1. Equifax Security Breach

    EQUIFAX SECURITY BREACH   On September 7, 2017, a cybersecurity breach was announced by Equifax, one of the three U.S. credit-reporting bureaus, impacting approximately 143 million people. The unauthorized access occurred from mid-May through July of 2017.     As a result, Equifax is offe…Read More

  2. What is a Fiduciary?

    I am seeing more and more references to the term “fiduciary” in newspaper articles, in online advertisements, and in news reports. Do you know the answers to the following questions? What is a fiduciary? Why are fiduciaries important? Why are fiduciaries in the news? Definition (fi·du·ci·ar·…Read More

  3. What You Need to Know About Bonds and Why

    Bonds and stocks are the two basic building blocks of any investment portfolio. Bonds are, undoubtedly, the less understood of the two. A stock represents ownership in a business, and the stockholder shares in the profits and losses of the business. But what about bonds? A bond is a surprisingly sim…Read More

  4. How to Choose the Most Effective Charity

    By Kim Gardey Making a charitable contribution is a lot like making an investment. Just as you want to maximize the return on your investment, you want to get the most from your contribution. How can you choose the charity that will make the best use of your contribution? What you want to know is ho…Read More

  5. How to Build Your Retirement Savings the Easy Way

    By Kim Gardey If someone offered to deposit money into your retirement account every pay day, would you turn them down? Well, maybe someone has already made that offer. If your employer offers a 401(k) retirement account, chances are good that as part of the plan, they will match a portion of your c…Read More

  6. Ten Days Can Make a World of Difference

    There are many people out there who claim to know when to buy and when to sell stocks at the "right time". What could be better than selling before the market goes down and buying before the market goes up? This type of investing is referred to as "market timing," and its appeal can be very seductiv…Read More

  7. Will You Ever Have to Pay a Death Tax?

    By Kim Gardey A common financial planning question we are asked by our clients is whether their assets will be subject to the estate tax, otherwise known as a death tax. For most people, the answer is no. Their assets will not be subject to a estate tax. There are two reasons why this is so: Reason …Read More

  8. How Does Your Wealth Compare?

    By Kim Gardey Have you ever wondered how your wealth compares with what others have been able to accumulate? It is simply human nature to wonder how the wealth you have built up compares to the success of others. Below are the results of a recent government survey. (Note: Age is a crucial factor—t…Read More

  9. Want a Politician Dictating Your Will When You Die?

    By Kim Gardey If you die without a will, there has to be a process for determining who gets your property. Somehow, the ownership of assets has to be resolved. Every state has acknowledged this need for closure, and all state legislatures have enacted laws that dictate who gets what in the event som…Read More