Deciding who inherits your assets is one of the most critical steps in estate planning. Beyond naming primary beneficiaries, choosing contingent beneficiaries ensures your wishes are honored even when circumstances change unexpectedly. This guide explains the difference between primary and contingent beneficiaries, who you can name, common mistakes to avoid, and how to keep your
Primary vs Contingent Beneficiary: Complete Guide Read More »
There are two main tax considerations when you invest in a mutual fund: How the investments within the fund are taxed and the taxes incurred when you exit the fund (sell your shares). Taxes on the Investments within a Mutual Fund When you sell an investment, any profits count as capital gains and are subject
How Are Mutual Funds Taxed? Read More »
Understanding the difference between top-down investing and bottom-up investing can help you make better decisions about your portfolio. Often, financial advisors use a combination of the two in an attempt to harness the benefits of both approaches. What is Top-Down Investing? Understanding the Macro Approach With top-down investing, you start by looking at the state
Top-Down Investing Vs. Bottom-Up Investing Read More »
Floating rate funds invest in debt securities whose interest payments reset as reference rates change. In 2026, that matters because short-term rates are no longer in the same rate-hiking setup that made floating-rate income feel simple to explain. The Federal Reserve’s target range was 3.50% to 3.75% on June 16, 2026, and FRED listed the
Floating Rate Funds in 2026: Benefits, Risks, and Alternatives Read More »
A decline in your credit score can be disheartening, especially since a great credit score often takes years to build. Understanding why your credit score may have dropped can help you make changes to boost your credit score going forward. Let’s go over what your credit score is, how it’s calculated, and what you can
Why Did My Credit Score Drop? Read More »
Deciding whether to hire a tax preparer depends on your financial complexity, income sources, and comfort with tax regulations. While DIY tax software works for simple returns, professional tax help—whether from a CPA, enrolled agent, or certified tax preparer—can save you money and reduce audit risk if you own a business, have multiple income streams,
Tax Preparation: When to Hire a Tax Preparer Read More »
Understanding social security taxes by state is one of the most important steps in building a retirement income plan. In 2026, only eight states still tax Social Security benefits – and knowing which ones can save retirees thousands of dollars annually. This guide covers every state’s current rules, the new federal senior deduction, and a
Social Security Taxes by State: 2026 Complete Guide Read More »
Form CRS is designed to help you clearly understand the nature and cost of services you receive from your financial professional
What Is a Form CRS? Read More »
One major decision for ExxonMobil households is whether to take their pension lump sum or pension annuity and determining their pension benefits commencement date.
ExxonMobil Pension Timing: Lump Sum vs Annuity Decision Read More »
If the only certainties in life are death and taxes, the only certainty about adulthood is paperwork. Each year, Americans receive some combination of W2s, 1099s, and more…all to file a Form 1040 with the IRS. And that’s just taxes. Most folks have financial records that extend far beyond tax forms. Since these documents often
Financial Records: How Long Should You Keep Documents? Read More »
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