Giving you the knowledge to best manage your wealth.

With the majority of Americans having less than $1,000 set aside for retirement, and almost half having nothing saved at all, the longstanding trend is to push off saving for retirement to meet shorter-term goals.

It’s no secret. The easiest way to be successful with a cash management plan is to develop a systematic and disciplined approach, that only takes a few minutes each week to maintain. Any good cash management plan revolves around the four A's — Accounting, Analysis, Allocation, and Adjustment.

Taken by itself, the word "risk" sounds negative. But broken down into what it really stands for in terms of investing, it begins to be a little more manageable. Long-term investing and diversification may be some of the most effective strategies you can use to help manage investment risk; however, neither guarantees against investment loss. So, we’ve put together a list of risks to be aware of to help you better manage your money?

With a volatile market and shifting interest rates, you may find yourself asking, “When is the best time to refinance?” Recently, we’ve seen interest rates dip to an all-time-low only to jump back up again due to refinancing demand. When it comes to refinancing your home, it is difficult to predict market changes and pinpoint the right time to make your move. Our experts know the uncertainties that come with refinancing, so we’ve assembled a few guidelines to help you know when you should consider refinancing.

A Roth conversion is a simple adjustment that turns your Traditional IRA into a Roth IRA. This conversion can provide long-term tax benefits. However, before you convert your IRA, it is important to understand if making the change is right for you.

You may have heard of diversifying assets, but have you heard of tax diversification of your investments? Whether your goal for investing is saving for retirement, asset distribution, or simply turning a profit, everyone is looking toward a return. However, your return is only as good as the tax cost that comes with it, which is where investing tax-efficiently comes in.

It can be confusing to manage the assets in your retirement plan without any guidance, especially in times of financial uncertainty. When it comes to investing, stocks have historically outperformed other investments over the long term, making them attractive for staying ahead of inflation. However, the stock market has the potential to be extremely volatile. So, are stocks a safe place for your retirement money? Or should you shift more into a money market fund offering a stable but lower return?

You may have heard of a “trust” before, but you might still be wondering what it is and what it can do for you. Quite simply, a trust is a legal arrangement in which a person, called a trustee, controls property given by a second person, a trustor, for the benefit of a third person, the beneficiary. The primary advantage of a living trust is being able to control your assets while avoiding many of the taxes, fees, and legal action imposed upon your passing.

While the number of workers who report being confident about their retirement is greater than ever, the number of workers who have actually calculated what they need for retirement is significantly less. While there are many ways people attempt to calculate the number, there isn’t a one-size-fits-all for retirement as each individual has unique factors to consider. So what factors should you consider when evaluating your retirement and making a plan for your future?