Senior Financial Planning

Benefit. Premium. Policyholder. Learn the language before evaluating your options.

Is Term Life Insurance for You? Term insurance is the simplest form of life insurance. Here's how it works.

The fears that dragged on the stock market since August evaporated in November as fresh inflation data reaffirmed continuing progress in the fight against rising prices.

Monthly Market Insights | December 2023 The Dow Jones Industrial Average gained 8.77 percent, while the Standard & Poor’s 500 Index advanced 8.92 percent. The Nasdaq Composite, which has led all year, picked up 10.70 percent.1

Some firms create a “sources and uses of funds” statement to evaluate operations. What does yours say?

What Is My Current Cash Flow? Assess whether you are running “in the black” or “in the red” each month.

Just entering retirement? Here's what you need to know.

9 Facts About Retirement Regardless of how you approach retirement, there are some things about it that might surprise you.

🚨🔒 Important Alert: Scam cases are on the rise!

According to a recent report, losses due to scams amounted to $545 million in just the first half of 2021.

Noteworthy points:
🔹 Scammers are using sophisticated tactics, including romance and investment scams.
🔹 A significant increase in "grandparents scams" has been observed, highlighting the vulnerability of our elderly population.
🔹 Banks are escalating efforts to educate customers about these scams and how to avoid them.

Remember, it's vital to verify any requests for money transfers or personal information. Let's stay vigilant and protect ourselves from these fraudulent activities! 💪🔒

How to talk to older people in your life about scams Last year, consumers lost $8.8 billion to scammers, and the Federal Trade Commission says older adults lost the most money compared to other age groups.

What Happens To Your Employer-Sponsored Retirement Accounts When You Change Jobs? Find out in our latest video.

Retirement Accounts When You Change Your Job This video discusses issues related to your retirement accounts when you move on from your job.

Considering a vacation home? 5 questions to determine if you’re ready.

Buying a Vacation Home? 5 Questions to Consider First You may be considering purchasing a vacation property, this can be an exciting milestone, but there are a few things to consider first.

How much is enough for your emergency fund?

Your Emergency Fund: How Much Is Enough? Having an emergency fund may help alleviate the stress and worry associated with a financial crisis.

What would you rather have: $500 today or a 50% chance at $2,000 tomorrow? Know your risk profile.

What Is My Risk Tolerance? This questionnaire will help determine your tolerance for investment risk.

Compound interest can dramatically impact the future growth of your assets. Learn more.

How Compound Interest Works Use this calculator to better see the potential impact of compound interest on an asset.

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.

Bulls and bears, oh my! Why are the financial markets full of animals? Read on to learn what these terms mean, and the history of bull and bear markets.

Bull & Bear Markets: A Timeline This helpful infographic will define bull and bear markets, as well as give a historical overview.

🔍🌊🏺 An incredible discovery has been made off the coast of Sardinia, where tens of thousands of ancient bronze coins were found!

🔹 The coins, dating from the first half of the fourth century, were spotted by a diver who alerted authorities.

🔹 The culture ministry's undersea archaeology department and art protection squad were involved in the recovery.

🔹 The exact number of coins is still being determined, but estimates range from 30,000 to 50,000! 😲

🔹 Notably, all the coins were in an excellent and rare state of preservation. 🏛️

Luigi La Rocca, a Sardinian archaeology department official, said this find represents "one of the most important coin discoveries" in recent years.

With the location and shape of the seabed, there could be remains of a shipwreck nearby!

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Tens of thousands of ancient coins have been found off Sardinia. They may be spoils of a shipwreck A diver who spotted something metallic not far from Sardinia’s coast has led to the discovery of tens of thousands of ancient bronze coins.

How prepared are you for retirement?

The Pre-Retirement Checklist This checklist can give you a quick snapshot of how prepared you are.

Assets minus liabilities = net worth. When was the last time you calculated yours?

What Is My Current Net Worth? Use this calculator to estimate your net worth by adding up your assets and subtracting your liabilities.

Investors faced challenges as stocks moved lower due to multiple headwinds, including rising bond yields and geopolitical tensions. However, many remain confident as they look for initial indications of consumer strength by gauging early holiday shopping levels.

Monthly Market Insights | November 2023 Rising bond yields, geopolitical tensions, sticky inflation, and mixed earnings reports combined to push stocks lower last month.

Tax freedom day: the day you begin earning money for yourself.

Tax Freedom Day Assess how many days you'll work to pay your federal tax liability.

🎉🌟 Exciting news! 🌟🎉 The largest swing set in North America is now open in Philadelphia! 🙌🎢

The Skyline Swing, located at the Anna C. Verna Playground in FDR Park, is an oval structure made up of 20 swings. This mega swing is not only massive but also accessible to people of all ages and abilities. 🌈👧👴 It features various types of swings, including conventional swings, spinners, multi-person swings, swings with backs, and even tire swings. 🤸‍♀️🌈

The Anna C. Verna Playground, which houses the Skyline Swing, is just one part of the 3-acre playground area. The swingscape itself is about the size of a Major League Baseball infield! ⚾️🌳

Philadelphia Parks and Recreation Commissioner Orlando Rendon believes that the revitalization of FDR Park will profoundly impact the surrounding community. 🏞️🏙

America's largest swing set now open in Philadelphia The Skyline Swing, billed as the largest swing set in the U.S. and in North America, has opened in Philadelphia.

Are dividends a key component when evaluating investment opportunities? Learn more.

What Is the Dividend Yield? This calculator helps determine your pre-tax and after-tax dividend yield on a particular stock.

The financial risks to consider when evaluating self insurance?

When to Self-Insure Choosing to bear the financial burden of an adverse event is called self-insuring. Do you know what that entails?

Medicare doesn’t have to be a complicated topic. Here we break down the basics of Medicare, and what you need to know to qualify. Read more here:

The Basics of Medicare Learn all about Medicare basics in this informative and insightful article.

Tax deferral can have a dramatic affect on the growth of an investment. Know what's at stake.

Annuity Comparison This calculator compares a hypothetical fixed annuity with an account where the interest is taxed each year.

The choice of business structure is not a final decision. You may amend your business structure to your changing needs.

Choosing a Business Structure Entrepreneurs all face the same question, “Which business structure should I adopt?”

These 6 things might make your next return a prime target for an IRS audit.

Red Flags for Tax Auditors Here are six flags that may make your tax return prime for an IRS audit.

This video asks the right questions about how you can save money for retirement without sacrificing your quality of life.

Retirement and Quality of Life Asking the right questions about how you can save money for retirement without sacrificing your quality of life.

There’s 5 phases to changing unhealthy behaviors. Here’s how to do it.

Changing Unhealthy Behaviors Five phases to changing unhealthy behaviors.

Stocks faced headwinds in Q3 as bond yields rose, impacting investor sentiment. With inflation data and interest rates in focus, market watchers anticipate a potential rate hike.

Quarterly Market Insights | Q3 2023 Stocks lost a portion of their first-half gains in the third quarter as a continued tight monetary bias from the Federal Reserve sent bond yields higher, unsettling stock investors throughout August and September.

The you’ve made in your life so far have helped prepare you for the future. We can help, too.

Investments You’ve made investments your whole life. Work with us to help make the most of them.

The average lasts for 18 years. Are you prepared to fill that many days?

18 Years’ Worth of Days The average retirement lasts for 18 years, with many lasting even longer. Will you fill your post-retirement days with purpose?

Are you getting ready to retire? Retirement strategy isn’t entirely financial. Consider these matters in this helpful piece.

Retirement Questions That Have Nothing to Do With Money Things to consider before retirement.

Facing divorce? Don't overlook changes to your insurance coverage.

What You Should Do About Insurance Following a Divorce In the face of divorce, making changes to insurance coverage may be overlooked.

🌳 Discover the hidden gem of Brevard, North Carolina, known as the "Land of Waterfalls," with its stunning natural beauty and unique attractions like the famous white squirrels.

🏞️ Immerse yourself in the lush Pisgah National Forest, home to breathtaking waterfalls like Looking Glass Falls and Moore Cove Falls.

🎶 Experience the vibrant local music and art scene, and catch a show at the open-air Whittington-Pfohl Auditorium at the Brevard Music Center, where music under the stars is pure magic.

🚣‍♀️ Explore the French Broad River through activities like tubing, canoeing, kayaking, and even snorkeling with Oxbow River Snorkeling.

🏛️ Dive into Brevard's rich history by visiting the Transylvania Heritage Museum and The Veterans History Museum of the Carolinas.

This Small Town in North Carolina's 'Land of Waterfalls' Has Famous White Squirrels and Great Live Music and Art Scenes Here’s what you need to know to plan the perfect trip to Brevard, North Carolina.

Medicare doesn’t cover all the health-care expenses you may experience. Enter Medigap.

Understanding the Basics of Medigap Policies Important as it is, Medicare does not cover the full range of health-care expenses you may experience in your golden years.

Turning to coaches for advice is a smart thing to do. We'd like to be one of those coaches.

Coaches Coaches have helped you your whole life, in ways big and small. We'd like to be one of them.

Your investment strategies and personal beliefs don’t have to be mutually exclusive. Learn more about impact investing here:

Investing for Impact Learn how to build a socially conscious investment portfolio and invest in your beliefs.

🚀🌎 NASA Astronaut Sets Record for Longest Trip to Space by an American 🌌👨‍🚀

📅 Frank Rubio will spend 371 consecutive days in space, breaking the previous record!
🛰️ Rubio has been aboard the International Space Station for over 355 days.
🥇 He surpasses retired astronaut Mark Vande Hei's record.
👏 Rubio will be the first American and seventh person overall to spend over a year in space.

NASA Administrator Bill Nelson praised Rubio's achievements, saying, "Frank Rubio's journey in space embodies the essence of exploration. Your dedication is truly out of this world, Frank!" 🌟

In an interview with "Good Morning America," Rubio expressed his honor in holding this record and highlighted the importance of understanding how the human body adapts in space. He emphasized the significance of optimizing this process for future space missions, including the moon, Mars, and beyond. 🌙🚀🪐

Rubio's mission was initially planned for six months, but due to an external leak caused by a micro-meteorite impact, it was extended for an additional six months. The crew will return to Earth later this month. 🛰️🌍

Upon returning, Rubio expects challenges with his equilibrium, walking, and standing upright. He anticipates an intense rehabilitation process lasting from two to six months before returning to normal. 💪🌍

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NASA astronaut breaks record for longest trip to space by an American NASA astronaut Frank Rubio broke a record Monday for the longest mission in space by an American, spending more than 355 days orbiting Earth.

🌌✨ Discover Nevada's 'Starry-est Route' Connecting Dark Sky Parks and Small Towns 🚗🌃

🛣️ Park to Park in the Dark is a 5-hour, 300-mile journey through remote, naturally dark-sky towns.
🌟 Experience breathtaking stargazing along the route, away from light pollution.
🏞️ Start at Great Basin National Park, home to some of the darkest skies in the lower 48 states.
🌠 Explore small towns like Baker, Ely, Tonopah, Goldfield, and Beatty, offering stunning celestial views.
⛺ Camp at designated stargazing spots and witness mesmerizing constellations.
🌅 End your journey at Death Valley National Park, a gold-tier International Dark Sky Park.

This U.S. State Has a Stargazing Route That Connects 2 International Dark Sky Parks and Starry Small Towns Nevada's first astronomy route is remote and perfect for stargazing.

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.

What will your family do if you can't earn an income? Here are steps you can take today.

Disability Income This calculator estimates your chances of becoming disabled and your potential need for disability insurance.