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What’s on our mind? You can read about it in our blog. Whether it’s ideas from the industry or emerging trends, you can read about it here. And once in a while, we may throw in a movie review or some other surprise. So keep checking in. We’re glad to have you reading along.

Wednesday, May 22, 2024

A few years ago, there were ads from financial services companies asking, “What’s your number?” The number was the money you needed to retire comfortably. This was an effective way for financial services companies to get people...

Wednesday, May 8, 2024

There isn’t a week that goes by when you don’t read about some data breach. Safeguarding your personal information starts with understanding cybersecurity risks, knowing what to look for, and doing everything you can to help protect...

Tuesday, April 16, 2024

At the end of 2025, portions of the Tax Cuts and Jobs Act (TCJA) are set to expire. Many changes will come with the sunsetting of many rules, including the possibility that federal estate and gift tax exemption levels will revert to...

Tuesday, April 2, 2024

Give your children the gift of financial literacy. They’ll thank you later! As a parent, you are well aware of your responsibility in helping your children grow up happy and healthy. Once they enter their teen years, the pressure can...

Tuesday, March 26, 2024

As the presidential election race heats up, a common question on investors’ minds is, “How might the looming White House vote impact the markets?” Some may wonder if they should tweak their portfolios or sit tight...

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Monday, March 25, 2024

Tax season is upon us when we reconcile our dues with Uncle Sam. However, it's also a period when some unscrupulous individuals exploit this necessity, conducting scams to defraud unsuspecting taxpayers. In this digital age, tax scams...

Thursday, March 21, 2024

I recently read that 47 percent of parents provide their adult children with financial support. Termed "parental patronage" by many, some parents even contribute more to their adult children than they do to their retirement accounts....

Tuesday, March 19, 2024

Economists describe a Goldilocks economy as one that’s not too hot and not too cold; it’s just right. And 2024 is starting to feel just right. When the Fed started to raise short-term interest rates in early 2022 to rein...

Tuesday, March 12, 2024

Experts estimate there are more than 44 million people with disabilities in the U.S., representing 13.4% of the population.1 Many parents of children with disabilities choose to establish a special needs trust. This can help provide...

Monday, March 11, 2024

When does the phrase “no hurry” turn into “not in 2024?” During a recent testimony to Congress, Federal Reserve Chair Jerome Powell reiterated that he expects short-term interest rates to trend lower in 2024....

Monday, February 12, 2024

Money can be a touchy subject, especially regarding our closest relationships. Whether we like it or not, finance plays an integral role in our partnerships, families, and friendships. So, how can we foster healthy attitudes and...

Tuesday, February 6, 2024

In the ever-evolving financial landscape, staying informed about the latest changes and potential implications for your retirement savings is crucial. Shifts in retirement regulations define 2024, and we’re committed to keeping...

Tuesday, January 23, 2024

It’s a fun time of year for football fans. The NFL playoffs are starting, and the Big Game is just around the corner. While football fans will tune in for the matchups, commercials, and Usher’s Big Game halftime show, you...

Tuesday, January 9, 2024

With the start of the new year, we wanted to discuss a topic that will likely garner attention throughout 2024: the potential sunsetting of the Tax Cuts and Jobs Act (TCJA) in 2025. Although some of the provisions within the TCJA are...

Monday, December 11, 2023

Your Child is Turning 18: Handling Healthcare, Academics, and Finances Together As your child blows out the candles on their 18th birthday, you may still see your baby girl or boy. But in the eyes of the law your child is considered a...

Monday, December 4, 2023

As we get ready to turn the page on 2023 and welcome the new year with all its possibilities, we’d like to take some time to reflect on the year that was—the notable events, trends, and developments that defined our...

Monday, November 20, 2023

If you or a loved one has been diagnosed with Alzheimer's disease or any other form of dementia, this can be an extremely challenging time. While promising new treatments are developing and research continues, a cure remains elusive....

Monday, November 13, 2023

The Internal Revenue Service recently released updated income tax brackets, standard deduction, and retirement contribution limits for the 2024 tax year. While these taxes are not due for some time, it may benefit you to start...

Wednesday, November 8, 2023

Divorce is one of the most stressful life events. Even the most amicable splits can be complicated and emotionally draining. We likely all know couples who have gone through divorce, and it can be a trying time for everyone involved....

Wednesday, November 1, 2023

While we haven’t yet said goodbye to 2023, it’s not too early to begin thinking about any tax changes that may be on the horizon. The Tax Cuts and Jobs Act (TCJA) of 2017 was designed to overhaul the federal tax code by...

Tuesday, October 24, 2023

Many of us have adapted to a world with remote team members and back-to-back Zoom calls with customers spread across the country, which certainly has its benefits. Nevertheless, one drawback is the difficulty of getting together in...

Tuesday, October 17, 2023

SECURE 2.0: Changes Going Into Effect in 2024 Passed in 2019, the SECURE Act was the most substantial retirement legislation in over a decade. It contained important changes designed to help investors save more and be better prepared...

Tuesday, October 3, 2023

Time to Think About Year-End Financial Strategies As we roll into fall and the fourth quarter, now is a good time to pause and reflect on proactive ways to set up your finances for 2024. Economically speaking, we are now in a much...

Monday, March 13, 2023

Our goal is to keep you update with the markets and what is going on in our economy. In light of everything that happened last week, here are some thoughts from Chief Economist, Brian Wesbury with First Trust Portfolio:While many...

Wednesday, September 28, 2022

Have you looked into your Social Security benefits and decided it was just too confusing to deal with right now? You wouldn’t be alone. It involves a lot of numbers and calculations, and not surprisingly there are some pretty...

Monday, September 26, 2022

It has been an interesting year so far and it doesn’t feel like there is only 3 months left.  There are still Federal Reserve meetings, corporate earnings and mid-term elections coming up.  As I write this the S&P 500...

Tuesday, August 23, 2022

Retirement is a major milestone — a moment to turn a new page to a chapter you’ve probably dreamed about for decades. People look forward to unencumbered schedules, freedom to travel, spending more time with relatives or...

Friday, July 29, 2022

When we created your investment strategy, your asset allocation  reflected your goals, time horizon, and tolerance for risk.But over time, any of those three factors may have changed, and your portfolio may now need adjustments to...

Tuesday, July 19, 2022

June was a rough month for equities in the US and around the world, with the S&P 500 down 8.25% in June. The Dow Jones Industrial Average was off 6.56%. The NASDAQ, which is tech heavy,...

Wednesday, June 15, 2022

It’s the one personal finance topic people often try to avoid, even though they know they shouldn’t. Estate planning refers to a number of activities dealing with how decisions are made, and assets are handled and disposed...

Monday, April 25, 2022

Thursday, March 24, 2022

Thursday, March 10, 2022

Monday, November 8, 2021

2022 Limits for IRAs, 401(k)s, and More On November 4, the Treasury Department released the 2022 adjusted figures for retirement account savings. Although these adjustments won’t bring any major changes, there are some minor...

Monday, October 18, 2021

At PearTree Advisory Group, it is important to us that you are well informed about what’s happening in the markets. Here are a few of the key topics of conversation that we feel deserve the most attention this month. If you have...

Thursday, July 22, 2021

Envision Retirement -- Even If You Don't Want To No, you're not the only soon-to-be retiree who's reluctant to leave your working days behind. What we do is so tied up in who we are that it can be difficult to picture yourself without...

Monday, July 19, 2021

At PearTree Advisory Group, it is important to us that you are well informed about what’s happening in the markets. Here are a few of the key topics of conversation that we feel deserve the most attention this month. If you have...

Monday, May 3, 2021

What’s important? April offered investors a breather from the reflation rally. However, it appears as though the break is over. In investing jargon, many of the market leaders from the November rally underwent a...

Friday, April 16, 2021

Recent reports show that a record-low number of homes are available for sale—roughly 1.03 million nationwide. Compared to the average number of homes for sale during the past 10 years, it's no surprise that many homebuyers are...

Sunday, February 28, 2021

At PearTree Advisory Group, it is important to us that you are well informed about what is happening in the markets. Here are a few of the key topics of conversation that we feel deserve the most attention this month. If you have any...

Thursday, February 4, 2021

John and Mary are nearing retirement and they have a lot of items on their bucket list. Longer life expectancies mean John and Mary may need to prepare for two or even three decades of retirement. How should they position their money?1...

Friday, January 22, 2021

At PearTree Advisory Group, it is important to us that you are well informed about what’s happening in the markets. Here are a few of the key topics of conversation that we feel deserve the most attention this month. If you have...

Monday, December 21, 2020

At PearTree Advisory Group, it is important to us that you are well informed about what's happening in the markets. Here are a few of the key topics of conversation that we feel deserve the most attention this month. If you have any...

Friday, December 4, 2020

On October 26, the Treasury Department released the 2021 adjusted figures for retirement account savings. Although these adjustments won’t bring any major changes, there are some minor elements to note. 401(k)sThe salary deferral...

Tuesday, November 24, 2020

At PearTree Advisory Group, it is important to us that you are well informed about what is happening in the markets. Here are a few of the key topics of conversation that we feel deserve the most attention this month. If you have any...

Monday, November 2, 2020

Breaking down the basics. Whether your 65th birthday is on the horizon or decades away, understanding the different parts of Medicare is critical, as this government-sponsored program may play a role in your future health care...

Thursday, October 22, 2020

At PearTree Advisory Group, it is important to us that you are well informed about what's happening in the markets. Here are a few of the key topics of conversation that we feel deserve the most attention this month. October continues...

Monday, September 21, 2020

At PearTee Advisory Group, it is important to us that you are well informed about what is happening in the markets. Here are a few of the key topics of conversation that we feel deserve the most attention this month. The first half of...

Thursday, August 20, 2020

At PearTree Advisory Group, it is important to us that you are well informed about what is happening in the markets. Here are a few of the key topics of conversation that we feel deserve the most attention this month. If you have any...

Monday, July 27, 2020

At PearTree Advisory Group, it is important to us that you are well informed about what is happening in the markets. Here are a few of the key topics of conversation that we feel deserve the most attention this month. If you have any...

Friday, June 26, 2020

At PearTree Advisory Group, it is important to us that you are well informed about what’s happening in the markets. Here are a few of the key topics of conversation that we feel deserve the most attention this month. If you have...

Tuesday, May 19, 2020

At 401(k) Engineers, it is important to us that you are well informed about what’s happening in the markets. Here are a few of the key topics of conversation that we feel deserve the most attention this month. If you have any...

Thursday, April 16, 2020

At 401(k) Engineers, it is important to us that you are well informed about what’s happening in the markets. Here are a few of the key topics of conversation that we feel deserve the most attention this month. If you have any...

Tuesday, April 7, 2020

There is a lot of information swirling around about the $2 trillion dollar relief act, The CARES Act. I wanted to provide you with the Bottom Line information that is important and an attempt to make it as simple as possible. If you...

Friday, March 27, 2020

We are doing well and our families are healthy. I hope everyone is staying safe and your families are doing well. I am grateful for the wonderful conversations I have had with you over the past few weeks and hearing the experiences...

Tuesday, March 17, 2020

At 401(k) Engineers, it is very important to us that you are well informed about what’s happening in the markets. Here are a few of the key topics of conversation that we feel deserve the most attention this month. If you have...

Friday, March 13, 2020

At 401(k) Engineers, it is important to us that you are well informed about what’s happening in the markets. Here are a few of the key topics of conversation that we feel deserve the most attention this month. If you have any...

Tuesday, February 25, 2020

At 401(k) Engineers, it is very important to us that you are well informed about what’s happening in the markets. Here are a few of the key topics of conversation that we feel deserve the most attention this month. If you have...

Thursday, February 20, 2020

At 401(k) Engineers, it is important to us that you are well informed about what’s happening in the markets. Here are a few of the key topics of conversation that we feel deserve the most attention this month. If you have any...

Friday, January 17, 2020

At 401(k) Engineers, it is important to us that you are well informed about what’s happening in the markets. Here are a few of the key topics of conversation that we feel deserve the most attention this month. If you have any...

Thursday, January 9, 2020

How much can you save for retirement in 2020? The Treasury Department has announced inflation-adjusted figures for retirement account savings for 2020: 401(k) contribution limits are up: The amount you can contribute to your 401(k) or...

Tuesday, December 17, 2019

At 401(k) Engineers, it is important to us that you are well informed about what’s happening in the markets. Here are a few of the key topics of conversation that we feel deserve the most attention this month. If you have any...

Tuesday, November 19, 2019

At 401(k) Engineers, it is important to us that you are well informed about what’s happening in the markets. Here are a few of the key topics of conversation that we feel deserve the most attention this month. If you have any...

Friday, November 8, 2019

November is Long-Term Care Awareness Month. Even the U.S. Congress has urged "the people of the United States to recognize (this) as an opportunity to learn more about the potential risks and costs … and the options available."...

Friday, October 18, 2019

At 401k Engineers, it is important to us that you are well informed about what’s happening in the markets. Here are a few of the key topics of conversation that we feel deserve the most attention this month. If you have any...

Wednesday, September 18, 2019

At 401k Engineers, it is important to us that you are well informed about what’s happening in the markets. Here are a few of the key topics of conversation that we feel deserve the most attention this month. If you have any...

Wednesday, August 21, 2019

At 401K Engineers, it is important to us that you are well informed about what’s happening in the markets. Here are a few of the key topics of conversation that we feel deserve the most attention this month. If you have any...

Friday, August 16, 2019

Dear Clients and Friends, At 401(k) Engineers, it is very important to us that you are well informed about what’s happening in the markets. Here are a few of the key topics of conversation that we feel deserve the most attention...

Monday, August 5, 2019

Dear Clients and Friends, At 401(k) Engineers, it is very important to us that you are well informed about what’s happening in the markets. Here are a few of the key topics of conversation that we feel deserve the most attention...

Wednesday, July 10, 2019

Workers will be able to contribute more to their retirement accounts in 2019. The contribution limit for employees who participate in 401(k), 403(b), most 457 plans, and the federal government’s Thrift Savings Plan is increased...

Wednesday, May 22, 2019

At 401(k) Engineers, it is very important to us that you are well informed about what’s happening in the markets. Here are a few of the key topics of conversation that we feel deserve the most attention this month. If you have...

Sunday, May 19, 2019

A PRACTICAL APPROACH TO HELPING AGING RELATIVES PREPARE FOR THE FUTURE The best plans for managing the finances of an older relative are made when that individual is still healthy. Once stricken by illness, or frustrated by the loss of...

Sunday, May 19, 2019

Heading into your retirement years brings a slew of new topics to grapple with, and one of the most maddening may be Medicare. Figuring out when to enroll, what to enroll in and what coverage will be best for you can be daunting. To...

Wednesday, May 15, 2019

At 401(k) Engineers, it is very important to us that you are well informed about what’s happening in the markets. Here are a few of the key topics of conversation that we feel deserve the most attention this month. If you have...

Tuesday, April 16, 2019

At 401(k) Engineers, it is very important to us that you are well informed about what’s happening in the markets. Here are a few of the key topics of conversation that we feel deserve the most attention this month. Sorry for the...

Tuesday, March 19, 2019

At 401(k) Engineers, it is very important to us that you are well informed about what’s happening in the markets. Here are a few of the key topics of conversation that we feel deserve the most attention this month. Sorry for the...

Tuesday, March 19, 2019

There are a multitude of reasons why you should complete your estate planning. Below is a list of the top 4 reasons why you need an estate plan: AVOIDING PROBATE AVOIDING PROBATE IS BY FAR THE MOST COMMON REASON WHY PEOPLE SEEK OUT...

Monday, February 25, 2019

At 401(k) Engineers, it is very important to us that you are well informed about what’s happening in the markets. Here are a few of the key topics of conversation that we feel deserve the most attention this month. If you have...

Tuesday, February 19, 2019

Many of us grew up in a world where it was customary to be friendly, courteous, and trusting. Unfortunately, assumptions concerning these standards of conduct can sometimes get us into trouble. Crooks use clever schemes to defraud...

Saturday, January 19, 2019

As we settle into this new year, you may be asking yourself, "How am I going to make this year different? What can I do to improve this year?" Or, you may have already broken your resolution. No need to worry, we are giving you a...

Monday, October 1, 2018

Waiting until just before April 15 to start thinking about your taxes may prove to be a costly mistake. Preparing a draft of your tax return before the end of the year will provide you with a more complete picture of what you are...

Tuesday, September 11, 2018

More than 1 in 5 employees do not contribute enough to their 401(k) to receive your full employer match.[1] Your employees might not fully understand how to take full advantage of it or what they are missing out on… Remind them...

Tuesday, August 28, 2018

For the majority of future retirees, medical expenses pose significant risk to any retirement plan, and they are only projected to rise. Medical cost estimates for couples throughout their full retirement, assuming both partners are 65...

Tuesday, August 14, 2018

Many financially stressed employees confess to spending 3+ hours of their work week distracted by personal finances[1], that’s 156 hours per year. This means you could be losing up to $5,260 per employee![2] So, what can...

Saturday, July 7, 2018

A Marathon for Everyone Recently, I went to cheer on a friend running in her first marathon. The excitement of watching thousands of people accomplish such an amazing goal was an experience like no other. I waited at the last bend...

Saturday, July 7, 2018

Locating missing plan participants can be a headache for any employer, but simply ignoring them is not an effective solution. Regulatory agencies in previous years have published guidance on this topic relating to missing...

Thursday, June 7, 2018

Warren Buffet’s wealth came from three things… a combination of living in America, some lucky genes, and compound interest! As an employer that sponsors a 401(k) plan, encouraging your participants to make small changes...

Monday, January 22, 2018

At 401(k) Engineers, it is very important to us that you are well informed about what’s happening in the markets. Here is a brief recap of what has been going on over the last month or so and what we expect in the month ahead....