Guardtower Financial Services

Feeling behind on retirement savings? It’s never too late (or early) to start planning! Boost your savings rate, tackle high-interest debt, and take advantage of employer benefits. Your future self will thank you.
https://conta.cc/3Z1awMH

Thinking about getting a credit card as or for a student? It’s tougher than ever, but understanding the changes can help you navigate the process. Check out what you need to know to make informed financial choices! https://www.wsj.com/personal-finance/credit/student-credit-cards-under-21-requirements-b3c07aa8?mod=credit_news_article_pos3

Get ready to serve up some excitement! The 2024 US Open commenced yesterday, and we can’t wait for the action-packed matches and incredible moments! Who’s ready to cheer on the champions? Here is the full draw for the Men's Singles bracket. https://www.usopen.org/en_US/draws/mens-singles.html

It's never too late to begin saving for retirement. That being said, the best time to start is yesterday.


https://www.wsj.com/personal-finance/savings/retirement-savings-planning-under-40-987a336b?mod=retirement_news_article_pos1

We are thrilled to announce a new addition to our team! Join us in welcoming our latest member. Together, we will achieve great things!

Go to our team page to learn more about Zach https://www.guardtower.us/team

Happy 5/29!
Your children deserve the invaluable opportunity of attending college. Consult a financial advisor about opening a 529 Plan to start planning your children's future.
Here is an article that breaks down the benefits of a 529 plan:
https://conta.cc/4dKGjXf

It's Memorial Day! We would like to take this day to honor the courageous men & women who have served this country and those who have fallen protecting the freedoms we enjoy every day.

Happy Mother's Day to all the incredible moms out there!
Let's all take a moment to appreciate our moms for shaping us into who we are today. Oh, and for giving birth to us!

Happy Cinco de Mayo!
Cinco de Mayo celebrates the Mexican army's unlikely victory over the French at the Battle of Puebla on May 5, 1862. Fast forward 162 years later, and it is fascinating to see how we celebrate it today in both the United States and Mexico.
Read about how celebrations differ in both countries:
https://conta.cc/4a24sp3

Happy Life Insurance Day! Life Insurance is an excellent way to ensure your family's financial stability in case the unthinkable happens. Give this article a read, as it breaks down some of the fundamentals of Life Insurance.
https://conta.cc/4djWA54

This is a great read!
The article gives you an array of possibilities for retirement planning, while successfully explaining the purpose of each investment vehicle.

Roth vs. Traditional 401(k): Where to Put Your Money for Retirement? Thousands of companies have added Roth 401(k)s to their retirement plans. Getting the math right is proving tricky.

Mistakes are the portal to discovery; however, let's not make these.

The 5 Biggest Mistakes People Make When Picking a Medicare Plan Medicare can be confusing—so many choices, so much jargon. But it pays to do a little homework and pick the plan that’s right for you.

Have you ever wondered what retirement looks like? Take a glance at the wonderful stories of Paul, Jay, Anita, Henry, Bob and Pat.

Here’s What a $5 Million Retirement Looks Like in America Retirees open up about their financial lives and how they spend their time and money.

How detailed are your trust and will? This article gives you perspective on what some families have gone through, and an idea on how settlements happen. Some settlements even seem like a childhood game. 😱😱😱

Pass On Your Heirlooms, Not Family Drama How to creatively approach estate planning and divvying up inherited items.

Americans spend an average of $70 billion a year on lottery tickets. 😲😲😲

Playing the lottery: risks vs. rewards What to do if you get really lucky

Which country are you rooting for?

Exciting news for Guardtower Financial Services.

News Update: The Biden administration’s forgiveness plan won't be allowed to move forward.

Now is a great time to look at your monthly financial budget and make sure you have updated it to include your student loan payments.

What the Supreme Court’s Student-Loan Decision Means for You All borrowers with outstanding federal student-loan balances will see interest on those loans resume as of Sept. 1, according to the Department of Education. Payments will be due starting in October.

Did someone say tax break? Did you know that you can donate to a charity and get an annuity that makes payments to you for the rest of your life?

Read the linked article and talk to your financial advisor!

https://www.guardtower.us/

The Retirement Tax Break That Will Pay You an Annual Income Retirees can now earn money for life by giving some of their IRA savings to charity.

Date to keep in mind: Student-loan payments resume Aug. 30th, 2023.

The Student-Loan Freeze Is Ending. Prepare to Pay Up. After a three-year pause, borrowers will have to make monthly payments again starting Aug. 30.

Join us in celebrating , and how we as a society continue to learn, grow, and embrace integrity and diversity in all forms.

Has anyone noticed how more services are requesting tips, and how the base tip has increased in percentage? Click on the image to see how your tipping habits compare to others.

How Much Do You Tip? Tipping culture is changing. How do you tip for the following services?

Let us remember all our heroes who have left us while fighting for our country.

"By failing to prepare, you are preparing to fail." — Benjamin Franklin

Prepare for Unexpected Expenses with Ready Cash We may not be able to see into the future, but we should try to prepare for it.

We hope everyone had an amazing Mother's Day full of love, happiness, and warmth.

Interesting read on work-life balance. This article gives you the history of the term, symptoms of unbalance, and some solutions.

Finding the Right Work-life Balance The pandemic blurred some lines, but optimism remains.

Did you know that some states are allowing you to upload your I.D. Cards and Driver's Licenses to your apple wallet? Will plastic be replaced?

The Right Amount of Cards, Cash and ID to Carry in Your Wallet As wallets get thinner, here’s what financial advisers say you shouldn’t leave home without.

This is a great article to help you make an informed decision for when you are contemplating getting a new pet. It gives you financial scenarios you may have not previously thought of, while simultaneously giving you the best benefits of owning one.

Weighing the pros and cons of pet ownership. There are potential health benefits, but also costs.

Please join us in congratulating Richard Gibson Jr. for acquiring the designations of Certified Retirement Counselor (CRC®) and Accredited Investment Fiduciary (AIF®)!

The CRC® was created to fulfill the need for a retirement specialist program that demonstrates certificants have mastered required subject matter, made a commitment to the retirement planning profession, and pledged to adhere to a code of ethics and continuing education.

The purpose of the AIF® designation is to assure that those responsible for managing or advising on investor assets have a fundamental understanding of the principles of fiduciary duty, the standards of conduct for acting as a fiduciary, and a process for carrying out fiduciary responsibility.

Have you given though on what you'd like to do once you retire?

What to do once you're retired. Turn your “golden years” into an opportunity to discover the new you!