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The Value of Financial Advice
There’s growing evidence of the value that financial advisors bring to the table, beyond investment management. This concept, often referred to as “Advisor Alpha,” has ...
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Do You Need a Family Financial Summit
A Family Financial Summit might be a new concept for many of you, so let’s start by defining it before delving into whether or not ...
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How a Financial Advisor Can Help Lower Your Tax Bill
Tax planning is a vital part of any wealth management strategy, but reducing your tax burden isn’t always a straightforward process, especially for individuals with ...
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The Never-ending Pursuit of Money
What would it be like to be ultra-wealthy? Would it mean homes in Hawaii and Paris? Do you envision sailing a luxury yacht across the ...
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How Small Businesses Can Leverage AI Today
One of the most significant developments in recent technology is the rise of artificial intelligence (AI). When you ask ChatGPT (a leading AI program) what ...
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5 Easy Ways to Protect Seniors from Financial Abuse
ology has helped to streamline the way we manage our money, allowing us to perform transactions and monitor our accounts online, instead of needing to ...
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Retirees, What’s Your Withdrawal Strategy?
When planning for retirement, we often focus on the accumulation phase: saving diligently and investing wisely. We spend 40 or more years of our lives ...
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Unlock the Power of Our Professional Network
Tapping into the rich network of professionals we associate with has many benefits. Having worked with a wide variety of families with a wide variety ...
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Preparing for a First Meeting with a Financial Advisor
You have a first meeting with a new financial advisor, congrats! You’re taking an essential step in forging a path to financial confidence and clarity. ...
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Protect Your Children from Their Inheritance
Wealthy families often find themselves grappling with how to effectively pass along assets to their children while ensuring those children are ready for the responsibility. ...
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We All Have Money Blind Spots
Blind spots, in the realm of investing, can be likened to the unnoticed smudges on a pair of glasses. They obscure a clear view of ...
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Keep Politics Out of Your Portfolio
In our current environment, where political news comes from every direction, it’s important to remember the importance of impartiality in your portfolio. There is a ...
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Protect Yourself from AI Fraud
As you navigate the digital landscape, it is important to be aware of the evolving fraud risks posed by Artificial Intelligence (AI). Scammers embrace AI ...
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Must-Know Retirement Deadlines
When can you access your savings without a penalty? When should you enroll in Medicare? At what age is it best to collect Social Security? ...
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Are You Prepared for a 30 Year Retirement?
The good news? Retirees are living longer. The bad news? Many aren’t planning for it financially. Life expectancy is a key piece of retirement planning. ...
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25 Ways to Make Friends in Retirement
Retirement is an exciting phase of life, offering seniors the opportunity to explore new interests, travel, and spend more time with loved ones. However, it ...
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Mortgage Gimmicks Explained
Mortgage rates have been rising steeply since 2021 and are now commonly found in the neighborhood of 7%. This is significant as you might remember ...
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10 Questions to Ask When Relocating in Retirement
Did you know that 40% of workers today plan to move to a different city or region after they retire?1 This underscores a trend of ...
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3 Biases That Can Sabotage Your Wealth
Making financial decisions can often be more challenging than it appears. A variety of subtle influences can cloud our judgment. Among these, behavioral biases like ...
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Flying in Style: Modern Airline Rewards
We recently passed the 40th anniversary of frequent flyer programs as we know them. These programs started really simply, but forever changed the way we ...
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5 Strategies to Boost Your Retirement Savings
Whether your retirement date is fast approaching or you still have a few years to go, it’s important to take steps to boost your nest ...
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Target Date Funds: What They Are and When to Use Them
These financial tools automatically rebalance as you near retirement. A target date fund is an investment instrument designed to become more conservative as it approaches ...
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5 Podcasts for Business Owners
Listening to podcasts is like having a personal coach or mentor for your business. Whether you’re looking for advice, creative ideas, or motivation, they can ...
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Gratitude’s Impact on Your Money Mindset
When we hear the term “gratitude,” most of us think of living a happier and more fulfilling life. We think of slowing down, being mindful, ...
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Answering Your Kids Toughest Money Questions
Kids ask tough questions about money. It’s how they learn. As a parent, these are teachable moments that offer a chance to impart some financial ...
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Riches to Rags: Poor Money Choices of 5 Celebs
An increase in assets doesn’t come with an increase in financial acumen. Financial Literacy Month is a great time for us all to expand our ...
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What You Should Know About Advisor Fees
Financial advisors and planners help you manage your investments and work toward your financial goals, such as estate and retirement planning. In return for their ...
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Instilling Financial Values in Your Family
Over the next two decades, more than 84 trillion dollars will change hands in what has become known as the “great wealth transfer.” More than ...
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3 Small Moves that Make a Big Difference in Retirement
Saving for retirement doesn’t happen overnight. It’s an ongoing process that requires monitoring and tweaking your plan over many years to help ensure you have ...
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How Does the New RMD Rule Affect Retirees?
There’s good news for your retirement plan! Starting this year, the age at which you must start taking required minimum distributions (RMDs) from your tax-deferred ...
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Finding the Ideal Place to Live in Retirement
Planning for retirement is rife with big questions — not just how you want to spend your golden years, but where? For some, retirement offers ...
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Active vs Passive Investing
Investors and advisors alike have long debated the merits of active versus passive investing. As the markets have taken a downward turn over the last ...
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Get to Know Your Risk Tolerance
When constructing a portfolio, it’s critical to understand three important factors: your goals, your time horizon, and your risk tolerance. Of those three, risk tolerance ...
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Growth Stocks vs. Value Stocks
Stock investing is an important engine of growth in your portfolio, but deciding on an investing strategy and particular stocks can be challenging. When designing ...
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Understanding Mutual Funds, Index Funds, and ETFs
It’s common knowledge that investing in mutual funds, index funds, or exchange-traded funds (ETFs) can help build a diversified portfolio. These funds hold diverse baskets ...
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The Advantages of a Family Trust
Family trusts are an important tool for managing wealth across multiple generations. They can help you avoid the time-consuming and costly process of probate, keep ...
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Investing During a Bear Market
Lately, financial pundits seem to be constantly warning that a bear market is coming, arguing over whether one has begun or predicting when one will ...
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The Benefits of Donor-Advised Funds
As tax planning season and end-of-year charitable giving begin, it’s a good time to consider the benefits of donor-advised funds. Charitable giving has many facets, ...
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Smart Ways to Save for Your Child’s Education
If you’re a parent, the start of a new school year may have you considering how much you’re able to set aside for your child’s ...
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Understanding the Charitable Remainder Trust
The charitable remainder trust (CRT) is a popular retirement- and estate-planning tool. It can be a convenient way to create a stream of lifetime income ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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. ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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? ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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, ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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. ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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. ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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, ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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, ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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, ...
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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 ...
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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 ...
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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 ...
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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 ...
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