Perspectives on Life

Planning Strategies

Discover financial planning strategies that will guide you through all stages of your life – from starting out, to building a family, to retirement.

Latest Stories

Four Big Mistakes Newlyweds Make with Their Finances

By John Caserta | August 28, 2018

One big source of stress for many newlyweds is the household finances. After years of being single, getting married can make money matters suddenly seem more complicated. Here are four of the big financial issues that can pop up.

Personal Finance When You’re About to Retire

By Michele Burkholder | August 21, 2018

Those last few years, months, and weeks before retirement can be both exciting and terrifying. We call it “go time” when talking with our clients. Among other things, it’s time to make sure you have everything in place. Here are five steps you need to take before you retire.

Why You Should Run Your Household Like a Business

By Walter Young | July 31, 2018

If your household was a business, one sold on the stock exchange, would you invest in it? For most of us, the answer is probably no. We maybe spend every dollar we get — perhaps even a little bit more — so we’re not “profitable.” We’d be embarrassed to show people our balance sheets, cash flow, or profitability statements. We need to start running our household finances as if it were a business.

Making Cents of Having Children

By Justin Cowell | July 24, 2018

Having a child brings huge financial changes to your life. It’s not just suddenly spending a lot more disposable income on things like diapers, clothes, and baby monitors, but you may also find a change in perspective. It’s important to get your financial house in order to protect your growing family.

Personal Finance in Your Middle Years

By Kevin Gianfortune | July 3, 2018

For those of us in our “middle years,” this is an important time in our lives. We are hitting our stride in our careers, we’ve settled down with a spouse and a house, and maybe started a family. Things that were once remote possibilities are starting to take a more concrete form. With this in mind, we need to start thinking differently about our financial lives.

Succession Planning is a Must-Do for Every Business

By Jordon Katz | June 19, 2018

Every business owner should have a succession plan in place, so that the business keeps running smoothly no matter what.

Life Insurance Can Balance Retirement and College Savings Goals

By Andrew Martin | June 12, 2018

Parents face a tough choice: Save for their children’s college education or save for retirement. Fortunately, this is not an either/or situation, because there are strategies that allow parents to save for both needs simultaneously. One important and often overlooked tool for achieving this is permanent life insurance.

What to Do with an Inheritance

By Margaret Muldoon | May 29, 2018

When my father died two years after my mom, he left me half of the family home and the majority of his life insurance. I was working in the financial services industry by that point, so I understood the value of meeting with a financial adviser, who gave me guidance on what to do with my inheritance.

The Importance of Cash Flow in Your Personal Financial Planning

By Mark Mappa | May 23, 2018

We think of cash flow as something only businesses or governments contend with, but it is integral to our personal financial lives as well. Cash flow enables us to do what we want, and to help achieve our goals or objectives — whether to get a mortgage, save for college, take a vacation, or save and invest for retirement.

Financial Planning for Families with Love Ones with Special Needs

By Pat Bergmaier | May 8, 2018

Financial planning for families with special needs children can be challenging because “special needs” means special on every level. There is no cookie-cutter solution that can guide people in the journey.