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Category Archives: Retirement Ready

What Keeps You From Investing?

It’s becoming more and more common for Americans to ignore investing for retirement. In fact, Time estimates 1 in 3 Americans have saved $0 for retirement, saying that saving money is not a financial strength in America. People often cite common financial obstacles including low wages, debt, and saving for a child’s college fund as reasons for not saving for the future. NerdWallet uncovered that, in addition to financial obstacles, fear plays a major factor for the Millennial generation, which now makes up a large portion of the workforce. So what keeps you from investing? We wanted to try our hand at tackling some of the common barriers folks in Wisconsin might have when investing. Don’t know where to start… Read the full article.

Navigating Short-Term Jobs and the 401(k)

In today’s job market, it’s not as likely that workers will stay with even just a couple of employers over the course of their career. Knowing that, it’s important to understand how to navigate your retirement accounts if you are considering a temporary job or changing employers anytime soon. It’s easy to quickly pass on opening a new retirement account in either of these circumstances. However, you might be leaving money on the table. To know if it’s a good idea to open a 401(k) account at a short-term job, you’ll need to look at your employer’s vesting policies: Vesting If you have been keeping up with previous blog posts, you know the best way to maximize your retirement account… Read the full article.

How to Start Your Retirement Savings from Scratch

If you ask somebody about saving for retirement, the first thing you’re likely to hear is, “start as soon as possible.” It’s important to take advantage of compounding interest early – even a few years of waiting can make a huge difference come retirement time. Knowing you need to start saving now is well and good, however most people don’t know where to begin, but it can be overwhelming. So let’s talk retirement savings basics and where to start. Fit your budget & automate To start saving money for retirement, you need to make room in your budget to put aside at least a small percentage for your retirement account. If you don’t already have a budget – make one… Read the full article.

5-Point Investment Portfolio Checkup

The goal of investing is to see your money grow over time. However, even though you can’t control how your investments rise and fall, your portfolio is anything but automatic. Like most things, it’s important to check up on your portfolio to make sure nothing is out of date and that its goals are still in line with your own. Check your Performance Are your investments on track to meet your goals? Do you need to aim for increased investment returns or start contributing more? If your portfolio is lagging behind the appropriate benchmarks, it may be time to reconsider your investments. Check your Beneficiaries Do all of your investment accounts have listed beneficiaries? In the event of your death,… Read the full article.

How Healthy Are Your Finances?

  Are you making the right financial decisions? Do you know where to invest? Do you know how fast to pay off credit card debt or student loans? Are you saving for retirement? Will you ever qualify for a mortgage? It’s perfectly okay to not have all the answers to your personal finance questions. Between credit card debt, student loans, and saving for retirement, it’s easy to think homeownership will never happen. In reality, the journey to homeownership starts with a little knowledge and equal parts smart money decisions and frugal living. You can have your home, and live in it too! We’re here to help you make smart money decisions on your way to becoming a homeowner. That’s why were… Read the full article.