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Student Loan Debt Just Crossed $1.7 Trillion, How To Save Your Finances From This Startling Statistic

2021-09-01T16:41:42+00:00September 15, 2021|Blog, College Planning, Investments|

Earning a degree is often part of the “American Dream,” making it an accomplishment worth working toward. And while graduating from college is a collective dream, the cost of obtaining it can be somewhat of a nightmare. On average, earning an undergraduate degree results in about $36,510 in student loan debt. For those earning a master’s? That number nearly doubles to $71,318 (according to educationdata.org).  Keep in mind that the type of degree one earns [...]

How To Create A Family Budget You’ll Actually Want To Stick With

2021-09-01T16:30:24+00:00September 1, 2021|Blog, Cash Flow Analysis, Family Financial Information|

Budgeting is (for most people) a concept far easier said than done. Setting a budget is one thing, but sticking to it can feel tedious and limiting.  The snag is, building and following a budget serves as the foundation of solid family financial planning. If you know you should do it but haven’t had much luck in the past, the question remains:  How do I build a budget I’ll actually stick to? Thankfully, the answer [...]

The Powerful Estate Planning Checklist No New Parent Should Be Without

2021-09-01T16:41:50+00:00August 15, 2021|Blog, Estate Planning, Family Financial Information|

As you're knee-deep in nursery colors, registries, and picking out the perfect name for your new baby, your estate plan is likely at the bottom of your to-do list.  Growing families have a unique set of needs and considerations when it comes to their wealth. As strange as it may seem, having a plan for when you’re gone should be near the top of the list.  How will your money be distributed if you were [...]

4 Top Money Boundaries To Set With Your College-Bound Teen

2021-07-31T01:21:40+00:00August 1, 2021|Blog, College Planning, Family Financial Information, Financial Roadblocks|

As a parent of a college-bound teenager, you likely have a lot on your mind. How will they adjust to campus life? Will they find something they are passionate about? How much will it all cost? College doesn’t come cheap, and it isn’t just the University bill you have to worry about. You certainly want to avoid college credit cards gone wild. While you can’t be there at checkout with them, you could do something [...]

College Costs How Much? Why School Is So Expensive and Tips To Save Better

2021-07-31T01:08:55+00:00July 15, 2021|529 Savings Plan, Blog, College Planning, Family Financial Information|

As many of you probably already know, the average cost of college in the United States has skyrocketed over the last couple of decades. In a 20-year time frame (according to educationdata.org), the average price per year has tripled and is now roughly $35,720. That is $142,880 for a 4-year degree!   Why have college costs ballooned so much? What can parents and students do to prepare for this financial burden? College Tuition Is On The [...]

Risk and Investing: How To Keep Your Head and Your Heart on The Same Side

2021-07-31T01:08:25+00:00July 1, 2021|Blog, Investments|

When it comes to long-term investing, the numbers are simply one piece of an enormous puzzle. The remaining pieces of that puzzle consist of your “why.”  Why are you investing in the first place?  Are you building up your nest egg for emergencies or unexpected expenses?  Are you preparing to send your kids to school?  Is it finally time to start chipping away at the downpayment on your dream vacation home?  With every vital goal [...]

Our 6 Principles For Strong Long-Term Investing

2021-07-01T13:54:06+00:00June 15, 2021|Blog, Investments|

Many people think about investing as anxious day trades, and alternating red and green market feeds.  While these granular market features have their place, we think it's best to zoom out and think about investing as a race of endurance, not speed.  It's our goal to help clients build wealth to reach their goals, and we've found the best way to do that is to take a long-term approach to investing.  Today, we'll dive into [...]

What Do Golden Birches and Financial Planning Share? Chladek Wealth’s Brand Story

2021-07-01T13:54:14+00:00June 1, 2021|Blog, General Financial Planning|

"Someone is sitting in the shade today because someone planted a tree a long time ago." Warren Buffett.  These powerful words beautifully articulate the true essence of financial planning—time.  It takes time to build wealth and use it to fulfill your goals and dreams. Financial plans aren't built and accomplished in a day. Think about it like this; you can’t save for retirement in a year—it takes decades. Instead, true financial planning is about creating [...]

Checklist For Year-End Planning

2021-06-08T12:27:14+00:00December 8, 2020|Blog, General Financial Planning, Taxes|

Looking to year end I know it’s a busy time. But it’s not too soon to start thinking about taxes. Many questions about the new administration have come my way, including questions about new tax proposals. Joe Biden’s plan is aggressive, but it may not get out of the starting gate if the Republicans hold the Senate. As you probably know, two early January runoffs in Georgia will determine the fate of the upper chamber. [...]

With COVID-19 Concerns, Cyber Monday Will Be Crucial For Holiday Shoppers. As You Shop, Keep These 7 Cybersecurity Tips in Mind

2021-06-07T14:07:54+00:00November 17, 2020|Blog, Holiday, Lifestyle|

According to a recent survey, 87 percent of U.S. adults feel that the risk of becoming a victim of a cybercrime is growing.1 In fact, online crimes including server breaches are the single largest criminal threat facing small businesses. For large and small businesses alike, it should come as no surprise that more Americans have been shopping online due to the COVID-19 pandemic - and this trend will likely continue until the pandemic subsides. In fact, [...]

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