This guide, prepared by HTG advisor Sonya Ziolkowski, CFP®, provides a comprehensive overview of Roth conversions and the considerations involved in determining whether one is appropriate for your goals and circumstances. The Roth IRA is...
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In Part 1: Key Considerations for Long-term Care, we explored some of the data surrounding long-term care (LTC) and the factors that might contribute to greater likelihood of needing care. In this blog, we take...
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The winding down of the pandemic has brought a flurry of wedding activity. Aside from determining living arrangements, newlyweds often start contemplating the merger of their financial lives following all the wedding festivities. In my...
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While death is inevitable, we are rarely prepared for the grief and sense of loss we experience when a loved one dies. While trying to process the death emotionally, we can be overwhelmed by the...
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The concept of home ownership seems to be entrenched in the psyche of Americans, and most people consider owning a home as one of the best ways to accumulate wealth. Moreover, for most Americans, housing...
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Recently we have been receiving more calls from prospects indicating they are looking for a fee-only advisor. This is good news for us and great news for consumers, as it shows that the public is...
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Over the past several decades, American football has eclipsed baseball as the most popular sport in terms of viewership. The secret to a successful football team is often a great quarterback and these talented players...
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Couples or single parents fortunate enough to have saved more than they need during their lifetimes face the decision of who gets the rest. Giving kids too much too soon risks emotional harm. Never telling...
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The best way to get things done is to simply begin. My brother died unexpectedly at the age of 63. While his health wasn’t great, his passing caught us off guard. We were sure he...
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Families are required to complete the FAFSA to be eligible for financial aid in the form of grants or loans from the government, colleges, and graduate schools. Many families assume, based on their family income...
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