What type of life insurance should you choose?
If you are a first responder, every shift, every moment on the job can be risky. Being prepared for the worst, your death, is the best way to protect your family. A quality life insurance policy can protect your family and help them maintain the same lifestyle you are living today in the event of […]
Market Update for Q1 2025
Welcome to 2025. We hope that everyone had a wonderful holiday season and a great new year. As we wrapped up 2024 we wanted to provide you with a recap of the 4th quarter activity in the markets and economy. As you know, the markets are always changing, and we want you to know that […]
Budgeting TRAP months
Monthly Budgeting in Trap Months: Don’t let these things wreck your financial world! Life throws financial surprises at us all year round, but certain times of the year are notorious for being “trap months”—those months when expenses sneak up on us and derail our budgets. Whether it’s the holiday season, back-to-school time, month’s with extra […]
What the Repeal of the WEP Means for Public Servants’ Social Security Benefits
What the Repeal of the WEP Means for Public Servants’ Social Security Benefits The day we first responders have dreamed about for years, and oftentimes thought would never occur! The passage of H.R. 82, a bill aimed at finally repealing the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) rules, marks a significant moment […]
2025 Income Tax Brackets are out: What You Need to Know
The IRS has officially announced the new 2025 income tax brackets. Understanding these new income tax brackets is crucial for making smart financial decisions, especially with the high likelihood of taxes going up in 2026 when the Trump tax cuts expire if Congress doesn’t act. Let’s break down what’s new and how it could affect […]
Navigating the Public Safety Worker 10% Penalty Exception – Know the facts or it could cost you!!
The Trade Priorities & Accountabilities Act of 2015 (1), along with the Secure ACT 2.0 enacted new rules for qualified first responders for taking distributions from a “qualified” retirement plans, which can allow you to avoid the IRS 10% early withdrawal penalty, but there is a ton of misinformation out there about what you can […]
THE IMPORTANCE OF BUDGETING
A recent Gallup poll revealed that only one-third of American households keep a monthly budget. If you find yourself within the other two-thirds, this article is for you. When you hear the word budget, what do you think of? Restriction? Hassle? Does the thought of keeping a household budget tend to turn you off? If […]
What Type of Insurance Should You Choose
If you are a first responder, every shift, every moment on the job can be risky. Being prepared for the worst, your death, is the best way to protect your family. A quality life insurance policy can protect your family and help them maintain the same lifestyle you are living today in the event of […]
The Debt Snowball Method to Pay Down Debt
When the Forbes 400—the 400 richest people in America—were asked what is the most important key to building wealth? 75% said becoming and staying debt-free was the number one key to wealth building. What do the rich know and practice that the rest of us don’t? Being free from debt! How do you attack your […]
IRAs-401ks – What’s the Difference
I bet you always thought IRA was short for Individual Retirement Account huh? Nope, it’s actually an Arraignment as weird as that sounds. So what are they and how can you use them? There are two types of these IRA’s, a Traditional IRA and a ROTH IRA (named after the late Senator from Delaware named […]