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So far joe.wiley has created 11 blog entries.

5 Key Steps

2020-09-13T09:40:26-04:00

Step 1: Getting Started Assess progress against your baseline: Calculate your net worth: Make a list of all your assets and subtract your debts (or use a wealth-tracking app). This is the benchmark against which you can measure future progress. And don’t panic if your net worth declines during tough market periods—what’s important is the long-term trend. See [...]

5 Key Steps2020-09-13T09:40:26-04:00

Robo Advisors

2019-10-05T22:31:39-04:00

Automated investment management services, known as robo advisors, have garnered more than their share of mass media public relations attention. They promise to reduce financial management fees by using computer algorithms to manage your investments, without human oversight, and to obtain similar results. The media portrayal of these services lead many investors to view robo [...]

Robo Advisors2019-10-05T22:31:39-04:00

Proven Planning Process

2019-10-05T22:29:03-04:00

Our financial planners will work with you to determine your goals and objectives and to establish appropriate plans for your unique situation following this proven planning process. Step 1: Gather Information and Determine Your Current Situation In this first step of the financial planning process, the financial planner will help you determine your current financial [...]

Proven Planning Process2019-10-05T22:29:03-04:00

Overwhelmed With 401k Choices?

2019-10-05T22:24:31-04:00

So, you’ve decided to begin or increase saving in your company’s 401k. However, the choices seem overwhelming. Large cap . . . mid cap . . . real estate trusts . . . money markets. You are just not sure where to begin. You are not alone! Many struggle to understand the choices available. Why [...]

Overwhelmed With 401k Choices?2019-10-05T22:24:31-04:00

Time for a Check-Up?

2019-10-05T22:18:16-04:00

Here are a few reminders to help you stay fiscally fit: Review your insurance policies. Double check coverage and beneficiaries. Check on the progress of your college, retirement and other savings plans, updating fundamental assumptions if needed. In August, take advantage of your back to school sales tax holiday. Plan for employer healthcare open enrollment. Begin to review YTD [...]

Time for a Check-Up?2019-10-05T22:18:16-04:00

High Deductibles Got You Down?

2019-10-05T22:15:42-04:00

Although 90% of Americans now how health care coverage, many struggle with the high cost of medical treatment. On top of the premiums, deductibles of $3,000 or more are are common. Here are a few tips that may help reduce your cost of medical care. 1. Know Your Options Your insurance likely includes telemedicine, walk-in [...]

High Deductibles Got You Down?2019-10-05T22:15:42-04:00

Maintain Perspective

2019-10-05T22:10:37-04:00

Markets go up and markets go down. That’s what they do. But then again, you know that. That is why you have invested rationally in quality investments, diversified your portfolio among stocks, bonds and cash — and across industry and geography. So, why the anxiety following recent declines? Most likely because you are paying more [...]

Maintain Perspective2019-10-05T22:10:37-04:00

12 FAFSA Tips

2019-10-05T22:03:50-04:00

Don’t make these mistakes . . . 1. Not Completing the FAFSA Form I hear all kinds of reasons: “The FAFSA form is too hard.” “It takes too long to complete.” “I’ll never qualify anyway, so why does it matter?” It does matter. For one, contrary to popular belief, there is no income “cut-off” when it comes to [...]

12 FAFSA Tips2019-10-05T22:03:50-04:00

Retire at 62?

2019-10-05T21:53:43-04:00

Not so fast!! Doing so may significantly impact your retirement lifestyle. Retiring at 62 instead of 67 (full social security retirement age for many of us) reduces: your social security benefits by 25%. spousal benefits by 35% cost of Living Adjustments (COLA) thereafter spousal death benefits Additionally, once you leave your pre-retirement employer, you may [...]

Retire at 62?2019-10-05T21:53:43-04:00

5 Big Questions for Social Security

2019-10-05T21:52:54-04:00

Think carefully before filing to claim social security benefits.  When and how you claim, your marital status, health and status of your dependents can all affect your benefits. To prepare to meet with an advisor, create a free "My Social Security" account at SSA.gov.   There you can download a statement on estimated benefits and [...]

5 Big Questions for Social Security2019-10-05T21:52:54-04:00
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