Blog

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, […]

Let’s Give Them Something to Talk About

October 1st, 2018|

By Pete Biebel, Senior Vice President

Last week, the market had a lot of talk, but not much action.  Apparently “no negotiation” plus “no accommodation” plus “no confirmation” equals stagnation.  Stocks began the week with a Monday morning pullback on the news that China had canceled the proposed trade negotiations.  The market recovered into midweek, but […]

For College Bound Students, the Time to File the FAFSA is Now!

October 1st, 2018|

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

Although the 2018-2019 school year has just begun for most students, it’s already time to file the Free Application for Federal Student Aid (or FAFSA) for the 2019-2020 academic year.  If you have a student in college or in their final year of high […]

The Polytetrafluoroethylene Market

September 24th, 2018|

By Pete Biebel, Senior Vice President

Polytetrafluoroethylene is a synthetic fluoropolymer of tetrafluoroethylene.  It’s better known by its trade-marked brand name: Teflon.  A former reputed head of the Gambino crime family, who was known as “The Dapper Don,” was later given the nickname “The Teflon Don” after he was acquitted on several felony charges.  Get it??  […]

Protecting Your Most Valuable Asset…Your Income

September 20th, 2018|

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

Is your family dependent on your ability to make an income now and in the future?  If the income you earn would suddenly stop, due to death or disability, could your family continue to meet their financial obligations such as paying the rent or mortgage, paying […]

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 […]

It Ain’t Gettin’ Any Greener

September 10th, 2018|

By Pete Biebel, Senior Vice President

That was a declaration a friend of mine used to make when a driver ahead of him at a traffic light sat still a little too long after the signal had changed.  It was his snarky alternative to, “Come on, Bub.  Whatcha waitin’ for?” or the more mundane, “Move it, […]

Avoid Tax Surprises This Year: No More Deduction for Investment Advisory Fees

September 7th, 2018|

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

(Part 4 of a 4-part series)

Some surprises are good, but when it comes to taxes it is better to know what you can expect.  In general, the new tax laws that take effect in 2018 will reduce taxes paid by many individuals because of […]