Kansas City Financial Planner - Chladek Wealth Management

4 Things You Can Do With Your 401k When You Leave a Job

John Chladek2022-09-01T20:01:27+00:00September 15, 2022|Blog, Investments|

The average person will hold 12 jobs in their lifetime. Gone are the days of spending your entire professional life with the same company. Each time you change jobs, there is more to consider behind the scenes than just the new role. Mainly your retirement account! An estimated 2.8 million 401k accounts with an average balance of $55,400 are abandoned annually. Don’t leave your hard-earned savings in the dust with your previous employer. Before you [...]

4 Top Money Boundaries To Set With Your College-Bound Teen

John Chladek2021-07-31T01:21:40+00:00August 1, 2021|Blog, College Planning, Family Financial Information, Financial Roadblocks|

As a parent of a college-bound teenager, you likely have a lot on your mind. How will they adjust to campus life? Will they find something they are passionate about? How much will it all cost? College doesn’t come cheap, and it isn’t just the University bill you have to worry about. You certainly want to avoid college credit cards gone wild. While you can’t be there at checkout with them, you could do something [...]

How Elections May Affect the U.S. Economy

John Chladek2016-10-20T14:20:12+00:00October 20, 2016|Blog, Investments|

The 2016 presidential election has been a roller coaster unlike any in recent memory. Amidst the drama, you might be wondering how the outcome will affect the economy and your financial future. You’re not alone. In a recent Bankrate poll, 61% of Americans said they think the election is the greatest threat to our economy over the next six months. That number is more than double the number of people concerned about terrorism, struggling overseas [...]

How much do you need to retire?

John Chladek2014-11-03T01:22:06+00:00November 3, 2014|Blog, Retirement|

Retirement Planning – Have you taken the steps to plan for retirement (and I don’t mean just contributing to your 401k)? In other words, are you on-track to retire when you want? And will you have enough money to make it through retirement? You’d be surprised at how many people don’t really know the answers to those questions. You may have an idea, but do you really feel confident about your answer? For starters, a [...]

Don’t Overspend This Holiday Season! Here’s How…

John Chladek2013-11-21T19:17:15+00:00November 21, 2013|Blog|

I took my two-year old daughter, Lexi, to Trader Joe's yesterday to buy two turkeys. Over the past couple years I’ve picked up the hobby of smoking meat, so I’m going to try smoking a turkey for the first time, and just in case something goes wrong, I'm going to fry the other one. If you've never gone to buy a turkey at Trader Joe's – do it, and take a child with you. Lexi [...]

Yikes: Private College Tuition for 2013 Babies

John Chladek2013-11-19T20:00:48+00:00November 19, 2013|Blog, Family Financial Information|

Did you have a baby this year? We did! Check out these staggering numbers: A child born in 2013 that begins kindergarten in the fall of 2018 would attend college between the years of 2031 and 2035. If that child attended an average private 4-year college and if the annual price increases for private colleges experienced over the last 30 years (+5.7% per year) continued into the future, the aggregate 4-year cost of the child’s [...]

Financial Spring Cleaning: Steps To Take Now

John Chladek2011-05-11T12:59:31+00:00May 11, 2011|Blog, General Financial Planning|

For those of you who filed on time, tax season is over and it’s time to get your financial house in order. I have included a checklist below for 10 steps to take now to ensure that all of your policies are up to date, and records organized so that you’ll be protected in the event of an emergency. 1. Three key items to make sure you own: A fire-proof safe (Class 350), a shredder, [...]