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At HCM, we believe education is an important component to retirement planning. Our new blog, "Your Financial Roadmap" was  created to share articles, tips and stories to help you build a roadmap to financially independent retirement. 

Whether it’s ideas from the investment services world, articles related to P&G retirement planning needs or tips for your own  financial planning, you can read about it here. And once in a while, we may throw in some other articles.  

 

Tuesday, July 18, 2017

While no one can predict the future, the possibility of tax reform is once again in the spotlight. If it occurs...

 

Tuesday, June 27, 2017

Discussing and preparing a plan for your estate should you pass away or become incapacitated can be very difficult. After all, it means addressing things that most of us do not like to think about. However, estate planning does not...

 

Tuesday, May 30, 2017

May 29 was National 529 College Savings Plan Day, yet most investors are unfamiliar with 529 Plans. Saving for college may be one of the most important things you do for your children. There are multiple options for saving; however,...

 

Monday, May 15, 2017

One of the most important decisions you will make as your prepare for retirement is determining the best withdrawal strategy for your family’s situation. One approach that has become popular is commonly referred to as the...

 

Friday, April 28, 2017

P&G announced results from its JFM ‘17 quarter, delivering profit ahead of Wall Street estimates and sales slightly below estimates. These results represent the third quarter of P&G’s 2017 fiscal year. P&G saw organic...

 

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Thursday, April 27, 2017

We are all, inexorably, marching toward old age. By 2030, 72 million Americans will be age 65 or older.1 The good news is longevity has been improving, and people are remaining healthy and vibrant at older ages. The bad news is...

 

Monday, April 3, 2017

Some people may name a medical device or implant, such as a hearing aid, an artificial joint, or a pacemaker. Others may say they couldn't live without their electric bikes, GPS devices, tablets, or food processors. A surprisingly...

 

Thursday, March 30, 2017

It’s tax season! Every year, around this time, the Internal Revenue Service (IRS) publishes its dirty dozen – a list of scams criminals use to try and ferret out personal information and/or steal money.1 For example, if you received an...

 

Wednesday, March 15, 2017

It has been said everyone in America is Irish on St. Patrick’s Day. Whether you have Irish ancestry or merely enjoy a good celebration, test your knowledge of the old country by taking this quiz. 1. What is Gaeltacht?1a. A region of...

 

Monday, February 27, 2017

More than one-half of working Americans know little or nothing about Medicare costs.1 Not knowing can be expensive. On average, people who haven’t yet retired estimate they’ll spend approximately $50,000 on health care after retirement...

 

Friday, February 10, 2017

The celebration of Valentine’s Day is attributed to Geoffrey Chaucer who wrote a poem about love and St. Valentine in the 1300s. Although this poem did not mention chocolate, the tasty treats have since become a Valentine’s Day...

 

Monday, January 30, 2017

How many times did you login to a digital account today? It probably was more than once. Some people access digital sites via computer or tablet, but many others rely on their phones. Deloitte recently reported the essentials of life...

 

Thursday, January 12, 2017

In 1964, Dr. Martin Luther King, Jr. received the Nobel Peace Prize. He accepted the award and took the opportunity to articulate his hope the civil rights movement would be successful, as well as his hope for all mankind:1 “…I must...

 

Thursday, January 12, 2017

In 1964, Dr. Martin Luther King, Jr. received the Nobel Peace Prize. He accepted the award and took the opportunity to articulate his hope the civil rights movement would be successful, as well as his hope for all mankind:1 “…I must...

 

Thursday, December 29, 2016

Retirement IncomeHere’s a million dollar question: How will you transform your savings into income that will last throughout your retirement?1There are probably as many answers to that question as there are retirees. However, all...

 

Wednesday, December 28, 2016

There's still time to make a regular IRA contribution for 2016! You have until your tax return due date (not including extensions) to contribute up to $5,500 for 2016 ($6,500 if you were age 50 by December 31, 2016). For most taxpayers...

 

Wednesday, December 28, 2016

When it comes to entering retirement, a failure to plan can have devastating consequences. And a surprising number of people are unprepared. More than half of workers older than 55 haven’t developed a plan for paying themselves...

 

Tuesday, December 20, 2016

Investing in the financial markets is now part of everyday life. Yet, many Americans remain in the dark about investment products and how they work. Interested in testing your knowledge?

 

Tuesday, December 20, 2016

The big news last week focused almost exclusively on the changing interest rate policy following the low interest rates (monetary stimulus) that have been the driving force behind our economic and market recoveries in the years since...

 

Monday, December 12, 2016

Since the U.S. election, we have seen strong performance in stocks and weakness in bonds as the long awaited increase in interest rates has finally begun. Considering the magnitude of these moves, it is fair to ask if prices have moved...

 

Friday, December 2, 2016

At our meetings with our clients, we get a lot of questions about Medicare. With Medicare Open Enrollment season upon us, it’s a good time to review some basic Medicare facts. This topic has a number of complexities, so keep in...

 

Tuesday, November 29, 2016

For about 35 years, investors have enjoyed a bull market in bonds. At the start of 1982, the interest rate on 10-year U.S. Treasury bonds was 14.2 percent. By November 1, 2016, interest rates had fallen to 1.8 percent.1 Since bond...

 

Thursday, November 17, 2016

Inheritance is the practice of passing on property, titles, debts, rights and obligations upon the death of an individual. For most of us, inheritance means receiving something of value from those close to us, upon their death....

 

Monday, November 7, 2016

Earning a long-term return on investments means you have to actually hold them for the long term. The long term is actually made up of many short term periods. The key to success is getting through many short term periods. We’re...

 

Monday, November 7, 2016

There was recently an article in the WSJ about the state of Financial Literacy and the amount people have saved for retirement. The article talks about the need to educate people on financial planning but, in the end, it’s not...

 

Thursday, October 27, 2016

P&G announced results from its JAS 16 quarter, delivering profit and sales ahead of Wall Street estimates. These results represent the first quarter of P&G’s 2017 fiscal year. P&G saw organic sales growth of +3% behind shipment...

 

Wednesday, October 19, 2016

Just what you need, right? One more job to do between now and the end of the year. But taking a little time to meet with your HCM Advisor to review strategic tax and portfolio decisions before December 31st, could leave a little more...

 

Thursday, October 13, 2016

So, what’s your view on your retirement years? There are a lot of myths about aging. A big myth is that older people are lonely, depressed, and discouraged. This is not the reality. A study was done and they found older people...

 

Thursday, October 6, 2016

While watching the presidential debate the other night, I saw a small poll pop-up on the screen that indicated the topics most pressing for people. Not surprisingly, taxes were near the top. It's hard to know what, if any, changes are...

 

Wednesday, October 5, 2016

Budgeting. It's something that I despise. I think most people don't care for it as well. But it is an important habit to develop. You want to make sure that you're not racking up lots debt, and you're hitting your savings goals. To me,...

 

Thursday, September 29, 2016

If you ask people what creates stress in their lives, money is often at the top of the list. Stress in America: Paying With Our Health found money was a somewhat or a very significant source of stress in the lives of 64 percent of...

 

Monday, September 26, 2016

Many investors understand stocks but for bonds, they don’t have as good of an understanding and why you should have them in your portfolio. So here’s a crash course on Bonds. Difference between Stocks and Bonds With Stock,...

 

Friday, September 23, 2016

Can Congress teach us a thing or two about budgeting? That sounds like an Oxymoron. But believe it or not, the answer maybe yes. A few years ago, Congress and the President reinstated a rule called PAYGO which stands for pay-as-you-go....

 

Monday, September 19, 2016

While the idea of life insurance itself is not that complicated, when it comes to the various options available to an individual to purchase, it can be confusing. Insurance is a device used to provide protection against a possible...

 

Monday, September 12, 2016

The 15th anniversary of the 9-11 attacks was Sunday. This is one of those moments in life that the memory of an event is so vivid. You say 9-11 and you remember where you were when you heard about it, the images in your mind, and you...

 

Friday, September 9, 2016

The Free Application for Federal Student Aid (FAFSA) application process is changing from starting on January 1st to October 1st - effective this year. Here are five reasons why everyone needs to fill out this application. Some...

 

Friday, September 2, 2016

An interesting headline caught my attention recently. The headline was “Why emergency funds are a bad idea.”The article takes a snapshot of some averages such as: Average per capita income in the US was $55,800 Average...

 

Tuesday, August 30, 2016

You may not have heard of the Longevity Market but, if you’re older than 50, you’re one of its 74.9 million members.1 It may be easiest to think of the Longevity Market as another way of describing the Baby Boom and preceding...

 

Thursday, August 25, 2016

Inflation. The Federal Reserve has been trying to generate inflation for much of the past decade. Inflation, as measured by the Consumer Price Index (commonly referred to as CPI), is up 55% over the last 20 years. While that sounds...

 

Wednesday, August 24, 2016

How much home can you afford? Interest rates are still low and the economy has been improving. Real estate sales have picked up the last few years so more and more people are confident in making a substantial purchase – and...

 

Friday, August 19, 2016

So how do you get better returns in your retirement account? Answer: Pay as little attention to it as possible. This was according to a 2014 article in Business Insider based on the alleged study done by Fidelity Investments. In the...

 

Thursday, August 18, 2016

If you have been investing in the market since the recovery of 2009, have you been capturing all of the gains the market has had to offer? A good investment barometer that one can look at to see if the returns have been captured is the...

 

Thursday, August 11, 2016

Have you ever heard of the Marshmallow Experiment? The Marshmallow Experiment is one of the most famous experiments in the history of psychology which is often cited as evidence of the importance of self-control. Walter Mischel and his...

 

Tuesday, August 9, 2016

I've worked in the industry for over 20 years and I get an interesting perspective. For most people, they read about stories of people being successful and saving and investing, but for me I've been able to see it personally through my...

 

Monday, August 8, 2016

P&G announced results from its April-June’16 quarter, delivering profit and sales ahead of Wall Street estimates. These results also included their year-end numbers as P&G has a fiscal year-end of June 30. Fourth quarter results...

 

Wednesday, August 3, 2016

John and Elizabeth have lived in Cincinnati most of their adult life. John, age 54, has been a lifelong P&Ger, moving Elizabeth and their two kids to Lima in Northern Ohio for a 2-year plant assignment in the late 90’s before...

 

Tuesday, August 2, 2016

Whether it’s resolutions or goals for 2016, how many have you stuck with so far this year? It is difficult to stick with something just for one year. Imagine how hard it is to stick with something for 30 years. 30 years....

 

Friday, July 29, 2016

We want to help people obtain the financial independence that they desire, and we have found that often, it’s hard to get started. Besides procrastination, other misconceptions people have about investing and saving for the...

 

Wednesday, July 27, 2016

We’re more than halfway through the year. Have you made your IRA contribution for 2016 yet? If you haven’t, why not? Had you invested your money at the beginning of the year, your new contribution would already be growing....

 

Tuesday, July 26, 2016

College graduation is a time for satisfaction, pride in the accomplishments of the previous years, relief from the burdens of classwork, and delight in the thoughts of the gainful employment that is to come. For many students and...

 

Thursday, July 14, 2016

Should you roll your old 401 (k) balance to your new employer's 401(k) plan or to an IRA? Assuming both options are available to you, there's no right or wrong answer to this question. It’s a little bit like the choice between...

 

Wednesday, July 13, 2016

If you are over age 59 ½ - you may be able to transfer your 401k to an IRA via an In-Service Withdrawal. There are no tax ramifications in transferring the funds out of your 401k plan to an IRA.

 

Tuesday, July 5, 2016

Would you accompany a group of high school students studying photojournalism and social change in Argentina? How about a group learning about language and culinary traditions in France? Does working for a season or two in a great place...

 

Tuesday, July 5, 2016

The power of the number “one”. It’s amazing the impact that the number "one" can have in your life and on your finances. Take a home mortgage, for example. If you financed $150,000 over 30 years, and one person...

 

Thursday, June 30, 2016

Our Founding Fathers structured American democracy and left a legacy that has greatly influenced the world. This Fourth of July, see what you know about the Founding Fathers by taking this brief quiz. 1. Who were America’s Founding...

 

Thursday, June 30, 2016

How does your body change as you age? It is essential to understand what is happening naturally to your body in order to understand what is happening to your brain. You may be surprised to find out how early these aging changes are...

 

Wednesday, June 29, 2016

You may be asking yourself whether that’s a trick question. After all, almost one-third of 18- to 34-year-olds are still living at home with their parents. It is, in fact, the most common living arrangement for this age group and a...

 

Wednesday, June 29, 2016

Two investors retire on the same day with the same amount of money. They both average exactly 10% returns for the next 20 years and they both spend exactly the same amount. One doubles her money while the other goes broke. Why? If you...

 

Friday, June 24, 2016

The number of investment options we have are way too many. We live in a society where we love having choices. And with investments, more is not always better. Paralysis sets in. It encourages people to change their investments and with...

 

Monday, June 20, 2016

What is your true Investment Objective? Most people think that their investment objective is to beat the stock market, like beating the S&P 500. But your true Investment Objective is to make sure that you can accumulate a nest egg that...

 

Friday, June 17, 2016

Have a senior in high school? College application season will soon be upon us. It’s important to get your application in early, as many colleges accept students on a rolling basis. It’s important to understand what...

 

Tuesday, June 14, 2016

The answer to this question is, “Yes, you can.” It is important to understand what exactly a 401(k) is and what exactly an IRA is to understand how the two can coexist. What is a 401(k)? A 401(k) is a tax-qualified...

 

Monday, June 13, 2016

A Snickers bar can save you money. Not just a little money either. Used correctly, it could potentially spare you thousands of dollars. That’s the gist of new research on a phenomenon called “decision fatigue”....

 

Wednesday, June 8, 2016

In my 06/06/16 podcast, we talked about the jobs report and how the number was pretty weak. But the jobs report does not always correlated with the direction of the economy. When we look at other metrics, one that is a bit concerning...

 

Tuesday, June 7, 2016

Jonathan Clements, who writes for the WSJ, is one of my favorite personal finance columnists. A memorable article that he wrote was his final column for the Sunday WSJ in which he had a few parting words of wisdom titled, “How to...

 

Monday, June 6, 2016

Are you a new college graduate with Student Loan debt? You are on the clock. A six month clock. The six month mark is important because it marks the end of the grace period on student loans, and time to start paying your Student Loans.

 

Friday, June 3, 2016

Buying the most unloved stocks by Wall Street has had pretty good results in recent years. Prior to 2015, there was a seven year stretch, where if had you invested, for the calendar year, in the 10 stocks that Wall Street analysts...

 

Wednesday, June 1, 2016

According to a news release from the Bureau of Labor Statistics people born between 1957 and 1964 held an average of 11.7 jobs from ages 18 to 48. That’s right – the average American changes jobs about as often as...

 

Tuesday, May 31, 2016

In medieval times, alchemists sought methods for transforming ordinary metals into gold. Today, just about every adult searches for a means of transforming savings into a retirement’s worth of income. Recently, they received help from...

 

Friday, May 27, 2016

Before the big barbecue, take time this Memorial Day weekend to honor the men and women who gave their lives fighting for our country. If you’re looking for a way to remember those brave Americans, here are a few suggestions:1 • Raise...

 

Wednesday, May 25, 2016

People get a Durable Power of Attorney in place to help make decisions for their parents or other relatives - to handle their finances such as taxes, bills, bank accounts, investments and real estate sales if they become incapacitated....

 

Tuesday, May 24, 2016

Learning to accept uncertainty by building failure into your investment process makes a lot of sense. When investing, learning how to accept short-term failure is actually a good way to avoid long-term failure. In my podcast, I tell...

 

Tuesday, May 24, 2016

Do you have a plan for the future and your retirement? If not, what are you waiting for? For some, it may be you don't know where to start. Start with these questions: What do you envision doing in retirement? What's important to...

 

Wednesday, May 18, 2016

Super Bowl winners, the length of hemlines, and Sports Illustrated covers – all of these have been used to develop theories about the direction in which stock markets may be headed. Presidential elections and terms have also inspired a...

 

Wednesday, May 18, 2016

I recently read a WSJ article titled, “The Smart Way to Tap Accounts in Retirement”. The article laid out strategies to withdrawal money in retirement that can make your nest egg last longer. The main way this was...

 

Wednesday, May 18, 2016

Millennials, contrary to public opinion, are prudishly conservative investors. If they ever hope to have enough for retirement, they’re going to need to be more tolerant of risk with their investments. Millennials are in the age...

 

Wednesday, May 18, 2016

It's been common place in recent years for companies to make buyout offers as part of company restructuring programs. When you’re offered an attractive package to leave your job, does it make sense to reject the offer? The...

 

Tuesday, May 10, 2016

The Markets (as of market close May 6, 2016) Last week, global markets continued their two-week correction, working off some of the gains accumulated since the market bottomed in early February. US stocks, as measured by the Russell...

 

Friday, May 6, 2016

Scientists have been mapping our mothers’ brains! They haven’t found eyes in the back of her head, or a way to help her worry less, but they are beginning to understand the mother-child bond better:1 “After centuries of observing...

 

Thursday, May 5, 2016

What is your most important financial asset? Your portfolio? Stocks? Bonds? Real Estate? You may be surprised to hear that it is none of the above. The biggest financial asset in your portfolio is you. For almost everyone who is still...

 

Thursday, April 28, 2016

By Jim Eutsler, HCM P&G Retirement Planning Specialist P&G announced results from its Jan-Mar’16 quarter, delivering profit ahead of estimates; however, net sales declined -7%. Overall, this was an eventful quarter for the...

 

Thursday, April 28, 2016

Super Bowl winners, the length of hemlines, and Sports Illustrated covers – all of these have been used to develop theories about the direction in which stock markets may be headed. Presidential elections and terms have also...

 

Monday, April 25, 2016

Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2016.

 

Friday, April 8, 2016

The week of April 11th - 15th 2016 is National Retirement Planning week. Although most of us recognize the importance of sound retirement planning, few of us embrace the nitty-gritty work involved. With thousands of investment...

 

Thursday, April 7, 2016

Understanding financial matters can be difficult if you don't understand the jargon. Becoming familiar with these 10 financial terms may help make things clearer. Time value of money The time value of money is the concept that money on...

 

Monday, April 4, 2016

The traditional IRA does not have quite the illustrious history of the Roth IRA (see my article on Roth IRAs here) however, it does have a much longer one. The traditional IRA was created in 1974 with the passage of the Employee...

 

Monday, March 28, 2016

What is your most important asset? Stocks? Bonds? Real Estate? You may be surprised to hear that it is none of the above. Your biggest financial asset is…. You! For almost everyone who is still working, their largest asset is their...

 

Monday, March 14, 2016

In the spring of 2013, my roommate was waiting anxiously for his tax refund. He even called the IRS and waited on hold for about 45 minutes (by the way, don’t call the IRS during tax season) to check on his refund status. He...

 

Wednesday, March 2, 2016

The gap between setting goals and achieving them can be difficult to bridge. To enhance the chances of achieving personal goals, reminders and motivation are essential; making a resolution is simply not enough. A number of apps have...

 

Monday, February 29, 2016

Over half of Americans do not own any stocks, or stock-related investments, such as mutual funds.With important long-term financial goals, such as retirement, in the balance, the reasons for not investing may not be good enough.

 

Monday, February 22, 2016

We often get asked the question, “So, how’s P&G doing these days?” That is not a surprising question to receive given the size of the company, its ubiquitous presence on the store shelves where we shop, and...

 

Thursday, February 11, 2016

One of the key components of your Retirement Income Plan, Social Security, received a bit of a facelift recently. Two claiming strategies used by married couples, known as the “File and Suspend” method and the...

 

Wednesday, February 10, 2016

Global markets are off to a rough start in 2016. Sound investment strategy encourages investors to stay diversified and maintain a long-term view of their investment horizon. However, because there is no shortage of opinions about the...

 

Tuesday, January 26, 2016

The month of January is when millions of families disclose their important financial information to the Department of Education through the Free Application for Federal Student Aid (FAFSA). Filling out financial aid forms can be...

 

Monday, January 18, 2016

One popular metaphor for the sources of your Retirement Income is a “Three Legged Stool”. The legs of the stool are Social Security, Employer Pensions (remember those?) and your Personal Savings. Now the Social Security leg, which is...

 

Monday, January 11, 2016

If you are a high school senior or college student, the New Year isn't just about making resolutions. It's a time to file or update your Free Application for Federal Student Aid FAFSA®. Let a Certified College Planning Specialist help out.

 

Thursday, January 7, 2016

Overview of 2105 Volatility may best describe the equities markets for the majority of 2015, as they were impacted by economic stress in China and Greece, coupled with underwhelming corporate earnings reports, falling oil prices, and...

 

Tuesday, January 5, 2016

Asset location means placing assets in the right type of accounts (taxable, tax-deferred, or tax-free) based on how income from those accounts will be taxed today, in retirement, and as part of your estate. Appropriate asset location...

 

Wednesday, December 23, 2015

To answer the title question, William Victor “Bill” Roth, Jr. (July 22, 1921 – December 13, 2003) was an American lawyer and Delaware Senator. He was a member of the Republican Party and World War II veteran. Roth was...

 

Wednesday, December 16, 2015

During the holidays, whether traveling or staying in Cincinnati, you will spend time with family. You may notice changes in your parents’ behavior and health and the need to care for your aging parents.

 

Tuesday, November 24, 2015

If you’ve made it to 70 ½ years old without touching your retirement assets, congratulations! You’ve been able to defer taxes and are likely living proof of the power of compounded earnings. But now it’s time...

 

Monday, November 23, 2015

You may have heard of tax loss harvesting. Some people harvest losses every year, while others do so only when they have taken significant capital gains or have received more income than expected during a given year (perhaps they sold...

 

Monday, November 16, 2015

Twenty-five years ago, the Americans with Disabilities Act was signed into law, guaranteeing disabled Americans – people with mental, physical, or emotional disabilities – equal opportunity in employment, transportation, government...

 

Thursday, November 12, 2015

The idea of one’s own death is not a point we typically like to ponder. We are routinely told to stay positive, and death doesn’t really fit well with that idea. However, there is a reason that the US insurance...

 

Monday, November 9, 2015

Six Common 401(k) Plan Misconceptions. As more Americans shoulder the responsibility of funding their own retirement, many rely increasingly on their 401(k) retirement plans to provide the means to meet their investment goals. That's...

 

Tuesday, November 3, 2015

Nov 3, 2015: As the end of the 2015 tax year approaches, set aside some time to evaluate your situation and consider potential opportunities. Effective year-end planning depends on a good understanding of both your current...

 

Wednesday, October 21, 2015

October 21, 2015 Written by: Casey Boland, Retirement and Financial Planning Specialist The Power of Compounding and Why You Should Start Saving Early If your 30s and 40s are behind you and you are either in retirement or close to...

 

Friday, October 16, 2015

10/16/2015 Written By: Steve Hengehold, Retirement and Financial Planning. Just what are these Required Minimum Distributions (RMDs) If you are over 70 ½, the IRS requires that you take a distribution from your tax-deferred IRA...

 

Monday, October 12, 2015

10.12.2015 Contributed by Steve Hengehold, Retirement and Financial Planning. No matter what your age, your work-based retirement savings plan can be a key component of your overall retirement planning. Following are some age-based...

 

Monday, October 12, 2015

10.12.2015 Written by: Jim Eutsler, Retirement and Financial Planning, P&G Retirement Planning This article explores the components of IRAs - both traditional and Roth. If you asked the average savings-oriented person what are the top...

 

Monday, October 5, 2015

October 5, 2015 Hengehold Capital Management, Cincinnati OH Understanding the difference between nominal and real return on investments If you're like most people, you probably want to know what return you might expect before you...

 

Monday, October 5, 2015

October 5, 2015 Written By: Mike Hengehold, CPA/PFS MST RICP® One of the keys to living your Brighter Future™ in retirement is to squeeze as much “after-tax fun” as possible out of your various income sources.These sources may include...

 

Monday, September 28, 2015

September 28, 2015 Your employer-sponsored retirement savings plan is a convenient way to help you accumulate money for retirement. Using payroll deductions, you invest for the future automatically, following that oft-noted advice to...

 

Monday, September 21, 2015

September 21, 2015: Contributed by Hengehold Capital Management, Retirement and Financial Planning Cincinnati Ohio. Healthcare. Retirement. Those may be two of the most stressful words in the English language today. Especially when...

 

Friday, September 18, 2015

We are very excited to announce that our firm has been chosen as a finalist in the 2015 Best Places to Work competition. We would like to thank all our employees who participated in the survey and help to make Hengehold Capital...

 

Thursday, September 17, 2015

09/17/2015: By Jim Eutsler - Financial Planning and P&G Retirement Planning Specialist Deciding to pursue advanced or continued education typically involves a lot of thought on 2 aspects: time and money. Time, like money, has an...

 

Monday, September 14, 2015

09/14/2015: Cybercrime is a Growing Threat Going online has become so popular that a majority of Americans now say they would have more trouble giving up the Internet than giving up television (although that may be because they can...

 

Friday, September 11, 2015

09/11/2015: By Jim Eutsler - Financial Planning and P&G Retirement Planning Specialist Using a 529 Plan to Pay for CollegeOk, your child successfully navigated their way through high school and now they are facing a...

 

Tuesday, September 8, 2015

09/08/2015: Written by Greg Middendorf CFP® CCPS®The reality is that more and more people are living longer and healthier lives which puts more of an emphasis on the importance of a well-thought out and well–crafted retirement income...

 

Monday, August 31, 2015

08/31/2015: Contributed by Greg Middendorf CFP® CCPS® Partner | Wealth Advisor | Certified College Planning Specialist What is a 529 plan? A 529 plan is a tax-advantaged savings plan designed to encourage saving for future college...

 

Monday, August 31, 2015

08/31/2015: Contributed by Greg Middendorf, CFP® CCPS® Partner | Wealth Advisor | Certified College Planning Specialist There are many ways to make “tax-smart” transfers to younger children and grandchildren. There's no...

 

Wednesday, August 26, 2015

08/26/2015: Written By: Jim Eutsler - Financial Planning and P&G Retirement Planning Specialist Saving for private high school, what savings vehicle should you use?The quest for knowledge – a noble attribute that helps shape an...

 

Monday, August 24, 2015

08/24/2015: Contributed by Greg Middendorf, CFP® CCPS® If you had a dollar for every time you heard the phrase “start investing early” you could retire with a million. If you actually acted on that phrase, you are probably retiring...

 

Friday, August 21, 2015

We are pleased to announce that Greg Middendorf has earned the Certified College Planning Specialist (CCPS®) designation. Since 2002, the CCPS® designation is the only college financial planning accreditation in the financial...

 

Monday, August 17, 2015

Although exchange-traded funds, commonly known as ETFs, have existed for almost two decades, they’ve only recently caught on with retail investors. The ETF market has evolved, and investors now have hundreds of ETFs from which to...

 

Monday, August 17, 2015

By Jim Eutsler, P&G Retirement Planning Specialist You have worked hard making Tide, Swiffer and Pampers be the best brands in their respective categories. You've accumulated some wealth and are asking yourself whether you feel...

 

Friday, August 14, 2015

Contributed by Greg Middendorf, CFP® CCPS® Financial Mistakes People Make at Different Ages. There's a saying that with age comes wisdom, but this may not always be true in the financial world. As people move through different...

 

Thursday, August 13, 2015

You've worked hard all your life to earn a living, support your family, put your kids through school and save for your golden years. Here are some tips to make sure your money lasts as long as you do!Contributed by Greg Middendorf...

 

Wednesday, August 12, 2015

By Jim Eutsler, P&G Retirement Planning SpecialistShould I accept a separation or early retirement package from P&G?As I begin this blogging series, let me introduce myself. My name is Jim Eutsler and I am a former P&Ger. There, I said...

 

Monday, July 20, 2015

Given the backdrop of global economic uncertainty and the increase in both life expectancy and medical costs, it is more important than ever to create a comprehensive retirement cash flow plan prior to retirement and keep it current...