Welcome to our blog! I look forward to on a timely basis to provide you various items of what is on my mind. From strategies to enhance your own financial plan to ways to keep your retirement on track. We are also going to keep it light so maybe I will put out there a great restaurant review, to a great vacation spot I find. Your going to have to check periodically, because I plan on keeping it fun, and keep you off balance with humor, fun and useful ideas on wealth management. All great things you can share with friends and family. Hey your friends person might have a great investment, but aren't people really interested in that great bargain or hot new restaurant in town - told you we will keep it fun. So stay tuned!
Thursday, June 17, 2021
It’s generally thought that there are several cycles that reflect where a business is in preparedness for a sale. These capture the economy, the market, and the mindset and planning of the business owners. From an economic...
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It’s not about how much money you have to pass on to your kids – it’s about passing on money-smarts. Teaching your kids sound financial knowledge can help them make smart financial decisions now, and in the future....
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Monday, April 19, 2021
One of the most valuable pieces of an executive compensation plan, particularly for a small business owner or professional practice, is a cash balance plan. It allows the executive to benefit as both employer and employee and has...
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March Recap and April Outlook The American Recovery Act, President Biden’s $1.9 trillion stimulus, went into effect and both the economy and the market exhaled. The recovery has now fully recovered. The Fed expects the economy to...
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Thursday, April 1, 2021
Retirement is one of the biggest transitions of life, and it naturally brings up a lot of questions. For many people, the most pressing is whether existing savings will be enough to provide the life they want, for the entire length of...
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Thursday, April 1, 2021
The IRS has given everyone an extra month to file this year, which is helpful in dealing with the tax changes from the CARES Act. However, with another stimulus law in the rearview and infrastructure legislation already humming along,...
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Thursday, March 25, 2021
The $1.9 trillion American Rescue Plan is now law, and deployment has already begun. There was seemingly something for everyone in the plan – both big businesses and small, consumers across a large part of the income spectrum,...
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Monday, January 25, 2021
With government spending at unprecedented levels, one does not have to be an expert as to where taxes are going in the future. History also serves as an indicator to support higher future taxes. From the end of World War II until 1961,...
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Monday, November 16, 2020
2020 is winding down and saying it has been a crazy year is an understatement. Equity markets have had a roll-coaster year with lots of volatility, but through the craziness they are positive for the year. Low interest rates have...
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Tuesday, August 11, 2020
Being a high net worth individual typically comes with a price. Does it mean being we have to be in a high tax bracket when we retire? What you do for a living before retirement can make a huge difference in how much you tax you pay....
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Friday, July 10, 2020
Usually I reserve commentary like this for a January blog, as the holiday is over a New Year begins. Here we are on the other side of The 4th of July and for some we are still looking to begin our year renew our resolutions. This month...
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No Goals! We all want to retire rich and enjoy a comfortable retirement, but that goal is just not specific enough. There is a difference between a dream and a goal. A goal is a dream, but with a dealing. To achieve your goal you must,...
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Monday, April 27, 2020
Many people ask, what kind of vehicles can they invest for retirement beyond just putting money into their IRA or 401K Plan. We look at that question with the premise that you have a strong foundation of liquid savings. I am also going...
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Tuesday, March 31, 2020
All of us have been affected in some way or another as a result of the Coronavirus Crisis. Not only has it been an eye opener for all of us, it has brought the importance of planning to the forefront. Despite what one's political views...
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Monday, March 2, 2020
If you are getting ready to change jobs or may have already done so, there is something you should think about. That something is your old 401k plan and what to do with it. It doesn’t matter if you changed jobs ten years ago and...
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Thursday, January 16, 2020
Do you have a strategic plan for where you want to take your business and how you’re going to get there, or are you just putting out fires and taking it day-by-day? At Diversified Investment Strategies, we believe your business...
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Monday, January 6, 2020
I remember one day, years ago, my husband telling me that he was getting life insurance. My response was an eye-roll and a simple “nothing is going to happen to you.” Why would anyone think that their perfectly healthy...
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Friday, December 13, 2019
What financial challenges do you face right now? Maybe it’s balancing saving for the future and paying off debt. Or possibly growing a business while also providing for your family. Or maybe you know you need to prepare for...
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Wednesday, November 13, 2019
Sometimes a career journey is full of twists and turns, and sometimes you just know the right path to take. I fall into the second category. I realized early on that there’s not much in life that induces more feelings of anxiety...
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We can all almost say money is always on our minds…how much do I have in my account? Am I able to afford that? Do I simply enough? Being aware of your financial health is important. Studies reveal Americans could be saving more with...
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Many people may think life insurance is just another unnecessary expense without realizing its purpose and benefits. The question to ask yourself is would someone in your life suffer financial hardships if you were to pass away? If the...
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It’s never too early nor too late to start thinking about retirement and planning for one. It takes careful planning for your money to last a lifetime. Here are simple action steps you can take today to start preparing for your golden...
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Many Americans significantly underestimate the impact that a loved one’s long term care needs could have on their own lives, marriages, work, and not to mention their finances. As a matter of fact, 57% of caregivers surveyed tapped...
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Oftentimes we tend to be unrealistic when it comes to planning how much we can achieve and how long it will take, especially when it comes to setting money goals. A general rule to reaching your financial goals is to establish a plan...
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For many, our children’s high school graduation is just around the corner and then they’re off to college. And we ask ourselves–where did the years go by? Besides seeing an empty nest, parents are also seeing empty pockets; thus,...
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Estate planning is something that’s never easy to do or even to begin thinking about for that matter. But it can help give you comfort knowing your estate and loved ones are protected after your death. Avoid missteps and get your...
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Today, women are providing more financial value to their household than ever before. Studies show 51% of women are responsible for household finances while 37% reported to be the primary breadwinner of their family (compared to 31% in...
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Wednesday, March 27, 2019
Seniors can benefit from many discounts and offers; however, taxes aren’t one of them. Retirees will be shocked to find that much of their income is, in fact, subject to taxes. Here are a few that you can expect to face in...
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Wednesday, March 20, 2019
When it comes to annuities, misinformation surrounds them. To help you make a sound decision on whether or not an annuity is right for you, here’s the truth behind some of the most common misconceptions:They’re only for retirees. While...
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When it comes to retirement, both men and women face many risks. However, women are faced with greater financial obstacles:Living longer. It’s a known fact that women enjoy a longer lifespan than their male counterparts. As a matter of...
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For many of us, we look forward to this time of year where we can expect some extra money in our pockets. The sooner we file, the sooner we can receive our tax refund. And you can do so by filing electronically, requesting your refund...
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Many of us look forward to our golden days, the days where we can simply kick back, relax, and do a lot more things we didn’t have time for during our days of labor. How comfortable and secure your retirement will be depends on how...
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Running out of money in retirement is a worry for many people. In fact, 55% of baby boomers and 57% of Generation X expressed outliving their savings is one of their greatest fears. 47% of millennials also have similar concerns.1...
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Making the decision to place your spouse, partner, or family member in long-term care (LTC) might be one of the hardest decisions in your life. Nobody wants to think about putting their loved ones in assisted care. For many, it is a...
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Filing season for the 2018 tax year is officially underway. To help you stay organized as you prepare to file, use the checklist below to gather all the forms and documents you’ll need.1Identification for You and Your SpouseFull...
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Nearly 50 percent of Americans aren’t prepared for retirement.1 However, there’s still time to catch up. Here’s some insight on how you can better position yourself for securing a happy retirement:Pay off large debts. By focusing on...
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It’s January of the New Year and other than starting fresh and enduring frigid temperatures, tax season has arrived. Below are some of the 2018 tax deduction changes you should know when filing in 2019.1Medical and dental expenses. You...
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Have a life insurance policy? That’s great! If you don’t, well, you may want to reconsider. But what are some of the features that a life insurance policy should have built-in to it? There are a lot of different options, but here are...
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Thursday, April 19, 2018
Life insurance is one of those things that many people prefer to avoid thinking about because it often conjures up dark images. While we all know that our end will come, it may be difficult to realistically imagine that time. Many...
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Thursday, April 19, 2018
Financial independence is a goal that many people have in life. Working for decades is hard enough, but many people end up making mistakes financially once they retire. Over time, the decisions that you make leading up to the point...
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Thursday, April 19, 2018
One of the most significant problems with most people’s retirement plans is that they do not account for changes in spending levels over the years. Most retirees will likely plan for inflationary adjustments, but is it really...
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Thursday, April 19, 2018
It began in December 2015, the Federal Reserve started a policy of raising interest rates to more common historical levels. This was the first rate increase since 2006, and there have been additional hikes in the months since. While...
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Thursday, April 19, 2018
These days, more and more people are putting off retiring by the time they reach 65. Instead, these Baby Boomers are opting to continue working until they are a bit older, usually by the time they reach 70. There are a variety of...
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Thursday, April 19, 2018
When it comes to retiring, experts are pretty unanimous, Americans are not as prepared as they should be. There are many smalls steps that people need to take to have the lives that they want in their golden years. These steps also...
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New Year. The time to make resolutions. I am going to go on a diet. I am going to start a workout routine. I am going to start a skin care regimen. I am going to get a new job. I am going to fix up my house. I am going to take better...
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There are plenty of baseball sayings you can relate to investing -- keep your eye on the ball, step up to the plate, don't let the fear of striking out keep you from playing the game - but there's a great lesson baseball can teach us...
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