It’s that time of year when families get together, laugh, tell stories, and eat too much. And like most holiday movies, some of it is remembered fondly all year – and some of it you just grit your teeth to get through. No matter where you fall on that spectrum, I want to bring a…
Read more
Suppose you were born in 1952 and your grandparents had scrimped and saved $10 a month for you during the first 18 years of your life. Had this investment averaged 8% every year until your retirement at age 65, this relatively small investment of $2,160 would be worth $203,632.61! Albert Einstein was once asked, “What…
Read more
There is a bit of chaos and change in the world today. Okay, a lot. And everyone is looking for answers. Whether it is how to lower taxes and keep your hard-earned dollars, find people to work, invest in markets (financial, real estate or otherwise) that appear overpriced, but also feels necessary to fight the…
Read more
Can you believe it? 7 out of 10 people turning 65 will need long term healthcare services in their lifetime. 1. Which means we may not like it, but there will be a day the majority of us will need it. What’s the big deal? Well, it is a big deal – and it isn’t…
Read more
When it comes to suffering a disability, we all tend to think that “It can’t happen to me!” In fact, when assessing their own chances of becoming disabled, most people believe their odds of becoming disabled for at least 3 months are 1%.1 News Flash: More than 25% of today’s 20-year-olds will become disabled before…
Read more
You’d almost have to live in a cave to not realize that times are tough right now. And under these uncertain conditions, people are hoping to find the perfect investment—one that’s safe, but offers an outstanding return. Our experience tells us that there is ultimately only one perfect investment—family. As a Life Planning firm, we…
Read more
During a recent coaching call, everyone was sharing the best things that have come from the significant changes COVID-19 has forced upon our lives. One gentleman shared that his three kids (all in their twenties) have moved back in with him and his wife. After enjoying an empty nest for the last three years, he…
Read more
Will your family have good Christmases and Thanksgivings after you are gone? Most of us would like to think so. We never want to believe our kids would fight over money or possessions. We ask this very question as we go through our Legacy Planning Process. The answer is almost always the same. Yes. Our…
Read more
Life insurance may be the most complex financial product in existence – but why should this matter to you? Less than a year ago, we received a call that a good friend had just suffered a massive heart attack and was in open-heart surgery. By God’s grace this man is fully recovered and thriving. However,…
Read more
I have a confession to make: I love watching the talent on some of today’s reality shows. It is absolutely wonderful to see every day people working to fulfill their lifelong dreams of turning their passion into a career. Several years ago, on The Voice, Danielle Bradbery, a young lady from Texas who was 16…
Read more
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.