Broker Check


Thursday, June 25, 2020

The Internal Revenue Service knows that many taxpayers have had a stressful spring. So, it has reset the federal tax deadline. You now have until July 15 to file your 1040 form. July 15 is also the deadline to pay any federal taxes...


Wednesday, June 17, 2020

On June 11, equity markets fell sharply, with declines in excess of 5% for the S&P 500 Index and Dow Jones IndustrialAverage. While notable, the magnitude of these moves is rather ordinary and can be expected to occur throughout a...


Wednesday, May 20, 2020

Did you know that the origins of spring cleaning date from when fireplaces heated homes? Through the fall and winter, soot would build up throughout the house, and when the weather warmed, a little clean up was required. “Spring...


Wednesday, May 13, 2020

Few life events are more stressful than a job loss. If you or someone you know is in this situation due to COVID-19, you’ll likely have several questions about job hunting, unemployment insurance, and health care. You may also be...


Friday, May 8, 2020

Thanks to COVID-19, flying is down, driving is down, and the price of fuel is way, way down. On April 20, U.S. crude oil dropped to its lowest level in more than 30 years, due to a slump in demand. That day, West Texas Intermediate...


Show All

Monday, April 27, 2020

5 answers for the scared voices in your head Please see the attached article written by Dr. Daniel Crosby, Chief Behavioral Officer, Brinker Capital. Thank you!


Wednesday, April 15, 2020

Please see the following LPL Financial key components regarding The Cares Act. THE CARES ACT KEY COMPONENTS


Friday, April 3, 2020

Updates on Federal Income Taxes and Required Minimum Distributions


Wednesday, March 25, 2020

Win the Day!


Tuesday, October 22, 2019

. Keeping track of all your savings and investments has prompted many individuals to seek guidance. You may have already scheduled a meeting with an advisor. To make the most of your time together, keep this pre-meeting checklist in mind.


Sunday, October 20, 2019

Certain tactics for drawing cash from retirement assets may have more favorable tax implications for the investor. It is also possible to manage portfolio rebalancing in order to minimize transaction costs.


Friday, October 18, 2019

Among the fundamental concepts of investing, diversification may be critical to reducing risk and volatility over time. Effective diversification involves selecting a mix of securities that react differently to market and economic condition


Monday, October 14, 2019

Good money habits can help you as you save and invest for the future. Bad habits can leave you treading water (or underwater) financially. Here are some to avoid. Not saving enough. Instead of paying themselves first, some families pay...


Tuesday, October 8, 2019

Today, retirement may seem nearer to you than it once did. Time is of the essence. The years between 40 and 60 are crucial years in your financial life.


Monday, October 7, 2019

Your twenties are the perfect time to save and invest - before you have a family or mortgage, set your future self up for financial success by doing these 5 things.


Wednesday, October 2, 2019

Guessing the market’s timing is not easy, and even many professional money managers have misjudged significantly. For individual investors, a better alternative over the long run may be a buy-and-hold strategy.


Tuesday, September 24, 2019

Changing jobs? Here's what to do with the money in your retirement plan. Changing jobs is an important decision -- one that many of us are making more often. Once you've decided to switch jobs, your next move is to determine what to do...


Monday, September 9, 2019

Saving for college and retirement at the same time - it's a dilemma more and more American parents are facing. How can you support your child's education without hurting your own financial future in the process?


Tuesday, September 3, 2019

As more Americans shoulder the responsibility of funding their own retirement, many rely increasingly on their 401(k) retirement plans to provide the means to pursue their investment goals. That's because 401(k) plans offer a varie ty...


Monday, August 26, 2019

Because you've worked hard to create a secure and comfortable lifestyle for your family and loved ones, you'll want to ensure that you have a sound financial plan that includes trust and estate planning. With some forethought, you may...


Monday, August 26, 2019

Focusing on the long term can pay off for investors. Especially when investors make regular contributions to their accounts. Whether the goal is saving for a house, college, retirement or a legacy, making a long-range plan—and sticking to i


Monday, August 12, 2019

Any full-time employee is eligible to participate in his or her school's 403(b) plan. If you set up automatic deductions, you can be building wealth for retirement and making regular 403(b) contributions may offer a significant tax benefit.


Friday, August 2, 2019

Financial stress can strike at any time. If you're worried about money and your solution is to wait for things to get better, you're making a mistake. The best way to tackle money troubles is to take control and make some changes.


Friday, July 26, 2019

There are many prescriptions to get to financial health. Here are four proven strategies to help you get there.


Wednesday, July 24, 2019

How can you take years off your physical and mental age? What choices could make you feel and look better? A few good habits might make a difference. Eat healthily. Aerobic exercise helps the heart, but it doesn’t necessarily...


Wednesday, June 26, 2019

When deciding whether or not to buy long-term care insurance, consider the potential cost of care, the cost of insurance premiums, and the coverage provided.


Wednesday, June 26, 2019

Waiting in a winding airport security checkpoint line is just one of many potential headaches today’s travelers' experience. Here are some tips to help ease the stress of traveling.


Tuesday, June 25, 2019

By following a basic three-step plan -- tracking your monthly income and expenses, establishing good saving habits, and then using what you have learned from the first two steps to begin reducing what you owe -- you can rid yourself of the


Tuesday, June 25, 2019

What makes for a great family vacation? Should it include learning as well as leisure? Thinking about that next family trip? If you are mulling over how to make your next one great, consider these questions and factors. Should...


Tuesday, June 25, 2019

Without setting your life goals, saving and investing can seem like a bunch of disconnected facts and figures. These are important figures to keep in mind, but they miss a key critical element: how you go about defining and prioritizing you


Wednesday, June 19, 2019

Marriage can positively and negatively affect your ability to build wealth, plan for retirement, plan your estate, and capitalize on tax and insurance-related benefits.


Monday, June 17, 2019

Getting married this summer? Have you thought about how being married will affect your investments and personal finances?


Tuesday, June 11, 2019

Variable annuities are gaining popularity thanks to the growing population of retirees' interest in lifetime retirement income and living benefit options. It's crucial to understand the differences in each product's features and fees.


Thursday, May 23, 2019

Many New Hampshire public school employees have access to both a 403b and a 457 retirement savings plan through their school - but which should you contribute to?


Wednesday, May 22, 2019

Are you making these common investing mistakes and hurting your chances of saving for the retirement and financial success you deserve?


Thursday, May 16, 2019

Naming a beneficiary is an incredibly important, but often overlooked part of financial planning. Retirement accounts, pensions, and life insurance policies all require you to name a beneficiary to eventually take over your assets.


Thursday, May 16, 2019

Maintaining good credit is essential when applying for loans, buying a house, and trying to get a better interest rate. Your credit score influences many areas of your financial life.


Monday, May 13, 2019

Trade fears drove stocks to their worst week of the year, down 2% after President Trump placed higher tariffs on $200 billion of Chinese goods and threatened fresh tariffs on an additional $325 billion in Chinese goods after the...


Wednesday, May 1, 2019

Life insurance is a cornerstone of a sound financial plan, but many Americans have no life insurance, or if they do their coverage is inadequate.


Thursday, April 18, 2019

1 in 3 Americans has nothing saved for retirement and more than half of Americans have less than $10,000 saved. The fact is, you can retire, but it does require time and careful planning.


Monday, April 1, 2019

Roth IRAs are funded by after-tax contributions and offer the potential for tax-free growth and withdrawals.


Thursday, March 28, 2019

Teaching your kids to be financially responsible is one of life’s critical lessons. But life is busy and financial education isn't always at the top of our to-do lists. Here are 10 easy ways to put your kids on the path to financial success


Tuesday, March 19, 2019

What are the potential advantages of making after-tax contributions to your employer-sponsored retirement plan? Like a Roth IRA, Roth 401(k) contributions offer unique tax-benefits.


Monday, March 11, 2019

Should you convert all or a portion of your traditional IRA assets to a Roth account?


Thursday, March 7, 2019

While having a financial plan is important for everyone, it is especially important for women. Despite advances made in recent generations, women continue to face unique challenges when it comes to preparing for their financial futures.


Thursday, February 28, 2019

Savvy investors have long realized that what their investments earn after taxes is what really counts. Fortunately, there are several tools and tactics you can use to help manage taxes and your investments.


Thursday, February 21, 2019

Did those monthly IRA contributions not add up to as much as you hoped they would? It's not too late to make up for it!


Thursday, February 14, 2019

Download Your Complete Guide to IRAs


Tuesday, February 12, 2019

A Qualified Charitable Distribution (QCD) can be made to a public charity, tax free, up to $100,000 annually- all while satisfying your RMD and minimizing your taxable estate.


Monday, January 28, 2019

Everything You Need to Know about IRAs IRA, – it’s an acronym we hear a lot, but what is it really? With Tax Day- aka the deadline to make 2018 IRA contributions, just around the corner, now is a great time to brush up on...


Friday, January 11, 2019

The S&P 500 Index is off to its best start in years, but this is on the heels of the worst year for stocks since 2008. Investors have had blindfolds on trying to hide from all of the bad news, but maybe it’s time to remove the blindfolds.


Thursday, January 3, 2019

If one of your new year’s resolutions is to save more for retirement, then I have some GREAT news! Did you know the IRS announced in November that the limit on contributions made to retirement savings accounts would be increased in 2019?


Friday, December 28, 2018

Identity theft affects millions of Americans each year. Learn the risks and how you can protect your sensitive data from cybercriminals.


Friday, December 21, 2018

“We do not anticipate a recession in 2019, thanks to the fundamentally driven economic momentum, combined with fiscal incentives and government spending programs on tap for the coming year,” said John Lynch, LPL Chief Investment Strategist.


Friday, December 14, 2018

It feels to me as though the Holidays will be here and gone before we know it! Really, where has the time gone this year? This year I am taking extra care to spend time with friends and family, enjoying our favorite holiday traditions....


Wednesday, December 12, 2018

Last week was a tough week for stocks, with the S&P 500 Index down 4.5%, the worst performance since March. So what are some things investors should consider? To help answer that question, here are five takeaways on the near-term...


Friday, December 7, 2018

As of this writing, the S&P 500 Index is down again on top of the over 3% drop on Tuesday (markets were closed Wednesday to celebrate the life of former President George H. W. Bush 41). Here are our thoughts on the latest sell-off:...


Wednesday, December 5, 2018

2018 has been a rocky year with a big dose of volatility, but could a late-year rally be in store for investors? History says it is quite possible. “Although the well-known Santa Claus rally is technically the last five days of...


Wednesday, December 5, 2018

Although most of us recognize the importance of sound retirement planning, few of us embrace the nitty-gritty work involved. With thousands of investment possibilities, complex rules governing retirement plans, and the unpredictable...


Wednesday, November 28, 2018

The Conference Board’s Leading Economic Index (LEI) is one of our favorite economic indicators. It is designed to predict future movements in the economy based on a composite of 10 economic indicators (like manufacturers’...


Monday, November 19, 2018

At Personal Financial Strategies we have the client - and only the client in mind. Our advisor-client relationship is based on trust and mutual respect.


Wednesday, November 14, 2018

This question is being asked a lot following last week’s midterm election results, in which the Republicans held onto the Senate and the Democrats claimed control of the House. In one sense, these results may not matter for U.S....


Wednesday, November 14, 2018

The potential outcomes of the midterm elections have been dominating the news cycle lately, and we know from history that the markets typically do not like uncertainty. With the Democrats taking control of the House of Representatives,...


Monday, November 12, 2018

Retirement plans established under Section 401(k) of the Internal Revenue Code, commonly referred to as "401(k) plans," have become one of the most popular types of employer-sponsored retirement plans. What is a 401(k) plan? A 401(k)...


Wednesday, November 7, 2018

The consensus was right. Although some votes are still rolling in, the Republicans have held onto their Senate majority (and they are tracking to add at least a couple seats to their majority), while the Democrats are poised to retake...


Monday, November 5, 2018

Facebook, Twitter, LinkedIn—they’ve all fallen prey to hackers who exposed passwords and other personal information for hundreds of thousands of their users. If you haven’t yet had your password stolen, chances are,...


Tuesday, October 30, 2018


Thursday, October 25, 2018

October has been a rough month for equities, but then again it’s historically been one of the most volatile periods of the year. “October is known for volatility, and we’ve sure seen it so far,” explained Senior...


Monday, October 22, 2018

For all employers, offering retirement benefits can play a fundamental role in recruiting and retaining qualified employees. Yet, despite the obvious advantages that come with helping workers save for retirement, many not-for-profit...


Wednesday, October 17, 2018

After more than three months without a single 1% change (up or down) for the S&P 500 Index, volatility came back—and in a big way—this past week. This brings up an interesting question: What would happen if you could avoid...


Monday, October 15, 2018

529 savings plans are tax-advantaged education savings vehicles and one of the most popular ways to save for college today. They can also be used to save for K-12 tuition. Much like the way 401(k) plans changed the world of retirement...


Thursday, October 11, 2018

Stocks just had their worst one-day drop since February, as a combination of higher bond yields, U.S./China tensions, nervousness over the upcoming midterm elections, six straight months of gains, and worries about peak margins this...


Monday, October 8, 2018

As a woman, you have financial needs that are unique to your situation in life. Perhaps you would like to buy your first home. Maybe you need to start saving for your child's college education. Or you might be concerned about planning...


Monday, October 1, 2018

No matter how much money you make, completely mastering money early on in life can help you potentially achieve what everyone wants: a financially comfortable today and a financially secure tomorrow. Mastering money in our society can...


Wednesday, September 19, 2018

Massive computer hacks and data breaches are now common occurrences — an unfortunate consequence of living in a digital world. Once identity thieves have your information, they can use it to gain access to your bank and credit...


Monday, August 27, 2018

Employer-sponsored qualified retirement plans such as 401(k)s are some of the most powerful retirement savings tools available. If your employer offers such a plan and you're not participating in it, you should be. Once you're...


Wednesday, August 8, 2018

Five Money Rules to Live By Evergreen principles for finding financial balance It’s not simply a matter of working harder; it’s much more about using your non-financial skills and talents in new ways to bring you prosperity...


Tuesday, July 31, 2018

College won’t pay for itself. How will you pay for it? You may have more choices than you think. Is creating a college fund on your to-do list? Consider these options. 529 plans. Anyone can contribute to these savings vehicles....


Monday, July 30, 2018

College marks a great milestone in a c life. It may be the first time he or she will live away from home. Dropping off your child at college may be an experience loaded with emotions, so here are a few tips for a smoother transition....