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Financial Planning Tips for Military Service Members

10/2021

If you’re a member of the military, you know what it’s like to be tasked with the burdens of protecting our country. But you also need to be aware of how your military service impacts your personal finances. Here’s a look at some key financial planning processes that you should put in place now, with special insights and tips just for military service members. 

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There's a Boom in Small Business Startups: 10 Things to Know Before Starting Your Own

10/2021

If you’re among those looking to start a new business, or to purchase an existing one or a franchise, there are critical steps to take in order to plan well for your investment. Here’s a look at some of the major considerations to think about. 

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What Households With a Stay-at-Home Spouse Need to Know About Retirement

10/2021

Couples often decide together that one spouse should be the primary breadwinner while the other stays home to take care of family members. Although this often works out well for childrearing or eldercare responsibilities in the short term, it can present long-term retirement-planning risks for the stay-at-home spouse. Here's how to ensure you'll both have the means to Live Well in retirement.  

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Investment Planning Doesn't End After Retirement: 3 Things to Know Now

10/2021

Many people think of investment planning as something you only do leading up to retirement. But it’s just as important to plan well after retirement too, although the focus is very different. Investment planning in retirement is more about spending – specifically how you spend – than it is about saving. Your goal now is to maximize your savings and assets so they can provide for the lifestyle you want for as long as you need. Here are three major things to consider during this time...

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Retirement Planning Tips for Every Stage of Life

10/2021

For most people, retirement planning is one of the most important components of their overall financial plan. Whether you’ve just graduated and taken your first job or are preparing to retire, your employer-sponsored retirement plan can play a key role in your financial strategies. Here are some tips on how to plan well and invest well at each stage of life so that you can live well in retirement.  

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Estate Planning Is for Everyone: What You Should Have in Place at Each Stage of Life

9/2021

People often mistakenly think of estate planning as something that only older or wealthier people have to do, but this couldn’t be further from the truth. Here’s a look at some common estate planning needs throughout various stages of life and degrees of wealth. 

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Find the Right Retirement Plan for Your Small Business

9/2021

As a business owner, establishing an employer-sponsored retirement plan can provide you with a tax-advantaged method to save funds for your own retirement, while providing your employees with a powerful and appreciated benefit. Here’s an overview of some of the most popular plans to help get you started on deciding which might be the best option for you and your business...
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Preparing for Retirement Emotionally: A Timeline and Tips

8/2021

Retirement paves the way to a new and exciting chapter of our lives.  But it can also be daunting. For many, retirement isn't a wind-down phase but a whole new beginning. And just as new beginnings in the earlier phases of life required preparation, so too does this one. Here are some tips and insights to help ease the transition.

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Estimate Your Retirement Needs in 6 Steps

9/2021

You know how important it is to plan for your retirement, but where do you begin? Here’s a six-step process to help you answer this very important question so that you can plan well now, and live well in retirement.

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Quick Reference Chart: 529 Plan Qualified & Non-Qualified Expenses

8/2021

You've put in the hard work of saving for college, and now it's time to start using those 529 plan assets to help with a family member's education-related costs. But before you begin withdrawing those funds, it's important to understand the difference between qualified and nonqualified expenses. 

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Business Owners, Take Note of These Tax & Policy Changes for 2021

8/2021

As we emerge from the pandemic and congress resumes its next legislative session, there are many changes to tax codes and policy ­– both already enacted and looming on the horizon – for business owners to consider. Here are some of the major changes and proposals to bear in mind for your business in the months ahead.

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In or Approaching Retirement? Watch for These 2021 Tax and Policy Changes

8/2021

There are a lot of shifts happening with regard to taxes for the wealthy and retirement plan policies. If you’re nearing or already in retirement, it’s essential to stay up to date with what’s happening now and what could be happening next in order to preserve the wealth you’ve likely worked a lifetime to build. Here are some of the major tax and policy changes to look out for in the coming months.

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How SECURE and SECURE 2.0 Could Affect Inheritance

8/2021

In 2020 the SECURE Act changed some key rules regarding inheritance. Now the proposed SECURE 2.0 legislation could bring even more changes. Whether you're leaving funds for loved ones or you've just inherited yourself, here's what you need to know in order to Plan Well for how to best put those funds to work for you and your loved ones.

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Early to Mid-Career? Watch for These 2021 Tax and Policy Changes

8/2021

The last couple of years have been difficult for everyone, but perhaps particularly for those in their early to mid-career years. The good news? congress has enacted a good deal of legislation intended to help you recover from those effects, and more proposed legislation is on the way. Here’s what you should know.

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Make 2021 More Profitable With This 5-Step Mid-Year Business Review

7/2021

This year is already halfway over – now is the time to take stock of how your business has performed thus far this year, so you can build on your strengths and strengthen your weaknesses. Do this 5-step mid-year business review to maximize your chances of ending the year with the kind of business growth and bottom line you were hoping for.

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How to Do a Mid-Year Wellness Check on Your Investments: Review, Renew, Rebalance

7/2021

The middle of the year is an ideal time to do a “wellness check” on your investments. With half the year behind you to evaluate the performance of your investments and the other half still ahead to see gains from any adjustments you might make, it’s a great opportunity to review your investments, renew your strategy and rebalance your investments as necessary to keep on track toward your goals. Here's a 3-step process to do a mid-year check of your own investments right now.

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Do These Things Now to Avoid A Steep Tax Bill Next Year

7/9/2021

There are some important steps to take at the mid-year point to ensure you can end 2021 in the strongest financial position possible. The item on that list that probably strikes one of the biggest pangs of financial fear into the hearts of many people is, you guessed it – taxes. Here are some strategies to consider to help lower your tax bill come next April – and keep you from having to write a big check to the IRS or getting a big refund...

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5 Critical Steps: Check In On Your Finances Before Checking Out for Summer

7/2/2021

Here are five key strategies to review and reassess right now to ensure your plan for 2021 is still on track to have you investing well and living well through the end of this year and beyond.

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Mortgage Interest Rates Are Plunging – Should You Refinance?

6/25/2021

With mortgage rates dropping in recent weeks, you may be wondering if the time is right to refinance. Whether your goal is to better your long-term financial health or to pay for important shorter-term goals, it’s important to understand all the costs and benefits before you move ahead.

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Protect Your Business with Key Employee Insurance

6/18/2021

You've got a great group working for you and you know that much of that success is due to one or two key people with both skills and personalities that are hard to match. Suppose they were injured and out of work for a while, or suppose they died? Would your business survive? Key employee life and disability insurance coverage can help make sure that it does.

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Do You Have The Right Amount of Life Insurance for Your Stage of Life?

6/11/2021

Your need for life insurance changes as your life changes. Having the right amount at the right time can save you money as well as provide peace of mind. 

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How to Close a Retirement Income Gap

6/4/2021

If you find yourself facing a gap between how you’d like to live in retirement and how much savings you have available to do so, there are steps you can take to help build bridge the gap.

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Mastering the FAFSA to Maximize Financial Aid

5/28/2021

For many families, financial aid programs help make higher education attainable. The first step in applying for aid is to complete the Free Application for Federal Student Aid (FAFSA). Here's what you should know before filling it out.

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Saving for Retirement and a Child’s Education at the Same Time

5/21/2021

You want to retire comfortably when the time comes. You also want to help your child go to college. So how do you juggle the two? The truth is, saving for your retirement and your child's education at the same time can be a challenge. But take heart — you may be able to reach both goals if you make some smart choices now.

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529 Plans and Financial Aid Eligibility

5/14/2021

If you're thinking about opening a 529 account, or if you've already opened one, you might be wondering how 529 funds will affect your child's financial aid eligibility. Here’s what you should know in order to maximize the funds available for your child’s education when the time comes.

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Don’t Depend on Student Loan Forgiveness —Here's How to Plan Well for College

5/7/2021

There’s a lot of talk in Congress right now about potentially canceling federal student loan debt. But don’t be confused — if this debt cancellation even happens at all, it will be a one-time cancellation for those who currently have qualifying student loans.  That’s why it’s so important to plan well by creating a solid strategy to save for college costs. Here's what you need to know...

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6 Things To Do Before Passing Along The Family Business

4/30/2021

You've worked hard to build your business - will you be ready with a successful exit strategy when it's time to sell or pass it down, so you can enjoy the fruits of your labor? Here's what to think about now to ensure you walk away with the outcome you desire then.

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Learn These 3 Basics of Investing to Get Started on Building Wealth

4/23/2021

Most people have a general idea of what investing is, but perhaps you don’t have much knowledge about what it actually involves apart from the contribution you (hopefully) make to your 401(k) or other retirement account each pay period. But gaining a basic understanding right now of key investment concepts can provide the foundation you need to get started on the road to a healthy financial future. Here’s what you should know now, so you can get started on building a wealthier tomorrow...

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Four Steps to A Winning Short-Term Savings Strategy

4/15/2021

Here’s a four-step process to get you on the road to successful short-term saving so that you can plan well to be prepared for the unexpected, and have the funds to afford those larger purchases and experiences that’ll help you to live well in the next several years ahead. 

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Credit Card Dos and Don'ts

4/9/2021

Credit cards can be a powerful tool to build a healthy credit score, which is essential for a healthy financial future. But used incorrectly, they can also present some of the biggest financial dangers. Here's how to use credit wisely while avoiding its pitfalls.

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Follow These Budgeting Basics to Create a Strong Foundation for Your Finances

4/2/2021

If you’re feeling like your financial literacy isn’t up to par, you’re not alone. But investing a bit of time to educate yourself about the basics now will pay off for years to come. Here are six tips for how to create and stick to a budget that will allow you to plan well, invest well and live well.

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Financial Advice for Women At Every Age

3/26/2021

Women face particular challenges when it comes to financial planning, investments and saving for the future.  Here are some tips and insights from WHZ Vice President and Associate Financial Advisor Leisl Cording, CFP® to help women Plan Well, Invest Well, Live Well™ at every stage of life. 

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If You Turned 65 Last Year, Make Note of the Medicare General Enrollment Period

3/19/2021

The Medicare general enrollment period closes at the end of March. If you're 65 or older - and particularly if you turned 65 last year - you'll want to read this.

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Tax Season Scam Alert

3/12/2021

Each year during tax season, scammers get more savvy with strategies they use to gain access to other people’s personal information and money. To help you steer clear of this year’s top scams, here are some red flags to watch out for — along with some timely tax-filing reminders.

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Why Addressing Financial Gender Gaps Is Important For Everyone

3/5/2021

Gender inequities in finance exist and must be addressed. Here are some key insights to consider from our Vice President and Associate Financial Advisor Leisl Cording, CFP® on why and how we should all help to make change happen so everyone has equal access to be able to live well.

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Maximizing Your Health Savings and Retirement Account Contributions in 2021

2/19/2021

The federal government offers tax breaks to those who save for their future health needs and post-retirement income. There are limits to those tax breaks, of course – but by making the most of them, you can reduce your tax bill today while making real progress in supporting your health and happiness for the future. Here’s what you need to know to maximize your health, retirement, and tax savings this year.

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7 Key 2020 Tax Breaks for Business Owners and The Self Employed

2/19/2021

2020 was a difficult year in so many ways, including for business owners and the self-employed. Thankfully, there are a number of key changes to 2020 tax laws that could help to cushion the blow as we head into 2021. Here's what business owners should know...

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Tax Law Changes That Could Help You Make the Most of Your Retirement Savings At Any Age

2/12/2021

Whether you’re just starting to save for retirement or you’re already in retirement, there are some important changes to retirement savings tax laws to be aware of as you prepare to file your 2020 taxes.   

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Living Out Our “Live Well” Philosophy: Our Commitment to Diversity, Equity and Inclusion

2/12/2021

At Weiss, Hale & Zahansky we pride ourselves on our commitment to living out our strategic Plan Well, Invest Well, Live Well process not only for our clients, but for the greater community as well.  We also recognize that access to the resources required to live well is not equally available to all.  As a morally responsible organization, engaged community members, and empathetic individuals, here's what we're doing to help change that.

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Has Reddit Revealed Major Cracks in the Market?

2/5/2021

With concerns growing over a potential stock market bubble and a recent market pullback, it seems another crisis has hit the headlines: a group of retail traders has come after the market itself. Specifically, these retail investors tried to beat Wall Street by trading up several stocks well beyond what the professionals think they are worth. In doing so, the headlines claim, they have broken the market. Could that possibly be true? Let’s take a look at the details.
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How to Do a Fitness Test For Your Finances

2/5/2021

Just as falling out of the habit of regular workouts can wreak havoc on your health, forgetting to periodically review your finances can potentially have serious consequences for your future. Here are six steps to take to ensure your finances are fit, right now.

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Creating A Safety Net to Bridge Times of Financial Crisis

1/22/2021

In times of crisis, we're sometimes forced to shake pennies out of a piggy bank. Here's how to build a financial safety net to ensure that you're protected when a financial emergency arises.

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Does the COVID-19 Economic Relief Bill Impact You?

1/22/21

On December 21, 2020, Congress passed a $900 billion COVID Economic Relief Bill that will extend and modify several provisions first enacted in the CARES Act. The bill itself is over 5000 pages, so we have gathered information from the bill that we felt will have the most pertinent information for you to have as it could relate to your personal financial structures. Here's what you should know...

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Take Control to Begin Recovery or Acceleration of Your Financial Goals

1/15/2021

Do you ever wonder where your money goes each month? Does it seem like you're never able to get ahead? If so, you may want to establish or revisit a budget to help you keep track of how you spend your money and help you reach your financial goals. Here's how to get started...

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Prioritizing Your Financial Health in the New Year

1/8/2021

As we welcome the new year, it's a great time to consider adding a few new financial goals to your resolution list. Here are eight great goals to focus on in order to begin living better in 2021 and beyond.

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