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Fear. The oldest and strongest emotion of mankind is fear, and the oldest and strongest kind of fear is fear of the unknown. H.P. Lovecraft PC - @alexagorn

“Dear IRS, I am writing to you to cancel my subscription. Please remove my name from your mailing list.” – Snoopy

Transitions can be scary, confusing, and uncomfortable; we work with our clients to build a strategy to look at what our clients lose by retiring, what they gain by retiring, and what will be unchanged. We look at all of the elements of cash flow; looking at the variation of the income and asking – what comes from social security? Pension Plans? Assets that you’ve accrued over your lifetime? (i.e. 401(k) and nonqualified assets) Investment properties?

I started my career 15 years ago. Summertime is always a time for reflection as many of my clients are vacationing, so my schedule lightens up. In that refection it has always been hard for me to figure out the why; why I help clients and why I work as hard as I do. I recently I figured this out and I wanted to share my discovery with you.

In my thirteen years of financial planning I have seen all different types of client situations and no two scenarios have been the same. There may be commonalities among clients but each client's financial situation varies. There is one common question I have often heard from prospective clients over the years How is my financial situation compared to other people like me? The majority of the people I meet with are doing great compared to their peers.

People have myriad of reasons for having multiple accounts and account types, be it psychological or financial. This article will discuss why consolidating or reducing accounts may be beneficial to your financial health. We will explore some of the reasons why people have too many accounts, the problems that can arise in having them, and lastly, we will look at the potential benefits of account consolidation.

I have it all done; is a statement that I have heard multiple times over the years when I ask people about their long-term financial plan. I respond with, how do you know? This month, I will be continuing the six-part series where we explore this dialogue. I will reiterate that you must have your strategy tested with a real-life scenario to know for certain that you have it all done.

I have it all done; is a statement that I have heard multiple times over the years when I ask people about their long-term financial plan. I respond with, how do you know? This month, I will be continuing the six-part series where we explore this dialogue. I will reiterate that you must have your strategy tested with a real-life scenario to know for certain that you have it all done.

I have it all done; is a statement that I have heard multiple times over the years when I ask people about their long-term financial plan. I respond with, how do you know? This month, I will be continuing the six-part series where we explore this dialogue. I will reiterate that you must have your strategy tested with a real-life scenario to know for certain that you have it all done.

I have it all done; is a statement that I have heard multiple times over the years when I ask people about their long-term financial plan. I respond with, how do you know? This month, I will be continuing the six-part series where we explore this dialogue. I will reiterate that you must have your strategy tested with a real-life scenario to know for certain that you have it all done.

I have it all done; is a statement that I have heard multiple times over the years when I ask people about their long-term financial plan. I respond with, how do you know? This month, I will be continuing the six-part series where we explore this dialogue. I will reiterate that you must have your strategy tested with a real-life scenario to know for certain that you have it all done.

I have it all done; is a statement that I have heard multiple times over the years when I ask people about their long-term financial plan. I respond with, how do you know? This month, I will be continuing the six-part series where we explore this dialogue. I will reiterate that you must have your strategy tested with a real-life scenario to know for certain that you have it all done.

The Tax Cuts and Jobs Act of 2017 has brought many changes to the tax law that are highly likely to affect your individual situation. I would like highlight and review a few of the tax changes that as a Financial Advisor, I believe may be the most impactful for individuals and business owners. Please note that these are just a few of the changes for 2018 and laws are subject to change. You should always consult with your accounting professional to get up to date information regarding your specif

At Spectrum Wealth Partners, we focus our energy on what we call the Family Legacy Pyramid.  This pyramid focuses on three main elements: Is our Community Ok?Charitable Desires: Civic, Religious, Community Groups Is our Family Ok?Estate Planning, Estate/Asset protection, Business Succession, Exit Planning , 529 Plans Are We Ok?Retirement Income, Long Term Care, Asset preservation, Spousal Income Needs, Sickness & Injury, Income Taxes, Property & Casualty In this

Many people own Permanent life insurance policies and/or Term life insurance policies.  While there are many differentiating factors associated with both, I want to share a couple of common themes with you. Term Life Insurance Most people avoid buying insurance because they are worried about the cost.  However, Term life insurance is fairly inexpensive, and for most young families, this type of insurance is an easy way to solve survivor income needs.  For some people, a

When it comes to long-term care, there are multiple questions that many people don’t have the answers to. Let’s start with the basics like what is long-term care?  What qualifies you to go on claim or get care when you have an insurance or a long-term care event?  Also, what type of long-term care policies are out there and when does it make sense to have the coverage and when does it not make sense to have the coverage?  I will explore these questions and your options