Month: September 2025

Are You Covered?

Do You Really Have Enough Life Insurance?

(Probably Not—And Here’s Why) It’s a question most people avoid asking: Do I need life insurance—or more of it? The truth? Nearly 102 million Americans say they’re either uninsured or underinsured. That’s 42% of the country!1 And since that number is based on people self-reporting, the real figure is likely even higher. But here’s the…
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September 18, 2025 0
Money Question

What Is Your Money Really Making—After Taxes and Inflation?

Your account statement might say you earned 10%, but is that really what you get to keep? Not exactly. Once taxes and inflation step onto the scene, the picture changes—sometimes drastically. For example, let’s say your tax rate is 40% and inflation is 3%. That 10% return suddenly shrinks to an after-tax, real return of…
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September 11, 2025 0

Securities offered through Calton & Associates, Inc. member FINRA and SIPC, a Registered Investment Adviser. SEC registration does not imply a certain level of skill or ability. Investment advisory services offered through Smart Money Group, LLC, a Registered Investment Adviser. Smart Money Group, LLC and Kennedy Financial Services, Inc. are not owned or controlled by Calton & Associates, Inc.