Christian Lemke - Commonwealth Financial Group

Way to teach your kids how to save money

Three Ways to Teach Your Kids to Save Money Starting early and practicing what you preach can help you raise disciplined savers despite today’s focus on fear of missing out (FOMO) and instant gratification.

Retirement Benefits Sway Employees to Leave or Stay

Retirement Benefits Sway Employees to Leave–Or Stay TIAA’s new survey found that the majority say that retirement benefits are highly important in deciding whether they will change jobs

10 Facts about a Recession

What is a Recession? 10 Facts You Need to Know Fears of an economic downturn are once again on the rise, but what is a recession, exactly? We tackle this and other questions here.

2023 is bringing many changes for people who are at or near retirement.

The Secure Act 2.0 was signed into law on December 29, 2022, and adds 90+ new retirement plan provisions. Here are some key takeaways:

Holiday Deals: Bargains for Shoppers as Retailers Shed Overstock

Holiday Deals: Bargains for Shoppers as Retailers Shed Overstock Many (though not all) vendors will be turning to discounts and clearances even as inflation eats at their sales.

Our team is thankful for our clients who have entrusted us with their financial security and legacies. We hope you enjoy your holiday surrounded by family and friends!

How to do Friendsgiving on a budget

How To Do Friendsgiving On A Budget I didn’t always have a Friendsgiving tradition in my social circle, but that all changed during the pandemic. In November of 2020, so many of us were

Honoring our heroes today. Happy Veteran’s Day.

Save more for retirement in 2023 thanks to higher IRA and 401K contribution limits

Save More for Retirement in 2023 Thanks to Higher IRA and 401(k) Contribution Limits If you're saving for retirement, you can contribute a lot more to an IRA, 401(k), or other retirement account in 2023.

Medicare costs to go down in 2023

Medicare Costs to Go Down in 2023 Lower-than-expected spending on an expensive drug and other things means beneficiaries will pay less next year.

Happy Halloween!

A great read - The Federal Reserve, inflation and living in times of uncertainty.

https://hearsay.social/3Cb6IN3

Never forget.

How are you soaking up the last days of summer? Happy Labor Day, friends.

Happy Fourth of July!

Tax-smart ways to share the wealth with kids.
Financial Professionals do not provide specific tax/legal advice and this information should not be considered as such. You should always consult your tax/legal advisor regarding your own specific tax/legal situation.

4 Tax-Smart Ways to Share the Wealth with Kids | Kiplinger Providing for future generations shouldn’t be (overly) taxing. To manage taxes as you pass down your assets, look into UTMAs, 529s, child IRAs and trusts.

Celebrating all the fathers out there today. Wishing you the best day with those you hold dear!

Remembering and honoring those who have fallen protecting our freedom. We don’t know them all, but we owe them all.

Why Doctors are Prescribing Nature Walks

www.yahoo.com

Looking for a unique vacation? Here are ten of Europe’s most beautiful train journeys.

10 of Europe's most beautiful train journeys Europe's train lines are some of the most spectacular in the world. Here are some of the most beautiful, from Scotland's Harry Potter train to Italy's knockout views of Vesuvius.

Check out the latest issue of Market Perspectives!
https://hearsay.social/3vWIemt

Pile the crew into your family truckster and hit the road! Let us suggest a single road trip to visit seven national parks.

Best Road Trip: Grand Canyon, Utah National Parks & Great Basin Hit 7 national parks on this trip of a lifetime

5 ways to get out of a work slump

5 ways to get out of a work slump An occasional day of malaise is normal, but if you’re regularly feeling unmotivated, it might be time to consider how to get out of your slump.

3 actions leaders can take to ensure they’re not spreading negative energy

3 actions leaders can take to ensure they’re not spreading negative energy Author Jackie Insinger maintains that connection is one of the most powerful leadership tools. Used in the wrong way, though, it only serves to reinforce the walls people build around themselves.

Getting ready to eat healthy in the new year? Here are some tips to consider.

How To Get The Most Bang For Your Buck From Fruits & Veggies Here's how to get the most nutritional bang for your buck.

It's the holiday season! Here are 7 things to make your guests feel welcome.

7 Things Our Editors Do to Make Holiday Guests Feel Welcome Is your home ready for overnight visitors?

Some inherited assets are tax-friendly, but under new rules, others come with a hefty tax bill. Make sure you get the most out of your legacy.

Financial Professionals do not provide specific tax/legal advice and this information should not be considered as such. You should always consult your tax/legal advisor regarding your own specific tax/legal situation.

Minimizing Taxes When You Inherit Money | Kiplinger Some inherited assets are tax-friendly, but under new rules, others come with a hefty tax bill. We help you get the most out of a legacy.

How to build a habit in 5 steps, according to science.

How to build a habit in 5 steps, according to science Utilizing scientific research can help you be more successful at creating new habits and sticking to them.

January 2022 will be here before you know it. Be aware of the financial data you should gather before the end of the year.

The Financial Data You Should Collect Before 2022 If you’re anything like us, it feels like you blinked and 2021 is almost over. The days may be long, but the years are short, and it’s time to start

Tips to Spice Up Your Fitness Routine

10 Tips to Spice Up Your Fitness Routine A fitness expert explains why a variety of exercises is important. Here are 10 tips to ensure your workout remains effective and interesting.

In September, the House Ways and Means Committee released and approved draft tax legislation. It is important to be informed now so you can be prepared if the draft legislation becomes law. Let’s talk.

Keeping fit and healthy as we age is important. Here are 6 essential moves for aging athletes.

6 Essential Moves for Aging Athletes Work your balance and core strength with these functional exercises

That costs how much? The second quarter of 2021 brought questions about inflation and the economy.
https://assetlibrary.securian.com/content/dam/doc/bd/irg-q2-2021-mkt-perspectives_90375.pdf

ICYMI: Check out our feature in the Charleston Regional Business Journal! Special recognition of our 20th anniversary with highlights from our CEO, Britt Gilbert, Medical Director, Nick Pavia, CLTC and Field Directors, Jon Carroll and Brian Brown:

Did you press pause on your retirement contributions during the past year? Here’s how to get back on track.

How To Get Back On Track with Retirement, Post-Pandemic One in seven Americans are now planning to delay retirement plans post-pandemic due to COVID-19, per new research from Smart USA. Why? “The financial

Child tax credit 2021: Who gets $3600? Will I get monthly payments? And other frequently asked questions – learn more.

Child Tax Credit 2021: Who Gets $3,600? Will I Get Monthly Payments? And Other FAQs | Kiplinger People have lots of questions about the new $3,000 or $3,600 child tax credit and the advance payments that the IRS will send to most families in 2021 – and we have answers.

Be aware of how these six birthdays affect your retirement.

Mark Your Calendar: 6 Birthdays to Know for Retirement | Kiplinger There are important milestone ages to note before and throughout retirement. Mark these birthdays on your calendar to boost your retirement income and avoid unnecessary penalties.

Thunderous Plunges and Mossy Trickles: A Spring Guide to Waterfalls

Thunderous Plunges and Mossy Trickles: A Spring Guide to Waterfalls Across the United States, a glorious array of waterfalls awaits nature lovers. And what better time to admire them than now, when snowmelt and spring rains add to the drama?

Have you been dreaming about money? According to dream whisperers, your dreams could have many different meanings.

Dreaming About Money? What Do These Money Dreams Mean? Have you been dreaming about money lately? Find out what it means when you dream about money and what moves to make next.

Are your affairs in order? You can reduce stress for yourself and loved ones if you develop an estate plan with these important documents. Contact me for more information.
Financial Professionals do not provide specific tax/legal advice and this information should not be considered as such. You should always consult your tax/legal advisor regarding your own specific tax/legal situation

The Essentials You Need for an Estate Plan | Kiplinger You can reduce stress and expenses for yourself and your family if you develop an estate plan that includes these important documents.