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We want our clients and community to be updated on the current financial environment. We will use this Blog to share our insights.

Thursday, September 21, 2023

I want to answer 3 of our most frequently asked questions regarding the markets. 1. Will Rates Go Up More? We don’t have a crystal ball, but the Federal Reserve will remain data-dependent, which means that they will continue to...

Thursday, September 7, 2023

Our goal with this video and blog is to give you the knowledge and tools to better understand your equity compensation as well as a framework for how to make decisions on your RSUs as part of your financial plans.

Wednesday, August 16, 2023

Monthly mortgage payments have nearly doubled since interest rates began being raised. Housing has become unaffordable for most people. Why haven't prices come down, and will they eventually? Limited supply...

Thursday, July 27, 2023

Credit scores tell lenders how reliable you are as a borrower. Learn what a FICO credit score is, what makes up your credit score, what an annual credit report is, how often you should check your scores and what to do if you suspect fruad..

Thursday, June 15, 2023

Some FAQs from our tax clients:What is the difference between a credit and a deduction?To itemize or not to itemize?How long should I keep tax returns?What should I keep track of during the year?What should I keep track of during the...

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Tuesday, May 23, 2023

We want to share 3 financial planning tips for Millennials and Gen Z. The reality is, there is a huge knowledge gap when it comes to personal finance in the next generation. We aren’t taught the basics of debt management and investing...

Wednesday, May 17, 2023

Thank you for your interest in NextGen Financial Planning, and for taking your financial health seriously. We are committed to serving Millennials and Gen Z through financial education and financial planning.

Wednesday, April 19, 2023

Springtime means Spring cleaning. Typically this refers to yardwork or sorting closets, but your digital life could probably use some decluttering. We share five digital organization tips covering email, photos, family calendars...

Wednesday, February 15, 2023

Recession rumors began in 2022; it may be 2023, but they have not completely subsided yet. Interest rates are up, and the stock markets are still down. Inflation has driven the cost of living and the cost of retirement higher...so, are...

Thursday, January 19, 2023

Divorce can be a long, complicated process and it requires careful preparation. Equipping yourself with knowledge, tools, and preparation can help to ensure that the outcome will preserve your financial future.

Monday, January 9, 2023

Choices for Your 401(k) at a Former Employer - One of the common threads of a mobile workforce is that many individuals who leave their job are faced with a decision about what to do with their 401(k) account.¹Individuals have four...

Wednesday, December 28, 2022

Here are 3 Financial Updates for the New Year:1. Social Security Checks Get a Boost.Approximately 70 million Americans can look forward to an 8.7% boost in benefits in 2023. Federal benefit rates increase when the cost-of-living...

Thursday, September 8, 2022

Do you want to stay at home as you age? 90% of people want to. Watch this webinar replay to learn what plans you should have in place to age where and how you would like to. Financial Advisor Kate Moseley interviews Brian Mitchell of...

Thursday, August 25, 2022

The real estate market is shifting and interest rates have increased. Is it a good time to invest in real estate? Matt Atwood, CFP® provides a real estate market update.There are a couple of reasons why you might be considering...

Friday, April 22, 2022

This blog is for those of you who might already be retired, have turned on Social Security, and are thinking about going back to work.There are a couple of reasons why you might be considering working a part-time job. Everyone is...

Tuesday, March 22, 2022

Financial news media and investors are focused on the recent 0.25% interest rate hike. It's the first of potentially six more to come this year. We'd like to help explain why and how this rise in rates could affect your investments...

Thursday, March 10, 2022

We can't deny that the Russia/Ukraine crisis is affecting the stock market and gas prices right now. You may be tempted to try to avoid losing your money by "playing it safe" during times like these, but some of the best advice we offer...

Wednesday, January 26, 2022

With the new bump in Social Security benefits this year, it's a good time to quickly recap some popular questions we get about them. "When should I take my Social Security benefit?" The earliest you can begin taking the benefit is age 62...

Friday, January 7, 2022

YOUR 4% WITHDRAWAL STRATEGY MAY NOT BE ENOUGH Get the Tax Guidance You Need to Help Live the Retirement You Desire There’s a lot of concern among industry experts about whether the popular 4% withdrawal rule can provide enough income...

Monday, December 27, 2021

We address 3 Financial Updates to look forward to in the New Year: Social Security Checks Get a Boost. Increased Limits for 401(k) Plans. Interest Rates are Likely to Go Up in 2022.

Friday, November 26, 2021

Capital gains can be a tricky thing to understand. One of the main questions is, how are capital gains taxed? This blog explains how capital gains will affect individual taxes. What is capital gain? A capital gain occurs when anything...

Monday, November 22, 2021

It's not a matter of IF but WHEN there will be another recession. Learn how investors can stay protected! When euphoria takes over the market, some investors attempt to time the market chasing huge returns. Many who follow this risky...

Friday, November 19, 2021

Taxes can be confusing. I'm here to clear up some of that confusion! When discussing income tax rates or tax brackets, there are three very important terms to remember. They are Tax Bracket, Marginal Tax rate, and Effective Tax rate. A...

Friday, October 29, 2021

I can't believe I started TimeWise 16 years ago... They say if you do something that you love then it doesn't feel like work, it feels like passion. That couldn't be truer. I feel like I'm taking a bunch of puzzle pieces and putting...

Monday, October 11, 2021

I explain why I wanted to do a 9-day cleanse and take you on the journey!

Wednesday, October 6, 2021

I'm mid-way through the cleanse and share tips I've learned with you! Don't use the excuse that you don't have time! Make the time. Taking care of your body is extremely important. Determine what your ailments are (your reasons) for...

Tuesday, October 5, 2021

We all want to be happy so we create lists of things like: Find my soulmate Go on my dream vacation Achieve xx level of education But, we can't accomplish huge goals like this EVERY DAY so we need to find something each day to look...

Monday, October 4, 2021

Deanna explains why she wanted to go on a 9-day cleanse and takes you on the journey... I know I'm a Financial Advisor as my area of expertise, but I have a passion for learning about self-care tools for my mind, body, and spirit.

Tuesday, September 21, 2021

We discuss a hidden gem for long-term care insurance called a hybrid policy. There are real risks to not having long-term care insurance and great benefits to this hybrid policy. Medicare probably won't cover your long-term care...

Sunday, September 12, 2021

You can sell your property, defer capital gains tax, and invest in new real estate without having to be a landlord by executing a 1031 exchange. A client question we heard a few times this past year is: "How can I sell this rental...

Monday, August 30, 2021

Recently, the state of Washington became the first state to institute a long-term care program, funded by a payroll tax, to address the future long-term care issue facing the state. This is quickly becoming a costly issue as more of us...

Sunday, August 29, 2021

You can sell your property, defer capital gains tax, and invest in new real estate without having to be a landlord by executing a 1031 exchange. A client question we heard a few times this past year is: "How can I sell this rental...

Tuesday, August 3, 2021

Why does inflation affect the bonds in your investment portfolio? Matt explains in this 3-Minute video. All of the discussion surrounding inflation may be the reason that fixed income markets (aka bonds) have been up and down this...

Wednesday, July 28, 2021

Quite a bit happened over the last quarter. News headlines have covered everything from job growth, tax changes, Delta variant concerns, and inflation. In this video, one of our Financial Advisors, Matt Atwood, dives deeper into...

Friday, July 2, 2021

One way to save for a loved one’s college education is to contribute to a 529 plan. The Tax Cuts and Jobs Act expands this to be used for grades K-12. The main benefit of this plan is that earnings grow tax free even though...

Friday, June 18, 2021

Is inflation typically bad for certain investment types and good for others? "Real assets" and short-term bonds perform the best during times of high inflation. In comparison, stocks and long-term bonds are not as favorable.

Thursday, June 10, 2021

There is a level of support to prevent the U.S. Dollar from decreasing too much. As U.S. goods become cheaper relative to other countries' currencies the export of U.S. goods will become more attractive. This results in U.S. economic...

Friday, June 4, 2021

The inflation rate in the United States in 2019 was 1.81%. It rose to 4.2% in April 2021. Believe it or not, this is not historically alarming. Rising inflation was not unexpected. There are a lot of factors driving up prices right...

Thursday, May 27, 2021

There are no new laws regarding cash withdrawals, but banks can use safety measures in times of stress to help ensure that as many people as possible receive their money as soon as possible. These safety measures include: 1. Notices...

Thursday, May 20, 2021

We have been analyzing this space since it became popular in late 2018. Right now, it is a very high-risk space because the industry is still in its infancy. There are a lot of players who probably will not be around once the market...

Thursday, May 13, 2021

We can't escape taxes. They affect everything we spend and invest. We've created this short video to help clear up confusion surrounding the current administration's proposed future tax increases.

Thursday, May 6, 2021

What does "Step Up in Basis" mean? Let's say you inherited an asset from your grandfather that he paid a certain amount for after taxes. If the worth of that asset increases over the years, grandpa would have to pay taxes on the...

Thursday, April 22, 2021

Basically, it comes down to the amount of training and ethics requirements. CERTIFIED FINANCIAL PLANNERS™ are required to take a two-year-long course before sitting for a ten-hour exam. We believe that every Financial Advisor should...

Thursday, April 15, 2021

// We suggest meeting with a Financial Professional before making any changes to retirement accounts you have inherited. Since taxes have not been paid on these types of accounts, you will have to pay them. Fortunately, there are...

Thursday, April 8, 2021

Can I Name A Minor as a Beneficiary on my 401K or IRA? This is a common misconception, but children who are still minors cannot inherit money directly from your 401K or IRA. If you do not set up these accounts correctly, the courts...

Wednesday, March 31, 2021

The $1.9 trillion American Rescue Plan was signed into law on March 11. The bill authorized another round of stimulus payments up to $1,400 for most Americans; extends additional, enhanced unemployment aid to millions still out of...

Thursday, March 25, 2021

// Unless you know your exact date and time of death, it is impossible to calculate the exact amount of money you need to retire. There is no set magic number for any person because every person's situation is unique. You can...

Tuesday, March 16, 2021

The average person does not have to pay taxes on the gifts they receive under (ask Deanna if it's over or under - over mentioned in video) the annual limit we are given each year. There are two limits to pay attention to in order to...

Thursday, March 11, 2021

The world of taxes is ever-changing, but as of now, there are two ways to get Charitable Contribution Deductions: 1. Standard Deduction (given to you) 2. You itemize each of your Deductions This past year saw in increase in the...

Tuesday, March 2, 2021

// In order to protect your dependents when the unexpected happens, it is important that you determine how much life insurance you need to ensure that your family will continue living comfortably. Don't unnecessarily add the stress of...

Thursday, February 25, 2021

// As you age, it is important to share your Legacy wishes with a trusted person (either Family or a Financial Advisor) so that you will be properly taken care of in your time of need. Be sure to share basic details about your...

Thursday, February 18, 2021

When someone dies, taxes are not the first thing on the minds of the loved ones left behind. Unfortunately, at some point, the heirs will need to address the taxes that will be due as a result of their loved one's death. There are...

Thursday, February 4, 2021

People typically have questions about the Financial Markets after the inauguration of a new President or during major world events. Let's look to the past to see if markets have been affected by these factors! When investing, if you...

Monday, February 1, 2021

Women may think their lives are worth the amount of money they make, but what about stay-at-home moms who do not have a traditional salary? Women have a wide range of responsibilities including being professionals, caretakers,...

Thursday, December 31, 2020

The latest COVID-19 relief bill officially called the "Consolidated Appropriations Act, 2021" has officially been signed into law. With a length nearing 5,600 pages, there is a lot to take in. Here are some highlights...

Thursday, December 10, 2020

The Internal Revenue Service reminded taxpayers of a special new provision that will allow more people to easily deduct up to $300 in donations to qualifying charities this year. Following special tax law changes made earlier this year...

Friday, November 13, 2020

Election season has prompted some people to reconsider their investment strategy. In fact, 45% of consumers with $100,000 or more investable assets were expected to make changes to their portfolio due to the 2020 presidential election...

Tuesday, November 10, 2020

The economy was the top issue for voters in 2020. Voters' top three economic concerns included: international trade, corporate taxes and climate change. Allow us to explain how Trump and Biden influence these areas of concern.

Wednesday, August 26, 2020

As parents and students prepare for college this fall, we want to share two documents to keep in mind: a Heath Care Proxy and FERPA waiver. 1) A Health Care Proxy gives parents of children 18 years or older health care information...

Tuesday, August 4, 2020

Deanna emphasizes the importance of matching your investment portfolio with your TOLERANCE FOR RISK.

Wednesday, May 20, 2020

There are mortgage relief options if you have been financially impacted by the COVID 19 pandemic.

Tuesday, May 19, 2020

Thursday, April 16, 2020

"The most important task that I have every day is to embrace each and every moment (good or bad) knowing that I'm safe and secure and my happiness comes from within."

Wednesday, April 15, 2020

Kate goes over how the current market trends might impact refinancing your mortgage rate.

Wednesday, April 8, 2020

Matt explains what a Roth IRA is and when it would make sense to convert a traditional IRA to a Roth IRA.

Monday, April 6, 2020

Now that everything has been completely turned up-side down with COVID-19, Deanna encourages you to create a daily routine to help return some normalcy into your life.

Thursday, April 2, 2020

Matt explains the stimulus payments and what to watch out for to prevent being defrauded in these trying times.

Wednesday, April 1, 2020

Deanna talks about the research that we do at TimeWise Financial to decide what investments to include in our portfolio during volatile market conditions.

Thursday, March 26, 2020

The markets can affect how you feel. Having an understanding of the role emotions can play in the market cycle can help you avoid making decisions based on feelings that my trigger an impulse to buy or sell at the wrong time.

Wednesday, March 25, 2020

Matt talks about why we should not worry about what we are constantly seeing on the news every day.

Tuesday, March 24, 2020

We are introducing a video series for our clients and community on how to stay strong, stay the course and stay optimistic during the uncertainty of the Coronavirus outbreak.

Monday, December 1, 2014

Below is a Press Release from the Elite Retreat I qualified to attend with other advisors in order to expand my knowledge and share creativity.Deanna LaRue, a financial services professional in Woodstock, Ga, recently attended the...

Thursday, November 13, 2014

Overwhelmed by the sheer volume of investment information out there? You’re not alone. Watch this Investment Management video for an overview of how I, Deanna LaRue, your HD Vest Advisor approach the investment conversation and...

Thursday, November 6, 2014

Time Wise Financial, LLC will be sharing a new video every Thursday. To start we will be sharing the commonly found 8 Wealth Management Issues. These videos will help any and everyone to better understand all the aspects of financial...