Should My Investment Allocation Become More Conservative in Retirement?

Written by: Harmony Wagner, CFP® Retirement is one of the biggest financial transitions for many people, and one that often leaves people wondering if they should become more conservative with their investment allocation. Going through this type of significant life transition can make people feel like they must make a major corresponding adjustment in their…

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3 Reasons Why You Should Consider a Roth Conversion

Written by: Nicole Gobel, CPA – Wealth Advisor & Tax Planner As seen in The Saratogian At least twice a week, I have a client who asks me whether a Roth conversion is something they should consider in their financial planning. This is also a topic that I often bring up in conversations with clients. …

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2022 Social Security Benefit Increase

Written by: Vincenzo Testa, CPA As seen in the Saratogian The Social Security Act was signed into law by President Roosevelt on August 14, 1935. It was created as a safety net for elderly, unemployed and Americans who are at a disadvantage. When an American worker receives a paycheck on their earned income, they pay…

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Inflation: Why is this such a big deal and how does it affect me?

Inflation is a term that has been dominating the financial news in recent months, and as investors, it is important to understand what the term inflation means and how it affects our investments. Key Takeaways: Understanding inflation and its causes Central Bank responses to support economic growth have increased inflationary pressures How inflation can affect…

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Protecting Your Business from Cybercrime

Written by: Harmony Wagner, CFP® and Samantha Masey It’s not just billion-dollar corporations that are at risk for cybercrime. Businesses of all sizes and industries are at risk, and once a breach occurs, it can be detrimental, particularly to small businesses. Once a breach occurs, the costs incurred by the affected business may include financial…

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