Author: Angela Robinson

Million

How Much is a Million Dollars Really Worth?

That is the million-dollar question…no pun intended. It sounds like a lot – and it is – but well, it’s not. It is exciting when that life event you’ve been anticipating finally occurs: retirement or selling your ranch or business. It is especially exciting when there is a seven-figure check involved. However, it is important…
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May 10, 2023 0
Got Cash?

Got Cash?

How quickly we have arrived! Cash was earning almost zero if you had a savings, money market, CDs, etc. Now it appears to be the hero. Day-to-day interest rates are fluctuating. Sometimes the moves are drastic, but here are some recent yields. Savings accounts earning over 4%, 3-month treasuries hover around 5% yield, and CDs…
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May 3, 2023 0
8 Life Planning Issues

Preventative Financial Care

The August 2008 Money Magazine offered up an article of several successful individuals talking about the smartest financial advice they have ever received. Billionaire and CEO of Virgin records, Richard Branson shared a story about his lack of knowledge in the financial realm and being humble about what you don’t know. Have you ever noticed…
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April 19, 2023 0
Long-Term Care

Long-Term Care Insurance

If I never use it, I don’t get anything back. Yes, that is absolutely true of basic long-term care insurance. I say basic because hybrid plans exist that co-mingles LTC insurance with life insurance or annuities—but that’s a different subject for a different day. Today I would like to share a story with you: Several…
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April 13, 2023 0
Peace

Finding Peace in Turbulent Times

May you live in interesting times… Did you know this expression is actually the translation of a Chinese curse? Everyone desires peace and though “interesting times” can be anything, they are not usually peaceful. There is no doubt that we live in interesting times: Ukrainian war Artificial intelligent chatbots Political chaos Financial uncertainty Chaotic weather…
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April 5, 2023 0
Book

Top 5 Retirement Books

A question we are often asked is, “What should we be doing before we retire?” One of the most important things to do is to start practicing retirement now. Too many people enter retirement unprepared. Don’t let that be you. Here are the top five must reads to help you start practicing your retirement: Power…
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March 27, 2023 0
Cut Taxes

Are You Doing Everything You Can to Save Taxes?

Most business owners have a similar story…They started out scraping and saving just to pay taxes, working with their accountant every year to get the tax they owed Uncle Sam down to the bare minimum. As time moved on, they restructured to an ‘entity’, bought equipment, changed their accounting a time or two, and maybe…
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March 21, 2023 0
Prioritize

Prioritizing Your Dollars

Money is tight for many families today. Just a couple of years ago, most Americans felt pretty good. We had higher than ever real wages, the government was pumping money into the economy, and prices were cheap. Today these are mere memories: Families are being squeezed by both inflation and the government pulling money out…
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March 16, 2023 0
Roth

Do You Like Tax-Free Money?

That was a rhetorical question, but for good reason: to get your attention. Only 15% of US households contributed to a traditional or Roth IRA in tax year 2021. 1. This means even less than that contributed to a Roth IRA since this percentage accounts for both types of contributions. You may be aware that…
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March 7, 2023 0
Family Business

A Family Business is Still a Business

It doesn’t matter whether you own a Mom-and-Pop shop, a family farm or ranch, a Fortune 500 company or anything in between…When you have a family business, you often need a reality check to keep your business what it it—a business. I obviously work with family members every day. I often catch myself using a…
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February 14, 2023 0

Securities offered through Calton & Associates, Inc. member FINRA and SIPC, a Registered Investment Adviser. 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.