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Wednesday, May 8, 2024

There isn’t a week that goes by when you don’t read about some data breach. Safeguarding your personal information starts with understanding cybersecurity risks, knowing what to look for, and doing everything you can to help protect...

Tuesday, April 16, 2024

At the end of 2025, portions of the Tax Cuts and Jobs Act (TCJA) are set to expire. Many changes will come with the sunsetting of many rules, including the possibility that federal estate and gift tax exemption levels will revert to...

Tuesday, March 26, 2024

As the presidential election race heats up, a common question on investors’ minds is, “How might the looming White House vote impact the markets?” Some may wonder if they should tweak their portfolios or sit tight...

Tuesday, March 12, 2024

Experts estimate there are more than 44 million people with disabilities in the U.S., representing 13.4% of the population.1 Many parents of children with disabilities choose to establish a special needs trust. This can help provide...

Monday, February 12, 2024

Money can be a touchy subject, especially regarding our closest relationships. Whether we like it or not, finance plays an integral role in our partnerships, families, and friendships. So, how can we foster healthy attitudes and...

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Tuesday, February 6, 2024

In the ever-evolving financial landscape, staying informed about the latest changes and potential implications for your retirement savings is crucial. Shifts in retirement regulations define 2024, and we’re committed to keeping...

Thursday, February 1, 2024

              One of my most frustrating issues of being a parent, is the lack of school education regarding money and personal finance.  My children were required to take History, Trigonometry,...

Thursday, February 1, 2024

Does anyone like to pay taxes?  Most of my clients tolerate paying taxes like eating their least favorite vegetables.  They are difficult to calculate and hard to understand, especially with a business generating uneven cash...

Thursday, February 1, 2024

              Should you pay off your mortgage early?  This is a common question that financial planners get, and the answer is not always what you may be thinking...

Thursday, February 1, 2024

With a labor shortage and looming recession, attracting the right employee is more important than ever.  Many small businesses are struggling to find qualified candidates.  Other than wages and healthcare, how can you make...

Thursday, February 1, 2024

As we usher in the new year, it is an opportune time to make financial resolutions that will secure your financial future.  Whether you are new to investing and personal financial planning or you are approaching retirement and...

Tuesday, January 9, 2024

It’s a fun time of year for football fans. The NFL playoffs are starting, and the Big Game is just around the corner. While football fans will tune in for the matchups, commercials, and Usher’s Big Game halftime show, you...

Tuesday, January 9, 2024

With the start of the new year, we wanted to discuss a topic that will likely garner attention throughout 2024: the potential sunsetting of the Tax Cuts and Jobs Act (TCJA) in 2025. Although some of the provisions within the TCJA are...

Monday, December 11, 2023

Your Child is Turning 18: Handling Healthcare, Academics, and Finances Together As your child blows out the candles on their 18th birthday, you may still see your baby girl or boy. But in the eyes of the law your child is considered a...

Monday, December 4, 2023

As we get ready to turn the page on 2023 and welcome the new year with all its possibilities, we’d like to take some time to reflect on the year that was—the notable events, trends, and developments that defined our...

Monday, November 20, 2023

If you or a loved one has been diagnosed with Alzheimer's disease or any other form of dementia, this can be an extremely challenging time. While promising new treatments are developing and research continues, a cure remains elusive....

Wednesday, November 8, 2023

Divorce is one of the most stressful life events. Even the most amicable splits can be complicated and emotionally draining. We likely all know couples who have gone through divorce, and it can be a trying time for everyone involved....

Tuesday, November 7, 2023

Should you pay off your mortgage early?  This is a common question that financial planners get, and the answer is not always what you may be thinking.  According to the Federal Reserve Bank of St. Louis, historic mortgage...

Tuesday, November 7, 2023

One of my most frustrating issues of being a parent, is the lack of school education regarding money and personal finance.  My children were required to take History, Trigonometry, English and numerous other courses.  They...

Tuesday, November 7, 2023

Does anyone like to pay taxes?  Most of my clients tolerate paying taxes like eating their least favorite vegetables.  They are difficult to calculate and hard to understand, especially with a business generating uneven cash...

Tuesday, November 7, 2023

It seems as if we have been waiting for a recession for quite a while now.  Economists initially thought 2022 would bring a recession.  Certainly, it seemed as if a recession was inevitable as the stock market (S&P 500)...

Wednesday, November 1, 2023

While we haven’t yet said goodbye to 2023, it’s not too early to begin thinking about any tax changes that may be on the horizon. The Tax Cuts and Jobs Act (TCJA) of 2017 was designed to overhaul the federal tax code by...

Tuesday, October 17, 2023

SECURE 2.0: Changes Going Into Effect in 2024 Passed in 2019, the SECURE Act was the most substantial retirement legislation in over a decade. It contained important changes designed to help investors save more and be better prepared...

Tuesday, October 3, 2023

Time to Think About Year-End Financial Strategies As we roll into fall and the fourth quarter, now is a good time to pause and reflect on proactive ways to set up your finances for 2024. Economically speaking, we are now in a much...

Tuesday, September 26, 2023

While artificial intelligence (AI) is making headlines today, the concept of "thinking machines" can be traced back to ancient philosophers and mathematicians. The phrase artificial intelligence was first used in the mid-20th century,...

Tuesday, September 12, 2023

Social Security, the program you may have spent a lifetime paying into, is designed to offer stability, supplemental income, and other valuable benefits that can play a role in your overall financial strategy after you retire. We've...

Tuesday, September 5, 2023

If you ask the average investor which month is the most volatile for the stock market, they will probably say October. It's a reasonable answer, but it's incorrect. Despite October's reputation for market-defining events like the...

Tuesday, August 22, 2023

As financial professionals, we understand how vital it is to safeguard your personal and financial information. Unfortunately, in our increasingly digital world, cybersecurity risks, such as phishing attacks, have become a prevalent...

Tuesday, August 1, 2023

Changes are coming to the complicated form that students must submit to qualify for college financial aid, known as the Free Application for Federal Student Aid (FAFSA).The Department of Education is calling it the “most...

Tuesday, July 25, 2023

IntroductionOver the last several months, I have met with quite a few self-proclaimed do-it-yourself (DIY) investors who, after struggling with the markets in 2022, approached me asking for a second opinion. Interestingly, almost every...

Wednesday, July 12, 2023

Trombley Associates Investment and Retirement Planning             Should you pay off your mortgage early?  This is a common question that financial planners get, and the...

Tuesday, July 11, 2023

Changes to 529 plans in the SECURE 2.0 ActThe SECURE Act was initially passed by Congress at the end of 2019 and was intended to improve retirement savings opportunities. It was a big deal at the time and the most significant piece of...

Thursday, July 6, 2023

What if your child needs braces? The cost may be as much as $6,000 for metal braces—more modern versions can run as much as $13,000. Your health insurance may cover only a portion of the cost. If you're well past the braces stage...

Thursday, June 22, 2023

Getting your affairs in order and outlining what you want done with your estate after you’re gone is one of the greatest gifts you can leave your loved ones. However, not preparing for the transfer of your assets can lead to...

Wednesday, June 14, 2023

6/14 Navigating the Costs of Senior Care: Tips for Preparing for Long-Term CareSenior care costs can be overwhelming, particularly when long-term care is required due to illness or medical conditions. With the number of seniors in the...

Thursday, May 25, 2023

Estate management can be a complex and daunting task for many people, but it’s a critical step in helping your assets get managed and distributed according to your wishes.One popular tool that can be used in estate strategies is...

Thursday, May 11, 2023

Economies move in cycles – always have, always willThe Federal Reserve has been steadily increasing interest rates in an attempt to slow the rate of inflation. Its efforts are yielding some results, although inflation remains...

Friday, May 5, 2023

With a labor shortage and looming recession, attracting the right employee is more important than ever.  Many small businesses are struggling to find qualified candidates.  Other than wages and healthcare, how can you make...

Friday, May 5, 2023

It seems as if we have been waiting for a recession for quite a while now.  Economists initially thought 2022 would bring a recession.  Certainly, it seemed as if a recession was inevitable as the stock market (S&P 500)...

Friday, May 5, 2023

One of my most frustrating issues of being a parent, is the lack of school education regarding money and personal finance.  My children were required to take History, Trigonometry, English and numerous other courses. They were...

Friday, May 5, 2023

             Navigating a divorce is not for the faint of heart.  The emotional component is difficult enough, but the financial result can be devastating.  In a marriage, many couples...

Friday, May 5, 2023

The Internal Revenue Service has announced one of the biggest jumps in decades to the cap on 401k contributions.  Americans will be able to save 10% more in their plans by making pre-tax contributions if they take full advantage...

Friday, April 28, 2023

Fun fact: You probably have dozens of credit scores out there, and each one might be a different number.You’re probably familiar with a credit score, why it’s essential, and what it’s used for, but do you know how...

Monday, April 17, 2023

Discussing personal finances is important for any couple preparing for marriage. However, this topic can be more complicated for those who remarry later in life.If you’re remarrying later in life, one of your goals should be to...

Wednesday, April 12, 2023

As we get older, it’s important that our adult children are prepared to manage any aging-related situations that may arise. This includes everything from having to make medical and financial decisions to determining assisted...

Monday, March 20, 2023

Every parent wants the best for their children and strives to prepare them to lead a happy, healthy, and successful life. But, despite understanding the importance of financial responsibility, only 28 percent of parents speak to their...

Monday, March 6, 2023

Transitioning from Private Health Insurance Plans to MedicareAs you approach retirement age, you may be anticipating transitioning from your private insurance to Medicare, which is a federal health insurance program that provides...

Wednesday, February 15, 2023

According to the Investment Company Institute, near the end of 2022, there was more than $4.7 trillion in cash sitting in U.S. money market funds.1,2While cash can play a role in a diversified portfolio, historically, cash has not kept...

Wednesday, February 8, 2023

By 2040, the U.S. Census Bureau estimates that 80 million people in the U.S. will be age 65 or older.1 Most of these senior adults will either want to—or need to—"age in place," living in their homes securely, independently...

Monday, January 23, 2023

With the possibility of a recession looming, it's natural for those nearing or in retirement to have concerns over their long-term strategies. After decades of accumulating a portfolio, the last thing retirees want is for a market...

Monday, January 9, 2023

When you've worked hard to build your retirement savings, you want to ensure you're taking every preventative measure to protect it. Unfortunately, more and more fraudsters and scammers are weaseling their way into the lives of seniors...

Wednesday, January 4, 2023

In October 2022, the Internal Revenue Service (IRS) announced tax changes for 2023 — changes primarily driven, in part, by the current inflationary environment. For affluent couples or individuals interested in transferring...

Monday, December 12, 2022

In today’s social media-obsessed world full of popular “influencers” targeting teens, pre-teens, and even younger groups, instilling values in your children and grandchildren about what really matters in life is more...

Monday, December 5, 2022

In late October, the IRS announced that it is increasing contribution limits to retirement savings accounts in 2023. The changes, like many you are seeing, are a direct result of months of high inflation and financial uncertainty, some...

Thursday, February 11, 2016

Life has a way of sneaking up on you and creating havoc. How much havoc, I have learned, can depend on how prepared you are. My husband of 20+ years, former professional athlete, fit and full of life, needed emergency heart surgery for...

Wednesday, June 17, 2015

A common question that I hear from clients is “do we need life insurance?” The answer always depends upon your situation. First of all, there are many types of life insurance policies. Some policies with “cash...

Wednesday, June 17, 2015

This seems to be a question that is on the minds of many married couples with college bound children. Those numbers that we hear about for private colleges, $45,000-$55,000/year, are now staring many people in the face. They have...

Tuesday, April 7, 2015

For those of you who need a reminder of why your paycheck is smaller and for those of you who haven’t started investing in your 401k – YES, you need to and this is why. As a reminder, a 401k refers to a section of the tax code that...

Tuesday, April 7, 2015

If you get a refund this year from the U.S. Government, you need to first ask yourself “Why”. Yes, it seems like free money but you just gave Uncle Sam a tax-free loan for the year. Most likely, you are having too much money withheld...

Thursday, October 2, 2014

Generalizations about money & retirement linger. Some have been around for decades, and some new clichés have recently joined their ranks. Let’s examine a few. “When I’m retired, I won’t really have to invest anymore.” Many people see...

Thursday, October 2, 2014

Social Security’s been a fact of retirement life ever since it was established in 1935. We all think we know how it works, but how much do you really know? Here are nine things that might surprise you. 1.The Social Security trust fund...