Blog

Planning for those you Love

Andrew Rose, CFP®, CLU®, RICP®

Tuesday, February 7, 2023

All of us have something in common, there are people that we love and people that we would do anything for. And while it doesn’t matter if it’s a spouse, parent, child, sibling, or even a dear friend, we all have those we care about.

November Consumer Spending May Signal Brighter Holiday Season

Andrew Rose, CFP®, CLU®, RICP®

Friday, December 2, 2022

As the year’s final month, December brings holiday gatherings and hopefulness for brighter days ahead in 2023. Looking back at how the economy performed in November, we saw lighter holiday-week trading at Thanksgiving...

Helpful Info About Midterm Elections & Market Performance

Andrew Rose, CFP®, CLU®, RICP®

Thursday, November 10, 2022

It is hard to believe we are in the midst of yet another election cycle. With inflation soaring, economic growth slowing, and extremely choppy markets, midterm elections seem like an afterthought. But on Tuesday, November 8th, 435...

The Inflation Reduction Act: What Does It Mean for You?

Andrew Rose, CFP®, CLU®, RICP®

Thursday, September 15, 2022

As you probably heard on the news, President Biden signed the Inflation Reduction Act of 2022 on August 16. Among other things, the legislation includes various initiatives such as locking in the American Rescue Plan health coverage...

July Markets End on a High Note

Andrew Rose, CFP®, CLU®, RICP®

Monday, August 15, 2022

July was yet another month of roller coaster ups and downs, marked by continued consumer concerns about supply chain issues and higher costs for goods and services. The weather wreaked havoc in many parts of the country, as torrential...

May's Bumpy Ride Was Tiresome for All

Andrew Rose, CFP®, CLU®, RICP®

Monday, June 13, 2022

Welcome to June!What a relief to have May in the rearview mirror after a volatile month (in both the markets and the headlines). Surprisingly, despite weeks of negative performance, the major stock indexes actually finished flat,...

Don’t Let Unexpected Expenses Derail Your Retirement

Andrew Rose, CFP®, CLU®, RICP®

Wednesday, January 19, 2022

While it’s natural to look ahead to a leisurely retirement, it’s prudent to prepare for expenses that catch many retirees by surprise. In a recent survey, nearly one-third of retirees reported they faced at least four...

Are Capital Gains Taxes Changing?

Andrew Rose, CFP®, CLU®, RICP®

Wednesday, November 17, 2021

There are a lot of questions about President Biden’s Build Back Better plan and potential tax law changes, including an adjustment to capital gains taxes.One of the proposals Congress is considering sets the top rate for taxing...

The Underutilized Benefits of a Health Savings Account

Andrew Rose, CFP®, CLU®, RICP®

Tuesday, October 19, 2021

Healthcare can be one of the priciest yet essential parts of life’s journey. And yet, many struggle to utilize the financial tools that may help. Take Health Saving Accounts (HSAs), for example.In 2019, 55% of those with HSAs...

A 6.1% Bump in Social Security?

Andrew Rose, CFP®, CLU®, RICP®

Friday, September 17, 2021

The news keeps getting better for Social Security recipients.It's now projected that benefits will increase 6.1% in 2022, up from the 4.7% forecast just two months ago. That would be the most significant increase since 1983.1...

A Note About Inflation

Andrew Rose, CFP®, CLU®, RICP®

Wednesday, August 18, 2021

As the economy continues to recover from the effects of the pandemic over the past year, you may have noticed the term ‘inflation’ coming up in the news. But don’t let it scare you! The fact is, some inflation is...

Life Events that Impact your Financial Plan in a Big Way!

Andrew Rose, CFP®, CLU®, RICP®

Tuesday, July 20, 2021

When you have a major life event such as getting married, having a child, or buying a home, your financial situation and priorities may change. As your life changes, your financial decisions must stay in line with your goals, values,...

The American Jobs Act – 3 Potential Changes We’re Watching

Andrew Rose, CFP®, CLU®, RICP®

Thursday, June 17, 2021

Recently, there’s been a lot of noise about the Biden Administration’s American Jobs Plan, commonly referred to as the ‘infrastructure bill.’ We’ve heard a lot about infrastructure over the few years, and...

Avoid Becoming the Bank of Mom and Dad

Andrew Rose, CFP®, CLU®, RICP®

Friday, May 14, 2021

You spend your whole life raising your children to be self-sufficient. You give them your time, your love, and your money to set them up for success. So, what do you do when your now-adult-child asks for financial aid?As more baby...

Don’t Let Unexpected Expenses Derail Your Retirement!

Andrew Rose, CFP®, CLU®, RICP®

Saturday, April 17, 2021

While it’s natural to look ahead to a leisurely retirement, it’s prudent to prepare for expenses that catch many retirees by surprise. In a recent survey, nearly one-third of retirees reported they faced at least four...

Haven't filed your taxes yet?! Not to worry...

Andrew Rose, CFP®, CLU®, RICP®

Friday, March 19, 2021

Preparing your taxes can be a real drag. It can feel like tax day looms over your spring! Well, fear not: the IRS has given you another month to file your taxes! The Treasury Department and Internal Revenue Service has announced that...

Many people wish to take the reigns of their investing and account management. And that is totally OK for the right person! However, a common denominator is we are all human, and as humans, we have our own bais, beliefs and emotions...

In Part 2 of the Target Date Fund series we will discuss if target date funds can deliver predictable retirement income. And what risks should be reviewed?

What is a Target Date Fund? How do they work? Watch this video to learn more and also see how not all funds are invested equally.

Technology advances have made our life a lot more simple; from keeping in contact with friends and family and even completing transactions. But as we know, with news of data breaches and concerns of scams, hacks and identity theft,...

What were your fondest childhood memories? What is the farthest experience or fact you can remember? For me I have a few, that are clear as day. Like the first time I ate a Bojangles Cajun Filet Biscuit, I was probably around 7 years...

Andrew Rose has served on StepUp’s board for the past two years, but his StepUp journey began in 2009 when he was invited to take a tour of the Life Skills program. StepUp serves approximately 160 adults in its Life Skills...

Happy to share this video montage of some of our #CapitolCares events throughout the years. https://plus.smilebox.com/play?g=adb7de5b-f5d4-4104-b277-9a4244153c94

Another New Year has come and 2018 is in the history books. This is also a new chance for the stock market to move on from 2018 and do what it does best, go up! The end of 2018 was not good to equity markets and our investment...

Andrew Rose and Will Smith Inaugural Vlog

It’s August, as many would call the “8th inning of summer” or the “Sunday of the week”. Nonetheless, days are slowly getting shorter and kids are going back to school. Another season is gradually coming to...

History. Everything and everyone has a story and a past. All of us have some attraction to events and places of the past and a desire to relive the stories of long ago. Think of the millions of visitors per year visiting The Colosseum...

This month I was able to celebrate the second birthday of my niece and nephew, Avery and Gabriel. My wife and I became an uncle and aunt back in September of 2012 and since then my sister and brother-in-law have brought four amazing...