Payroll Tax Deferral

Temporary Payroll Tax Deferral: What You Need to Know

ASK A FINANCIAL PLANNER On August 8, 2020, the president issued an executive order to allow the deferral of certain payroll taxes during the last four months of 2020, and the IRS recently provided related guidance. This has implications for both employers and employees. Here’s a brief summary of the issues. Already-existing Payroll Tax Deferral… Read more »

Dark Web

The Dark Web — A Gateway to Criminal Activity

We’ve recently taken a deep dive into the dangers of the Dark Web. We continue our series by shedding light on how transactions happen in the Dark Web and the criminal enterprise that exists in this mysterious, hidden place. Why is this important? The more you understand about how criminal activity works, the better prepared… Read more »

The Bull is Back

The Bull Is Back… Will It Keep Charging?

ASK A FINANCIAL PLANNER On August 18, 2020, the S&P 500 set a record high for the first time since COVID-19 ushered in a bear market on February 19. The cycle from peak to peak was just 126 trading days, the fastest recovery in the history of the index, erasing losses from an equally historic… Read more »

What to expect from a home inspection

Home Buying: What to Expect from the Inspection

A home inspection is an important part of the buying process where an objective third-party performs a visible assessment of the property’s condition so you can make an informed decision about your purchase. After all, it’s one thing to plan for a fixer-upper and another to be surprised and saddled with expensive repairs. Here’s what… Read more »

Should I Consider a Balance Transfer?

Strategies for Tackling Credit Card Debt

Credit card debt can feel overwhelming, but there are tools and resources available to get you back on the road to financial wellness. Consider these strategies for tackling credit card debt: Balance Transfer A balance transfer can be an effective way to tackle your credit card debt. In short, you transfer your revolving debt to… Read more »

Financial Planning Issues for New Parents

Financial Planning Issues for New Parents

ASK A FINANCIAL PLANNER As you prepare for life with your new child, it’s time to prepare a new financial plan for your family or make any necessary changes to your existing plan. You’ll want to consider how your baby will affect your budget, make sure you have adequate insurance, protect your child’s future with… Read more »

Dark Web + You

The Dark Web + You

Criminals use the Dark Web, an anonymous region of the internet, for buying and selling stolen identity information, among other things. But what does this have to do with you? Let’s follow the story of Julia to see how all of this works in the real world: A Trip to the Mailbox One morning, Julia… Read more »

IRS Clarifies COVID-19 Relief Measures for Retirement Savers

IRS Clarifies COVID-19 Relief Measures for Retirement Savers

ASK A FINANCIAL PLANNER The Coronavirus Aid, Relief, and Economic Security (CARES) Act passed in March 2020 ushered in several measures designed to help IRA and retirement plan account holders cope with the financial fallout from the virus. The rules were welcome relief to many people, but left questions about the details unanswered. In late… Read more »

How to Apply for a HELOC

How to Apply for a HELOC

A HELOC, or Home Equity Line of Credit, leverages your home’s equity to give you more flexibility compared to other loans — you can borrow up to your maximum credit limit, when you need it, as you need it. Whether you’re planning a kitchen remodel, upgrading to energy efficient appliances, consolidating debt, or simply want… Read more »

First Time Car Buyer Tips

Buying Your First Car? This is What You Need to Know:

Shopping for your first car is exciting, but it can also feel intimidating. It’s a major commitment, but one that will give you the freedom to go where you want, when you want. Before you head to the car lot, set yourself up for success by following these steps: 1. Start with a Budget Take… Read more »