Insights

Have you thought about how much your healthcare will cost in retirement? Many people underestimate what they’ll need, and that can be an unwelcome reality check once you’re in retirement. According to recent findings, a 65-year-old individual retiring in 2025 will most likely spend an avera …

If you’re approaching retirement and call Pennsylvania home, or are considering it, chances are you’ve been keeping an eye on the rising cost of living. Maybe you’ve even Googled questions like “Is Pennsylvania affordable to retire in?” or “How much do I need to live comfortably here?”

Have you given much thought to your strategy for Social Security benefits? It’s good to have a plan in place to help you make the most of this program. But you may have questions.

When we talk about the impact of the housing market, most people immediately think of mortgage rates or home affordability. But what about retirees who own their homes outright? If you’re mortgage-free, you might think you’re insulated from housing market shifts—but the reality is more complex.

As a small business owner, you may be so immersed in the day-to-day functions of your business that you haven’t yet put much thought into the day you leave it behind. In fact, for many business owners, the thought of bringing their time to a close can be daunting. Yet planning for your depa …

Owning a business can be like parenting. You’ve likely experienced many sleepless nights and spent a countless amount of energy on your “baby.” Like parenting, being a business owner can be an enriching journey and make life worth the trip.

Financial planning for a small business gets more complicated every day. Business owners must navigate tax efficiency (and life under the new Tax Cuts and Jobs Act), retirement preparations for yourself and your employees, and succession planning. Get your financial plan in place today and …

Have you thought about how much your healthcare will cost in retirement? Many people underestimate what they’ll need, and that can be an unwelcome reality check once you’re in retirement. According to recent findings, a 65-year-old individual retiring in 2025 will most likely spend an avera …

 Chances are we’ve all felt a bit like Rachel on the hit show “Friends” when she looked at her first paycheck in bewilderment and said, “Who’s FICA? And why’s he taking all my money?”   

Did you know that your Social Security benefits can be taxed? That’s right, as much as 85% of your Social Security benefits—money that you put away over your entire career—could be subject to taxation when you receive the benefits in retirement. This worksheet helps you figure out if …

Father’s Day offers more than just a chance to fire up the grill or unwrap a new set of golf balls, it’s also a meaningful time to reflect on the financial footsteps many fathers take throughout their lives. Whether it’s building a strong foundation, navigating the responsibilities of …

Tom Fridrich, JD, CLU, ChFC®, Manager and Senior Wealth Planner Giving something you own to someone else. It’s a simple, human act – one that seems like it shouldn’t take too much planning to do it correctly. But when does gifting become a tax issue? What do you need to consider about gifti …

Have you thought about your legacy? We highly recommend that you appoint a trusted family member or friend as your power of attorney (POA), giving them the ability to help with your financial or health needs, should an unfortunate event occur in your life.

Vacations offer something priceless: time to relax, connect with loved ones, and make lasting memories. But for many people, the question lingers—Can I really afford to take this trip without disrupting my long-term financial goals? The good news? With thoughtful planning, it’s entirely pos …

No single strategy works forever, but you also don’t want to change your approach every time the markets shift slightly. How does investing work – not just for a season or a year or two, but for a lifetime? Time is a major factor when it comes to successful investing.

COVID-19 caused an economic shockwave that we’ll feel for a long time. Nonprofits, from large global networks to the local churches, have been hit hard, too. In a recent survey of 110 nonprofits, 80% of them said revenue had fallen across the board.

In the latest Take 5, hosts Ryan Detrick, Chief Market Strategist, and Sonu Varghese, VP, Global Macro Strategist, dig into why gold has been shining so brightly over the past three years and what that means for investors. From inflation protection to central bank buying, and the surprising …

The S&P 500 moved back to new highs last week and gained in the month of August during a president’s second term for the first time since 1950. That’s the good news. The bad news is we aren’t out of the woods yet, as September is historically the worst month of the year and the …

In the latest episode of Carson’s Take 5, hosts Ryan Detrick, Chief Market Strategist, and Sonu Varghese, VP, Global Macro Strategist, break down Fed Chair Jerome Powell’s comments from the Jackson Hole Symposium. While Powell cracked the door open to rate cuts, inflation remains sticky, an …