As 2025 comes to a close, you may benefit from understanding an investment strategy that focuses on gains and losses in non-retirement accounts. Known as tax-loss harvesting, this strategy seeks to offset investment losses in the current year to offset current or future gains! What is tax-loss harvesting?  The strategy of tax-loss harvesting involves selling investments that are down and replacing them with similar, though not identical, assets to minimize taxes on gains in t

Do you remember what year it was when a gallon of gas cost $0.63? Not everyone will, since many of us had yet been born, but the answer is 1978!   Inflation is a natural part of our economic system, which is one reason the costs of goods and services increase over time. While inflation rates vary from year to year and decade to decade, price changes create challenges for everyday people like you and me. As we lose the ability to stretch our dollars, savings rates often fall,

November is Long-Term Care Awareness Month, an observance that raises awareness of the health care risks faced by those aged 65 and above. These risks include developing disabilities or loss of independence that require home-based or assisted living care when an individual can no longer care for themselves, partially or in entirety. While it is easy to assume you will need assistance, the reality is stark: Over half of Americans who turn 65 in 2025 will face a substantial di

As 2025 enters its final stretch, it's time for specific individuals to take their annual required minimum distributions from their non-Roth IRAs and 401(k)s balances.  Commonly known as an RMD, these mandatory disbursements apply to all holders of qualified retirement accounts and begin the year the holder turns 73. However, distributions can be deferred the first year to the following  April 1st  if a holder chooses. For those not in their first year of RMD distributions, w

Fall is here, and with it, a season punctuated by change reminds us of what comes next: Cool breezes, brisk mornings, and leaves changing...

How much risk should you take when investing in the pursuit of gains? Find out in our latest blog post…