Medicare Open Enrollment Begins Oct. 15th. What Does That Means For Me?

2021-06-07T14:00:18+00:00October 13, 2020|Blog, Insurance, Retirement|

Medicare’s open enrollment period happens once a year between October 15 and December 7. During this time, current Medicare beneficiaries have the option to adjust their coverage for the coming year. This can be a useful option for those who may have recently changed medication, underutilized their current coverage or found they could use additional benefits. How to Search For Medicare Plan Options It shouldn’t take a ton of research to determine what your current [...]

Open Enrollment Begins November 1st. Consider These 4 Tips For Choosing a Health Insurance Plan

2021-06-07T13:38:56+00:00October 6, 2020|Blog, General Financial Planning, Insurance|

Open enrollment (the annual period where you can enroll in major medical health insurance plans), begins November 1, 2020 and will remain open for 45 days, or until December 15. For someone looking to change or add coverage, this offers a short window of time to decide on and select your health insurance plan. Before rushing a decision to meet this deadline, take some time now to review and prepare. Below we’ve rounded up our [...]

[Infographic] Confusion Amidst Covid-19: Understanding the Difference Between the Stock Market & the Economy

2021-06-07T13:37:52+00:00September 29, 2020|Blog, Investments, Market Commentary|

When we think of our own (and the nation's) financial health, we tend to lump a variety of characteristics together - investments, unemployment levels, the Dow Jones Industrial Average performance, etc. It's important to recognize, however, that these benchmarks are not one in the same - and they do not always indicate the status of one another.   Chladek Wealth Management is a fee-only financial planning and investment management firm, in Overland Park, Kansas, serving [...]

10 Hidden Costs of Buying a Home

2021-06-07T13:32:04+00:00September 22, 2020|Blog, Family Financial Information, Real Estate|

Buying a house is exciting - and stressful. When it comes to purchasing your new home, it’s important to be realistic about what you can expect to pay. Beyond mortgage and insurance, there are additional costs all new homeowners need to factor in to their buying budget. We’ve gathered up 10 hidden costs we believe every new homebuyer should be aware of when it comes to purchasing their next home. Cost #1: Property Taxes Some [...]

6 Ways to Overcome Market Psychology

2021-06-09T20:38:42+00:00September 15, 2020|Blog, Financial Planning Psychology, Investments|

Market psychology is the prevailing sentiment of investors (both buyers and sellers) at any point in time. This term is often used to explain sudden movements up or down in the markets. Fear, greed and performance expectations are all factors that contribute to the markets’ overall market psychology. Learning how the market works can reduce the number of surprises you experience and increase the degree of success. If you find yourself unsure how to handle the [...]

Client Letter: Weathering the Storm

2020-04-05T13:06:01+00:00April 5, 2020|Blog, Market Commentary|

I sent the below letter out last week to my clients. After re-reading it today, I decided to post it here for everyone to read.  In difficult times, America’s greatest strength has come from pulling together – working shoulder to shoulder – to generate the ingenuity, resilience and tenacity that solves problems and creates opportunities. We’ll overcome this crisis, too, I have no doubt. From six feet apart, if necessary. One thing I want you [...]

How Our Family Handles Allowance

2020-01-12T15:31:24+00:00January 12, 2020|Blog, Family Financial Information|

Guest Blog Post: I had my wife, Angie, write the blog this month. She and I work together on our family allowance, but I like her simple explanation of our system and thought you would all enjoy hearing from someone else for a change.  We’ve received questions lately about how John and I handle allowance in our family and I thought it would be most expedient if I typed it out in a blog post [...]

What Issues Should I Consider Before The End Of The Year?

2019-12-12T15:34:18+00:00December 12, 2019|Blog, General Financial Planning|

The end of the year provides a number of planning opportunities to address. Click here for a comprehensive checklist of the types of year-end planning issues you should be considering to ensure you maximize cash flow and tax opportunities in the current year and beyond. In this checklist, we cover a number of planning issues that you should consider prior to year-end to ensure your plan stays on track, including: Various issues surrounding your investment [...]

Markets Start Second-Half Slow

2017-07-10T21:53:10+00:00July 10, 2017|Market Commentary|

Weekly Update — July 10, 2017 As the country celebrated the Fourth of July last week, the markets experienced some volatility, though they finished a bit flat overall. The Dow fell then rose to close the week up 0.30%. The S&P 500 climbed a modest 0.07% for the week, and the NASDAQ finished the week up 0.21%. The MSCI EAFE fell 0.48%. Internationally, European markets posted soft gains on Friday, though emerging markets fell for [...]

Mixed Markets Continue

2017-06-20T11:50:35+00:00June 20, 2017|Market Commentary|

Weekly Update — June 19, 2017 Markets remained mixed last week as the Dow closed at another record high, while the NASDAQ fell and the S&P 500 held steady. By Friday, the Dow gained 0.52%, the NASDAQ fell -0.92%, and the S&P 500 gained a slight 0.05%. Meanwhile, the MSCI EAFE remained virtually unchanged from last week, down only -0.002%. In other markets, oil closed at $44.74 a barrel, down 2.4% on the week—its fourth [...]

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