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Each year, millions of Americans file their income taxes with the federal government to reconcile their tax bill. While tax season comes and goes every single year, the best time to file your tax return depends on several factors. Most of which have to do with what kind of documentation you need and your personal situation. The IRS generally starts accepting returns in late January, with the typical annual tax filing deadline being April 15th. There is no right or wrong answer as to when you should file your personal income tax return, but there are several factors to think about. Below, we will look at different filing times and best practices to consider.

The financial landscape is always shifting, and when it comes to saving for retirement, a little legislation can go a long way. For example, the SECURE Act 2.0 is a massive bill passed at the end of 2022 that, even now as we enter 2026, is still changing how your employer-sponsored retirement plans [like your 401(k) or 403(b)] will operate...

Patience has been the key so far in 2025. In reality, patience is always the best practice when it comes to investing, but understandably, the first four months of the year tested many people's patience. Thankfully, things have recovered...

Before claiming social security there are some things you should know. When do you meet your full retirement age because that impacts how much you collect. Take a look at your longevity, your Cost of Living Adjustments (COLA) and your spousal benefits. Lastly, keep in mind that there may be taxes and penalties that come with claiming too soon. We realize that this is a complex subject and encourage you to work with a financial planner, CFP® or ChFC® who is proficient in retirement planning.

There are a number of ways to describe the stock market when it is down. Bear Market, Correction, Bubble Bursting, Oversold, Downward Volatility, but rarely do you hear the word “opportunity” in unison with the former. Of course, what I am talking about is Tax Loss Harvesting.

Anyone can seem like a good financial advisor when markets are doing well. The expectation investors have when investing in capital markets is to make money, so when expectations are easy to meet, the bar tends to be set pretty low. However, it’s downturns in the markets that separate great financial advisors from mediocre ones. It’s times like these when people may wonder what their financial advisor is doing during this bear market.

Pre-tax retirement plans have been a favored vehicle of investors and financial advisors for many years. As a financial advisor, I have held the opinion that these plans are one of the, if not the, best way to save for retirement.

Markets continued their banner year in Q3, albeit with some bumps and major rotations. Noticeably, investors preferred small-cap, mid-cap, and emerging market stocks over the dominant force of the “big US tech” stocks...