Laddering your certificates is an attractive investment strategy for new and seasoned investors looking to diversify their portfolios. With laddering, you will be able to decide how you want to split up your investments and whether to reinvest each time a certificate matures. By opening multiple certificates with staggered maturity dates, you have the potential to earn better returns while keeping your money safe.
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Procrastination can cause missed deadlines, missed opportunities, and just plain missing out.
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The greatest gift of long-term care insurance is that it allows loved ones to supervise your care and not have to provide your care.
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Life changes like outliving a partner, divorce, and becoming a primary caregiver for a loved one can all affect one's financial earning and investment potential. This guide is designed to encourage you to take control of your financial life.
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Each month, you settle down to pay bills. You pay your mortgage lender. You pay the electric company. You pay the trash collector. But do you pay yourself? One of the most basic tenets of sound investing involves the simple habit of “paying yourself first” – in other words, making your first payment of each month a deposit into your savings account. The saving patterns of Americans vary widely. And too often, short-term economic trends can interrupt long-term savings programs. For example, the U.S. Personal Savings Rate jumped from 3.5% to nearly 8% in May 2008 during the housing and banking crisis. It then rose and fell sporadically as the economic environment appeared to stabilize. It peaked in December 2012 at 12%. As of 2021, the average rate has once again varied widely between about 15% to 28%, largely due to the COVID-19 pandemic.1
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While finances and health may seem unrelated, the two are often closely intertwined, especially in America's bustling, free-flowing marketplace.
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When the market drops, some investors lose perspective that downtrends and uptrends are part of the investing cycle. When stock prices break lower, it's a good time to review common terms that are used to describe the market's downward momentum.
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Annuity contracts are purchased from an insurance company. In exchange, the insurance company makes regular payments to the buyer — either immediately or at some future date.
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Running a small business carries with it unique financial planning challenges, with money concerns an ongoing burden for those who work for themselves.
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Logix Financial Consultants are experienced financial professionals who will help you work toward your financial goals. Here's how to optimize that critical relationship.
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