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Balancing 401(k) and HSA Contributions

Hopefully you are lucky enough to have the opportunity to contribute to both a 401(k) and a health savings account (HSA) through your employer. If you're wondering how best to take advantage of them, read on for some tips about how best to take advantage of these two employer benefits.
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Five Times in Your Life When You Might Need Help with Your Finances

Did you just get engaged? Do you have children? Are you buying a new home? Are you wondering when you can retire? Read on for tips on how to navigate these life transitions.
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Eleven Ways to Help Yourself Stay Sane in a Crazy Market

Keeping your cool can be hard to do when the market's on a roller-coaster ride. That's why useful to have strategies in place that prepare you both financially and psychologically to handle market volatility. Read on for 11 tips to help you put things into perspective.
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How Much Money Should a Family Borrow for College?

There is no magic formula to determine how much you or your child should borrow for college. But there is such a thing as borrowing too much. How much is too much? Read on to find out.
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Is It Time to Declare Your Financial Independence?

It's almost the 4th of July, so we thought it apt to share some tips about how to work towards your own independence--financial independence, that is! No matter how much money you have or which life stage you're in, becoming financially independent starts with a dream. Read on to learn more.
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Have You Checked Your Tax Withholding Lately?

If you were unpleasantly surprised by the amount of tax you owed or the amount of your tax refund when you filed your 2018 tax return, it may be time to check your withholding. Read on for some tips on what to look for.
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9 Things a Business Owner Should Know After Tax Reform

As a business owner, you should be aware of some recent federal tax legislation changes. Many of the changes can affect the bottom line for the business as well as you as the business owner — some in a good way and some in a bad way. Read on to learn more.
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Women: Are You Planning for Retirement with One Hand Tied Behind Your Back?

Women can face unique challenges when planning for retirement. Read on for tips on how to overcome them.
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Key Retirement and Tax Numbers for 2019

As we recover from the holidays and get through some dark and cold winter days, most of us are getting prepared to file our taxes. Every year, the Internal Revenue Service announces cost-of-living adjustments that affect contribution limits for retirement plans and various tax deduction, exclusion, exemption, and threshold amounts.
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What Are the Costs of the Government Shutdown?

The longest government shutdown in U.S. history ended after 35 days on January 25, 2019. Read on for a look at the estimated cost to the U.S. economy, as well as the effect on public safety and other government services.
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Don't Let Market Headlines Get the Best of Your Emotions

There were certainly a lot of news headlines during the holidays about the market. This left some of us feeling like the Grinch disrupted our Christmas cheer! Since December, we've seen a lot of volatility in the stock market. Read on to hear how we feel about the market outlook in 2019--and why it's important to temper what you read in the headlines.
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Our Thoughts on Recent Market Volatility

We've seen a good deal of market volatility this month. Does this mean that it's time to worry? What are some of the possible reasons for this pullback? And, is this to be expected this time of year? Read on to find out.
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Why You Need a Retirement Plan in Writing

Getting your retirement strategy down on paper may help you define just what you need to do. Many people save and invest vaguely for the future. Don't let that be you! Consider working with a financial professional on a written financial plan.
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New Reports Highlight Ongoing Challenges for Social Security and Medicare

Most Americans will receive Social Security and Medicare benefits at some point in their lives. A lengthy report produced each year by the Trustees of the Social Security and Medicare Trust Funds highlight some of the financial challenges facing these programs. Read on for a summary of the report findings.
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Economic Outlook: This Bull is Old, But Not Sick

While flat returns and increased market volatility may make some investors uncomfortable, we continue to see the overall economic outlook in a positive light and expect moderate growth through the end of the year. And as always, we feel staying the course is the best long-term strategy. Read on for details about the economic outlook for the remainder of 2018 and beyond.
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Beware of Lifestyle Creep

Sometimes more money can mean more problems. Oftentimes, the more money people earn, the more money they tend to spend! Read on for tips on how avoid lifestyle creep!
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It's Time to Spring Clean Your Finances

Spring has sprung. You know what that means. Time to spring clean! Why not get your financial house in order, too? Read on for some tips on how to get your paperwork and finances in order!
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Checking In With the Markets

While tranquil periods won't last forever, one can never try to time a peak or trough in the market. Corrections can come suddenly, surprising the most astute market observers.There is no one out there that can consistently call the tops and bottoms in the market, period. However, we can think about what may be ahead.
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Is Now the Time to Convert your IRA into a Roth?

There are many different ways you can shelter your savings from taxes. It is a powerful incentive for us to save for retirement. We contrast the differences between traditional and Roth IRAs, and show why it might sense given the new tax code to convert to a Roth this year.
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Tips for Paying Off Credit Card Debt

Need some ideas for paying off credit card debt? Nowadays, it's easier than ever to get caught up in the cycle of credit card debt. According to the Federal Reserve, total U.S. credit card payments reached 111.1 billion in 2016, up 7.4% from 2015. Make 2018 the year you pay off your credit cards!
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How to Protect Against Identity Theft

Massive computer hacks and data breaches are now common occurrences and an unfortunate consequence of living in a digital world. Here are some steps you can take to protect your personal and financial information.
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What Will You Pay for Medicare in 2018?

The Centers for Medicare and Medicaid Services (CMS) has announced the standard monthly Part B premium in 2018, which is increase from 2017. Due to a provision in the Social Security Act called the "hold harmless" rule, Medicare premiums for existing beneficiaries can't increase faster than their Social Security benefits. Read on to learn more.
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Tax Cuts and Jobs Act: Impact on Individuals

On December 22, 2017, President Trump signed into law the Tax Cuts and Jobs Act, a sweeping $1.5 trillion tax-cut package that fundamentally changes the individual and business tax landscape. While many of the provisions in the new legislation are permanent, others (including most of the tax cuts that apply to individuals) will expire in eight years. Some of the major changes included in the legislation that affect individuals are summarized below.
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A Brief Year in Review for 2017

As we head into the final lap, 2017 has been a banner year for stocks not just in the U.S., but around the world. The U.S. economy grew at 3.3% in Q3. S&P 500 earnings are up a solid 8.4% versus a year ago. Strong gains in the market sometimes encourage investors to plow headfirst into stocks. Others openly wonder if it’s time to move to the sidelines. Let us tell you market timing is a game best left to gamblers.
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Investment Basics: Setting Your Goals

Setting goals is an important part of financial planning. Before you invest your money, you should spend some time considering and setting your personal goals. For example, do you want to retire early? Do you need to pay for a child's college education? Would you like to buy or build a new house? In addition to these, there are several other considerations that can help you and your financial professional develop your plan.
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Honoring Eldon Laidig, 1932 - 2017

It is with great sadness that we announce the passing of our firm's longtime financial advisor and friend Eldon Laidig.
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How Millennials and Baby Boomers Invest

Millennials have overtaken Baby Boomers as the largest population. Learn the investment differences and similarities that exist between the two generations.
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Medicare Open Enrollment Begins October 15

What is the Medicare open enrollment period? The Medicare open enrollment period is the time during which people with Medicare can make new choices and pick plans that work best for them. Each year, Medicare plans typically change what the plans cost and cover. In addition, your health-care needs may have changed over the past year. The open enrollment period is your opportunity to switch Medicare health and prescription drug plans to better suit your needs.
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The Election is Over, Now What?

The election produced an unexpected outcome and caught the markets by surprise. When a Trump victory seemed likely late in the evening on election night, Global stock markets were volatile and Dow futures saw a significant drop.
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Trumped Up Market

A look at the market's reaction to the inauguration of our 45th President, and what we might expect going forward.
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Ahead of the Curve on DOL Fiduciary Rule

The Department of Labor (DOL) rule was created to introduce the concept of fiduciary duty to investors. At PBS Wealth Management, we have always worked as fiduciaries by putting our investors' interests first.
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Inflation and the Market

As the US and global economies expand, we are seeing inflation return. Many people are nervous that we are entering a period of hyperinflation. However, this inflation is long overdue and part of an overall cyclical trend. While it is not considered hyperinflation, it will most certainly affect the financial markets.
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PBS Wealth Management Celebrates 40 Years

Since 1977, PBS Wealth Management Consultants has supported clients to meet their life goals through proper financial resource management-building trust and demonstrating commitment to investment education along the way. This milestone is a testament to the hard work, dedication and commitment of our associates.
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The Equifax Data Breach

On September 7, 2017, Equifax, one of the three main credit reporting agencies, announced a massive data security breach that exposed vital personal identification data. Here's what to do to protect yourself.
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The Power of Compound Interest

You know it's important to save for emergencies, your kid's college education, retirement. But why else is saving now so important? Compound interest. It's an easy way to increase what you're saving, and if you get started now, you can let compounding potentially grow your retirement savings. You'll start by earning interest on your investments, after which that interest will earn interest on itself, and so on through the years.
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Check the background of this financial professional on FINRA's BrokerCheck
Check the background of this financial professional on FINRA's BrokerCheck