Blog
Explore helpful articles, practical tips, and expert advice to guide you before your next financial move.
Roth or Regular
Taking Advantage of a Roth Contribution Option Can Give You Some Flexibility in Retirement According to Vanguard’s “How America Saves 2024,” 82% of employers offer a Roth 401(k) option in addition to...
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Market Swings: What Really Matters
Practical Ways To Manage Market Volatility Without Overreacting Market ups and downs can feel unsettling – especially when headlines highlight sharp swings from one day to the next. But volatility is...
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Reality Check on Your Retirement Savings
Whether you’re 23 or 35, it’s important to know whether you are saving enough for your retirement. There is no time like the present to ensure you are allocating enough funds to your retirement accoun...
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What Closing Costs to Expect
Don’t forget about closing costs when budgeting for your new home.You’re ready to buy a new home. You’ve agreed on a price, have a mortgage ready, and booked the movers. However, there is one final ...
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What Is PMI?
If you are buying a home with a conventional mortgage or refinancing that loan, you may be required to pay private mortgage insurance (PMI). Here’s what you need to know:What is PMI?PMI is a f...
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Debt Consolidation, Quickly Explained
Let’s look at what debt consolidation is and how it can help you get out of debt faster.Debt consolidation is the process of combining multiple debts into a single payment.For example, a homeo...
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Understanding Credit Scores and Reports
Learn how to take control of your credit and improve your financial well-being.Let’s face it: our ability to buy things on credit can make or break our financial goals. A good credit score can make ...
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Get the Facts About Adjustable-Rate Mortgages
Learn the pros and cons of financing with an adjustable-rate mortgage.Buying a home is a big, exciting step. It involves making lots of decisions, including which type of mortgage is the best fit fo...
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Hidden Money in Your House – Understanding, Building, and Accessing Home Equity
If you own a home, building home equity — the value of your home minus what you owe on your mortgage — is an important long-term strategy for building wealth. That’s because home equity is a resource ...
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Ready to Start a Retirement Plan? These Tax Breaks Make It Easier.
For small businesses, offering a retirement plan such as a 401(k) or SIMPLE IRA is much more than an employee perk. It’s a powerful way to attract and retain talented employees.Yet for many business...
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Retirement Plan Recordkeeping / Fiduciary Responsibilities
Recordkeeping is the backbone of employee retirement plans. It ensures that contributions are tracked accurately, investments are properly managed, and employees can confidently monitor their progress...
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Homeowners Beware: Don’t Be Fooled by Mortgage Relief Scams
Homeowners Beware: Don’t Be Fooled by Mortgage Relief ScamsWhen times are tough, you can count on scammers to take advantage of the situation. Homeowners who are experiencing financial hardship and ...
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Are Mortgage Points Worth It?
Whether you’re a first-time homebuyer or just haven’t gone through the process in a while, you may be wondering what mortgage points are and if paying for points is worth the cost.Paying points on...
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