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 [...]

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 [...]

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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