Think the Markets are Too High? Review Your Budget

Spending

Written By: Kevin Reardon, CFP® The financial press has been reporting a growing concern that people think the markets are too high. The implication is that if the markets go down, a person’s lifestyle will be impacted, and that’s a problem! The reality is market performance is not the main factor that impacts the success…

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Carrying a Mortgage into Retirement

Carrying A Mortgage Into Retirement

By Ryan Rink CFP®, ChFC®, CLTC®   Pros & Cons of Carrying a Mortgage into Retirement Twenty years ago, the thought of carrying a mortgage into retirement was scary, especially if you had enough assets to completely pay it off.  However, the notion behind this has changed over time with interest rates decreasing over the years. …

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How to Handle ‘Leftover’ 529 Balances

How To Handle 'Leftover' 529 Balances

By Ryan Rink CFP®, ChFC®, CLTC®   How to Handle ‘Leftover’ 529 Balances 529 plans are one of the best savings vehicles for college.  However, deciding on the right amount to save to a 529 plan can be challenging.  The actual cost of college can depend on a variety of factors, such as if the child…

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The “Right” Way to Add Adult Children to Your Bank Accounts

Right Way To Add Adult Children To Bank Accounts

By Brian Ellenbecker CFP®, EA®, CPWA®, CIMA®, CLTC® There actually is a “right” (and a “wrong”) way to add adult children to your bank accounts It’s a scenario we see often—an older adult wants to add one of their adult children to a bank account.  Typically, it is done for convenience purposes in case something…

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