Here’s to Your Wealth

I cover personal finance issues that face Gen X and the Middle Class. I also focus on the financial impact of life transitions such as divorce, job changes, or death of a partner. Each month I will also be sharing a market commentary titled “Here’s To Your Wealth”.

My blog is designed to provide useful information for those who are pursuing a better financial life.

Partner Blog for Here’s to Your Wealth

Why Long-Term Interest Rates May Not Rise In 2018

(Photo by Mark Wilson/Getty Images)

The U.S. economy has been in growth mode since 2009, and many investors have been anticipating significant interest-rate increases. This may be a logical expectation because, historically, the Fed has raised rates to slow down the risk of inflation during market expansions. Our current economic growth, as measured by GDP, is greater than 2.5%, and […]

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Why Now may be a Bad Time for a Roth Conversion

An American road interstate sign with words Retirement and Roth with sky, Your Roth Retirement Fund

Roth IRAs and Roth 401(k) plans represent one of the few tax advantaged ways for Americans to invest. These Roth investment products allow you to make an after-tax contribution into an investment account. Subject to certain terms and conditions, they also allow for tax-free growth and tax-free withdrawal of dividends, interest, and capital gains. In […]

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The Economic Impacts Of Recent Hurricanes And Tax Reform

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The release of the September jobs report, which showed a net decline of 33,000 jobs, has caused some concern that the U.S. economy might be slowing. However, a closer look at the data shows otherwise. In the same report, we saw the nascent trend of wage growth continuing. For the past twelve months, average hourly earnings […]

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10 Quick Year-End Financial Planning Tips

Year End

With the fourth quarter of the year upon us, it can be a smart time to take inventory of your financial situation. Here are 10 easy steps to complete an effective assessment. 1.    Assess your 2017 plan progress. Look at any areas of your 2017 written financial plan that you have not yet accomplished and […]

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How Employers Are Helping Their Employees Retire

Financial Well Being

Employers are becoming increasingly concerned about the financial well-being of their employees, and they are expanding how they demonstrate their loyalty. Employers large and small are offering programs such as robust health insurance plans, on-site daycare, after school care, flexible work hours, Health Savings Accounts (HSA’s), and the ability to work remotely. Some companies also […]

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8 Financial Tips for the Back to School Season

istock Education, Back to School, Shopping

According to the Huntington Bank Backpack Index, the cost of school supplies increased 88% from 2007 to 2016, and their recently released 2017 report anticipates increases of 1.0% for elementary and 4.6% for middle schoolers this coming school year. Even so, there are reasons that parents can feel good about back-to-school shopping: 1. It’s an […]

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Why An Interest Rate Hike Will Not Stop The Stock Market Rally

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The markets continue to climb a wall of worry with only the spectre of fire and fury from a fierce conflict with North Korea dampening the enthusiasm for stocks. Interestingly, as of August 14th the South Korean stock market, as measured by the KOSPI index, was up over 16% for the past year (Source: Bloomberg), […]

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Why International Stocks May Continue To Outperform In 2017

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When asked how he was able to be such a successful hitter, baseball great Willie Keeler famously responded “I hit them where they ain’t!” In other words, he saw an opening that others weren’t watching, and he aimed for it. Applied to investing, that same philosophy can sometimes eventually pay off. For example, consider international […]

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May- Here's To Your Wealth

Stock market sign

In A Tale of Two Cities, Charles Dickens famously writes “it was the best of times, it was the worst of times.” Today, depending on where you get your news, you might agree with either perspective. While some channels and websites report chaos, collusion, corruption, and ineptitude, others report a picture of leadership, reopened factories, promises […]

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5 Questions Millennials And Recent Grads Should Ask Their Employers

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Millennials have been more comfortable with mobility and job changes than any prior generation. But with that comfort comes the responsibility of understanding employee benefits and considering the role of those benefits in your overall compensation package. Here are five important questions that recent grads can raise during the job interview process. 1. When does […]

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