Financial Insights
& Gardey Newsletters

April's Financial Focus: Boost Your Literacy and Wellness

Higher Interest Rates are Here to Stay

How Long Will $1 Million Last You in Retirement?

Planning for Mental Incapacity: Safeguarding Your Financial Future. Mental incapacity due to aging or illness is an uncomfortable topic that most of us prefer to avoid. However, the statistics make a compelling argument for confronting this issue head-on.

How to Rehearse Your Perfect Retirement Early

How Much Should You Spend on Marketing? A Comprehensive Guide for Business Owners including tips to consider when determining your business marketing budget.

What should you do with your 401(k) after you separate from your employer? Many people don’t give it another thought once they leave a job, choosing to leave it as is by default. By not making a decision, they could be complicating their lives and relegating their retirement funds to long-term underperformance, which few people can afford.

While most of us are busy Marie Kondo-ing our closets for a dopamine boost, it's also the perfect time to dust our finances thoroughly.

It has become too easy to withdraw money from a 401k), but, in many cases, it can be difficult to put the money back, resulting in a permanent reduction of your retirement savings.

Why do people struggle to make the right decisions about their money? On a conscious level, we know what we're supposed to do—i.e., saving our money, living within our means, and avoiding debt. But it seems there is a divergence between what we know to be the right thing to do and the actual decisions we make. That behavioral deviation leads to many people struggling to meet their financial goals. But why does that happen? If we consciously know what we should be doing with our money, what keeps us from doing it?

Currently, more than 18 million Americans have chosen to be in a long-term relationship outside matrimony. While it has become more common and accepted in society, unmarried couples face a broad range of challenges and complexities.

The Year of Inflation