Hey Gen X! Life has come at you pretty fast!

Laurie Kramer, CFP®
When I stop to think about it, I find it amazing that most of my friends and family (and myself!) are getting within striking distance of retirement. It doesn’t seem that long ago that I started my career in this industry
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I Owe How Much?

By Kristan Anderson, CEBS®, CIMA® | Dir. Of Retirement Plan Services & Dir. Of Financial Planning
For the past few years, we relied on my husband’s start-up business losses as a “saucepreneur” to offset any tax payment shortages throughout the year. In 2021, that strategy failed, for a number of reasons. It never occurred to me that we would have any issue with underpaying our taxes.
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Back to the Basics

By Abby Just | Senior Portfolio Manager
On the first Sunday in May, Waitara and I competed in our first horse show of the season at Turner Farm in Great Falls. It rained. It was cold. We had fun, mostly. Dressage is a bit like portfolio management, part art and part science.
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What Got Me Interested in Bitcoin

By Kristan Anderson, CEBS®, CFP® | Dir. of Retirement Plan Services & Dir. of Financial Planning
I recently attended a Fidelity sponsored webinar in which they presented their new whitepaper on bitcoin. In general, I’m skeptical of digital assets such as bitcoin and other digital currencies, as well as Non-fungible tokens (NFTs) and the like.
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Pets: They are an Investment

By Rasti Nikolic, FPQP® | Associate Financial Planner
We Americans love our pets and are spending more and more money on their care and wellbeing. Based on the May 2021 ASPCA1 survey, 23 million American households acquired a pet during the COVID-19 pandemic. Concerns about potential challenges of pet ownership as people’s lives return to normal, post-pandemic have not yet reached a critical level, according to the survey.
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Need more space? One family’s journey to their dream home…

By R. Jonathan Stolz, CFA | Portfolio Manager
There are many reasons to look for a larger home – feeling cramped in your current space, family changes (marriage, kids, family moving in), increased work from home, and desire to spend more time with loved ones. My lovely wife and I, and our 5 kids, had several of these squarely on our minds when we started our home upgrade journey in 2019.
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Sharing is Caring

By Kristan L. Anderson, CEBS®, CFP® | Director of Financial Planning and Retirement Plan Services
Our parent company is big on community involvement. There is a whole Season of Sharing campaign, supporting multiple causes with donations of cash and goods. While it is always nice to give to a good cause, sometimes we forget that giving our time is another viable option that is just as important to a lot of charities.
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Prioritize Savings Now

By Kristan L. Anderson, CEBS®, CFP®, Dir. Of Retirement Plan Services & Dir. Of Financial Planning and Rasti Nikolic, Associate Financial Planner
When we meet with retirement plan participants, an almost universal recommendation is to try to increase savings each year by one percent. But in order to get to that extra one percent, you have to be maintaining a positive cash flow. And the best way to establish and maintain savings is to prepare a budget.
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