Market Commentary: Sentiment Shakey but Bull Market Still Intact
Some Worries We Have The S&P 500 is less than 0.1% away from new highs and up 4% on the year, on the heels of gaining 25% last year and in 2023. Yes, things have been very good for investors and fortunately we’ve been in the camp for more than two years now that we …
Facts Vs Feelings Take 5 – Worries We Have
In this episode of Carson’s Take Five, Ryan and Sonu dive into the latest market trends and economic worries. While we remain bullish, there are always concerns to watch. This week, we discuss: Inflation Data: Is the Fed overreacting? February Market Trends: Historically a weak month—what d …
Your Money
MoreTax Planning Checklist
Each year it is important to review your plan to ensure you are taking advantage of all the tax breaks and incentives available to you. Annual inflation adjustments and new laws create opportunities to save for retirement or reduce your tax bill. To help you make the best decisions regardin …
Your 2025 Tax Update: What’s Changing for Your Money
Every year brings changes in tax rules, and 2025 is no exception. Whether you are saving for retirement, running a business, or planning for your family’s future, these updates could affect your financial decisions throughout the year. While some changes simply adjust for inflation, o …
Mastering Financial Planning with the Bucketing Approach
When it comes to managing your wealth and pursuing your financial goals, clarity can be key. Enter bucketing, a powerful strategy that helps simplify your financial planning by categorizing your assets into three time-based buckets: today, tomorrow, and the future.
2025 Calendar: Key Tasks & Financial Dates
Tackle 2025 with this month-by-month financial task list. We’ve also included important dates so you won’t miss any key deadlines.
Your Business
MoreGrow your practice with JOYful money conversations
During this upcoming webinar award-winning financial advisor Larry Sprung, CFP®, will reveal how JOY-focused and positive money conversations have transformed his business, sparked a movement, and created a powerful framework to help financial advisors like you grow your practice. Retiremen …
Life Insurance Strategies for Business Owners
Owning a business can be like parenting. You’ve likely experienced many sleepless nights and spent a countless amount of energy on your “baby.” Like parenting, being a business owner can be an enriching journey and make life worth the trip.
From Tax Efficiency to Retirement: Financial Planning for Small Business Owners
Financial planning for a small business gets more complicated every day. Business owners must navigate tax efficiency (and life under the new Tax Cuts and Jobs Act), retirement preparations for yourself and your employees, and succession planning. Get your financial plan in place today and …
Business Succession Planning Checklist
You remember your first day of business. But what about your last day? Succession planning is more complex than it may seem. Our guide walks you through the details.
Your Retirement
MoreUnderstanding Long-Term Care Planning: What You Need to Know
As we age, the prospect of needing assistance with daily activities becomes more likely. Planning for long-term care (LTC) ensures that you or your loved ones will have access to the support needed, while avoiding financial strain. Below, we’ll explore some common questions about long-term …
Long-Term Care
Our goal is to make your life easier. Caring for a loved one with Alzheimer’s or dementia can be highly stressful for caregivers and family members. Providing answers on how to financially prepare for these conditions is one way we can help. Read this guide for tips on how to prepare for th …
5 Reasons to Think About Long-Term Care Planning Today
I once received an email from a family friend about long-term care insurance. He was frustrated over a premium increase – which wasn’t the first rate hike – yet, he was still thankful for the policy. Despite the rising cost, he knew the importance of long-term care insurance in helping prot …
Medicare and Managing Health Care Costs in Retirement
Health care costs in retirement aren't going anywhere. Naturally, as our bodies get older, it costs more to keep them running. Let's look at how that plays a part in your financial plan.
Your Legacy
MoreHow to Make Charitable Giving Part of Your Financial Plan
COVID-19 caused an economic shockwave that we’ll feel for a long time. Nonprofits, from large global networks to the local churches, have been hit hard, too. In a recent survey of 110 nonprofits, 80% of them said revenue had fallen across the board.
Multigenerational Family Wealth Guide
Successfully creating and managing multigenerational wealth is about more than simply acquiring money to pass down to future generations. It’s also about passing down your family values so you’re loved ones can use the wealth they inherit in a way that helps them find JOY in the …
How a Donor-Advised Fund Can Help Your Charitable Giving
Giving is an important part of our society for many. It can provide us the opportunity to support causes we believe in and make a positive impact. Keep in mind, giving isn’t always about donating money. It can also include volunteering time or donating goods and resources. Here are some exa …
A Guide to Gifting to Your Heirs
Gifting to your loved ones now or posthumously each carries their own positives and negatives as they relate to your estate plan, taxes, your goals and your legacy.
Your Freedom
MoreCompounding Wealth (and Wisdom): The Power of Compound Interest
No single strategy works forever, but you also don’t want to change your approach every time the markets shift slightly. How does investing work – not just for a season or a year or two, but for a lifetime? Time is a major factor when it comes to successful investing.
Start Your Year Planning for JOY (and Avoiding Mistakes)
You deserve to maximize the JOY in your life and one way to make that happen is by avoiding the common mistakes that can throw you off track and steal those JOYful moments. Let’s make 2025 your year of purposeful action — where you take intentional steps to sidestep frustrating pitfalls.
How to Make Charitable Giving Part of Your Financial Plan
COVID-19 caused an economic shockwave that we’ll feel for a long time. Nonprofits, from large global networks to the local churches, have been hit hard, too. In a recent survey of 110 nonprofits, 80% of them said revenue had fallen across the board.
When Shifting Goals Mean Shifting Plans
Your financial plan shouldn't look the same at 55 as it did when you were 35, right? So how do you know when it's time to adjust your plan?
Market & Investments
MoreMarket Commentary: Sentiment Shakey but Bull Market Still Intact
Some Worries We Have The S&P 500 is less than 0.1% away from new highs and up 4% on the year, on the heels of gaining 25% last year and in 2023. Yes, things have been very good for investors and fortunately we’ve been in the camp for more than two years now that we …
Facts Vs Feelings Take 5 – Worries We Have
In this episode of Carson’s Take Five, Ryan and Sonu dive into the latest market trends and economic worries. While we remain bullish, there are always concerns to watch. This week, we discuss: Inflation Data: Is the Fed overreacting? February Market Trends: Historically a weak month—what d …
Market Commentary: Tariffs Still the Talk of the Town
Stocks had another late week sell-off last week over continued concerns over more tariffs, but all in all, should we be surprised by this recent volatility? We know tariffs are top of mind, so we will dive into that this week, but a few quick comments on markets in general first.
2025 Market Outlook Report
The economy had a big year in 2024, avoiding a recession while posting strong job numbers and a soaring stock market. But the new year brings new concerns. What impact could we see from tariffs? How long do we think this bull market will continue? What will the Fed do in 2025?
In the News
MoreLawrence Sprung selected as a Founding Member of the Investopedia Advisor Council
While serving our clients is undoubtedly one of our greatest JOYs, once in a while something happens that simply makes our JOY overflow We are overJOYed to share that our Founder and Wealth Advisor, Lawrence Sprung, CFP® has been selected as a Founding Member of the Investopedia Advisor Cou …
Lawrence Sprung Joins Forbes Advisory Board: Empowering Financial Education
We are overJOYed to announce that our Founder and Wealth Advisor, Larry Sprung, has been appointed as a member of the Forbes Advisor Banking Advisory Board.
Op-ed: Here’s the financial impact of the NCAA permitting college athletes to profit off their name, image and likeness
Student athletes and their parents have likely heard that the NCAA has opened the door to allow collegiate athletes the ability to profit off their name, image and likeness.