General

Plan Now for a Peaceful and Debt Free Holiday

November 8th, 2018|

By Debbie Placke, Vice President, Manager, Financial Planning Tools and Marketing

Halloween has passed, and Christmas is popping up everywhere! It’s easy to get carried away with all of the exhilaration leading up to the holidays, but don’t let the excitement steer you to more anxiety than peace this holiday season.

Do you remember every gift that […]

Scary Financial Mistakes: Overlooking Incapacity Planning

October 31st, 2018|

By Jeffrey R. Wolfe, Senior Vice President, Manager of Wealth Planning Strategies

With Halloween upon us, we have the last scary financial mistake of our series.  This is one of the most important, most overlooked, and often most dreaded part of planning:  planning for your incapacity.

Many feel incapacity is as likely as the boogey man under […]

Scary Financial Mistakes: IRA Rollover Blunders

October 24th, 2018|

By Theresa Fry, Senior Vice President and Manager, IRA’s and Retirement Planning

Nothing can be scarier than receiving an IRS notice in the mail, especially if the letter suggests that you owe additional taxes, interest, or penalties.  When a botched IRA rollover is the cause, that mistake can lead to bigger problems with the loss of […]

Scary Financial Mistakes: Becoming Disabled without Insurance

October 17th, 2018|

By Dan Schulte, Vice President and Manager, Annuities and Insurance

Disability is frightening, so much so that you might not want to think about it at all. However, becoming disabled without proper planning could make the burden of a disability even worse by resulting in a significant economic hardship for you and your family. The chances […]

Scary Financial Mistakes: Failing to Take Advantage of Your 401(k) Plan

October 10th, 2018|

By Edward “Ed” V. O’Neal, Vice President and Manager, Retirement Plans

When thinking about the prospects of saving for retirement, it’s normal to feel overwhelmed or scared about where to start.  If you are fortunate enough to work for an employer that sponsors a 401(k) plan, you have an easier way to facilitate the journey toward […]

Scary Financial Mistakes: Carrying Too Much Debt

October 3rd, 2018|

By Theresa Fry, Senior Vice President and Manager, IRA’s and Retirement Planning

Everybody makes mistakes.  They are part of life.  They are how we learn and grow. Some mistakes have more of an impact on us and our psyche than others.  Whether your mistakes were happy accidents and the outcome was good or perhaps the opposite, […]

Redefining ‘Success’ for Business Owner 401k Plans

September 19th, 2018|

By Edward “Ed” V. O’Neal, Vice President and Manager, Retirement Plans

Business Owners are starting to redefine what means to have a successful 401k plan.  For many years, the primary metric for a successful plan was the level of employee participation in the plan (i.e.  how many employees contributed to the 401k plan).  However, increasingly, providing […]

Gifting Strategies for Grandparents

September 13th, 2018|

By Theresa Fry, Senior Vice President and Manager, IRA’s and Retirement Planning

Nothing compares to the joy of becoming a grandparent and seeing your children have children.  Sunday was National Grandparents Day, a day to honor and celebrate the special family relationship between a grandparent and grandchild.

Grandparents often have a desire to help their grandchildren financially.  […]

Using Life Insurance to Fund a Cross-Purchase Buy-Sell Agreement

September 12th, 2018|

By Dan Schulte, Vice President and Manager, Annuities and Insurance

Often, small businesses struggle, and in some cases, go out of business when an owner dies. In addition, many businesses experience a decline in employment and sales for many years after that key owner passes away.  For these businesses, funding a buy/sell agreement with life insurance […]

Avoid Tax Surprises This Year: Better Charitable Deductions. . . if You Itemize

September 6th, 2018|

By Jeffrey R. Wolfe, Senior Vice President, Manager of Wealth Planning Strategies

(Part 3 of a 4-part series)

Tuesday, we reviewed the importance of checking your withholding to make sure you are not over/under-withholding due to the tax law changes this year.  Yesterday, we focused on how state and local tax deductions have been limited under the […]