Broker Check


Friday, December 1, 2023

Depending on your current health insurance plan, you may have access to either a flexible spending account (FSA) or a health savings account (HSA).

Friday, December 1, 2023

When it comes to your estate plan, you don’t just have it drafted and put away until it is time for your loved ones to manage your lifetime of affairs. As your world changes year by year, it is critical that you review your estate plan.

Friday, December 1, 2023

The Christmas season is an excellent time of the year to review your financial planning strategy. Our finances are top of mind as most of us are monitoring our spending as the holiday and new year approaches.

Friday, December 1, 2023

As age 73 nears, it is critical that you begin considering how you want to handle the required minimum distributions (RMDs) you are obligated to withdraw from your tax-advantaged retirement accounts.

Wednesday, November 1, 2023

As we approach the last quarter of each year, it is a good time to plan for the next one. Year-end planning is especially important for existing retirees and those hoping to retire in the next few years.

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Wednesday, November 1, 2023

Targeted scams have become even more popular with the amount of personal information readily available on the internet. Social Security recipients are, unfortunately, targeted by some of the most sophisticated scam artists out there.

Wednesday, November 1, 2023

Tax planning can be more advantageous when done during the year and well in advance of year’s end. Opportunities may exist for you to minimize tax liability, which could leave more income for you and/or your family.

Wednesday, November 1, 2023

Qualified Charitable Distributions (QCDs) are vital for those who must take an annual required minimum distribution (RMD) but seek a tax-advantaged strategy that may help lower their adjusted gross income (AGI).

Wednesday, November 1, 2023

The penultimate month of the year is often a time to reflect and offer thanks. And while economic and geopolitical uncertainty can overshadow the positives, there are things to be thankful for.

Wednesday, October 4, 2023

The S&P 500 lost 3.3% in the third quarter after sliding nearly 5% in September. Putting this into perspective, nothing really qualifies as out of the ordinary. Since 1950, the S&P 500 has historically declined in September 55% of the...

Sunday, October 1, 2023

When you work with a financial professional, you know how important the year-end review is to the financial planning process. Here is what you should do in order to make your annual financial planning review more efficient and productive.

Sunday, October 1, 2023

Now more than ever, it's important to safeguard yourself against identity theft. Here are some steps you can take to protect your personal and financial information.

Sunday, October 1, 2023

Many of you already have estate documents, probably executed many years ago. You need an estate attorney to look over your documents every 10 years or so. Here are a dozen points to review.

Sunday, October 1, 2023

Have you ever thought about what would happen if you or a family member were no longer able to live independently? You can start the LTC planning process by considering the following common options for receiving and funding care...

Sunday, October 1, 2023

Being caught between two generations of loved ones who require care can be both financially and emotionally draining, but there are ways to reduce the pressure. Here are three financial planning challenges the sandwich generation is likely

Thursday, September 7, 2023

Financial markets lived up to their reputation during the month of August, which has a record for being difficult. On the first day of August, markets had to contend with a downgrade of U.S. long-term debt by the rating agency, Fitch.

Friday, September 1, 2023

In the college savings game, all strategies aren't created equal. Ideally, you'll want to choose a savings vehicle that offers you the best combination of tax advantages, financial aid benefits, and flexibility, while meeting your needs.

Friday, September 1, 2023

The purpose of a 401(k) is to save for retirement. Still, if you're facing a financial emergency borrowing or withdrawing money from your 401(k) may be your only option.

Friday, September 1, 2023

Disasters can strike anybody at anytime, resulting in catastrophic property damage and loss. While they can be unpredictable, there are measures you can take both before and after they strike to protect your property and your finances.

Friday, September 1, 2023

Life insurance is just like any other piece of your financial puzzle. As your circumstances and needs change, periodic monitoring is needed to help ensure that your life insurance will achieve your desired objectives.

Tuesday, August 1, 2023

Most of us who have experienced college are all too familiar with that intimidating mountain you have to climb upon graduation: repaying your student debt. Seeing our children struggle financially is heart-wrenching, and though we want...

Tuesday, August 1, 2023

In recent years, the cost of higher education has risen well ahead of inflation. At some private colleges and universities, the net cost for one year’s full-time education, including tuition, fees, and room and board...

Tuesday, August 1, 2023

PortfolioAn investment portfolio is a collection of investments owned by an individual or an institution. Typically, a portfolio comprises a mix of asset classes such as stocks, bonds, and cash. An investor's risk tolerance, time...

Tuesday, August 1, 2023

Go out into your yard and dig a big hole. Every month, throw $50 into it, but don't take any money out until you're ready to buy a house, send your child to college, or retire.It sounds a little crazy, doesn't it? But that's what...

Saturday, July 1, 2023

Your finances are probably one of the last places you want to experience fireworks—unless they are celebratory. With new year's resolutions firmly in the rearview mirror, the summer months allow you to revisit your financial...

Saturday, July 1, 2023

Scammers are one of the biggest unseen threats out there, and they are especially dangerous to the most vulnerable—the elderly population. In fact, more than $1.7 billion was lost in 2021 among the sixty-plus age group, a 74...

Saturday, July 1, 2023

Borrowers should brace for repayment resumption and start planning nowOn the brink of a U.S. default, the Senate recently approved a deal to raise the debt ceiling until 2025, bringing some relief to financial markets. The agreement,...

Saturday, July 1, 2023

As the U.S. population continues to age, the “sandwich generation” is caught in the middle, supporting both their parents and their children, whether financially, physically, or emotionally. This...

Thursday, June 8, 2023

Every so often Washington likes to remind us how hard it can be to get things accomplished. The most recent example is the debt ceiling—the amount Congress can borrow to pay its bills. It seems like we have this debate every few...

Thursday, June 1, 2023

College is expensive for many people. The average tuition and fees at a college or university for the 2019 to 2020 academic year at a four-year institution was $9,4001. This may include the cost of tuition, books, and housing.

Thursday, June 1, 2023

Responsible investing is widely understood as the integration of environmental, social and governance factors – hence the ESG acronym – into investment processes and decision-making.

Thursday, June 1, 2023

If you're married (or about to be married), financial planning is certainly important. It's also important for you to be aware of the income tax ramifications of your decisions.

Thursday, June 1, 2023

The sandwich generation is a term commonly used to describe those between the ages of 40 and 59 who are responsible for raising their family and are also often helping their aging parents manage their ongoing needs.

Monday, May 1, 2023

Go out into your yard and dig a big hole. Every month, throw $50 into it, but don't take any money out until you're ready to buy a house, send your child to college, or retire. It sounds a little crazy, doesn't it?

Monday, May 1, 2023

You may have thought your digital identity was safe and not a likely target of a cybercriminal until one day, the bank calls wondering if purchases made at a store that you have never been to, 2,000 miles away, were made by you.

Monday, May 1, 2023

Mental health is essential to everyone’s wellbeing. Mental health disorders, diagnosed or not, may be playing a role in your daily life. Often, financial problems or worries may impact your mental wellbeing, especially if you’re anxious.

Monday, May 1, 2023

After spending so much of your life saving for retirement, it may be challenging to transition from depositing funds to withdrawing them. You may wonder whether there is any way to maintain your lifestyle and preserve your wealth.

Monday, May 1, 2023

According to the College Board, the most recently published figures of the average annual cost of tuition and fees at a public university for the 2021-2022 school year was $10,740 for in-state students and $27,560 for out-of-state students.

Wednesday, April 5, 2023

The sound foundation of our financial system corroborates our constructive optimism of the upward and long-run trend of markets, despite headlines designed to jar nerves and test our steadfast resolution.

Saturday, April 1, 2023

Determining how your income impacts Social Security (SS) taxes is important for tax planning. Factors that determine how much pay SS tax you pay, depending on your circumstances, include: If you have income from working in retirement.

Saturday, April 1, 2023

Financial feats that were once unheard of—from investing in cryptocurrency to instantly paying someone through an online payment system—have now become commonplace in many parts of the country.

Saturday, April 1, 2023

After retirement, you may find you have more time on your hands than you first anticipated. If you are looking for something to fill your downtime that may be fulfilling to your health and wellbeing, community service may be the answer.

Saturday, April 1, 2023

If you hope to retire soon and are concerned about what the future may hold for your investments, you are not alone. Inflation has many retirees and soon-to-be retirees worried about outliving their savings and investments.

Friday, March 24, 2023

While retirement is a time to enjoy the things you have worked hard for in life, the next chapter may leave some a little anxious. Retirement doesn't mean you have to retire from the excitement in life.

Friday, March 17, 2023

You have certain rights with respect to your credit files. The Fair Credit Reporting Act (FCRA) was created to promote fairness, accuracy, and privacy with respect to files maintained by any consumer-reporting agency.

Friday, March 10, 2023

In general, workers seem to begin preparing for retirement almost as soon as they get their first job. However, according to the 2021 Retirement Confidence Survey by the (EBRI), retirement preparations do vary a bit by age group.

Tuesday, March 7, 2023

As more and more consumers search for financial information on the Internet, they may inadvertently leave themselves open to being “tracked” by certain companies and individuals.

Thursday, March 2, 2023

Financial markets have experienced quite a bit of change this year in just two short months. We remain confident that a new bull market will come—it just may require a bit more of our patience before we get there.

Friday, February 3, 2023

When we look back on 2022, it’s easy to identify the challenges—but if we look closer, we can also uncover some opportunities. Overall, we see reason for renewed optimism when it comes to the markets in 2023.

Wednesday, February 1, 2023

Navigating elder care and elder care finances in the U.S. can be a challenge even for the most well-prepared households. So what, exactly, is involved in senior financial planning? What steps can you take now?

Wednesday, February 1, 2023

A wise entrepreneur considers their potential exposure before leaping into a new business venture, moving forward only on those opportunities that present enough potential upside to make the risks worthwhile.

Wednesday, February 1, 2023

A surprising two out of every three American adults do not have any kind of written estate plan. For adults who also serve as family caregivers, not having a plan in place can pose major risks for them and their entire family.

Wednesday, February 1, 2023

From the outside looking in, it might appear that investors don’t have much this year that can generate excitement. However, some investors turn to a little-known strategy called “tax-loss harvesting.”

Monday, January 2, 2023

Whether you're hoping to retire soon or are just beginning to explore the idea of stepping back from your job, you're probably wondering how to make it happen. Will you have enough money? How will you spend your time? What will you do...

Monday, January 2, 2023

What if you focused on your system instead of just your goals? Setting goals for a new year can feel overwhelming.  We all know that resolutions don’t last, but we also feel the energy that comes with a new year of...

Monday, January 2, 2023

While you never know your needs as you age, the first step is thinking about your financial situation and health today so you can plan for your later years. With a one in four chance of making it to our 90th birthday, being independent...

Monday, January 2, 2023

When you think of identity theft, you may think of unauthorized credit card payments or new lines of credit. However, tax identity theft is one of the most common types of identity theft — and it’s also the most common...

Tuesday, December 6, 2022

Through all the challenges, newfound opportunities, and every high and low we’ve experienced during the last couple of years, it’s no surprise why we might be striving for more balance. Whether it’s about the markets...

Thursday, December 1, 2022

What constitutes a gift to charity? A gift to charity is simply a gratuitous transfer of property to a charitable organization. The key is that your gift must be some kind of property--your time or personal services do not count. There...

Thursday, December 1, 2022

Finding the perfect gift for those on your list can be difficult, but you can make your holiday shopping easier by gifting subscription boxes. These packages of hand-selected goodies can be arranged and mailed for you, and if you...

Thursday, December 1, 2022

When you own a business, you get to deduct business expenses from your business income. This general rule applies, subject to certain limitations, whether you are a sole proprietor with employees or a self-employed freelancer...

Thursday, December 1, 2022

What is family wealth, and how do you preserve it? You have worked hard for years and accumulated wealth. You earned this money through your job, investing, and saving, and you want to preserve it for yourself and to take care of...

Thursday, December 1, 2022

Here are some things to consider as you weigh potential tax moves between now and the end of the year. 1. Defer income to next year. Consider opportunities to defer income to 2023, particularly if you think you may be in a lower tax...

Friday, November 11, 2022

Are you an animal lover looking for ways to help dogs, cats, and other rescued animals at your local shelter? From spending time with pets in need to helping with administrative tasks, there are a variety of ways you can help improve...

Friday, November 11, 2022

With its family traditions and festive celebrations, the holiday season is the most wonderful time of the year. And according to, the giving in the U.S. alone totaled $2.7 billion to nonprofits and community...

Friday, November 11, 2022

Yes, there are good things about being old, such as increased happiness, less stress, better marriages and deeper friendships. You seldom hear that: People tend to focus on the...

Thursday, November 10, 2022

Don’t settle for an ordinary cake roll this holiday season. This pecan roll is made with a delicious spice cake and is full of sweet caramel cream, for a festive dessert you can bring to any celebration! Ingredients: For the...

Thursday, November 10, 2022

Black Friday and Cyber Monday are two of the greatest days to score deals for holiday shopping. Unfortunately, with amazing deals plentiful, some scammers use these days to take advantage of shoppers looking for the greatest bargains...

Thursday, November 10, 2022

American Express created Small Business Saturday in 2010 to provide small businesses with a holiday season boost on the heels of Black Friday. The day comes after one of the biggest shopping sales events and serves as a reminder to...

Tuesday, November 8, 2022

The window of opportunity for many tax-saving moves closes on December 31, so it's important to evaluate your tax situation now, while there's still time to affect your bottom line for the 2022 tax year. Consider any...

Tuesday, October 25, 2022

The terms Medicare and Medicaid are similar sounding names; however, these programs serve very different needs. Medicare is a health insurance benefit program for those aged 65 and older and others with certain disabilities. Medicare...

Tuesday, October 25, 2022

The cost of long-term care can vary widely based on location (both city and state) and level of care needed. However, one thing is for certain: with 7 in every 10 people requiring long-term care at some point, preparing for this...

Wednesday, October 19, 2022

As cloud storage becomes more common, data security is an increasing concern. Companies and schools have been increasing their use of services like Google Drive for some time, and lots of individual users also store files on Dropbox...

Wednesday, October 12, 2022

Those turning 65 this year have a 7 in 10 chance of needing long-term care (LTC) at some point.1 With the cost of a private room in a nursing home now topping $100,000 per year, the thought of paying this — or for a loved...

Wednesday, October 5, 2022

For many, autumn is the best time of year. The return of cool breezes, comforting foods, and pumpkins can be invigorating. It’s also a bookmark of sorts, especially for your finances—a perfect time to take stock of your...

Sunday, September 25, 2022

Understanding the importance of life insurance is one thing. Understanding the tax rules is quite another. As insurance products have evolved and become more sophisticated, the line separating insurance vehicles from investment...

Sunday, September 18, 2022

Understanding long-term capital gains taxes when you sell investmentsMarket downturns could be a good time to adjust your fund portfolio to minimize the tax bite. Here’s how to calculate the best ways to do that – now and...

Sunday, September 11, 2022

You're about to receive a distribution from your 401(k) plan, and you're considering a rollover to a traditional IRA. While these transactions are normally straightforward and trouble-free, there are some pitfalls you'll want to avoid...

Saturday, September 3, 2022

A recent survey by found that a whopping two in three American adults do not have an estate plan1—an alarming statistic, considering that an estate plan can protect your assets and ensure that they go to the right...

Saturday, August 27, 2022

Investing for your retirement isn't about getting rich quick. More often, it's about having a game plan that you can live with over a long time. You wouldn't expect to be able to play the piano without learning the basics and...

Saturday, August 20, 2022

For many who are decades away from leaving the workforce, retirement may seem like an abstract concept. But once you've entered your late fifties—like the youngest Baby Boomers, turning 57 in 2021—retirement may begin to...

Sunday, August 7, 2022

Every consumer likes a good bargain, particularly value investors, who seek out stocks trading for less than their intrinsic value. By choosing companies the market has undervalued, or investing in mutual funds with similar objectives...

Friday, July 22, 2022

Hiring employees is sometimes a difficult task. You may need to find employees who fit the business culture and have the skills to get the job done. The good news for small businesses looking for employees with various skills and a...

Saturday, July 16, 2022

Though baseball and stock market investing may not seem to have much in common, there are a few key similarities—both are stats-driven and require focus, a relative lack of emotion, and a clear mind. And when it comes to...

Tuesday, July 12, 2022

Markets rarely give us clear skies, and there are always threats to watch for on the horizon, but the right preparation, context, and support can help us navigate anything that may lie ahead. So far, this year hasn’t seen a...

Friday, July 8, 2022

How long do you think you will live? How long does your money need to last? If you’re like most people, you get this age wrong. The consequence? Faulty retirement...

Friday, July 8, 2022

As the calendar has turned to July, investors would certainly like to forget the first six months of 2022. However, the Fourth of July Independence Day holiday does bring with it reason for celebration. Not only is it the...

Tuesday, July 5, 2022

Making decisions about your retirement account can seem overwhelming, especially if you feel unsure about your knowledge of investments. However, the following basic rules can help you make smarter choices regardless of whether you...

Monday, June 27, 2022

A life insurance policy is part of financial planning. Life insurance is there to help ease the financial trauma that comes with the loss of a spouse, parent, or partner. As you encounter different events in your life, you may need to...

Wednesday, June 22, 2022

While it may seem that fishing and investing are completely unrelated, believe it or not, there are some characteristics that make a person good at fishing that can also transfer to investing. Here are six fishing lessons you can apply...

Tuesday, June 14, 2022

Although many things have changed in the financial world over the past 20 years, some nuggets of financial advice are timeless. Here are a few tips that have remained constant for several generations. Always Spend Less Than You...

Tuesday, June 14, 2022

A bear market is officially here thanks largely to stubbornly high inflation. For many of us, it has probably felt like a bear market for a while now, but the S&P 500 Index didn’t close more than 20%...

Wednesday, June 8, 2022

If you have always thought estate planning was just for those nearing retirement or already retired, think again. If you own a home, it is important to have a plan in place. Without a will or other arrangements that allow your home to...

Friday, June 3, 2022

The bull market that began in March of 2020 came dangerously close to an end. From March 23, 2020 through January 3, 2022, the S&P 500 Index gained 114% (excluding dividends). From that January 3 closing high through the recent low on...

Thursday, June 2, 2022

Retirement is one of the biggest life transitions adults will ever deal with. After 20, 30, or 40 or more years in the workforce, new retirees can find it hard to adjust to the reduced amount of structure in their daily lives. But...

Friday, May 6, 2022

As we move into spring and leave behind the last signs of a long winter, many worries from a chilly start to the year for markets, unfortunately, are still with us. The S&P 500 Index had its worst April in more than 40 years, leaving...

Sunday, April 24, 2022

Sunday, April 17, 2022

Sunday, April 10, 2022

Friday, April 8, 2022

“Bull markets are born on pessimism, grown on skepticism, mature on optimism, and die on euphoria.” - Sir John Templeton According to the guidance of revered investor Sir John Templeton, it appears to us that this market...

Sunday, April 3, 2022

Sunday, March 27, 2022

Sunday, March 20, 2022

Sunday, March 13, 2022

Sunday, March 6, 2022

Monday, February 28, 2022

Monday, February 21, 2022

Monday, February 14, 2022

Monday, February 7, 2022

Friday, January 28, 2022

Sunday, January 23, 2022

Monday, January 17, 2022

Friday, January 14, 2022

Monday, January 10, 2022

Wednesday, January 5, 2022

Sunday, January 2, 2022

LPL Research Outlook 2022: Passing the Baton is designed to help you navigate the risks and opportunities over the rest of 2021 and beyond. While the economy continues to move forward, we’re still feeling some aftershocks of...

Tuesday, December 28, 2021

Wednesday, December 22, 2021

Wednesday, December 15, 2021

Wednesday, December 1, 2021

You may know that your small business needs a written business plan—but how do you get started? What elements should your plan address, and do you need different plans for different audiences? Below we discuss a few of the key...

Monday, November 29, 2021

Giving Tuesday is a day to extend the goodwill that the holiday season may bring to help others. With so many in need, the holiday season is a reminder to help those less fortunate. Whether you want to donate your time or contribute...

Friday, November 26, 2021

Medicare beneficiaries can make new choices and pick plans that work best for them during the annual Medicare Open Enrollment Period. Each year, Medicare plan costs and coverage typically change. In addition, your health-care needs may...

Thursday, December 15, 2016

One survey found that the most pressing financial concern facing 42% of small business owners is developing a retirement plan and exit strategy.¹ If you have yet to develop a retirement plan for your business, or if you're not...