Ryan Lovett, CFP, AIF

If a runner gets fatigued during a race, they won’t finish in first place. When you suffer from decision fatigue, your ability to save, spend and invest is also likely to suffer.

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Stop Letting Decision Fatigue Ruin Your Finances You need a better budgeting process that won’t leave you feeling exhausted and overwhelmed.

Owning a home is a great asset, and one which you can utilize to create income. Read on for ideas on how to generate income from your home, and call me for additional guidance or support!

3 Ways Your House Can Make Money for You The house is the biggest financial asset for millions of retirees and empty nesters, and many are mismanaging it.

Ashton Thomas is honored to be named one of Statista & USA Today's Best Financial Advisory Firms for 2023!

The rankings based on recommendations by clients and peers and a firm’s growth of Assets under Management: https://bit.ly/3ANTynq

The current banking chaos resembles the savings and loan crisis of the late 1980’s, when hundreds of lending institutions failed. We may be headed for a recession if the current banking regulations and lack of accountability are left unchecked.

Why the Banking Mess Isn’t Over Deposit flight and higher funding costs risk squeezing small businesses and lending beyond big cities.

Investing in CDs may not be as sexy as Cryptocurrency, but the safety and current yields on treasury notes make them incredibly attractive to nearly any investor!

Make This Simple Move to Get More Return on Your Cash A CD ladder can help savers navigate high interest rates by providing access to cash at predictable intervals.

Becoming financially independent is not an accident and doesn't usually happen overnight. How is your plan coming along?

5 mistakes people make that keep them from becoming millionaires, according to financial experts There's plenty to read about how millionaires get rich. But what about mistakes that may hold you back?

This gets a little into the weeds and we have already likely discussed some of these items, but this article serves some excellent food for thought.

The Rules of Retirement Spending Are Changing A longstanding strategy for funding our golden years is in doubt. We answer readers’ biggest questions about how much to withdraw from savings.

With all the challenges of the pandemic era, personal savings seem to have come through fairly well thus far. But is that all good news? Some food for thought...

Covid-19 Made Americans Into Super Savers. Now They’re Hoarding Cash. The lingering pandemic has made many people too nervous about potential worst-case scenarios to dip into their savings.

From inflation to market valuations, here are some of the top questions 401(k) plan participants are asking today.

The Top Questions 401(k) Plan Participants Are Asking Right Now Things have been somewhat quiet, maybe too quiet. With the pandemic, the supply-chain squeeze and inflation, retirement savers have had plenty to worry about outside their 401(k) plan. But, how do those worries translate inside their plan?

How much can you contribute to your IRA or Simple IRA plan next year and how much can you deduct? Click here to find out.

New 2022 IRA Limits: Get Ready Now! While there is no change in the amount that can be contributed to an IRA in 2022, there are changes in the income ranges for deducting those contributions.

Medicare premiums are going up. Way up in some cases. Learn more here and let's discuss if you have questions.

Medicare Part B Premiums To Rise 14.5% In 2022, With Premiums For Highest-Income Couples Nearly $14,000 A Year The Centers for Medicare & Medicaid Services has announced Medicare Part B premiums for 2022, and the base premium increases 14.5% from $148.50 a month in 2021 to $170.10 a month in 2022.

Negotiating is an art and a science. Learning to master the craft takes a bit of both.

6 dos and don'ts for anyone who wants to negotiate He's haggled down the price of everything from rent to dental surgery, and here's his smart dos and don'ts of negotiating.

That Thanksgiving dinner is likely to cost more than in previous years. Here are some tips for trimming the turkey a bit leaner.

How To Save On Thanksgiving Dinner Despite Rising Food Prices What Food Prices Are Higher This Thanksgiving? The short answer: All of it. Despite the price increases across food categories, there are ways you can cut costs.

Ever wondered if EV is really saving you as much as you thought? Here is a discussion about the math, the science, and the logistics.

How Much Do Electric Vehicles Cost to ‘Fill Up’ Compared With Buying Gasoline? As global auto makers turn their fleets electric, drivers are thinking differently about fuel—and whether operating an EV is really much cheaper than gasoline.

If you'd like to contribute more to your 401(k) next year, you may be able to.
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Good News: 401(k) Contribution Limits Are Rising In 2022 The new contribution limit of $20,500 for 2022 applies to 401(k) plans, along with 403(b) plans, most 457 plans and Thrift Savings Plans.

One "bright" side of inflation: Tax brackets are likely to go up next year.

Tax Brackets Will Be Higher in 2022 Due to Faster Inflation, IRS Says Rising consumer inflation this year is leading to a larger standard deduction, higher tax bracket thresholds for 2022, the IRS said.

There is a lot of talk about financial wellness today, but what is it? Here are some of the fundamental pieces of the puzzle for your consideration.

What Exactly Is Financial Wellness And How Can I Achieve It? Financial wellness is the third piece in holistic health, with the first two being physical health and mental health.

Multigenerational family wealth has its own unique complexities. Here are some conversation starters. Let's talk about it...

A Guide For Passing Down Your Wealth: Harmful And Helpful Assumptions A family that trusts, respects and encourages its younger members to step up and contribute to the family is laying the path for entrepreneurship and innovations that benefit everyone.

This list is not exhaustive, nor does every item apply to everyone. The point: planning can make retirement (and any life stage) better!

10 Things To Know Before You Retire Retiring is the “big transition” people work towards in life with the hopes of enjoying their golden years in the greatest happiness and comfort.

Teaching your kids (or grandkids) about effective money management is one of the greatest gifts you can give them.

4 ways to teach kids about money before their habits are set at age 9 As adults and caregivers, we generally look for ways to help our kids "do it better" than we did. Here's how to foster positive money habits early on.

Determining an appropriate asset allocation is a process that involves art and science on the part of both client and advisor.

Don’t Overlook These 4 Steps When Measuring Investors’ Risk Tolerance Taken together, a client’s temperament, life, and career choices provide a roadmap for an advisor making asset allocation decisions.

Ashton Thomas has offered scalable SMA solutions for some time. Learning where and when to use them is key.

Are SMAs the Future of Personalized Investing? As the trend for customized investments continues, advisors will play an elevated role in helping clients integrate their preferences, goals and values into one-of-a-kind portfolios.

If your holiday travel plans include renting a vehicle, know before you go.

What to Know About Renting a Car This Holiday Season With rental-car inventories low, it makes sense to cast a wide net and book early to find good deals.

Goals are good. Smart goals are better. Smart goals that are part of a plan: priceless.

These 6 Small Steps Will Help You Achieve Your Biggest Goals If it seems like you can't reach your goals no matter what you do, having a plan can help you get back on track.

Why a cooling off of the recent economic recovery may not be a bad thing in the long run.

The U.S. Economic Recovery Is Slowing Down. Don’t Be Alarmed. As business leaders enter the fall, a confluence of negatives is clouding their outlook on the economy. The big bounce back from last year’s trough has lost steam, stimulus is fading, and a plethora of softer economic data is weighing on sentiment.

Hitting the slopes for winter 2021/22? Knowing where to go will help you have an experience that fits your health and wellness preferences.

The Rules Skiers and Snowboarders Should Know Before Booking a Resort Trip This Year Many U.S. ski resorts areas have ditched mountain-access reservations and outdoor-masking requirements for the coming season, though indoor-masking and other local health rules remain in effect.

Understanding the math and process behind property appraisals may give you a competitive edge when buying or selling a home.

Soaring Home Prices Are Roiling Appraisals and Upending Sales An unusually high number of homes across the country are being appraised below their agreed-upon sales prices, causing a number of deals to collapse.

With lots of talk about the economy and inflation, many are looking to the CPI once again. But do you understand what it is?

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Having a financial plan and understanding the difference between expenses and investments are key to long-term financial wellbeing. What else can make you savvy?

Are You Financially Savvy? Many people often feel a lot of fear or intimidation when it comes to managing money, and if you fall in that category, it’s time to start investing in yourself.

Time is a finite commodity. Here are some ideas for maximizing how we spend it.

7 Terrific Tips to Improve Time Management Ever wish there were more time in a day? If you use your hours effectively, it'll start to feel like there actually is.