We get it—it’s not easy to escape from debt.
Life is unpredictable. Unexpected costs come up and throw a wrench into the financial equation. We hear plenty of reasons why people have trouble paying their debts here in Florida, but we’re here to tell you that no matter the problem, there’s a solution—if you know where to look.More
Future investment goals often lead people to seek savings help from a professional financial planner or advisor. If it’s time to plan for retirement, you’re ready for a down payment on a home, or you’re starting a family, it doesn’t hurt to have a financial expert on your side. That said, not all financial planners are created equal, and it’s your job to find the advisor that’s right for you.More
With each new school year comes the inevitable rush that retail outlets love and many parents love to hate: Back to school shopping!
Of course, your kids will need supplies, like pencils, notebooks, folders, and the like, but didn’t you just get them a new backpack last year? And are those shoes worn out already?
Yes, unfortunately, back to school expenses often add up to a pretty hefty price tag by the time the kiddos head back to the classroom. Keep these tips in mind to save during your yearly shop-a-thon:More
As the average retirement age continues to climb, it can feel like the economy has really put the ‘tire’ in ‘retirement.’ Although it isn’t always by choice, working later in life provides tangible benefits for a comfortable retirement that help to explain why the average retirement age has increased to 70.More
We’ve spoken in previous articles about how budget management is often about sacrifice. You have to give something up to reap the benefits of financial security. But if you’re clever, you don’t always have to sacrifice something positive to enjoy the benefits of having more money—particularly if you have a family backing you up!More
As we know, financial independence doesn’t happen overnight. Debts take a long time to pay off, and investments don’t yield high returns until they’ve had time to mature. Because of this, the earlier you start to take control of your financial situation, the better off you’ll be.More
Do you have $1,000 set aside for emergencies? If you already do, you could probably use another $1,000 in that account. Experts recommend keeping at least three months expenses in a reliable, liquid account – though even an extra $1,000 can be a life-saver. But finding $1,000 to save isn’t always easy. That’s why we’ve put together this 4-step plan on how to save $1,000 in 10 months.More
Largely thanks to the internet and social media, new trends in philanthropy have emerged as we share information faster and as part of a more widespread audience than ever before. There has never been a shortage of ways to give back, from volunteering to providing monetary support, but it’s interesting to see how these giving habits have evolved with each generation. Whatever generation you belong to, your financial advisor can offer guidance on giving strategies that are tax-conscious and make the most of your hard-earned dollars, while allowing you to exercise your generosity on behalf of causes that are meaningful to you.More
When you leave a job, you have the opportunity to convert your employer-sponsored retirement account to a Roth IRA. The tax benefits are clear. Roth IRAs offer tax-free growth and tax-free withdrawals in retirement. And even if you made too much while working to contribute directly to a Roth, you can still take advantage of a conversion. Your tax and financial advisors can help you determine if a conversion benefits you. Let’s look at some factors that could affect your decision.More
Often individuals with disabilities are not familiar with the savings options available to them, or they may be afraid to save money in fear of jeopardizing their public benefits. However, there are a wide variety of saving strategies that individuals with disabilities can potentially access to achieve their savings goals and improve their financial well-being.More
Most of us spend more during the holidays than we do the rest of the year. Budgeting is always a good idea, but it becomes particularly important when Black Friday, Cyber Monday, Christmas, and all the other spend-happy holidays roll around.More
Lifestyles are changing dramatically with the coming-of-age of the millennial generation, and homeownership is no longer perceived as fulfillment of the American Dream. Even if this generation were to decide that homeownership was preferable, most are unable to afford the ownership lifestyle of choice, resulting in a trend that we refer to as “Renter Nation Rising.” Affordability and socio-demographic shifts are both playing a huge role.More