Some of you may be wondering what financial guidance to provide your children who are graduating college or starting their working careers. I use the information below for personal reference and I thought you might find it useful. I pay attention to my budget and organize my money by waterfalling it into different “buckets”
You might know the benefits of a home equity line of credit, but many homeowners don’t know about the pitfalls to avoid. Modera’s own Chief Investment Officer, George Padula, shares insights on some of the pros and cons of a HELOC in this article by Robert Powell of TheStreet.
What will the huge stimulus act, which President Joe Biden signed into law last week, mean for individuals, markets and the economy? George Padula shares his views.
Environmental, social, and governance (ESG) investing has seen significant attention and growth. In this article, we will provide an overview of ESG and delve into the investing considerations.
Do you have an exit strategy for your business or career? Whether you are a corporate executive or a business owner, there will come a time when you want, or need, to transition to the next phase of life. Done in advance, this can be an optimistic process, it should define how YOU want to exit. As the plan develops, there will be reality checks and alternative paths to consider, but at this point it should be a framework of how you want the future to look.
The IRS has left employee contribution limits unchanged from 2020 for 401(k) and other retirement plans. Why revisit if the limits haven’t changed?
As financial planners we are often asked, “Will I be OK in retirement?” The checklist below illustrates different items to think about as retirement approaches, from ten years before to right after retirement begins. The earlier one starts planning for retirement, the more prepared one should be not only financially, but also emotionally.
With costs skyrocketing and employees paying more and more, the advent of high-deductible health care (HDHC) plans and health savings accounts (HSAs) has become a story worth blogging about.
Across the country, people have found themselves in changing circumstances, re-evaluating their goals and having to update their financial plans as a result of the pandemic – myself included.
This document explains what it means to freeze your credit, details the process of doing so, and answers some frequently asked questions.