Student loans affect millions of Americans and often linger long after graduation. If you have student debt, you might wonder whether you should pay it off as quickly as possible. The answer depends on several factors, including your financial goals, income, and the interest rates on your loans. Here’s a
The second quarter started out rocky with an over 10% drop in all major markets due to tariffs posed by the USA in the first 2 weeks. Luckily the tariffs were paused and the markets quickly recovered. International Developed Stocks led the way with a return of 12.05%, followed closely
College costs continue to rise, and families across the country feel the financial pressure. What once seemed manageable has become one of the largest long-term expenses for parents and students. Tuition, housing, meals, books, and other fees increase year after year. Preparing for college now requires more than just hope.
When it comes to saving for retirement, one of the biggest decisions you’ll make is whether to contribute to a traditional (also known as “tax-deferred”) 401(k) or a Roth 401(k). Both options offer valuable tax advantages, but they work in very different ways. Choosing the right option depends on your
With the year halfway over, your time to ensure your 2025 taxes are paid is growing shorter. The last thing you want is to not pay enough taxes during the year and end up owing additional taxes when you file your tax return in April – and, to make matters
Today we celebrate freedom, independence, and the values that built this beautiful country. As wealth advisors, we’re reminded how financial freedom is an extension of those same ideals. The ability to live life on your terms and create a legacy that lasts. Wishing you and your family a safe, joyful,
When most people think about financial planning, they often focus on budgeting, saving, investing, and planning for retirement. While all of these elements are important, one critical part of a strong financial foundation often gets overlooked: insurance. Insurance may not feel as exciting as growing your portfolio or hitting a
Here’s my HOT TAKE for the day, I don’t think that everyone needs a financial advisor. There are a lot of great investors out there who do a great job doing financial planning on their own. That being said, I believe there are 4 questions you have to answer YES
We often tell ourselves that we make financial decisions based on logic, numbers, and careful planning. But in reality, emotions frequently take the lead, sometimes without us even noticing. I remember buying my first car. I walked into the dealership determined to stay within budget. But I drove out with
Many people confuse risk tolerance with risk capacity, but these terms represent two distinct parts of investment decision-making. Risk tolerance explains how much risk you feel comfortable taking. It captures your emotional response to uncertainty and the possibility of loss. On the other hand, risk capacity evaluates how much risk