Advanced Planning Solutions, Inc.

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What you NEED to Know - RMD's aka Required Minimum Distributions Today, we’re diving into RMD's or Required Minimum Distributions. This is a topic that can be a little tricky at times. We will review what they are, how th...

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.

You are unique. Your goals and needs should be the basis of any financial strategy you follow.

A Look at Whole Life Insurance Whole life insurance remains in force as long as you remain current with premiums. Here's how it works.

Protecting you or your company from a civil claim may require an coverage you have never heard of.

Errors and Omissions Insurance E&O insurance is specifically designed to protect you, or your company, from the risk of a client’s dissatisfaction.

Medicare and Medicaid are two terms that seem interchangeable, but aren’t. Learn more here:

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Read the latest issue of Retire Wise here: https://bit.ly/retirewise2-sept24

It is almost assured that the will cut interest rates at their next meeting later this month. Join CIO Gene Goldman, CFA, on this week’s episode of as he explains how the upcoming CPI report may help determine to what extent the Fed cuts rates.

The Week Ahead | Cetera “Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

If you’re 65 or older, you may need to enroll in Medicare. We’ll help you sort through the basics to determine if you qualify. Read more here:

Medicare At 65+ 65 or older? It may be time to enroll in Medicare. Read to learn if you’re eligible.

Divorce is a painful process. Avoid financial mistakes that may have life-long consequences.

A House Divided By understanding a few key concepts during a divorce, you may be able to avoid common pitfalls.

Extended care refers to services needed by those who have a chronic illness or disability.

Understanding Extended Care Understanding the types of extended care services—and what those services could cost—may be critical.

This Monthly Recap summarizes market performance, major events and news from August 2024. Read more here:

August 2024 Recap The S&P 500 ended a roller-coaster month with a 2.43% gain, almost entirely recouping an 8.5% July 16 through August 5 pullback. The large cap benchmark index closed August just 0.33% below its most recent all-time high, posting its fourth straight monthly gain, its longest stretch of gains since Ma...

How confident are you in the strength of your passwords? These days, one’s passwords are almost as important as the keys to your house. Check out these handy, current tips on crafting a secure password.

The Three Keys to a Great Password Have fun and learn how to craft the perfect password with the help of this highly engaging infographic.

While equity markets have had a great year so far, volatility is beginning to pick up. Join CIO Gene Goldman, CFA, on this week’s episode of as he lays out three reasons volatility could increase, including Friday’s potentially strong Payroll report.

The Week Ahead | Cetera “Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

Three steps may make a difference if you find yourself suddenly single.

Suddenly Single: 3 Steps to Take Now Have you found yourself suddenly single? Here are 3 steps to take right now.

Protect yourself from identity theft.

To Catch a Thief Having your identity stolen may result in financial loss plus the cost of trying to restore your good name.

Own a life insurance policy or annuity that is many years old? You may want to consider a trade in.

What Is a 1035 Exchange? 1035 exchanges provide a way to trade-in an annuity contract or life insurance policy without triggering a tax liability.

"The only things certain in life are death and taxes." Benjamin Franklin

The Other Sure Thing Though we don't like to think about it, all of us will make an exit sometime. Are you prepared?

Approaching the 60th U.S. presidential election, cuts through the fog of polarization to offer independent market and economic research. The team's latest commentary discusses expectations during this election and the next administration. Read more:

Trump vs. Harris: Navigating the 2024 Presidential Election The latest themed commentary from Cetera Investment Management cuts through the fog of partisanship to focus on what matters as investors navigate the 2024 presidential election. The team provides analysis of key economic policy items for the next administration, reviews past election cycles for ins...

➡️Historically, higher average annualized returns have occurred during a divided Congress, where one party controls the House or Senate and the other party holds a majority in the second chamber.
➡️Lower returns have come during Democratic majorities in both the House and Senate, while higher returns have taken place under Republican control of both congressional chambers.
➡️At the end of the day, the stock market is not politically leaning. There are some patterns, but most can be attributed to economic events and cycles.

What are your thoughts?

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?

Being healthy may help your personal finances.

Putting a Price Tag On Your Health Being healthy not only makes you feel good, it may also help you financially.

The is shifting from raising rates to cutting them. Join CIO Gene Goldman, CFA, on this week’s episode of as he explains how this week’s key inflation report should help the decide how much they’ll cut.

The Week Ahead | Cetera “Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

Mortgage lenders consider many personal factors when deciding whether you can afford a home.

How Much Home Can I Afford? With a few simple inputs you can estimate how much of a mortgage you may be able to obtain.

This time of year, you may hear the phrase "tax-loss harvesting." Before moving ahead, it's best to get some guidance from a financial professional who is familiar with the strategy.

Counteracting Capital Gains with Tax-Loss Harvesting You may have heard the phrase

August has a more unsettling side for investors. It’s a month known for surprises—and not in a good way! In the past 44 years, investors have managed through seven exogenous shocks in August. Some have been worse than others, but you get the idea.

What do Americans spend more on? 1) taxes or 2) food, clothing, and shelter? Answer = 1.

What Do Your Taxes Pay For? Here's a breakdown of how the federal government spends your tax money.

Doing some ? There's one item that most homeowners overlook when undertaking remodeling projects.

The Most Overlooked Item of Any Home Improvement The item most homeowners forget on their home improvement project checklist is insurance.

A disability could keep you from work and increase costs. How can you protect yourself?

Disability and Your Finances In the event of an unforeseen accident or illness, disability insurance may be a good way to protect your income and savings.

The ’s next moves are in focus. Join CIO Gene Goldman, CFA, on this week’s episode of as he discusses what we can expect to learn from the Fed’s meeting minutes and Chair Powell’s upcoming Jackson Hole speech, and the potential impact on future rate decisions.

The Week Ahead | Cetera “Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

Compare your taxable investment to a tax-deferred one. The results may surprise you.

Comparing Investments This calculator compares the net gain of a taxable investment versus a tax-favored one.