Expert Articles
Why Retirement Readiness Matters
Two of the largest expenses employers face today are payroll costs and healthcare costs. They determine how you will hire, whom you will hire, and how much the company needs to produce just to keep up with these costs. So, if your employees are not on a sound retirement track, they will work longer and both of these costs will rise. Want to know the solution?
Read More »4 Ways to Help Your Children Build Credit
Raising children is full of challenges — finding the right schools, supporting sports and activities, learning to drive, summer jobs, and saving for college are just some of the concerns that many parents keep near the top of their to-do lists. Sometimes that means things like building good credit get lost in the shuffle. Here are 4 tips for helping your children build a sound credit history with the understanding of how to manage debt wisely.
Read More »Integrating Newlyweds' Finances into the Family Financial Plan
Handing your child off in marriage is a momentous occasion filled with emotion. But it is also the beginning of a new legal contract for your son or daughter with another person. Having your wealth advisor explain all the potential property issues and nuances of future tax and estate planning needs may very well be the best wedding gift you can provide.
Read More »5 Ways for Planning Long-Term Care Expenses
We are living longer. That means most of us will likely need some long-term care during these added years. In considering later life’s possible care costs, it is prudent to ask whether a long-term care insurance policy could help. Unfortunately, the answer is not a simple yes or no.
Read More »5 Tips for Keeping Property Taxes Down
Property taxes in many areas of the country are a significant expense. Real estate owners or investors need to understand the system in the area where their property is located so they can do what is necessary to keep this expense low.
Read More »Can a Property Manager Control the Hidden Costs in Real Estate?
Many property investors often choose to take on the role of property manager and handyman themselves in order to keep costs down. This strategy frequently backfires though for many reasons. Hiring an experienced property manager allows that person to use his unique set of skills to avoid the hidden costs in real estate that outweigh the personnel costs and allow your investment to reach its planned returns.
Read More »When Composing 401(k) Plan Menus, How Much is Too Much?
When it comes to implementing investment menus for 401(k) plans, the phrase “less is more” really rings true. And, while the overall trend in number of choices is down, there are still companies offering 35 (or more) fund options to their employees. But presenting such a large number can have negative affects to the plan.
Read More »Are Your 401(k) Plan Fees Reasonable?
Administering a 401(k) plan for your company is not an easy job. There are a host of requirements that you as a plan fiduciary must comply with. One of those key requirements is to ensure that any fees associated with the retirement plan be considered “reasonable."
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