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By

James Hargrave
Financial Planner
“For time and the world do not stand still. Change is the law of life. And those who look only to the past or the present are certain to miss the future.” – John F. Kennedy      Nothing in life stands still, including the laws that govern our country. While we understand that laws...
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Residents
You have bet on yourself time and time again. This required putting in hours of studying, honing your expertise, and taking on a large financial obligation. You have done all this for a chance to practice a profession that demands the very best of you each and every day. To many residents, the end is...
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Congratulations, you did it! Your discipline and dedication to automatically investing through paycheck deductions, and regular savings has resulted in being able to reach your goals and retire. Unfortunately, there may be a hidden downside if you have not been careful in where you invested, as you may get a much larger tax bill than...
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Financial Arguement
Marriage is one of the most defining moments in a couple’s life, and like any major milestone it should not be entered into lightly. While inevitably some marriages simply do not last it is important to understand that some of those marital hurdles can be overcome with patience, compromise, and above all communication. According to...
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October is rolling around again and just like last year you should be receiving notice that your enrollment period is open from your employer. It is time to sign up for additional benefits or remove current benefits through your employer’s group options. Instead of deleting this email, make this the year you dive into truly...
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Women Researching
Many individuals are aware that in 2019 they can contribute up to $19,000 in their 401(k) as well as an additional $6,000 if they are 50 or older. However, what most individuals are not aware of is that there is a provision that some employer’s 401(k) plans allow for a potential additional employee after-tax contributions...
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The Self-Checkout Financial Service Industry    Is the age of the financial adviser dead? Just mere decades ago, the average consumer would have been taken back by the thought of scanning and bagging their own groceries. Today, self-service is a way of life and has continued to take over every industry imaginable with the financial...
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Residents
Why are you not taking advantage of your hsa? Many individuals are well aware that health care costs are risings and it is often the most expenses item in one’s retirement plan. However, very few individuals have implemented a strategy to handle these future expenses and are missing out on utilizing a key tool in...
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Employer Match
One of the first pieces of financial planning advice is that one should immediately take advantage of any employer’s matching. However, many individuals who are maxing out their 401(k) early in the year do not realize they are missing part of their employer’s match. It all comes down to the details. There is a lot...
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Financial Wellness
In a world of buzzwords, where did Financial Wellness Programs come from and how did this industry grow? As with many aspects of life, it is hard to answer a question without understanding the context around the issues that this emerging industry is trying to solve. Let’s jump back to the early 1980s when the...
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