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Retirement marks a new chapter, one that often requires a shift in both strategy and mindset. After decades of saving, moving into the distribution phase can feel overwhelming. The good news? With the right habits, you can approach...

Budgeting is a powerful first step on the path to building wealth as a young investor. By establishing mindful financial habits now, you can build a solid foundation to support your long-term financial goals. Here are ten budgeting...

Reduce Your Credit Card DebtCredit card debt doesn't have to keep you from fulfilling your financial goals.Not all debt is bad. Mortgage and auto loans are often necessary, but credit card debt can be sneaky – it usually starts small...

As you grow and manage your wealth, consider these five tax-efficient investment strategies that could help optimize returns and minimize your tax burden.1. Strategic Account SelectionStrategically placing your assets in different...

Cetera Investment Management is pleased to release its annual Market Outlook for 2026 titled, "Economic Resilience Meets Elevated Expectations." As we enter 2026, the U.S. economy faces a mix of structural shifts and fiscal...

Retirement is an exciting milestone, but it often comes with big changes, both in your finances and your mindset. After years of building wealth, shifting from saving to spending can feel unfamiliar. The good news? With a few practical...

The Internal Revenue Service recently released new limits for 2026. Although these adjustments won’t bring any major changes, there are some minor elements to note.Individual Retirement Accounts (IRAs)IRA contribution limits are up...

When the One Big Beautiful Bill (OBBB) Act was passed on July 4, the legislation left several unanswered questions that the IRS is now addressing. The IRS undergoes this process every year, but this time around, the OBBB has added to...

As tax season approaches, a little early organization may help things feel more manageable. This time of year often brings a steady flow of paperwork, deadlines, and decisions, so this message is simply a supportive reminder to help...

At times, 2025 felt like an extraordinary year for stock investors. From tariff uncertainty to international tensions to drama at the Fed, 2025 felt like no other year before.But in hindsight, 2025 was pretty ordinary. In fact, from a...

As the year ends, it’s a great time to check in on your retirement strategy, especially if you’re approaching your final working years. This transition is more than just a financial shift; it’s a lifestyle change. Taking proactive...

We recently reviewed your financial situation and uncovered an opportunity that could help you save money on taxes. According to your IRS Form 1099, you had taxable income from investments last year. We believe you would benefit from...

Your peak earning years are a powerful time to build financial momentum—but it takes more than income. Strategic planning and informed decisions are key. As the year ends, consider these five areas to strengthen your financial...

As your peak earning years unfold, now is the time to turn income into lasting financial momentum. The end of the year offers a strategic opportunity to review your finances and take action. Here are five key areas to focus on:...

After reviewing your financial situation, we’d like to discuss life insurance policies that could not only protect your family’s future but also help mitigate taxes and provide income in the coming years. Insurance is a key component...

As the year comes to a close, it’s a great time to reflect on your financial progress and make strategic updates to your retirement plan. These six key areas can help you finish the year strong and step into the next with confidence:...

Cetera Investment Management is pleased to release its 2025 Q4 Outlook titled, “Are We Entering a Jobless Expansion?” In this outlook, they explore how the Fed’s next move, rising tariff risks, and a weakening labor market are shaping...

As the year winds down, it’s the perfect time to take stock of your retirement strategy and make adjustments that can set you up for long-term success. Whether you're nearing retirement or already enjoying it, these year-end planning...

As the year winds down, it’s the perfect time to revisit your retirement strategy—especially if you’re nearing retirement. This transition from saving to spending is one of the most important financial shifts you’ll make. Here are a...

Prepare Your Family For The Future Start Discussing Your Estate Plan It can be a difficult subject to bring up, but talking to your family about your estate plan is a gesture that allows your family members to stay up to date on your...

During your golden years, you’ll likely find that managing your income looks different than it once did. By implementing effective tax strategies, you can potentially reduce your tax burden and make your hard-earned savings last...

It’s time for your life insurance checkup. September is National Life Insurance Awareness Month, so it’s a great time to review your coverage.1 If you don’t have any life insurance, you’re not alone. Life insurance is one of those...

Are You Using Your Lossesto Your Advantage? What is tax-loss harvesting? Tax-loss harvesting is a strategy that helps you reduce the taxes you owe on the capital gains from one investment with the capital losses from a different...

Prepare Yourself as a First-Time Homebuyer You’ve decided to buy your first home. That’s great! This is a big financial decision that likely took a lot of time and energy to make. With this decision comes an investment opportunity,...

In the realm of high-net-worth wealth management, traditional investment strategies alone may not suffice. As your estate grows, so does the complexity of managing it. This is where insurance and risk management come into play,...

Did you know that allocating a portion of your portfolio to purchase a life insurance death benefit can help offset market losses? That’s because life insurance complements other asset classes, such as stocks and bonds, helping to...

Who Should Consider A High Deductible Health Plan? What is a High Deductible Health Plan? A High Deductible Health Plan (HDHP) is a government Marketplace health plan with an annual deductible of at least $1,400 for an individual or...

Whether you’re receiving Medicare benefits now, or will begin soon, it’s important to understand how income-based premiums are calculated for Medicare Parts B and D. Your premium is determined by your modified adjusted gross income...

We get regular updates on the Social Security trust fund. The Social Security Board of Trustees announced that the trust funds had revenue to pay full benefits until 2035. Generally speaking, the headline’s tone is very grim and...

Are You Using Your Lossesto Your Advantage? What is tax-loss harvesting? Tax-loss harvesting is a strategy that helps you reduce the taxes you owe on the capital gains from one investment with the capital losses from a different...

College savers often wonder whether saving too much can hurt their kids’ chances of receiving financial aid. It’s a complicated topic, and the answer will vary from family to family. In general, saving a significant amount in a 529...

The Fed’s May meeting was pretty much a humdrum event. Even Fed Chair Powell's post-meeting press conference was uneventful. “We are always going to do the same thing,” he said. “We are going to use our tools to foster maximum...

Today’s financial landscape is filled with opportunities, but many people still believe that building wealth through investing requires a rigid, one-size-fits-all approach. In reality, investing is a deeply personal process that...

Make More Residual Income Are you looking for more ways to make more money but are already spending 40 hours a week at your regular job? Residual income could be the answer you're looking for! We're going to let you in on four ways...

Realizing you have less saved for retirement than you think you’ll need can be concerning. Despite potential setbacks like supporting children through college or managing unexpected expenses, it's never too late to take action,...

As you grow and manage your wealth, consider these five tax-efficient investment strategies that could help optimize returns and minimize your tax burden. 1. Strategic Account Selection Strategically placing your assets in different...

Celebrating Our Educators: Thank You for Shaping the Future!

Alfred Edmonds

Sunday, May 4, 2025

As Teacher Appreciation Week approaches, I want to take a moment to say thank you to all the dedicated educators who give so much of themselves every single day. Teaching is more than a profession—it’s a calling. And the impact you...

Today’s financial landscape is rich with opportunities, but many still believe in following a ‘cookie-cutter’ approach to investing and building wealth. In truth, investing should be a personalized process, shaped by your goals,...

What the Sale of Delaware Funds Means for Your Investments As part of my commitment to keeping you informed, I wanted to provide an update on a recent change that may impact your portfolio. Macquarie Asset Management, the parent...

In today’s low interest rate environment, it rarely pays to keep extra cash on the sidelines, outside of household spending and emergency funds. With interest rates on debt at two to three times higher than the average bank rate...

April marks the start of Financial Literacy Month, a nationally recognized movement to promote and support financial understanding in children and teens. For many, it's a fantastic opportunity to teach and connect with their children...

Cetera Investment Management is pleased to release its 2025 Second Quarter Outlook, “Steering Through Uncertainty”. In this outlook, they discuss how early year optimism around AI spending and pro-growth policies soon shifted to...

What is the Social Security Fairness Act?

Alfred Edmonds

Tuesday, March 4, 2025

You may have heard about the recently signed Social Security Fairness Act and wondered what it was and how it might affect you. The Social Security Fairness Act eliminates two longstanding provisions for Social Security: the Windfall...