estate planning
Family Gatherings are Prime Opportunities for Discussions About the Future

Do you subscribe to the belief that family gatherings aren’t an appropriate place to discuss things like politics, religion or money? Many people feel this way, causing them to put off financial discussions about the future for another time. However, when your family is gathered together celebrating Thanksgiving and you’re feeling gratitude for the loved ones around you, it can open the door for important money conversations that impact your family’s future.

Why You Should Never Neglect Estate Planning

Topics such as where your assets will go when you die can be uncomfortable to broach, but estate planning is integral to your family’s financial future. Establishing a thoughtful succession plan using a document like a will or a living trust can benefit your whole family and ensure your wishes will be met. Ideally, you should have these plans in place before an emergency occurs, and while the oldest members of the family are still in good health, both physically and mentally.

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retirement
There’s More to it Than You May Think

Imagine this: you plant a beautiful flower garden and tend it faithfully for forty years. You protect it from stormy weather and pests, you never pick its beautiful blooms and you don’t traipse through it for fun. You never even get close enough to smell the fragrant flowers or run your hands through them because you’re focused solely on growing them taller and stronger without hindering their progress.

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Parenting is hard. From the moment you take that bundle home and try to figure out how to take care of it, you are in for it. A lifetime commitment of small steps that grow a tiny mewling baby up into an adult. We want the best for our children, we want them to be good people, to have great success, and to be happy. What we may not think about as much, when scheduling soccer, and tutors, and fishing crayons out of pockets in washing machines, is what financial values we are teaching our children. The truth is, whether you are having money talks with your kids or not, they are getting an education by watching you. Studies have shown that children may have already become set in their money behaviors by the age of 7![i] Since a 7-year-old is not doing a lot of accounting and bill paying, it makes one wonder what they have learned by then about money? Good or bad, those lessons have been coming from their parents. Every coffee through a drive thru, every comment about bills, every time you say no at the store. It’s been building a foundation that your child will carry with them. The best advice for any parent is to not think about financial education as a few conversations over a childhood, but rather a process where teachable moments are found everywhere and open talks about money are part of the household.

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If you realize that all things change, there is nothing you will try to hold on to. If you are not afraid of dying, there is nothing you cannot achieve. -Lao Tzu

Someone in your life is dying. This experience, the grief, the sadness, the stress will be one of the hardest in your life. Watching someone you care for grow ill and pass away while the world keeps moving and life keeps happening can be overwhelming. As we are born we are also fated to die. It is part of the circle of life and what makes our time so precious. Making sure to get the most out of the remaining time, finding ways to talk when it is hardest, and having no regrets or things left unsaid after your loved one dies, these are the goals. In this article, we will go over some advice and essential topics to help you through this difficult period.

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As the clock ticks down on another year and we look toward new starts and new beginnings for 2019, figured taking a little time to think about New Year’s Financial Resolutions would be worthwhile. 27% of Americans planned to make financial resolutions in 2018[i], if a fourth of the population thinks they should reassess their finances in the new year, then it’s probably a good thing to go over. Unlike a lot of yearly resolutions, we’d like to help you stick to and meet this one.

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The holiday season is a lot of things. It’s a lot of good: family, togetherness, tradition, but it also can be hard. It’s a stressful time and the heavy commercialism, unrealistic expectations, and overall business of the season can take its toll on even the heartiest of us. Past the life stress, there is the changing seasons, lack of sunlight and toll that seasonal depression takes on some. We also tend to overindulge, more drinking, more eating, more parties. One study showed 63% of people reporting they experienced what is called ‘The Holiday Blues’.

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