Rick's Weekly

Understanding Your Employee Benefits Program

When many of us think about what our job provides, we immediately think of a salary. It's the most obvious form of compensation. It's a number that is added to our bank accounts each month. It's easy to add up, and easy to compare to other jobs, people, and opportunities. But, it is only one small part of your employment benefits. The political climate in the past decade has placed a spotlight on health insurance, and costs associated with it. [...]

Financial Preparing for a New Baby

Having a baby is an overwhelming task for most parents. It's stressful, exhausting, scary, and one of the most fulfilling things most of us will ever do in our lives. Part of the stress is financial. A new born is like a spotlight, showcasing and magnifying any existing money troubles you had, as well as, creating new ones. When operating on little to no sleep, and wanting to spend every waking moment with the newest member of the family, managing and organizing finances is the last thing many want to do. [...]

Rebalancing: When, Where, and (most importantly) Why?

When it comes to your risk tolerance, you may have decided a few years ago to invest a large percentage of savings in stocks and remaining percent in bonds. Over time, these different portions grow at different rates, and can knock off the original balance between the two. A new study from Wells Fargo and Gallup discovered that this is likely the case for the majority of investors, as less than half bother to rebalance their portfolios and match their target mix to their risk tolerance at least once a year. [...]

Investing Tips For Those That Do Not Have Much

To a vast majority of Americans, being able to focus on saving for retirement is a luxury they can't afford. In a recent CareerBuilder report, 78% percent of full-time workers said they live paycheck to paycheck, up from 75% in 2016. This means that for many Americans the nest egg is very small, and possibly not worth engaging with a financial advisor. It's important though, for that 78% to still commit to saving what they can, and making the correct investment decisions with what they are able to save. [...]

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