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Monday, September 27, 2021

Risk is an inherent part of investing. After all, no one can control the losses or gains of a particular asset, sector, or the market as a whole. But you can take steps to manage your risk by diversifying your portfolio. Here’s a...

 

Monday, September 27, 2021

As part of your compensation package, your company might offer you stock options to supplement your salary. While they can be a valuable form of compensation, they also leave you with plenty of decisions to make about how and when to...

 

Sunday, August 29, 2021

Every year, the Child Tax Credit reduces the tax liability of American parents. If it lowers their tax burden below zero, it can even put money in their pockets. The credit's size increased following the Tax Cuts and Jobs Act of 2017....

 

Sunday, August 29, 2021

A health savings account (HSA) is a tax-advantaged savings account that allows individuals with high-deductible health plans to set money aside for medical expenses. These accounts offer unique tax benefits and can even be savings...

 

Monday, August 2, 2021

You’ve spent years planning and saving for your retirement. And then, out of the blue, your employer hands you an early retirement offer that could change everything. An early retirement, or “voluntary severance,”...

 

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Friday, June 25, 2021

Climbing commodity prices, ambitious government spending packages due to the COVID-19 pandemic and the subsequent economic crash have resurrected a long-dormant fear: runaway inflation. But what is inflation, and is it something to...

 

Friday, June 25, 2021

Alternatives are investment options beyond the typical stocks, bonds and cash found in most portfolios. They can be tangible assets like precious metals, or they could be financial assets like private equity or hedge funds....

 

Thursday, May 27, 2021

The COVID-19 pandemic helped put an end to the longest bull market in history. The stock market plunged, and many investors were tempted to pull their money out of the market to avoid additional losses. But periods of uncertainty offer...

 

Thursday, May 27, 2021

Individual retirement accounts (IRAs) are a type of tax-advantaged account that can help you boost your retirement savings. The most common IRAs you’ll choose from are traditional and Roth IRAs. Both are designed for long-term...

 

Friday, April 30, 2021

Communication about money is often fraught for couples, and bringing the topic up with your partner can be challenging. But discussing financial concerns, goals and habits is key to a strong relationship. And open communication about...

 

Friday, April 30, 2021

Many investors want more out of their investments than just a good return. They want to know that the companies they invest in are ethical and responsible — that they build environmentally sustainable business models, advance a...

 

Monday, March 29, 2021

Learning how to properly manage money is a crucial life skill that can take years to develop. For teens who may be earning an income for the first time, there can be a steep learning curve when it comes to financial literacy, but...

 

Monday, March 29, 2021

Baby boomers in the U.S. are set to bequeath $68 trillion in wealth by 2043, as part of the Great Wealth Transfer. Much of that will be left to Generation X and millennial heirs. If you expect to receive an inheritance, planning ahead...

 

Wednesday, February 24, 2021

When it comes to financial planning, women are likely to face different challenges than men. For one, they earn less than men on average, and they’re more likely to work part-time jobs or take time away from their careers to...

 

Wednesday, February 24, 2021

How Does Dollar-Cost Averaging Work? When you’re in a traffic jam on the highway, you may find yourself trying to merge into whichever lane is moving fastest at the moment, only to find yourself falling behind drivers that stayed...

 

Thursday, January 28, 2021

The basic premise behind life insurance is simple: You pay premiums to an insurance company, which then pays your beneficiaries a certain amount after you die. But not all life insurance policies are alike. In fact, the right policy...

 

Thursday, January 28, 2021

Reducing your tax burden can help you manage your wealth and free up money to meet your financial goals and build your legacy. But tax rules are complicated, and you may need help understanding all the methods you can use to minimize...

 

Saturday, December 26, 2020

Charitable giving is a great way to support the causes you care about while also getting a tax break. In 2020, Congress passed the Coronavirus Aid Relief and Economic Security (CARES) Act, which incentivized charitable giving by...

 

Saturday, December 26, 2020

With the new year in full swing, it’s a great time to take stock of your personal finances. From building a budget and saving for retirement to getting a jump on this year’s taxes, here are some of the smart money moves to...

 

Monday, November 30, 2020

When you retire, you get to bid farewell to the working world. That’s the good news. The bad news? You’ll no longer have a paycheck coming in from your employer. To address that, you’ll need to piece together a steady...

 

Monday, November 30, 2020

A good succession plan creates a blueprint for ownership transfer as you exit your business. It helps you prepare for your retirement, ensuring you have the income you need. And setting a well-conceived plan into motion protects the...

 

Wednesday, October 28, 2020

A wealth transfer plan guides the movement of your assets from your estate to your beneficiaries. Baby boomers are already in the throes of the most significant wealth transfer in history. Over the next 25 years, they are expected to...

 

Wednesday, October 28, 2020

Long-term care insurance helps cover the cost of assistance with daily living tasks, including bathing, dressing, eating, and mobility. This type of care is not covered by Medicare, supplemental Medigap policies, or other traditional...

 

Wednesday, September 30, 2020

Elections can move the market, but that doesn’t mean you should change your approach Like any big news event, U.S. presidential elections can cause ripples and even waves in the stock market. In November 2016, for example, Donald...

 

Thursday, September 17, 2020

On January 31, 1940, the first monthly Social Security check was issued to Ida May Fuller of Ludlow, Vermont. She received $22.54, according to the [[https://www.ssa.gov/history/idapayroll.html Social Security Administration]]. She was...

 

Monday, August 31, 2020

When you retire, you’ll likely draw your income from several sources—such as retirement accounts, taxable investment accounts, and Social Security Benefits. Each of these sources is taxed according to its own rules. So, in...

 

Wednesday, July 29, 2020

Online banking and electronic payment options offer consumers unprecedented access to their financial accounts. Yet, this convenience comes at a price—a greater risk of identity theft. Identity thieves can use your personal...

 

Thursday, June 25, 2020

On December 20th, 2019, the Setting Every Community Up for Retirement Enhancement (SECURE) Act became law. As the name implies, this law intends to make it easier for Americans to save for retirement. Though this may sound simple...

 

Tuesday, June 16, 2020

Although there is a significant financial component to leaving a lasting legacy, it encompasses so much more than just money. It’s easy to get stuck in a pattern of living life day by day, but your legacy isn’t something...

 

Wednesday, May 13, 2020

Fear, uncertainty, volatility, panic—these emotions are nothing new to the world of investing. In fact, they seem to reappear on a fairly consistent basis. The outbreak of Covid-19 has brought them back with a vengeance, but wise...

 

Tuesday, April 7, 2020

When stock markets experience sudden downturns, investors can feel anxious and make decisions detrimental to their long-term goals. After all, when you’ve worked hard for the money, it’s painful to see your account balances...

 

Friday, March 27, 2020

If you avoid these 4 potentially devastating financial moves, you should have a better chance of becoming prosperous and pursuing your goals. If you have made one of these already, it may be time to get back on track. 1) Buying More...

 

Monday, February 10, 2020

As I was leaving the grocery store a few months ago, a headline from USA Today jumped off the page: College Student Loans: Debt Hits a New High. Last year, college seniors graduated with a diploma, a well-paying job (hopefully), and an...

 

Monday, January 27, 2020

Making a New Year’s resolution is the first step to creating better habits. But making a New Year’s resolution and keeping a New Year’s resolution are not always the same thing. If you’re like most people, New...

 

Tuesday, December 31, 2019

Disorganized finances can make it difficult to plan and set your goals. Following a pattern of established management guidelines can help you stay on-top of your financial situation throughout the year. Whether you need to overhaul...

 

Monday, December 16, 2019

Are your finances ready for the end of the year? December brings many deadlines and lists; there are gifts to buy, holidays to plan, and vacations to organize. While financial planning should occur year-round, it often becomes top of...

 

Thursday, December 5, 2019

Research shows that most of the ingredients required for a happy retirement can be lumped into six broad categories: Health, Connection, Purpose, Growth, Play and Money. Health We all know that eating right and exercising is good for...

 

Monday, November 18, 2019

Are you in the ‘Sandwich Generation’? If you have the responsibility of simultaneously raising kids and looking after your aging parents, then this article is for you. We know you have an extremely challenging lifestyle...

 

Monday, November 4, 2019

The opportunity to discover a new passion in life is just one gift of a successful retirement. For some lucky individuals, that new purpose may have been known long before that big day. But for many others like Kathy and Don Lemly, it...

 

Tuesday, October 22, 2019

No financial plan is complete without an estate plan. Estate planning covers all aspects of your life, from creating your will to planning medical decisions. Due to the complex and emotional nature of estate planning, many people avoid...

 

Thursday, September 5, 2019

You’ve saved money all your life. Or, maybe you sold your business after investing years of hard work. You’ve chosen the smart path and have a comfortable nest egg as you set sail into retirement. But always be on guard!...

 

Monday, August 19, 2019

The equity and fixed-income markets have experienced considerable volatility over the past few weeks. Some of this has been related to a recent escalation of trade tensions with China and falling interest rates. On August 14th, the...

 

Wednesday, July 31, 2019

We’ve all heard it said: “Records are made to be broken.” We celebrate record-breaking winning streaks from our favorite teams. Conversely, we hope to avoid a long string of losses. The bull market that began in 2009...

 

Tuesday, June 25, 2019

As a generation of Americans grows older, a considerable amount of their personal wealth is transferring to younger family members. In fact, over 60 trillion dollars is expected to change hands in the next 25 years. You may acquire...

 

Wednesday, June 12, 2019

Part of our ongoing practice here at Continuum Consulting Group is educating the community about proper methods, strategies and financial tools, so anyone can make informed financial decisions and achieve their financial independence,...

 

Thursday, May 30, 2019

Many investors are familiar with the emotional impact that often comes with market volatility. When stock markets swing in extreme directions or change suddenly, investors can feel anxious and make decisions based on emotion that can...

 

Wednesday, May 15, 2019

Did you know that 67 million people received Social Security benefits in 2017? Despite so many retirees relying on Social Security income, many don’t fully understand these benefits. Moreover, there are many misconceptions about...

 

Thursday, May 2, 2019

We all want what is best for our children. At an early age, we teach them to eat the right foods, we place them in the best preschools, we encourage them in grade school and high school, and we cheer them on when they excel in...

 

Thursday, March 21, 2019

Retirement is one of the most important life events you will experience, and getting it right takes wise planning. With a sound intellectual framework, and some assistance from a qualified professional, you can ensure that you are ready...