• All
  • Advice
  • Campaign
  • Estate
  • Investment
  • Lifestyle
  • Money
  • Retirement
  • Tax
  • Uncategorized

The Sequence of Returns Risk in Retirement

Markets go up and down in ways that are not entirely predictable. For long-term investors, what the market is doing in the present isn’t that …

Read More

An Introduction to Bond Ladders

Bonds play an important role in a diverse investment portfolio. As fixed-income securities, they can provide a stable return until they mature. As with any …

Read More

It’s Time to Have “The Estate Plan Talk”

Talking with loved ones about estate planning and inheritance can be challenging, especially as it centers around two taboo topics – money and death. But …

Read More

How to Weather a Market Correction

Sometimes stock prices drop across the entire market at once triggered by a range of things, such as natural disaster, political turmoil, concerns over rising …

Read More

What the Federal Rate Increase Means for your Financial Plans

The Federal Reserve increased interest rates last Wednesday, June 15th stepping up its efforts to rein in inflation. The moves will ripple through the financial …

Read More

How Women Can Overcome Obstacles to Retirement

Retirement planning requires forethought, discipline, and the juggling of many moving parts. Staying on track to meet financial goals can be tricky for anyone, but …

Read More

Why Investors Should Avoid Overconcentration

A concentrated position in a single stock can happen to investors for many reasons. They may receive company stock as part of their employee compensation …

Read More

Current Volatility Response

Dear Friends, The primary function of financial journalism seems to be terrifying us out of ever achieving our financial goals by shrieking about the market’s …

Read More

Lesson from the FIRE Movement

The Financial Independence/Retire Early, or FIRE, movement is an investment practice and lifestyle that focuses on saving aggressively and spending frugally so individuals can move …

Read More

Keeping Your Financial Accounts Cyber-Secure

Cybercrime is on the rise everywhere. In fact, global losses due to cybercrime climbed from $600 billion in 2018 to $1 trillion in 2020. That’s …

Read More

Get a Jump Start on Your 2022 Taxes

As you’re finishing up your 2021 tax return, you may be thinking your tax work is done until next spring. But getting a jump-start on …

Read More

4 Tips to Help You Avoid Timing the Market

Sudden ups and downs in the stock market can be hard to ignore. It’s common to get the urge to sell when you see your …

Read More

Hedging Against Inflation in Your Portfolio

Rising inflation is a concern among investors. Here are five ways to protect your investments.  Over the past year, investors have become increasingly worried about …

Read More

Negotiating for Workplace Benefits

Improve a job offer by thinking beyond your salary. It’s a job seeker’s market. The Great Resignation, which began in April 2021, has seen Americans …

Read More

Russia and Rate Hikes-February 22,2022

The financial markets have been on tenterhooks lately for two main reasons: Russia and rate hikes. By the time you read this, Russian tanks may …

Read More

The Benefits and Risks of Income Investing

Income investing is a strategy that seeks to provide investors with passive income from the assets they hold. This strategy may be attractive to people …

Read More

ESOPs: The Basics of Employee Stock Ownership Plans

A company that wants to supplement its employees’ salary with equity compensation can do so in a variety of ways. The most popular is the …

Read More

How Rising Interest Rates Impact Investments

In an attempt to control inflation, the Federal Reserve has signaled its intention to raise the federal funds rate (currently set at zero) three times …

Read More

5 Tips for a Financially Strong 2022

The start of a new year is a great time for introspection and evaluating the areas of your life you want to improve. When setting …

Read More

3 Tips for Evaluating Portfolio Performance

Building a portfolio is a big effort. It requires considering your goals, time horizon, and risk tolerance. Once that’s settled, you’ll have to choose investments …

Read More

Why You Need an Evolving Financial Plan

Financial planning is not a set-it-and-forget-it activity. Rather, financial plans are ever-evolving based on your changing life circumstances. Your goals and priorities may shift as …

Read More

Should You Make Early Withdrawals from Your 401(K)?

Your 401(k) is a tax-advantaged retirement account built to help you save more for retirement. Contributions can lower your taxable income, and money inside your …

Read More

Giving Back During the Holidays

The holiday season is a popular time to reflect on the past year and donate to causes you care about. Donations not only aid people …

Read More

How Diversifying Your Portfolio Can Mitigate Risk

Risk is an inherent part of investing. After all, no one can control the losses or gains of a particular asset, sector, or the market …

Read More

Evaluating Your Executive Stock Options

As part of your compensation package, your company might offer you stock options to supplement your salary. While they can be a valuable form of …

Read More

The 2021 Child Tax Credit: An Overview

The tax give-back for parents of young children is different in 2021 Every year, the Child Tax Credit reduces the tax liability of American parents. …

Read More

The Unique Advantages of Health Savings Accounts

These tax-advantaged savings accounts can help you cover your health care expenses A health savings account (HSA) is a tax-advantaged savings account that allows individuals …

Read More

5 Tips for Reviewing an Early Retirement Offer

You’ve spent years planning and saving for your retirement. And then, out of the blue, your employer hands you an early retirement offer that could …

Read More

4 Risks That Can Impact Your Retirement

Even with careful planning and diligent saving, some parts of retirement planning are out of your control. Factors like longevity, rising medical costs and the …

Read More

A Beginner’s Guide to Alternative Investments

Alternatives are investment options beyond the typical stocks, bonds and cash found in most portfolios. They can be tangible assets like precious metals, or they …

Read More

What Is Inflation—And Why Is Everyone Talking About It?

Climbing commodity prices, ambitious government spending packages due to the COVID-19 pandemic and the subsequent economic crash have resurrected a long-dormant fear: runaway inflation. But …

Read More

Automated Investing vs. Human Guidance

When you’re looking for help managing your investment portfolio, you have a decision to make: Should you work with a financial advisor or a robo-advisor? …

Read More

Breaking Down IRAs

Individual retirement accounts (IRAs) are a type of tax-advantaged account that can help you boost your retirement savings. The most common IRAs you’ll choose from …

Read More

Financial Conversation Tips for Couples

Communication about money is often fraught for couples, and bringing the topic up with your partner can be challenging. But discussing financial concerns, goals and …

Read More

Breaking Down Socially Responsible Investing

Many investors want more out of their investments than just a good return. They want to know that the companies they invest in are ethical …

Read More

Preparing Teens for Financial Adulthood

Learning how to properly manage money is a crucial life skill that can take years to develop. For teens who may be earning an income …

Read More

Tips for Making the Most of Your Inheritance

Baby boomers in the U.S. are set to bequeath $68 trillion in wealth by 2043, as part of the Great Wealth Transfer. Much of that …

Read More

Women and Wealth: Taking Charge of Your Finances

When it comes to financial planning, women are likely to face different challenges than men. For one, they earn less than men on average, and …

Read More

How Does Dollar-Cost Averaging Work?

When you’re in a traffic jam on the highway, you may find yourself trying to merge into whichever lane is moving fastest at the moment, …

Read More

Preparing for the 2021 Tax Season

How a financial advisor can help you manage your taxes this year  Reducing your tax burden can help you manage your wealth and free up …

Read More

Choosing the Right Life Insurance Policy

How to compare plans based on your specific needs The basic premise behind life insurance is simple: You pay premiums to an insurance company, which …

Read More

Tax Tips for Charitable Donations

Charitable giving is a great way to support the causes you care about while also getting a tax break. In 2020, Congress passed the Coronavirus …

Read More

4 Smart Money Moves for 2021

With the new year in full swing, it’s a great time to take stock of your personal finances. From building a budget and saving for …

Read More

Creating a Successful Business Succession Plan

An exit strategy helps business owners ensure the long-term success of their company A good succession plan creates a blueprint for ownership transfer as you …

Read More

Understanding Your Retirement Income Plan

Manage cash flow in retirement with multiple income streams  When you retire, you get to bid farewell to the working world. That’s the good news. …

Read More

How to Make a Wealth-Transfer Plan

A well-designed plan protects your wishes and helps avoid conflict among your heirs. A wealth transfer plan guides the movement of your assets from your …

Read More

The Importance of Long-Term Care Planning

Long-term care coverage can fill in the gaps other health care insurance leaves behind.  Long-term care insurance helps cover the cost of assistance with daily …

Read More

What You Need to Know About Investing During an Election

Elections can move the market, but that doesn’t mean you should change your approach Like any big news event, U.S. presidential elections can cause ripples …

Read More

Preparing for Healthcare Costs in Retirement

For many Americans, navigating the maze of health insurance options—from employer-based plans to individual policies—can be dizzying. Much of that changes at 65. That’s when …

Read More

Labor Day 2020

Friends, As we enter Labor Day weekend, I wanted to share with you the inspiring words of the American businessman, Jeff Bezos, founder and CEO …

Read More

Understanding Retirement Income Tax

When you retire, you’ll likely draw your income from several sources—such as retirement accounts, taxable investment accounts, and Social Security Benefits. Each of these sources …

Read More

6 Steps to Protecting Your Wealth During Divorce

A divorce is one of the most difficult transitions you can go through. When you add uncertainty about money, that transition can get even more …

Read More

Why Do Stocks Keep Rallying?

The contradiction is real. People can be forgiven for not celebrating in the streets at each new Nasdaq all-time high. As one novelist said recently …

Read More

How to Protect Yourself From Identity Theft

Online banking and electronic payment options offer consumers unprecedented access to their financial accounts. Yet, this convenience comes at a price—a greater risk of identity …

Read More

Five Rules of Long-Term Investing

These best practices can help you stay invested during the market’s ups and down  The COVID-19 pandemic helped put an end to the longest bull …

Read More

Two Strategies for Rebalancing Your Portfolio

Your investment portfolio is more than the sum of your account balances. It represents your pathway toward important financial goals, whether a comfortable retirement or …

Read More

Your IRA and Your Legacy

Individual retirement accounts can play a valuable role in the estate planning process  Individual retirement accounts (IRA) are a cornerstone of many people’s retirement savings …

Read More

Keeping Emotions at Bay During Virus Volatility

Fear, uncertainty, volatility, panic—these emotions are nothing new to the world of investing. In fact, they seem to reappear on a fairly consistent basis. The …

Read More

5 Tips for Navigating the Coronavirus Crash

When stock markets experience sudden downturns, investors can feel anxious and make decisions detrimental to their long-term goals. After all, when you’ve worked hard for …

Read More

History, Not Headlines, May Help You Navigate this Crisis

IN THE LIFETIMES OF TODAY’S INVESTORS, THERE HAS NEVER been anything like the coronavirus pandemic, nor the nationwide interruption of economic life that the pandemic …

Read More

Movie Announcement

Due to the unfortunate circumstances surrounding the Coronavirus, we at Evans Wealth Management would like to inform you that we will not be hosting our …

Read More

Leave a Lasting Legacy: Consider 
Your Impact on the World

Although there is a significant financial component to leaving a lasting legacy, it encompasses so much more than just money. It’s easy to get stuck …

Read More

What the SECURE Act Means for Your Retirement

On December 20th, 2019, the Setting Every Community Up for Retirement Enhancement (SECURE) Act became law. As the name implies, this law intends to make …

Read More

3 Money Questions for You & Your Partner

In the spirit of Valentine’s Day this week, I thought I’d share 3 money questions that you and your partner should answer together. Watch the …

Read More

Important Trends for 2020

2019 market appreciation was all about P/E multiple expansion instead of earnings growth. For decent market returns we need to see accelerating earnings growth… The …

Read More

How to Make Your 2020
 Resolutions Stick

Making a New Year’s resolution is the first step to creating better habits. But making a New Year’s resolution and keeping a New Year’s resolution …

Read More

Don’t Miss These 6 Year-End Financial Planning Opportunities

Are your finances ready for the end of the year? December brings many deadlines and lists; there are gifts to buy, holidays to plan, and …

Read More

College Savings Plans:
 Breaking Down the Complexities

The increasing cost of higher education saddles many young adults with massive amounts of student debt. This student debt makes it harder to balance other …

Read More

You’re Invited! Annual Tractor & Wagon Rides Event at Gallipolis in Lights

Mark your calendars! You are cordially invited to our annual Tractor & Wagon Rides presented by Evans Wealth Management at the Gallipolis In Lights celebration …

Read More

Be Prepared: 7 Estate Planning Tips

No financial plan is complete without an estate plan. Estate planning covers all aspects of your life, from creating your will to planning medical decisions. …

Read More

5 Financial Wellness Tips for the Sandwich Generation

Are you in the ‘Sandwich Generation’? If you have the responsibility of simultaneously raising kids and looking after your aging parents, then this article is …

Read More

8 Simple Tips for Organizing Your Finances

Disorganized finances can make it difficult to plan and set your goals. Following a pattern of established management guidelines can help you stay on-top of …

Read More

Changing Jobs? Don’t Forget Your Retirement Account

People commonly make the mistake of leaving their old retirement accounts behind when they change jobs. While it’s perfectly legal to do this, there are …

Read More

5 Tips for Managing a Sudden Financial Windfall

As a generation of Americans grows older, a considerable amount of their personal wealth is transferring to younger family members.  In fact, over 60 trillion …

Read More

Exposing the Top 7 Social Security Myths

Did you know that 67 million people received Social Security benefits in 2017? Despite so many retirees relying on Social Security income, many don’t fully …

Read More

Stan Evans, CRPC®, AIF ®



Read More

May 3rd, 2019: Weekend Reading

Longevity 10,000 baby boomers will be retiring every day in this country for the next decade—through 2029, when the last baby boomer, born in 1964, …

Read More

5 Kid-Friendly Financial Literacy Tips

Who is teaching your kids or grandkids about money? They likely aren’t learning about it in school; only 17 states in the U.S. currently require …

Read More

April 2019: Economic Recession?

Recession chatter is abundant lately. Perhaps heightened recession concerns are to be expected given the duration of the current growth cycle of the U.S. economy—which …

Read More

The 5 Phases of Pre-Retirement

Retirement is one of the most important life events you will experience, and getting it right takes wise planning. With a sound intellectual framework, and …

Read More

February 2019: Where Are We Now?

What a start to the year it has been. Stocks and bonds embraced the new “pause” outlook from the Fed, rallying sharply in January. Earnings …

Read More

5 Tips for When the Markets Get Rocky

Many investors are familiar with the emotional impact that often comes with market volatility. When stock markets swing in extreme directions or change suddenly, investors …

Read More

Our 2019 Observations

Longest U.S. Expansion in History We expect GDP growth to slow to a range of 2 to 2.5 percent, and believe the U.S.economic expansion will …

Read More

Stop Procrastinating: 5 Financial Resolutions You Can Start Right Now

Did you achieve your financial goals in 2018? If not, keep reading. To achieve financial fitness this year, set strong financial resolutions that will help …

Read More

Don’t Miss These 7 End-of-Year Financial Planning Tips

The end of the year is quickly closing in, and there is no better time than now to take inventory of your financial situation. Evaluating, …

Read More

Who is a Fiduciary?

A fiduciary is any investment professional or financial advisor who is required by law and practice to act solely in the interests of and with …

Read More

Top 5 Apps to Save You Money

The smartphone has become the one-stop-shop when it comes to consumer demands. It feels like there is an app for almost everything. With the influx …

Read More

3 Reasons Why Robots Won’t Replace Financial Advisors

Robo-advisors have been heralded as the “future of investing” by their fans, but can computer algorithms really replace human financial advisors?  Robo-advisors are less expensive …

Read More

Retirement Savings Tips: From Your 20s to Your 60s

Financial planning is a lifelong endeavor, but people often seek out investment advice that doesn’t fit their current stage in life. When it comes to …

Read More

Preparing Your Children for Adulthood through Financial Literacy

As a financial advisor, I learn a lot about clients’ short and long-term financial goals through many conversations and building relationships with them. I also …

Read More

8 Key Life Events that Require Financial Guidance

Almost everyone stresses over the daily obligations of financial planning, but many also neglect the significant life stages that require special attention and strategies. Here …

Read More

Understanding Bitcoin and Cryptocurrency

Arguably the most popular buzzword in the global economy right now is “cryptocurrency.” While Bitcoin is currently the most well-known cryptocurrency, most people don’t understand …

Read More

4 Reasons Your Retirement Plan Might Fall Short

Ever find yourself daydreaming about retirement? Whether your dream retirement entails traveling the world, dedicating time to beloved hobbies, or helping your children and grandchildren, …

Read More

There’s More to Retirement than Just Numbers

Have you considered the emotional aspects of retirement and how to plan wisely? In today’s world, people are working well past the age of 65 before …

Read More

Top 5 Biases that Impact Investment Decisions

As financial advisors, we use facts and logic to guide our clients through investment decisions, rather than emotion. Even the most perceptive investors, armed with …

Read More

How the Right Advice Can Boost Financial Confidence

What value does a financial advisor actually provide? This may surprise you, but the value of a quality financial advisor goes far beyond portfolio advice. It’s about …

Read More

Financial Complexities of a Longer Life

Americans are living longer. That’s the good news. The bad news is that most people aren’t financially prepared. Many Baby Boomers will be in retirement …

Read More