Financial Planning
What’s in your pack?
By Mark Zembo, Wealth Management Advisor My youngest son is a cadet in the local Civil Air Patrol squadron. For him, the program is living up to its promise. He’s learning to fly, lead, hike, camp and how to push his physical and mental limits. Just recently, he was promoted to staff sergeant of his…
Read MoreYour financial base camp
By Mark Zembo, Wealth Management Advisor When I was in sixth grade, something extraordinary happened — something you don’t often hear about these days. Our entire class went on an overnight camping trip — not to a local museum or landmark, but to a real camp. We had cabins, canoes, archery lessons, trails to explore…
Read MoreSwim at your own risk: Why financial guidance matters
By Mark Zembo, Wealth Management Advisor “No Lifeguard on Duty – Swim at Your Own Risk.” Ever see a sign like that? From time to time, I’ve noticed this warning. I first learned to swim at a local lake when I was young. I picked up the basics from a teenager who I believe was…
Read MoreTime to follow a detour?
By Mark Zembo, Wealth Management Advisor Like many people I know, I’m a creature of habit. I tend to rely on routines and rituals that bring a sense of inner peace—a feeling that my world is in sync and I’m “put together.” Whether it’s brushing and flossing my teeth or driving the same route to…
Read MoreYear-End Financial Planning Opportunities
As the end of the year approaches, we want to help you spot planning opportunities that are time-sensitive. Perhaps you… Are considering making year-end gifts to charitable organizations or family members, and need to determine your optimal funding strategy; Are looking to reduce your income tax liability this year, and are seeking loss harvesting and…
Read MoreThree types of retirement and how to plan for each
There used to be a singular notion of retirement: Walk away from your career one day and begin a life of leisure the next. You never envision working another day in your life. When planning for the retirement date circled on your calendar, you saved as much as you could for decades to ensure that…
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