As the weather warms and the days get longer, you may be enjoying some more nights out on the town, buying some new clothes, or planning some trips. It's certainly an exciting season — a refreshing new beginning after winter — but it can also be financially straining. According to Gallup, consumers reported spending up [...]
Social Security is a valuable source of retirement income that protects against inflation, market volatility, and longevity. For many, it's their only guaranteed retirement income; however, many do not think to develop a Social Security filing strategy in order to maximize their benefits. Some think, I can  just talk to a representative with the Social Security [...]
With us being three months out from April 18, what are things you should be considering? Notably, it's important to get your taxes done as early as possible to avoid identity theft, but there are a number of other important deadlines and headlines that you should take into consideration going into this short, chilly month. February 1st [...]
If you’re an online tax prep user, you may notice some changes this season. Your account might log off more quickly after periods of inactivity or you may have fewer chances to re-enter your password after a log-in error. These changes in online services such as TaxSlayer and TurboTax are part of an effort by [...]
As 2015 comes to a close, we can't help but look back and think about what a wonderful year this has been for us at ELM3. We have continued to grow our family, we have expanded the services we offer, and more than anything else, we have continued to have the privilege of serving our cherished [...]
As 2015 comes to a close, it's important to take a moment to breathe. Stop working, stop moving, and appreciate a beak and time with your family. Before you take your much-deserved rest, make sure there are a few tasks you check off your list. Though they don't take very long, they will send you [...]
There's a lot you may be thinking about as the year comes to an end. What should I get relatives for Christmas? How are my finances looking going into the New Year? Is it worth starting another New Year's diet come January 1? But something you should also have on your radar is your 2015 [...]
As you near retirement, it's critical that you take a comprehensive and critical look at your financial plan for the next 20-30 years. You may not have a clear picture of what your income will look during retirement, and you can't plan your expenses accordingly. Instead of waiting until the last minute, sit down with [...]
As you move through life, your financial priorities will change. Your goals when you are starting your career will be dramatically different from those as you near retirement. This article will focus on financial priorities for those establishing their career and making important personal decisions, such as getting married. 1. Negotiate your salary As you [...]
You may be nearing a point where you feel very comfortable in your life. You have started having children and building a family, or perhaps you've established yourself in your career. This post will focus on financial priorities for those who are farther along in their career and/or family lives but who have not [...]
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