Broker Check
  

Blog

FOCUS ON YOUR FINANCIAL FUTURE - a blog by Kathy Nithman

The average retirement savings will generate less than $500 per month.* Paired with an average social security benefit of less than $1,500 per month, that’s not much to live on... Explore our blog for ideas on how to get the most out of your finances. Take control today, so you can own your tomorrow. You deserve more than average. Step into your desired future.

 *U.S. Government Accountability Office

 

Tuesday, March 10, 2020

“If your actions inspire others to dream more, learn more, do more and become more, you are a leader.” - JOHN QUINCY ADAMS, U.S. PRESIDENT With April 15th just around the corner, taxes are on everyone’s mind. ......

 

Wednesday, February 5, 2020

“It’s your attitude at the beginning that determines success or failure.” Now that January has passed, reflect upon your year so far. Did you make New Year’s resolutions? Have you stuck with them? Still going...

 

Friday, September 28, 2018

September Goal: Protect Your Loved Ones Life insurance is a simple answer to a very difficult question: “How will my family manage financially when I die?” No one wants to think about a life without them! If you have...

 

Monday, August 13, 2018

Dreams Don’t Work Unless You Do! As of 2016, there were 28.8 million small businesses, which accounted for 99.7% of American businesses. Entrepreneurs throughout the country are making the dream of owning their own businesses come true.

 

Wednesday, August 1, 2018

July Goal: Plan for College Katherine Nithman CFP®, RFC®, CWS®, CRC®, AIF® | August 1, 2018 Did you know that… On average, an American worker with a Bachelor’s degree earns nearly $30,000 more per year...

 

Show All

Tuesday, June 26, 2018

Are you still on track to reach your 2018 goals? Proper Planning Can Help You Stay FocusedIt can be easy to get distracted. Take a little time to evaluate where you are today. Ask yourself the following questions:- Where am I? - Where...

 

Friday, April 20, 2018

Our goal for April is aimed at helping the next generation gain greater confidence and control over their finances. Today, we celebrate “National Teach Children to Save” Day. Click HERE to learn six effective ways of...

 

Wednesday, March 28, 2018

Knowing which financial and personal paperwork to keep or toss is very important. Here’s a suggested timeline for keeping/shredding documents. Documents which should be kept indefinitely—in a secure location: Birth/death...

 

Friday, March 9, 2018

Have you ever missed paying a bill on time because your statement was misplaced? Do you have unread mail and miscellaneous paperwork piled around your home? Have you been meaning to clear away the clutter, but just haven’t made...

 

Wednesday, February 28, 2018

4 Reasons for the Return of Market Volatility Until early 2018, stocks were enjoying their longest period without a five percent pullback in nearly 90 years.1,2 But in early February, that calm came to a sudden and decisive end, as...

 

Friday, February 9, 2018

February is a great month to reevaluate your financial goals. What are your intentions for the year ahead? Visualize yourself at the end of this year. What will you attract into your life? What will you accomplish in 2018? Do you want...

 

Tuesday, January 30, 2018

People often view financial advice through a single lens, as investment advice. However, there’s a big difference between simply managing your investment portfolio (one aspect of your overall finances) and a holistic approach to...

 

Friday, January 26, 2018

Have you noticed the new mark behind Kathy’s name? Kathy successfully earned her Accredited Investment Fiduciary® (AIF®) designation in 2017. At the end of last year, Kathy attended an invitation-only conference offered...

 

Friday, January 19, 2018

According to a recent poll by YouGov, over 60% of Americans planned to set New Year’s resolutions in 2018. 2018’s top resolutions: Eat better, exercise, spend less money - YouGov Omnibus, 2017 Did you make resolutions this...

 

Thursday, January 11, 2018

The enactment of the Tax Cuts and Jobs Act (TCJA) represents “the most sweeping overhaul of the U.S. tax code in more than 30 years.”1 For millions of Americans and businesses it means an altered financial and investment...

 

Friday, December 15, 2017

As you travel on the journey of life, you will inevitably build up an estate that one day your loved ones will inherit. How and what they will receive depends on your preparation. An estate plan acts like a roadmap for your heirs by...

 

Thursday, December 7, 2017

Mark your 2018 calendar to increase your retirement plan contributions starting in January. In October, the Internal Revenue Service (IRS) published the cost-of-living adjustments affecting dollar limits for retirement plans for the...

 

Friday, November 17, 2017

What would you do if you were suddenly faced with an additional yearly expense of $30,000 to $60,000 because of unexpected health care needs?

 

Thursday, October 12, 2017

“The greatest wealth transfer in U.S. history will take place from 2007 to 2061. During this time frame, approximately 93.6 million U.S. estates will transfer an estimated $59 trillion.” - Center on Wealth and Philanthropy...

 

Wednesday, September 27, 2017

Did you know that your insurance benefit could become taxable? Consider these facts on aging from the 2010 Census¹: The highest growth rate for a 10-year age group within the older population (age 65+) was for men 85 to 94 years...

 

Wednesday, September 20, 2017

Most people are aware of the typical life events that trigger a need for life insurance, such as marriage, the birth of a child, or the purchase of a home. Life insurance can also help with other important financial needs: Life...

 

Wednesday, September 13, 2017

Life insurance plays an important role in legacy planning, allowing you to guarantee what you choose to pass on to loved ones. It can help fulfill your legacy to your spouse or heirs and: Ensure funds are immediately available to pay...

 

Friday, September 8, 2017

Have you ever had to replace the roof on your home? Home repairs are not the most satisfying expenditures you will ever make. Wouldn’t new landscaping be so much more gratifying? Yet, the investment in a quality roof is a...

 

Wednesday, August 23, 2017

Most people agree that insurance is a must. Did you know your credit score may affect your rates? Does Your Credit Score Affect Your Insurance Rates?One landmark study found that credit-based insurance scores are used by about 95...

 

Thursday, August 10, 2017

Three little numbers can have a major impact on your life. Your credit score influences your ability to purchase a vehicle, buy or rent a home,qualify for a personal loan, get a job, obtain a credit card or cell phone, and may even...

 

Friday, July 14, 2017

July Goal – Make More Money "On average, millionaires invest 20% of their household income each year. Their wealth isn't measured by the amount they make each year, but by how they've saved and invested over time.” Ramit...

 

Friday, June 30, 2017

Stress seems to affect everyone in different ways. We thought you might like to learn more about how debt may increase your stress level, and what you can do about it. DEBT STRESS The average American household with debt owes $132,158...

 

Monday, June 12, 2017

The most recent report from the Federal Reserve Bank of New York shows that the U.S. has set a new record in household debt. Debt levels have exceeded the peak set in 2008 – preceding the recession. When people think of debt,...

 

Sunday, May 7, 2017

You’re working hard to build a strong foundation for your anticipated retirement. What would happen to your family’s future, if something should interrupt your ability to earn a living? It can be difficult to plan for...

 

Friday, April 28, 2017

National Teach Children to Save Day is April 28th, 2017. Celebrate with us! Children, as young as three and four years old, can grasp financial concepts such as spending and saving money. A study by researchers at Cambridge revealed...

 

Friday, April 14, 2017

Mvelopes offers a digital take on the popular paper money budgeting technique. Divide money into envelopes to create individual budgets for your groceries, bills, entertainment, savings, etc. Once you’ve used the allotted amount...

 

Tuesday, April 4, 2017

Many people think of retirement as a future paradise. A magical time to do whatever you want. A final destination that includes freedom, travel, grandkids, happiness. So how do you GET there? What do you do once you ARE there?...

 

Friday, March 24, 2017

OVERVIEW: Mint is available at no charge in the App Store and on Google play. It is web based, so it’s accessible on the computer as well as the smartphone. Mint’s dashboard provides a quick summary of all your personal...

 

Wednesday, March 1, 2017

Don’t miss your opportunity to minimize your tax burden before the April 18th deadline. Your tax savings could potentially add up to thousands of dollars. What can you do to reduce your taxable income today? Start or max-out a...

 

Monday, February 27, 2017

In February’s “Spend Wisely” post, we mentioned three apps that you can use for budget tracking: Mint, mvelopes, and Penny. I tried each one out, and I’ll share my experiences with you over the next few days....

 

Tuesday, February 7, 2017

You have envisioned your long-term goals. Now it’s time to focus on creating good spending habits. We’ve all heard it’s important to create and stick with a monthly budget. But why? A successful money management plan...

 

Thursday, January 12, 2017

A recent article from the UK’s Telegraph has caught my eye, as it fits in perfectly with the goal we set for the month of January, “Make a Plan.” Special thanks to one of our favorite clients for sending it to me....

 

Monday, January 9, 2017

The first step to making your financial dreams come true is to define your desired outcome. Take time to reflect on where you are. Then consider where you want to be next year, in five years, 10 years, at retirement. Focusing on your...

 

Monday, January 2, 2017

The turn of the new year is the most popular time to make resolutions and set goals for what we want to accomplish in the year ahead. What better time to think more in depth about your financial health and take action to improve your...

 

Sunday, January 1, 2017

We designed and produced a 2017 calendar just for you! Each month highlights one thing you can do to brighten your financial future. It is complete with notable financial dates, and it features beautiful photography, all shot by Kathy...