What if one of the most meaningful gifts you could give your grandchildren wasn’t something they could unwrap? What if it was a financial head start? Grandparents often look for ways to help the next generation succeed. Maybe you want to help pay for college, give them a head start on buying a home, help…
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When most people think about retirement, the first things that come to mind are usually financial: Will I have enough money? When can I afford to retire? How much should I have saved? Those are important questions. But after working with individuals and families since 1989 as they approach and enter retirement, we’ve learned that…
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What would happen to your family if something happened to you tomorrow? It’s an uncomfortable question. Most of us would rather think about retirement, vacations, our next business goal, or what we’re having for dinner. But there’s another question worth asking: Would the people you love know what to do—and have what they need—if you…
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What do you want most out of life? It’s a simple question, but the answer can be surprisingly difficult. For many of us, the first answer that comes to mind is happiness. We want to be happy, enjoy our families, experience meaningful moments, and feel like our lives matter. But what if happiness isn’t something…
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Life insurance. Most people own it—or have been told they need it—but do they really understand what they own? Life insurance can be one of the most powerful tools in a financial plan. It can protect a family from financial hardship, provide liquidity, replace income, protect a business, and help transfer wealth. But it can…
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Mr. Jones was a self-made man. He was a successful business owner, a loving husband, and a proud father of three sons who had families of their own. Through decades of hard work, he had built a successful business and eventually sold it for $3 million. After the sale, Mr. Jones paid approximately $450,000 in…
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What do you want your family’s holidays to look like after you’re gone? Most people answer that question without hesitation. “I want my kids to still gather around the table.” “I want them to enjoy Thanksgiving and Christmas together.” “I don’t ever want money to come between them.” Those are wonderful goals. But here’s the…
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A rancher and his wife were finally ready for a new chapter. After decades of hard work, they decided it was time to sell the family ranch. They dreamed of traveling, following warm weather, and spending more time with their grandchildren. But there was one catch. They planned to keep 1,000 acres. When asked why,…
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You’ve probably heard of the 80/20 Rule, also known as the Pareto Principle. It’s often used in business, health, finance, and productivity, suggesting that 80% of your results come from 20% of your efforts. Whether or not the original principle applies to every area of life is up for debate. In fact, its origins had…
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So, you’ve finally reached retirement—congratulations! But before you pop the champagne and splurge on a sports car or exotic vacation, take a deep breath. Retirement isn’t just a long vacation—it’s a whole new phase of life that needs a smart game plan. Here are five of the biggest pitfalls new retirees stumble into—and how you…
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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 are not owned or controlled by Calton & Associates, Inc.