Insights + Resources

Epic Insights

Market Update: Big Week for Market Watchers

Aug 5, 2022

Last week was epic for market-watchers. A Federal Reserve (Fed) rate hike, a much-anticipated gross domestic product (GDP) report, and the busiest week of earnings season got most of the headlines. There was even a surprise out of Washington D.C., with a Schumer-Manchin agreement on a climate-healthcare-tax bill and some inflation data that added to the evidence that inflation has peaked. (more…)

Tags: Certified Financial Planner Charlotte NC, charlotte NC, Current Events, financial advisor charlotte nc, Investing

Required Minimum Distribution 101

Aug 3, 2022

If you are approaching your seventies, get ready for required minimum distribution. You may soon have to take RMDs, as they are called, from one or more of your retirement accounts. (more…)

Tags: Certified Financial Planner Charlotte NC, charlotte NC, Financial Planning, Investment Planning, retirement, Retirement Planning

1.34 Billion Reasons to Be Prepared for a Windfall

Aug 1, 2022

What would you do with a windfall? It’s a question I’ve read or heard a lot lately. Considering the Mega Millions jackpot ballooned to $1.34 billion, yet the lucky winner has yet to be revealed. It’s safe to say most of us have thought about what it would be like to win. (more…)

Ways to Repair Your Credit Score

Jul 29, 2022

We all know the value of a good credit score. We all try to maintain one. Sometimes, though, life throws us a financial curveball and that score declines. What steps can we take to repair it?

Reduce your credit utilization ratio. Your credit utilization ratio (CUR) is the percentage of a credit card’s debt limit you have used up. Simply stated, if you have a credit card with a limit of $1,500 and you have $1,300 borrowed on it right now, the CUR for that card is 87%. Carrying lower balances on your credit cards tilts the CUR in your favor and promotes a better credit score. (more…)

Tags: Credit Repair, financial advisor charlotte nc, Financial Planning

Insurance When You Marry After 40

Jul 27, 2022

When you marry, you buy life insurance. Right?

You buy it out of consideration for your spouse, and also realize that in the even of either your untimely death or your spouse’s untimely death, your household could be left with one income to shoulder expenses that may not lessen. (more…)

Tags: Insurance

Retirement Seen Through Your Eyes

Jul 25, 2022

How do you picture your future? If you are like many contemplating retirement, your view is likely pragmatic compared to that of your parents. That doesn’t mean you must have a “plain vanilla” tomorrow. Even if your retirement savings are not as great as you would prefer, you still have great potential to design the life you want.

With that in mind, here are some things to think about. (more…)

Tags: Certified Financial Planner Charlotte NC, financial advisor charlotte nc, Financial Planner Charlotte NC, Retirement Planning

What Happens When There Are No Beneficiaries

Jul 22, 2022

Some accounts have no designated beneficiary. Rarely, the same thing occurs with insurance policies. This is usually an oversight. In exceptional circumstances, it is a choice. Without beneficiaries what happens to these accounts and policies when the original owner dies? (more…)

Tags: Certified Financial Planner Charlotte NC, Financial Planning, Legacy, retirement, Retirement Planning

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