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Student Debt - 4 Tips to Get Your Finances to a Passing Grade

With the holiday season upon us, you will likely see relatives that you don't get to visit with throughout the year. This is a great article to share with the recent college grads in your life!

So you’ve got your degree, now what?

These days, only on television is landing your dream job after graduation a thing that could actually happen. The reality is, in a recent survey of 503 - recent grads - entry-level job seekers by national career matchmaking firm GradStaf, “nearly 70 percent of respondents were either unemployed or working in a full-time non-professional job to make ends meet.” Pair that with the idea that ‘the average cost of one year at a public university for an in-state student is $20,090. That increases to $34,220 if you hail from out of state,” student debt is something far too many millennials have to face.

Before You Pay for Financial Advice, Read This Guide

At ARS Wealth, we often get asked by prospective and current clients how to differentiate between the different types of financial advisors and firms. This article explains some of the different ways that financial professionals work with the public and the right questions to ask to make sure your advisor is working for you!

Here's how the GOP wants to overhaul the tax system

Christine Wang, CNBC

  • House Republicans unveiled their plan to overhaul the tax code on Thursday.
  • The plan would reduce the number of income tax brackets, raise the child tax credit and preserve popular retirement savings plans.
  • Tax reform has been a major focus for a GOP in need of a legislative win since their failure to repeal Obamacare.

Keep Health Care Costs Down While Caring for a Child with Special Needs

There is no getting around it—health insurance is complex and complicated. You have to have it and there is no one-size-fits-all solution. And, when your child is living with a special need it makes the whole process even more complicated. Finding in-network specialists, scheduling exams, and keeping track of copayments and deductibles can be exhausting. This struggle is all too real for the families and guardians of the 10.2 million U.S. children (14% of all American children), who have special health care needs, according to a Health Resources and Services Administration survey. Because some needs are not identified until the child is of a certain age it can mean a drastic change in the health insurance you’ve always had. Here are a few health insurance elements to consider to best care for your child with special needs.

Equifax Data Breach

Several clients have contacted us with questions following the data breach that occurred at Equifax last week.

Hurricane Harvey

As Hurricane Harvey continues to impact Texas and Louisiana with devastating damage and flooding, our thoughts are with those who are suffering. In an effort to help, TD Ameritrade has announced that it will match client donations to the American Red Cross dollar for dollar up to $500,000, doubling the impact of every dollar given.

Expect to spend more on health care in retirement- even if you're well

The estimate of the cost of healthcare for retirees has been revised upward to $275,000. Experts estimate that a healthy, 65- year old couple will need at least that much to cover their anticipated retirement expenses. Please give us a call if you have questions about your own retirement and health care planning needs, we are happy to help!

Video: Retire to Happiness - Tips to Thrive in the Next Chapter of Life

Let your golden years shine when you set a vision of what you want your life in retirement to be with these tips on family, health and more!

 

5 Common Financial Terms - You Probably Should Know

The financial industry can be a confusing one with industry jargon, lots of tax rules, and tons of acronyms. We are here to help guide you and assist you in understanding what you own and why!

If you’re just starting to take charge of your financial future, it can be stressful approaching financial planning with confidence. Do you ever talk to your bank or financial manager and think that they’re speaking a foreign language? Between acronyms, money talk, and words longer than my arm, it’s no wonder that sometimes going to the bank is similar to going to the dentist - but hopefully not as painful. We wanted to help with that. Here are a few financial terms you should know by heart before consulting a financial professional. After all, you worked hard for your money, don’t let ignorance stand in the way of you and financial success.

Are there budget busters derailing your spending plan?

"Failure to plan, is planning to fail". You may have heard this catchphrase over the years and it has never been more applicable than when we think of budgeting for our expenses. Today's article discusses some preventative measures one can take to avoid blowing the bank!

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