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When the economy slows down, everyday life starts to feel more expensive and a little more uncertain. Groceries may cost more. Job security feels shakier. Interest rates could climb. And suddenly, the financial cushion you once had might feel thinner than ever. If you’re feeling the pinch of inflation, higher costs, or unpredictable income, you’re […]
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A critical part of financial planning that is often overlooked is insurance. Having various insurance policies will provide different benefits to your financial plan, ranging from protection to tax breaks. In fact, insurance is a component of most financial plans, and some financial professionals are licensed to sell it themselves. Read on to learn more […]
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If you’re nearing age 65 or already enrolled in Medicare, it’s important to stay up to date on how the program is evolving. Every year brings small changes, and 2025 is no different. Whether you’re planning your first enrollment or reviewing your current coverage, understanding what’s new may help you be more informed and give […]
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As the cost of a college education continues to climb, many grandparents are stepping in to help. This trend is expected to accelerate as baby boomers, many of whom went to college, become grandparents and start gifting what’s predicted to be trillions of dollars over the coming decades. Helping to pay for a grandchild’s college […]
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When was the last time you took steps to optimize your 401k? If it has been a while, you are not alone. Research indicates that only one in three Americans utilize employer-sponsored 401k retirement accounts; even those contributing may not be taking full advantage of potential benefits.1 Here are five questions to ask about 401k […]
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Managing 401(k) investments is crucial to planning one’s financial future. Two primary ways to manage investments are to do it yourself (DIY) or work with a financial professional. However, the decision ultimately depends upon comfort level, knowledge of investment strategies, and available time. Here is what investors must consider for each method—DIY or financial professional […]
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You may be retired and considering investing some of your retirement nest egg. Depending on your situation, it is crucial that investing in the stock market, bond market, or other investments does not jeopardize your retirement savings. For this reason, investments that preserve your initial contribution but still provide growth opportunity is essential. Here, we […]
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Both trading and investing involve purchasing financial assets for the purpose of growing the value of those investments and either earning a profit through a sale, the accumulation of interest, or dividends paid out (and reinvested in the asset). Some of these financial instruments include: Individual stocks Bonds Exchange-traded fund (ETF) Index Fund Mutual Fund […]
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For Black business owners and entrepreneurs, systemic barriers and disparities in capital access may make it tough to get funding. You may feel like you’re swimming against the current while everyone else is floating down the river. Fortunately, there are several avenues you might explore to help secure funding for your business. Here are seven […]
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Back-to-school season is always a busy time, but in 2025, it comes with a bigger-than-normal price tag. Between inflation, tariffs, and general economic uncertainty, everything from pencils to laptops may cost more this year. According to Business Insider1, inflation is projected to rise to around 5% by mid-2025. For many families, that means tighter budgets […]
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