About 8.5% of U.S. households are headed by a self-employed person. While self-employed households tend to earn higher income than salaried households, research shows they also tend to take the biggest hit during an economic downturn.1  The emergence of independent contractors and the gig economy helped make self-employment a more viable option for Americans after…

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As the COVID-19 strain of the coronavirus flows through our nation’s population, many Americans may find themselves working shorter shifts, working from home, on paid or unpaid medical leave, furloughed or even laid off. While additional remedies from federal, state and local governments may be forthcoming to help households sustain financial stability, there are programs…

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You made it. Years of hard work, investing, planning, and now you’re here. The long-awaited reward you spent a lifetime looking forward to. But what now? After years of growing a nest egg, now you may want to manage it, use it to fund your dreams. Make it last as long as you need it,…

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CLICK HERE FOR A FREE 20 MINUTE VISIT Remember when life was simpler? When things didn’t move quite so fast, and the world didn’t seem so complex? Remember that? We do. And as the world around us has continued to speed up, becoming more complicated, and still a bit uncertain, we have managed to keep…

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The federal minimum wage is set at $7.25 an hour, a rate that has not increased in more than 10 years, not even to keep pace with the cost of living. Even so, the national average minimum wage is $11.80, but only because some states have increased their minimum floor.1 In 2020, another 24 states…

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Within the scope of an investment portfolio, the commonplace 401(k) may seem to be a simplistic account. But it’s not, especially when it comes to estate and legacy planning. The named beneficiary on the plan will inherit your 401(k) regardless of your will’s instructions. And from there, a spectrum of various choices emerge based on…

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There are several factors contributing to the current housing shortage in the U.S. For starters, low inventory of existing homes for sale has driven up the prices of available housing, leaving many first- and second-time homebuyers unable to afford to buy or trade up. Housing permits for new construction have risen throughout the past couple…

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