Financial Insights
& Gardey Newsletters

Understanding 529 Plans: An Essential Guide for Parents and Students

What should you do with your 401(k) after you separate from your employer? Many people don’t give it another thought once they leave a job, choosing to leave it as is by default. By not making a decision, they could be complicating their lives and relegating their retirement funds to long-term underperformance, which few people can afford.

Currently, more than 18 million Americans have chosen to be in a long-term relationship outside matrimony. While it has become more common and accepted in society, unmarried couples face a broad range of challenges and complexities.

It is safe to say that most people have a complicated relationship with money. When your vision for your future is translated into goals, you can then put the math to it, develop a plan and create strategies that will help you build and preserve your wealth.

Top 5 Habits of Wealthy Women. They say the best financial advice is simple and that the things people do to accumulate and preserve wealth aren’t rocket science. But, if it were so easy, then why isn’t everyone a multi-millionaire? Money is Different for Women. While we certainly have nothing against men, it is no secret that women and men do not come to the financial playing field on even terms.

5 Critical Questions Women Need to Ask Before Claiming Social Security Benefits. How my life's circumstances affect when I should claim my social security benefits.

3 Tips to Help You Mentally Prepare for Retirement. When you think about preparing for retirement, your investments and overall financial health are likely the biggest things on your mind. But you would be remiss to not start mentally preparing yourself for retirement as much as you’ve been prepping your financial accounts.

How Tax-Loss Harvesting Helps You Keep More of Your Money. What is tax-loss harvesting, when to use it, and who benefits.

"Help, I'm Spending Too Much in Retirement! What Should I Do?"

How Did the Student Debt Crisis Happen?

Melissa A. Seamon, CFP® Senior Financial Advisor Reducing Taxable Income with Qualified Charitable IRA Distributions (QCDs) A key issue facing many retirees is having to take required minimum distributions (RMDs) starting at age 72, regardless of whether they need the income. RMDs must be taken from most qualified defined contribution plans such as 401(k)’s,…

How Much Does Procrastinating Your Retirement Savings Actually Cost You?