It’s a simple question—but for most people, it’s surprisingly hard to answer with confidence. The reality is this: assets are not automatically protected. Without intentional planning, what you’ve worked so hard to build could be exposed to unnecessary risk. The good news? Many of the most common gaps are fixable—once you know where to look.…
Read more
A while back, Money Magazine asked several successful people a simple question: What’s the smartest financial advice you’ve ever received? One response stood out. Richard Branson, billionaire founder of the Virgin Group, admitted that early in his career he simply didn’t know much about finance—and the best thing he learned was to stay humble about…
Read more
Ever notice how Presidents Day sales are suspiciously good? There’s a reason. January is when everyone buys exercise equipment for their New Year’s resolutions… and February is when a lot of it gets returned. Sound familiar? In one way or another, we’ve all been there. Big goals. Fresh motivation. Strong start. And then—life. I don’t…
Read more
I love starting my day with a little time in the Word, and recently I was listening to a sermon that hit me right between the eyes. The pastor asked a simple but powerful question: Where are you getting your advice? It made me pause. Every day, we let different voices shape our thoughts and…
Read more
You may want to think again! It’s common for a parent, or parents, to start gifting assets to their children as they get older. The problem is that they don’t seek advice and if they do, it’s typically from the wrong people. Unfortunately, the result can be very costly to the family. It could rock…
Read more
While looking for some entertaining statistics on how much exercise equipment is bought in January, I found out why Presidents Day sales are so good. It falls in line with all the returns made on the New Years Resolution items from January. In one way or another this rings true for all of us. I…
Read more
Most people don’t even know how to answer that question, much less feel confident enough to answer with a resounding “yes.” The truth is that most assets are naturally not ‘asset protected.’ This means that unless you have done some planning and maneuvering specifically aimed at asset protection, well… These are the most common issues…
Read more
The first is when you do something… and the second is when you don’t. This satirical statement, shared by a good friend, may have given you a chuckle, but there is a wealth of truth lurking behind it. Frankly, we are living in a litigious world. We would all like to believe that the people…
Read more
Wisdom isn’t something you are born with. Yet wisdom, once gained, can be the most valuable thing you achieve and maintain – second only to your relationships with God and those you love most in life. Wisdom is achieved through years of watching, listening, observing and experiencing. Much of the value we provide doesn’t come…
Read more
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.