By Ed McClure, CFP® Emotions are like a roller coaster. Our financial ups and downs can send us on an emotional ride—but should they really be in the driver’s seat? Try as we might, it’s tough to keep emotions out of our financial view. Why? Our money habits are set early in life. Take someon...
Get Covered: Insurance at Every Life Stage
By Ed McClure, CFP® We’re all aware of the importance of insurance and how it offers protection. And we all have different types for different needs: home, auto, health, life, and more. But did you realize that different life stages call for different levels of coverage? Read the following guide ...
Is Debt Ever Healthy? How to Tell the Difference Between Good and Bad Debt
By Ed McClure, CFP®, PPC® While the word “debt” often carries a negative meaning, don’t be misled by its reputation. Undoubtedly, there are risks to taking on debt, but looking at the flip side may reveal a powerful tool for advancing toward your goals. At its core, debt is an obligation to ...
Why 30 and 40-Year-Olds Need to Care About Investing & Retirement Income
By Ed McClure, CFP®, PPC® When you think about where you want to be in 20 years, many 30 and 40-year-olds will discuss their goals for financial independence or reaching their ideal retirement. Yet there is often a gap between experiencing financial security and taking the right steps early on to ...
What Business Owners Can Do With Their Cash
By Ed McClure, CFP®, PPC® Running a business is hard. You have to offer a valuable service, ensure your clients are happy, manage employees and vendors, and handle all financial and legal matters that arise. You also have to prepare for the unexpected. Most savvy business owners know that there wi...
Business Owners: How to Design Your Company’s 401(k) Plan Features
By Ed McClure, CFP®, PPC® If your company offers a 401(k) plan to its employees, you may not realize how many options you have that can benefit your personal retirement as the owner. I often work with companies that have had 401(k) plans in place for years, never realizing how many levers they cou...
Retirement Options for Self-Employed Individuals
By Ed McClure, CFP®, PPC® Retirement is inherently more complex if you are self-employed, simply because business owners have to consider a great number of options and scenarios. For any individual company, there are usually multiple options that will technically work, but only one ideal solution....
What Every California Business Needs to Know About the CalSavers Program
By Ed McClure, CFP®, PPC® The state of California has mandated that all employers with five or more employees implement retirement plans by June 30, 2022. The state has also provided a vehicle, the CalSavers Program, to give employers an easy option to satisfy the mandate without taking on fiducia...
How to have a healthy attitude with your finances
Just like the body thrives on health, so does your life on financial wellness. With that in mind, here are some tips we compiled for you to keep a healthy relationship with your finances....
The 8 Roles of a Financial Advisor
Financial Advisors are guardians of financial wellness and have a vested interest in seeing your retirement savings grow. Read more...