1. 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

  2. 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

  3. 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

  4. Life without lattes? Test-drive your retiree budget

    Susan Tompor, Detroit Free Press Personal Finance Columnist Most retirees -- but not all -- see household spending drop the first years in retirement. But the reductions might only be 5.5% to 12.5% in the early years compared with pre-retirement spending. Dorethia Kelly, author of "#MoneyChat," said…Read More

  5. Planning Idea – Roth IRA for a Child

    Opening a Roth IRA for a child may be a wise investment choice. The longer anyone can keep money invested in a tax-free vehicle, the greater the wealth accumulation. There is no minimum age requirement to open a Roth IRA for a child. Many banks, brokers, and mutual funds will let you set up a custod…Read More

  6. How to Protect Yourself From Phishing

    What is phishing? Phishing (pronounced: fishing) is an online-fraud technique that is used by criminals to lure you into disclosing your personal information. Unfortunately, as phishing attacks become more sophisticated, it is very difficult for the average person to tell whether an email message or…Read More


    By Jon Gardey, President and CEO The recent Brexit vote and stock market reaction has dominated the news lately. On June 23, the citizens of the United Kingdom (England, Scotland, Wales, and Northern Ireland [otherwise known as the UK]) voted to leave the European Union (EU). The EU, based in Brusse…Read More