Blog
We want our clients and community to be updated on the current financial environment. We will use this Blog to share our insights.
Market Update for Investors | Interest Rates Pause, Bond & CD Yields, Inflation...
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...
Read MoreEquity Compensation & Taxes | What Employees Should Know
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.
Read MoreMarket Update: State of Housing
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...
Read MoreThings to Know About Credit! Scoring, Fraud and Errors.
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..
Read MoreTax Credit vs. Deduction, What to Track During the Year...| 4 Tax FAQs Answered
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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NextGen (Millennial & Gen Z) Financial Planning Tips | Debt, Investing, and Saving for Retirement
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...
Read MoreNext Gen Financial Planning | ROTH IRA Contributions
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.
Read MoreClean Up Your Digital Life | 5 Digital Organization Tips
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...
Read MoreAre We in a Recession? Layoffs, Inflation, and Increased Retirement Costs.
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...
Read MoreFinancial Planning During the Uncertainty of Divorce | 6 Tips
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.
Read More4 Choices for Your 401(K) at a Former Employer | Corporate Transition
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...
Read MoreLooking Financially Forward to 2023
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...
Read MoreAssisted Living vs. Home Care (Aging in Place) | Which Option is Best?
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...
Read MoreIs it a Good Time To Invest in Real Estate? | Market Update August 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...
Read MoreRetirees Going Back to Work & Social Security
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...
Read MoreInterest Rates are Raising in March! How Can this Affect Investments in the Stock Market?
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...
Read MoreThe Cost of Panic During a Crisis | Investment Tips
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...
Read MoreAnswering 5 Popular Questions About Social Security Benefits
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...
Read MoreYour 4% Withdrawal Strategy May Not Be Enough
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...
Read MoreLooking Financially Forward to 2022
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.
Read More3 Keys to Understanding Capital Gains
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...
Read MoreRisky Investing vs. Diversification Zoom Webinar | 3 Times in History Risky Business Hurt
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...
Read More3 Keys to Understanding our Tax System
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...
Read MoreThe Future of TimeWise Financial
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...
Read MoreMy Final Thoughts on the 3:6:9 Cleanse | Meaningful Living Blog
I explain why I wanted to do a 9-day cleanse and take you on the journey!
Read More3:6:9 Cleanse Mid-Way Tips | Meaningful Living Blog
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...
Read MoreFinding Happiness | A Meaningful Living Blog
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...
Read MoreI Do the 3:6:9 Cleanse | Meaningful Living Blog
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.
Read More3 Pricey Risks of NO Long-Term Care Insurance & Our Hybrid Policy Solution
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...
Read More1031 Exchange Webinar: Invest in Real Estate, Defer Taxes and Stop Dealing With Tenants
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...
Read MoreThe Future of Long-Term Care Insurance and WA Cares Fundâ„¢
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...
Read More5 Things You Should Know About Investing
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...
Read MoreWhy Should You Care About Inflation?
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...
Read MoreQ2 Update: Is Inflation Temporary or Here to Stay?
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...
Read MoreThe Tax Benefits of 529 Education Savings Plans
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...
Read MoreThe Best and Worst Investments During High Inflation
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.
Read MoreWhat Happens if the Value of the U.S. Dollar Continues to Decrease?
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...
Read MoreWhat You Should Know About Rising Inflation in 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...
Read MoreAre Banks Limiting Cash Withdrawals?
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...
Read MoreShould You Buy Cannabis Stock?
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...
Read MoreAre They Raising Taxes? (Biden's Proposed Tax Plan)
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.
Read More"Step Up in Basis" in Relation to Inherited Assets
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...
Read MoreWhat is the Difference Between a Financial Advisor and a CERTIFIED FINANCIAL PLANNERâ„¢?
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...
Read MoreIf Someone Inherits a Retirement Account do They Pay Taxes?
// 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...
Read MoreMinor Beneficiaries
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...
Read More10 Things You Should Know About the 2021 Stimulus Package
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...
Read MoreHow Do I Know When I Have Enough Money to Retire?
// 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...
Read MoreIf I Give Someone a Significant Gift, Do They Pay Taxes on it?
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...
Read MoreIf I Don't Itemize My Taxes, How Do I Deduct Charitable Contributions?
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...
Read MoreLife Insurance
// 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...
Read MoreDoes My Financial Planner Need to Understand My Legacy Wishes?
// 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...
Read MoreThe Three Most Common Taxes After Death
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...
Read More"The Times Are A-Changing": A Post-Inauguration Webinar
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...
Read MoreWomen Do Not Buy Enough Life Insurance
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,...
Read MoreWhat's in the New Stimulus Package?
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...
Read MoreSpecial $300 tax deduction helps most people give to charity this year
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...
Read MoreElection 2020: A Dose of Patience
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...
Read MoreElection 2020: Economic Issues at the Center of Attention
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.
Read MoreHealthcare and college bound kids
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...
Read MoreQ2 2020 Market Update
Deanna emphasizes the importance of matching your investment portfolio with your TOLERANCE FOR RISK.
Read MoreMortgage Relief Options
There are mortgage relief options if you have been financially impacted by the COVID 19 pandemic.
Read MoreBe Present in Your Life
"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."
Read MoreShould I Refinance?
Kate goes over how the current market trends might impact refinancing your mortgage rate.
Read MoreRoth Conversion: Does it Make Sense for Me?
Matt explains what a Roth IRA is and when it would make sense to convert a traditional IRA to a Roth IRA.
Read MoreDaily Routine Challenge
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.
Read MoreStimulus Check Scams
Matt explains the stimulus payments and what to watch out for to prevent being defrauded in these trying times.
Read MoreSurrounded By Experts
Deanna talks about the research that we do at TimeWise Financial to decide what investments to include in our portfolio during volatile market conditions.
Read MoreCycle of Market Emotions
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.
Read MoreWhy We Shouldn't Worry
Matt talks about why we should not worry about what we are constantly seeing on the news every day.
Read MoreStay Strong, Stay the Course and Stay Optimistic
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.
Read MoreElite Retreat, Press Release
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...
Read MoreInvestment Management
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...
Read More8 Wealth Management Issues
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...
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