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What is ESG Investing?
ESG investing has been in the news lately and it’s worth knowing about. ESG is an acronym for environmental, social and governance. It used to be known as socially responsible investing or SRI. There have been...Read More
Investor Behavior During Uncertain Times
Let’s face it, the world is weird right now. The markets have been a roller coaster ride, the debt ceiling is a looming problem, Congress and the White House are arguing with each other like 6 year olds in a playground spat...Read More
What is the latest with student loan repayment?
There have been a couple of updates, and here is the latest:$10,000 loan forgiveness ($20,000 for Pell grant recipients) has been suspended due to two lawsuits challenging the forgiveness. The Supreme Court has scheduled hearings...Read More
Conversations Over Pie
During the holidays, we get the opportunity to connect and reconnect with friends and family. Many of the conversations that take place this time of year are about food, festivities, and holiday plans. However, we also have...Read More
Public Service Loan Forgiveness
Attention Public School Teachers, Professors, Military Personnel, Government Employees and all others in the public service sector! Did you know that you may be eligible for forgiveness of your student loan balance? If you...Read More
Tax Savvy IRA Distribution Ideas
As we approach the end of 2022, it’s a perfect time to begin to consider your options for retirement plan distributions. If you are 72 or older in 2022, these options may apply to you. One of the options you may wish...Read More
Investment Performance vs Investor Performance—what’s the difference?
While market volatility will no doubt have an impact on investment performance, it’s also a good time to focus on our own performance as investors. Buying low and selling high is sometimes easier said than done. What...Read More
Student Loan Forgiveness Changes - What They Mean To You
You have probably heard that President Biden announced some federal student loan forgiveness. And you may be wondering how it will affect you. Many of our clients have taken the ostrich approach to their student loans...Read More
365 Days In The Making
We, at Emerge Wealth Strategies, wanted to take a moment to reflect on the last 365 days. You might recall that almost 1 year ago, our business moved from the Waddell & Reed Platform to our new home at LPL. This change...Read More
Does your financial advisor empower you?
Do what your told… or not! Growing up, anytime I asked a “why” to an adult, the inevitable response was “Because I said so.” Maybe you can relate? Often, there are financial professionals...Read More
Things to Consider When Choosing a Financial Advisor
Things to Consider when Choosing a Financial Advisor Choosing a financial advisor can feel like an overwhelming task. Who do you trust? What questions should you be asking? So many factors to consider that might...Read More
Marriage and Money
Student Loan Repayment: Important Considerations if you have Federal Student Loans
How to get the most from your relationship with your Financial Advisor
Using a solo 401(K) to Mega Backdoor Roth IRA your Retirement
Using a solo 401(K) to Mega Backdoor Roth IRA your Retirement If you've read any of my quotes in the media (ranging from CNBC to Nerdwallet) you'll know my full pledged appreciation for the Roth IRA. I graduated college at age 20 and...Read More
Filling out the FAFSA: What to know about FAFSA and your Expected Family Contribution
So, you’re about ready to send you son or daughter to college. Likely, you have worked hard to save money for tuition, room and board, and the occasional run to the bookstore. But while you have been saving on your own, now is...Read More
Managing a Spending Plan
How do you build a budget or spending plan when your income isn’t consistent? That is one of the most common questions we get from people trying to build a financial plan. When you have a paycheck with more or less consistent...Read More
Dentists and Money
I was recently approached by a young dentist who was feeling overwhelmed about his student loan payments. He had many other questions about his personal finances in regard to purchasing a home closer to work, whether or not to receive...Read More
Aligning your values and financial goals
Markets are volatile, the economy is currently in a recession and Coronavirus is running its course, so what do you do? Investors, when left to their own devices, have historically done a bad job of navigating market downturns. It is...Read More
Making a Move During the Pandemic?
Since the lock down in March, companies across the nation asked their employees to work from home (where possible), it seems even some formerly reluctant workers are embracing the short commute to their home office, pj's, zoom calls...Read More
Our new reality
This weekend marks a month here in Illinois where we have been under a shelter-in-place order. How has the past month changed your life? I have been checking in with clients. Some have absolutely no work and are trying to keep...Read More
The COVID-19 Stimulus bill and your Finances
As I’m sure you know, the $2 trillion “Coronavirus Aid, Relief, and Economic Security” (“CARES”) Act was recently signed into law. The CARES Act is designed to help those most impacted by the COVID-19...Read More
Steps to Financially Prepare for a Divorce
So, you've realized it is time to move on. What do you do next to protect yourself financially as you go through the life-changing process of a divorce? Get copies of all your financial documents. At a minimum this will include: At...Read More
The problem with consolidated and extended student loan payments
I recently worked with a client who had just over six figures of federal student loan debt. A few years ago, when cash flow was tight, she enrolled in an extended repayment plan. This managed to lower her payments to a manageable level...Read More
Having “Difficult” Financial Conversations Over The Holidays
A couple of months ago I had an interesting conversation with an exciting younger client. She expressed concern about who would provide care for her aging parents and how that could be paid for. She and her siblings all live in...Read More
Financial Planning: Sudden Windfall
As the leaves change color and the weather here in the Midwest gets progressively colder I'm reminded of the only certainty in life-Constant Change. One of my dear friends and clients reached out to me earlier this week and mentioned...Read More
Does your financial advisor understand your student loans?
Does your financial advisor understand your student loans? Three questions to ask to find out. Student loan debt has become an enormous issue for many people over the past couple of decades. It affects the student’s finances for...Read More
What does your ideal retirement look like?
Last week we hosted a painting event to allow everyone an opportunity to visualize their ideal retirement. As everyone began to paint, it was clear that people's preferences were quite different from the person sitting right next to...Read More
Have you considered a Credit Freeze to protect your credit & your minor child’s credit?
Have you considered a Credit Freeze to protect your credit & your minor child’s credit? Data breaches seem to be the top news headline in our day and age. Some big headlines include the most recent, where Capital One was hacked...Read More
So what is Financial Planning?
I hope you are enjoying your summer so far! Wanted to wish you a Happy 4th of July 🎆 I am off to Europe today to explore the scenic castles from “King's Landing” (for all GOT fans) and eat cevapi on the streets of Sarajevo...Read More
May is Disability Insurance Awareness Month
May is Disability Insurance Awareness Month. I thought this was an important topic to cover, one that is often overlooked especially by small business owners. As Financial advisors, we focus a lot of our time on investing. Typically...Read More
Financial things to consider when expecting a baby
So one of my best friends is having her first baby! I am very excited for her for so many reasons, and I admit-one of them is selfish. Since having my two boys 4 years ago life hasn't been the same. I no longer go to the "adult only"...Read More
Couples and Money
I recently had a meeting with a couple I've been working with for over a year now and I was delighted to hear that they no longer fight about money. That may not seem like a big issue, but disagreements over money is the second biggest...Read More
So you want to save more money in 2019?
So you want to save more money than you did in 2018? This is a top new year resolution for the majority of Americans, so let’s talk about it. I am a big proponent of new year resolutions, and so every year I sit my reluctant...Read More