Serving successful families and businesses since 1982.


5 Things to Teach Your Kids About Finances

If you’ve spent more than five minutes on a kid’s television network, you’ve seen just how inundated young kids are with commercials for everything from the latest gadget, to some dreadful snack that features something gooey and/or messy. It’s also safe to bet that many of these kids run to their parents, wanting to buy some or all of these items.

Communication: How to Save Your Family in the Legacy Plan

By: Kathleen Longo, CFP®, CAP®, CDFA

When it comes to financial planning, we spend a lot of time talking with our clients about what they want their financial legacy to be. Beyond the money and assets, they will leave to their family and charities they care about, we often discuss how that legacy will be used and what financial philosophies they will leave behind. For example, clients may have misgivings about leaving substantial assets to their children for fear it will spoil them, encourage a poor work ethic, or give them a sense of entitlement. When it comes to giving to charities, our clients often want to make sure their funds are being used for the causes and purposes that are meaningful to them and that they are making the right types of gifts that will make a lasting impact. These concerns and questions are significant, and careful planning, as well as good communication, go a long way in making your legacy impactful and purposeful.

The Myth of Financial Goals: Most People Don’t Know What They Want

By: Kathleen Longo, CFP®, CAP®, CDFA

You have seen it a thousand times: “We help you reach your financial goals.” It is the tagline for the majority of financial advisors. And before you say to yourself, “Well Kathy, we have seen you use those exact words too.”, I will fully disclose that I am as guilty as the next guy or gal. We use it all the time. But it got me thinking about the relationships that we have with our clients and what financial goals planning really means. When we ask people what their goals are we are often given pretty broad answers that don’t quite get to the heart of the situation, much less provide enough information to set an action plan. Answers like, “I want to retire comfortably.”, “I want to save enough to leave money to my kids or to charity.”, or “I want to make sure that what we’re doing is right for the long-term.” are pretty common, but we strive to dig deeper.

Comparing Medigap Plans

Senior Wealth Advisor John Gjertsen, CFA, CFP®, EA. explains the choices regarding health insurance for most Americans over the age of 65. Hint: they can either be overwhelmingly complex or deceptively simple. 

Your Annual Financial To-Do List - 2017

Commodities Corner: February 16, 2016

Energy markets were under pressure as optimism that the global supply glut would ease faded despite an agreement forged this morning between Saudi Arabia, Russia, Venezuela and Qatar to cap production at current rates.

The true cost of college

In some families, parents cover the entire cost of college. In others, the college student pays 100 percent by working his way through school and possibly taking out loans (you have to ask yourself whether this student might have a better appreciation for the educational experience).

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Gary Nagel, Dennis Spratt and James Powers are Registered Representatives offering securities and advisory services through Geneos Wealth Management, Inc., Member FINRA/SIPC, a registered broker-dealer and registered investment advisor. This communication is strictly intended for individuals residing in the states of AR, CA, CO, FL, IA, IL, KS, MA, MD, MI, MO, MN, NC, NE, NM, OK, TX, VA, and WA. No offers may be made or accepted from any resident outside the specific state referenced.

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