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Wouldn't it be nice if we never had financial "rainy days"?  But realistically you will, so today we will talk about how to plan for them. Key Takeaways: 1)  Pay yourself first by making savings part of your monthly budget 2)  Keep your savings and checking in separate banks  3)  Open a high yield savings account at a virtual bank for better interest earnings 4)  Consider using a Credit Union

What kinds of insurance should you have to help protect your assets and finances?  Today we will talk about types of insurance that are often overlooked. Key Takeaways: 1)  Get more life insurance than your company provides 2)  Even if you rent instead of own your home, get renters insurance 3)  Are umbrella policies a good idea

Your credit rating is an important part of your financial plan.  Do you know what factors affect your credit rating? How can you achieve an excellent credit rating? Key Takeaways: 1)  Review Your Report Regularly 2)  Only use 30% or less of your credit limit 3)  Take advantage of 0% financing

When is the best time to start saving for your retirement?  And once you start, what ways are there to make the most of your retirement savings. Key Takeaways: 1)  Start saving NOW 2)  Resist the temptation to withdraw money from your retirement funds 3)  When you get a raise, give your retirement savings a raise also

Ever feel like shopping can be detrimental to your budget?  This week we share some ideas to help you shop smarter.

SMART is an acronym for effective goal setting.  Join us this week to find out how to successfully set goals that are: Specific, Measurable, Attainable, Relevant, and Time Bound.

Are you looking for a higher paying job or looking for a pay increase at your current job?  We will talk about negotiating your salary, unemployment, and tips for asking for a raise.

Learn some simple tricks on how NOT to fall into the debt trap.  Use loans smartly from mortgages, credit cards to student debt.

Do you have a hard time setting and keeping financial goals? The week we will share easy tips on how to get money motivated.

Do you know the financial basics? What easy steps will help you budget like a pro?

Is there value in paying more for a product or service?  Could focusing on the lowest price cost you more in the end?

What do you do if you have been laid off or furloughed due to the pandemic?  Don't panic and let us help you plan a successful outcome.

In today's low interest rate environment, how can you beat inflation? Where else can you turn when savings accounts, CDs and bonds are not keeping up with inflation?

Why has there been a sudden increase in precious metal values?Should I have part of my investment portfolio in gold or silver?

The concept of efficient markets rests on the belief that investors behave rationally.  The statistics show that often investors do NOT behave rationally.  So how do you overcome irrational emotions when investing?

Assisted living costs average $5,000 per month nationwide, and nursing home costs average $7,000 per month.  What are the different ways you can plan for this expensive possibility?

Do you find you aren't completely satisfied with your retirement?  After working for 40+ years, many people need something during retirement to stay busy.

Today we are talking about ways your budget may be leaking money.  Do you have any of these "Budget Buster" expenses?

Investing in the stock market can lead to emotional decisions.  These emotions range from fear to greed. Every investor should know their risk tolerance and follow a solid plan that will keep them from investing mistakes.

What should you look for when you have decided you need a financial/retirement advisor?  Choosing the right advisor for you will depend on what your needs and goals are. There are several criteria to look for in determining if an advisor is right for you.