let this be you!

Let’s meet to discuss your goals so we can develop a financial plan to see when you can retire.

985-302-5073
[email protected]

Do you know what all those emojis you keep seeing in your text messages mean? Here’s a handy guide.

Mastering Mobile Lingo Do you understand these common mobile slang terms?

💐 Happy Mother’s Day! 💐

Creating a home inventory can help you fully recover any property losses you incur. Include these four things.

Inventorying Your Possessions Creating an inventory of your possessions can save you time, money and aggravation in the event you someday suffer losses.

This is funny!

But, I believe that knowledge is power and both spouses should be financially literate. I empower my clients by making sure they have a basic understanding of investing. Never be afraid to ask questions!

April's stocks took a hit due to rising inflation and mixed economic news, despite a late-month rally fueled by strong Q1 reports from two mega-cap tech stocks.

Monthly Market Insights | May 2024 Despite a late-month rally, stocks fell in April as investors struggled with a hotter-than-expected inflation report and mixed news about the economy.

may be important in growing your company, but it may introduce liability. Is your company protected?

Social Media: #NewestBusinessLiabilityRisk Social media may be a modern imperative for businesses looking to grow and build their brand, but it also introduces risk.