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 [...]

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 [...]

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 [...]

[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 [...]

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 [...]

Women and Investing Guidebook

2017-05-10T17:35:03+00:00May 10, 2017|Blog, Investments|

Women investors face many challenges to building wealth and securing their financial futures. We developed this resource as a guidebook for women who are seeking perspectives on how to take control of their financial lives. We hope you find useful information that helps you make the most of your financial well-being today and every day. Did You Know? • Women represent 53.2% of professionals in the American workforce. • 57% of women participate in the [...]

401(k) Action Steps To Take Now In Order To Take Charge of Your Financial Life

2017-03-29T18:30:18+00:00March 29, 2017|Blog, Investments|

Research shows the average American employee switches jobs 11 times before retiring. Job changes mean many Americans have old 401(k) plans that may not be allocated properly to help to prepare them for retirement. Every time you change jobs, you need to make some choices about what to do with your old 401(k) so that it keeps up with your financial needs. Generally, you have four basic options with any 401(k): • You can leave [...]

Why You Need More Than a Robo-Adviser

2017-03-23T16:05:07+00:00March 23, 2017|Blog, Investments|

You may have read about the rise of so-called “robo-advisors,” online investing platforms that use computer-generated algorithms to create strategies and manage your money. These platforms provide simple portfolio management with very little human interaction at rock-bottom prices. With the increasing popularity of these platforms, you might be asking yourself: Do I even need a financial representative? We think you do. Here are 7 reasons why: Reason 1 | We Treat You Like a Person, [...]

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