Most people think of their employee benefits as a one-time open enrollment decision. In reality, they often contain overlooked retirement, tax, and insurance opportunities that can materially impact your long-term financial plan.
The Fed has been cutting interest rates, so why aren’t mortgage rates dropping fast? Short answer: mortgages don’t follow the Fed in a straight line. They track the 10-year Treasury and a “spread” lenders and investors add for risk and costs. That spread can stay sticky when markets bounce around, when demand for mortgage-backed bonds is soft, or when investors worry about getting paid back early if people refinance.
Give with heart and get tax-smart. This quick guide shows simple ways to donate in 2025–2026—like QCDs from your IRA, gifting appreciated stock, and basic tips if you itemize. Learn when to start paperwork, how to keep records, and how to send more to your favorite causes in the Mid-Ohio Valley. Clear, friendly, and easy.
From pills that promise miracles to investments that seem too good to be true, “Financial Alchemy” explores how Wall Street sells magic solutions to real problems. Neal Watson, CFP®, and Todd Kemple break down the pros, cons, and hidden trade-offs of today’s hottest financial products.
The new Enhanced Senior Deduction could mean thousands in tax savings for retirees. Learn how it works, what it means for Social Security and IRA withdrawals, and how to use it for smarter retirement planning.
A major tax bill signed on July 4th brings some important changes for 2025 and beyond. In this blog, we break down what’s new—like bigger standard deductions, expanded SALT caps, and new senior tax breaks—along with what’s staying the same. Whether you're planning for retirement or just want to make smart tax moves, this post gives you clear, easy-to-understand insights to help you prepare.
In this Wealth Wednesday episode, we explore the biggest financial pressures facing Generation X. From catching up on retirement savings to managing college costs and caring for aging parents, they offer practical steps Gen Xers can take to regain control and plan for a more secure future.
Think playing it safe in retirement is always the right move? Think again. We’re busting five common retirement myths that might sound smart—but could leave you with big regrets. Don’t miss these tips for a happier retirement.
Are you nearing retirement age or helping a loved one plan for their future? This blog post walks you through the key ages that affect retirement planning, like when you can make catch-up contributions, access your money without penalties, start Medicare, and maximize your Social Security benefits. We’ll keep it simple, clear, and encouraging.