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

2021-07-01T13:54:24+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

2021-07-01T13:41:44+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, [...]

Election 2020 – Where Do We Go From Here?

2021-06-07T14:07:24+00:00November 10, 2020|Blog, Investments, Trending Topics|

For the nation, 2020 has been one of the most difficult years in memory. We are grappling with Covid and its fallout, economic upheaval, racial tensions, wildfires, hurricanes, a presidential election, and a polarized electorate. Despite this year’s difficulties, a strong economic recovery, record low interest rates, and an aggressive stance by the Federal Reserve have helped the major market indexes rebound from March’s steep sell-off. But where do we go from here? What’s in [...]

Presidential Elections & The Stock Market: Is There a Correlation?

2021-06-07T14:00:02+00:00October 27, 2020|Blog, Investments|

Sex, lies and accusations of corruption - no election year is complete without them. And while the 2020 election has proven to be one of the most contentious in recent history, contention is nothing new in the world of politics. From the political match-up of Jefferson v. Adams to this year’s Biden v. Trump, mud has always been slung, accusations have always been made and many Americans have found themselves uncertain of a future under [...]

Identity Theft Insurance: A Guide

2021-06-07T13:58:14+00:00October 20, 2020|Blog, Financial Roadblocks, Insurance|

In 2019, 14.4 million people were victims of identity theft.1 Identity theft can happen in a number of ways - in-person, online, over email or on the phone. However it occurs, identity theft affects a large number of people per year. In order to fix the mess left in the wake of identity theft, it can cost the victim considerable time and money. That’s where having identity theft insurance can come in handy. Identity theft insurance [...]

The Social Security Administration Has Announced Cost of Living Adjustments & Tax Changes For 2021. Here’s What You Need to Know.

2021-06-07T13:58:11+00:00October 15, 2020|Blog, Retirement, Taxes|

On Tuesday, October 13, 2020, the Social Security Administration released important facts and figures for 2021 - including cost-of-living adjustments (COLA) for retirees and tax changes for the currently employed. The Good? Benefits Are Increasing Those receiving Social Security benefits will see a 1.3 percent COLA increase in 2021. This change will impact around 70 million Americans - including 8 million SSI beneficiaries.1 For the average retiree receiving Social Security benefits in January 2021, this [...]

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