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 [...]

[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 [...]

New Year Starts with Record Highs

2017-01-09T16:10:05+00:00January 9, 2017|Market Commentary|

Weekly Update – January 9, 2017 The first trading week of 2017 is over, and during this time, all three major domestic indexes hit record highs. The DOW reached 19,999.63 in intra-day trading on Friday, January 6 —just 0.37 away from achieving 20,000 for the first time. On the same day, the S&P 500 and NASDAQ both closed at record highs. For the week, the S&P 500 was up 1.70%, the Dow gained 1.02%, and [...]

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