For young families, life insurance provides peace of mind and financial security. However, many parents struggle to decide how much coverage to buy or how long to keep it. The concept of insurance laddering offers a flexible, cost-efficient approach. This strategy allows you to match insurance coverage to your family’s
DOWNLOAD THE PDF We are happy with the returns your portfolios have received so far this year. Global diversification helped smooth out the tariff bumps. Our low-cost investments are performing as expected and have added value. Given the recent run up in AI Optimism, we think now is a great
The 3rd quarter of 2025 delivered strong performance across global stock markets, with Emerging Market Stocks leading the gains at 10.64%, followed by U.S. Stocks at 8.18%, International Developed Stocks at 5.33%, Global Real Estate at 4.22%, the U.S. Bond Market at 2.03%, and the Global Bond Market at 0.49%.
Money influences every part of life, from daily decision-making to long-term dreams. For women, financial independence is not only about security but also about freedom and confidence. Building strong financial survival skills ensures that you can handle challenges, seize opportunities, and create a future on your terms. How Women Can
When you save for retirement, you may think first of a 401(k). For those who work in public service, education, or nonprofit organizations, two other powerful tools often come into play: the 403(b) and the 457(b). You can use these two plans together. When you do, the savings potential grows
Preparing for a new baby brings both joy and big financial questions. Maternity leave often becomes one of the largest financial planning moments a family faces. Unlike vacations or short breaks from work, maternity leave usually lasts several months and affects income, benefits, and household cash flow in ways that
When you save for retirement, every dollar counts. Your 401(k) gives you a powerful way to build wealth, but hidden costs can quietly chip away at your balance. Even small fees add up over time. The good news is that you can take steps to reduce these costs and keep
For real estate investors, taxes can take a significant bite out of profits when selling an investment property. Fortunately, there is a strategy that offers a way to defer capital gains and depreciation recapture taxes, thus, freeing up more capital to reinvest. This strategy is called a 1031 exchange. By
For entrepreneurs, investors, and early employees in small businesses, one of the most powerful tax incentives in the tax code is the Qualified Small Business Stock (QSBS) gain exclusion under Section 1202. This rule allows eligible taxpayers to exclude a significant portion (or even all) of the capital gains from
If you’re a solopreneur, freelancer, or independent contractor, chances are you have heard about S Corporations (S Corps) and the potential tax savings that come with this tax status. You have also probably asked yourself “Should I become an S Corp? How do I become an S Corp? When’s the