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What’s on our mind? You can read about it in our blog. Whether it’s ideas from the industry or emerging trends, you can read about it here. And once in a while, we may throw in a movie review or some other surprise. So keep checking in. We’re glad to have you reading along.

Wednesday, January 24, 2024

Weekly Recap January 15-19, 2024 Recap S&P 500 Reaches New Record High A Notable Winning WeekAll three major U.S. equity indices finished positive in 11 of the past 12 weeks. Moreover, in a new milestone, the S&P 500 closed at a new...

Wednesday, December 27, 2023

The Internal Revenue Service recently released updated income tax brackets, standard deduction, and retirement contribution limits for the 2024 tax year. While these taxes are not due for some time, it may benefit you to start...

Wednesday, November 29, 2023

At some point in their lives, most people will need some long-term care whether that's at an assisted living community or at-home medical care. When preparing for this future, it can be hard to know where to start. And preparing for...

Wednesday, October 25, 2023

A health savings account (HSA) is more than a way to pay for certain medical costs. It can be a tax-free vehicle for boosting your income for a financially rewarding retirement. Learn more about saving for medical expenses, and beyond...

Wednesday, September 27, 2023

It’s time for your life insurance checkup. September is National Life Insurance Awareness Month, so it’s a great time to review your coverage.1 If you don’t have any life insurance, you’re not alone. Life...

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Wednesday, August 30, 2023

Most Common Employee BenefitsIf you just started a new job or are preparing for life changes, it’s important to check in on your employee benefits. But what do “employee benefits” include? There are three overarching...

Wednesday, July 26, 2023

Chances are your employer provides varying benefit plan incentives designed to help you save for retirement. All employer retirement plans fit into two main categories: qualified retirement plans and non-qualified retirement plans. We...

Wednesday, June 28, 2023

Fluctuations in the stock market are inevitable, as national and global circumstances are constantly changing. The only thing you can control is your reaction, and how informed you are about trends in the market.What is a Bull Market?A...

Wednesday, May 31, 2023

Planning your retirement income distribution requires a multi-step strategy and budget for all of your income and spending expectations in retirement. For the most accurate plan that best reflects your financial circumstances, start...

Wednesday, April 26, 2023

What Should You Do With Your 401(k) When You Change Jobs?If you are moving to a new job, don’t forget about your 401(k) with your former employer. It’s important to know your options and make the most advantageous decision...

Wednesday, March 29, 2023

The financial situation you were in thirty years ago is far different from the financial situation you’re in now. You likely have different concerns and priorities. In this email, we’ve prepared a few considerations for...

Wednesday, February 22, 2023

Try these 5 strategies to gain financial health.Being financially healthy looks different for everyone and every life stage. But what almost everyone can agree on are the benefits of creating positive habits to improve the health of...

Wednesday, January 25, 2023

We have all heard bad financial advice at some point in our lives. These misconceptions seem small but end up doing more harm than good. Here are a few of the most common misconceptions we’ve heard repeated by clients...

Wednesday, December 28, 2022

Are Your Financial Gifts Costing You?Know the financial gift limits to avoid unnecessary taxes.You might have heard about financial gift limitations and wondered if that’s something that applies to the financial gifts you give...

Wednesday, November 30, 2022

To choose the right debt payoff strategy, start with some questions about your budget and preferences. What do you value most? Do you prefer to save money on interest or pay off your entire balance? How motivated are you to repay your...

Wednesday, October 26, 2022

Why to Check Your WithholdingThe IRS doesn't require you to file a return unless you owe money. However, it does allow you to deduct certain taxes from your income, such as state and local sales taxes, property taxes, mortgage interest...

Wednesday, September 28, 2022

Medicare’s annual open enrollment period begins October 15 and ends December 7. During this time, current Medicare beneficiaries have the option to adjust their coverage for the coming year. Any changes to your plan will go into...

Wednesday, August 31, 2022

When deciding what types of retirement accounts you may need, it’s important to understand how your various options compare to each other. A few options you may have are 403(b) plans and Roth IRAs. It’s good to know...

Wednesday, July 27, 2022

Throughout your life, you’ve likely dreamt about what your retirement will look like. There are many possibilities about what you can do with your time, where you can live and what your income and finances will look like.As you...

Wednesday, June 29, 2022

Insurance Should Serve YouInsurance coverage changes from provider to provider and plan to plan, as well as from person to person. There will likely be times when you’re paying for insurance that you're not using. Even if...

Wednesday, May 25, 2022

Wednesday, April 27, 2022

Wednesday, March 30, 2022

Wednesday, February 23, 2022

Wednesday, January 26, 2022

Wednesday, December 29, 2021

Wednesday, November 24, 2021

Wednesday, October 27, 2021

ARE YOU READY TO PAY FOR LONG-TERM CARE? At some point in their lives, most people will need some long-term care whether that's at an assisted living community or at-home medical care. When preparing for this future, it can be hard to...

Wednesday, September 29, 2021

HSA vs PPO Open enrollment is coming up soon, and it's important to know about all your insurance plan options before deciding which one is right for you. Two options you could have are a Health Savings Account plan (HSA) and a...

Wednesday, August 25, 2021

Try these 5 strategies to gain financial health. Being financially healthy looks different for everyone and every life stage. But what almost everyone can agree on are the benefits of creating positive habits to improve the health of...

Wednesday, July 28, 2021

1. Tax-Free WithdrawalsMoney that goes into a Roth IRA is after-tax dollars. Because you've already paid taxes on that money, once it is withdrawn, it comes out tax-free. There are some restrictions on those withdrawals if you want to...

Wednesday, June 30, 2021

Your next loan could have more favorable terms. In a world that's moving away from cash and becoming more dependent on credit, you've likely heard financial institutions talk about the importance of credit scores. Whether it was in...

Friday, May 28, 2021

Since the 1980s, unemployment rates have trended higher amongst men than women during a recession. In previous periods of economic downturn, this made sense. Male-dominated industries, like construction and finance, were typically...

Tuesday, April 27, 2021

Previously, the Internal Revenue Service (IRS) announced that the federal income tax filing due date for individuals for the 2020 tax year had been automatically extended from April 15, 2021, to May 17, 2021.1More time for allHowever,...

Wednesday, March 24, 2021

I’m sure you’ve heard that the House recently passed the Senate another round of stimulus to try and counteract the economic effects of the COVID-19 pandemic. The new stimulus package could narrow income eligibility to...

Sunday, February 28, 2021

At this time last year, it was still unknown that a deadly global pandemic was on the rise, eventually stalling economic growth and sending crude oil prices into negative territory. But recently, oil prices have surged, with crude...

Monday, January 11, 2021

The Week on Wall Street Shrugging off COVID-19 infections and the disruption at the Capitol on January 6, stocks powered higher to kick off a new year of trading.The Dow Jones Industrial Average gained 1.61%, while the Standard &...

Wednesday, December 23, 2020

This year has been a complex muddle of changes, challenges and stress that comes with it. As we come to the end of this challenging year we would like to recognize that we have all had opportunities thrown at us based on those...

Wednesday, October 28, 2020

Open enrollment season is the perfect time to review your benefits and options offered by your employer. This is also a great time to review that your plans and your benefits are both in alignment. Join us as we review the following...

Wednesday, October 28, 2020

It’s open enrollment time! Am I the only one who gets excited about this time of year? For some companies, your window of opportunity to make any changes has already closed. For instance, Kinross closed their open enrollment...

Wednesday, September 30, 2020

Frequently Asked Question: I took a distribution from my pension plan and I am not sure I made the right choice …. What can I do now? Do you have questions on the decision you made to withdraw the lump sum benefit from your...

Wednesday, August 19, 2020

Many parents today suffer from sticker shock when they learn what it costs to send their children to college. While the cost of college can be a hard pill to swallow, it’s never too early to get familiar with a 529 college...

Wednesday, July 29, 2020

Are you feeling the need for a new challenge in your life? Are you growing tired of working for someone else? Have you always had that “dream” and never went for it? Is now the time? Encore careers can help jump start the...

Wednesday, April 29, 2020

It was just six weeks ago and we were planning out our second quarter. Things with the world were running along at a pretty good clip. It would all change on March 15th when our governor announced closure of all schools. Less than a...

Monday, March 23, 2020

With changes coming at us faster than we can adapt, many people are currently working remotely from home in order to continue operating and not allow this crazy virus business to get the best of us. While working from home is a great...

Tuesday, February 25, 2020

What is an emergency fund and why do you need one? An emergency fund is the money that you set aside to cover large unexpected expenses. These can be expenses such as an emergency room visit, replacing or repairing a large appliance in...

Friday, February 21, 2020

The Unnamed Business Bookclub has chosen the book Peaks and Valleys by Spencer Johnson for the month of February. This is a follow up to the previous book we read in December, Who Moved My Cheese, by the same author. Who Moved my...

Monday, November 25, 2019

It is that time of year when people typically spend more time thinking about spending than saving. However, for many of us, there is never a wrong time to take a few minutes to review what we have set aside in our Emergency Fund. When...

Thursday, October 31, 2019

Have you ever been super excited to try something new or interested in something and you never do it? What stops you? Fear. But fear of what? Is it the fear of failing or is it the fear of succeeding? A friend of mine recently went...

Wednesday, September 25, 2019

“You imagine what you desire, you will what you imagine, and at last, you create what you will.” – George Bernard Shaw How often have you been excited that you were going to work and that you get to see your clients...

Wednesday, August 28, 2019

It’s back to school time and there are a million things to get done. Picking out notebooks, the pencils, getting haircuts scheduled so our children don’t look like feral beasts. It adds to the daily stress of work and home...

Wednesday, June 26, 2019

Do you need a time out? When was the last time that you a day off from work? When was the last time that you took an entire week off work? Statistically, Americans take less time off than people in other countries. The majority of...

Wednesday, May 29, 2019

Do you have a budget? What is a budget? Do you even need a budget? A budget is a spending plan that allows an individual or multiple people to determine if they will have enough money to do all the things that they need to do, and all...

Tuesday, April 23, 2019

Take a minute to celebrate your success. How often do you take a moment to look at what you’ve accomplished today? This week? This month? This year? Do you know what you’ve accomplished so far? A great way to realize what...

Saturday, March 30, 2019

March 30th is “National I am in control day”. For some, this may not need a holiday as this is every day. But are you really in control? Do you want to be in control? What is control? Do you try to plan everything? This may...

Thursday, February 28, 2019

This month we celebrated a month of Love and Kindness with Random Acts of Kindness Week and Valentine’s Day falling within the same month. This brings to mind the act of saying THANK YOU. How often are we saying thank you to each...

Thursday, January 31, 2019

New Year’s resolutions are one of the most commonly made and most rarely completed goals. By this time of the New Year, many New Year’s resolutions and goals that have been made have also been abandoned. Why does this...

Wednesday, January 31, 2001

Each Friday, Innovative Advisors has open office hours from 9 am until 11 am. This is an opportunity to stop by our office without an appointment to ask those pressing questions that you have. In addition, the first Friday of each...