END OF THE YEAR FINANCIAL CHECK-UP

Posted by Kat Schraeder, CFP®
On November 19, 2020

With all of the changes occurring this year, an often-overlooked area that may need rejuvenation is your financial health. The end of the year is the perfect time to reevaluate your financial situation and ensure you have all of your major financial bases covered to start the new year off right. The checklist below will […]

WHO NEEDS AN ESTATE PLAN?

Posted by Richard Winters, CFP®, CRPC®
On December 30, 2019

There is a very common misconception that only the very wealthy, or those nearing the end of their lives, need to have a comprehensive estate plan in place. The reality, however, is that every investor – regardless of assets or age – should have a carefully crafted estate plan that defines their wishes. While we […]

PROTECT YOUR IMPORTANT DOCUMENTS FROM A NATURAL DISASTER IN 3 STEPS

Posted by Brad Bridgewater
On September 17, 2019

Natural disasters such as floods, fires, and hurricanes can cause devastating impacts to your life, family, home, and communities. Your best strategy to protect the things you love is to prepare for the worst before it strikes. Many people include steps such as gathering supplies, identifying evacuation routes, and creating a network to get in […]

ESTABLISHING GUARDIANSHIP: WHY IT’S SO IMPORTANT AND THINGS TO CONSIDER

Posted by Clay Caldwell, CFP® and Rich Winters, CFP®, CRPC®
On February 19, 2019

If you and your spouse were to pass away, who would assume legal guardianship of your children? Would your extended family members decide who raises your children? Would the courts decide? Maybe it would be a combination of the two? And for separated families, what kind of additional complexities exist? While it is a […]

POWER OF ATTORNEY FOR YOUR CHILDREN: WHERE GRANDPARENTS COME IN

Posted by Clay Caldwell, CFP®
On June 28, 2018

For most of us, we think about a Power of Attorney (POA) coming in to assist when a parent is approaching the end of their life. This document gives you the authority to make medical, legal, and financial decisions on your parent’s behalf when they are no longer capable of making these decisions on their […]

IS YOUR ADVISOR AN EXPERT WHEN IT COUNTS?

Posted by Brad Bridgewater
On March 21, 2018

In the United States alone there are over 300,000 financial advisors, and the majority of these advisors have letters, or “designations,” that follow their names. I’m sure you’ve seen CFP, CFA, CRPC, AIF, or Series 7 in print advertisements or online. We certainly have a good number of these designations on our website. While these […]

THREE THINGS YOU SHOULD KNOW ABOUT SURVIVOR ASSISTANCE

Posted by Brad Bridgewater
On October 31, 2017

You can’t overestimate the difficulty people have with the decisions, intense emotions, and consequences that accompany the death of a family member. We recently encountered this situation with long-term clients John and Jane*. In this situation, John always took full responsibility for the couple’s finances, and when he passed away unexpectedly, Jane realized very quickly […]

SHOULD YOU NAME A TRUST AS AN IRA BENEFICIARY?

Posted by Brad Bridgewater
On September 6, 2017

Contrary to popular belief, there are times when two rights can make a wrong. Both trusts and IRAs are important components of any estate plan, and there are compelling reasons to use each one. Trusts allow your estate to avoid probate and help you provide for your heirs in a way that you control. IRAs […]

FACING THE POSSIBILITY OF INCAPACITY

Posted by Brad Bridgewater
On August 7, 2017

Even with today’s medical miracles, it’s a real possibility that you or your spouse could become incapable of handling your own medical or financial affairs. A serious illness or accident can happen suddenly at any age, such as a fall, head injury, or automobile accident. Advancing age can bring senility, Alzheimer’s disease, or other ailments […]

USING TRUSTS TO MANAGE THE DISTRIBUTION OF YOUR ESTATE

Posted by Michael Kane, CFP®
On May 26, 2017

When tailored to the unique needs of your family, trusts are one of the best ways to protect and execute the plans you’ve made on behalf of your beneficiaries. They help you control the frequency and timing of any inheritance and assist in providing a lifetime of financial security for your loved ones. Many people […]