Blog

Do I qualify for student loan forgiveness?

2023-05-11T14:58:32-04:00September 2nd, 2022|Blog, Financial Planning|

Do I qualify for student loan forgiveness? By: Margaret Nickens In August, President Joe Biden announced a plan to forgive federal student loan debt and introduce a new income-driven repayment plan. He also extended the student loan payment pause through December 31, 2022. With these changes, you may be wondering whether or not your [...]

What are Dividend Aristocrat stocks?

2023-05-11T14:59:09-04:00August 25th, 2022|Blog, Investments|

What are Dividend Aristocrat stocks? By: Stacey Nickens Income-oriented investors often look for stocks with strong dividend yields and consistent dividend payments. Investing in a stock with those attributes can allow you to maintain a fairly consistent income stream in your investment portfolio, regardless of broader market volatility. In looking for income-paying stocks, you [...]

Tax Credit Changes Under the Inflation Reduction Act

2023-05-11T14:59:22-04:00August 19th, 2022|Blog, Inflation, Taxes|

Tax Credit Changes Under the Inflation Reduction Act By: Stacey Nickens On August 16, 2022, President Biden signed the Inflation Reduction Act into law, enacting legislation designed to combat climate change, support clean energy, and raise tax revenue. The new legislation increases corporate tax rates, offers additional tax credits or expands existing ones, and [...]

Elm3’s Guide to Exchange-Traded Funds (ETFs)

2023-05-11T14:59:37-04:00July 28th, 2022|Blog, Investments|

Elm3's Guide to Exchange-Traded Funds (ETFs) By: Stacey Nickens As investors, we are always inundated with reminders to diversify our portfolios. Diversification involves adding lots of companies to your portfolio, such that your portfolio is exposed to a variety of company sizes, company styles, and sectors. Diversifying your portfolio helps create stability. If one [...]

5 Tax Considerations for Self-Employed Individuals

2023-05-11T14:59:50-04:00July 22nd, 2022|Blog, Financial Planning, Taxes|

5 Tax Considerations for Self-Employed Individuals By: Stacey Nickens Deciding to become your own boss can be incredibly meaningful and freeing. As a self-employed person, you have much more control over your day-to-day schedule, your business structure, and so much more. At the same time, costs that were previously covered by an employer now [...]

Is Your Emergency Fund Too Small, Too Big, Or Just Right?

2023-05-11T15:03:12-04:00July 7th, 2022|Blog, Financial Planning|

Is Your Emergency Fund Too Small, Too Big, Or Just Right? By: Stacey Nickens Goldilocks didn't have to build an emergency fund. She knew that she could break into any number of bears' homes and have as much porridge as she needed, but the rest of us aren't so lucky. How much porridge do [...]

4 Tips for Managing Rising Inflation

2023-05-11T15:03:26-04:00June 22nd, 2022|Blog, Financial Planning, Inflation|

4 Tips for Managing Rising Inflation By: Stacey Nickens Inflation is on the rise, and while the Fed is raising interest rates to try to tamp down on rising costs, your budget is still likely hurting from inflationary pressures. You may see your expenses going up more quickly than your income, and as a [...]

IRS Raises Mileage Rates Due to Rising Gas Prices

2023-05-11T15:03:50-04:00June 17th, 2022|Blog, Financial Planning, Taxes|

IRS Raises Mileage Rates Due to Rising Gas Prices By: Stacey Nickens This summer, I've sat around many a dinner table, bemoaning the rise in gas prices. Many of us have seen our gas bills rise astronomically. Luckily, if you use your car for business, the IRS has recognized the rise in gas prices [...]

Investing to Manage Volatility, Inflation, & Rising Interest Rates

2023-05-11T15:05:42-04:00May 13th, 2022|Blog, Financial Planning, Inflation|

Investing to Manage Volatility, Inflation, & Rising Interest Rates By: Stacey Nickens Since the New Year, investors have been riding the stock market rollercoaster. As of mid May, all major indices have posted YTD losses. The conflict in Ukraine, rising interest rates, and inflation have all impacted market returns. With that said, how can [...]

Do you need long-term care insurance?

2023-05-11T15:06:13-04:00May 6th, 2022|Blog, Financial Planning, Insurance|

Do you need long-term care insurance? By: Stacey Nickens Historically, individuals didn't need to plan for their care in old age. Most people stayed and lived within the communities that they were born into, and younger family members were expected to care for aging relatives. However, industrialization and the centralization of jobs in cities [...]