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You are in Growth Mode, we are build for Growth Mode. What does that mean?  Growth comes in so many shapes and sizes. Whether you are starting or growing your business or you are trying to organize and take your personal planning to the next level, growth comes in so many shapes and sizes.  From time to time, we'll try to address some of the topics that we come across with our clients, ourselves personally or anything else you may be interested in to help you achieve your goals.

Tuesday, April 9, 2024

As April rolls around, so does Financial Literacy Month, an opportune time to reinvigorate your approach to managing your finances. While financial literacy might seem like a dry subject, it's essential for building a secure future...

Tuesday, April 9, 2024

At some point, you’ve probably heard the financial advice that says you should max out your 401(k)—i.e., contributing the maximum allowable limit each year. You can contribute up to $22,500 of your annual salary for this calendar year...

Tuesday, April 2, 2024

Last week, I was shocked to read about a change to the real estate industry that may have far-reaching implications for future home buyers. Click here to Read the Story! The National Association of Realtors, representing over 1.5...

Saturday, February 17, 2024

The US equity markets, as measured by the S&P 500, reached all-time highs in January 2024. In this edition of "On the Mark," Christian Chan, CFA, Chief Investment Officer, discusses how these highs are consistent with a growing...

Tuesday, February 13, 2024

Individuals often focus on accumulating wealth and building a robust portfolio in the search for financial success and security. However, a critical aspect sometimes overlooked is the profound connection between long-term health and...

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Monday, February 12, 2024

Money can be a touchy subject, especially regarding our closest relationships. Whether we like it or not, finance plays an integral role in our partnerships, families, and friendships. So, how can we foster healthy attitudes and...

Tuesday, February 6, 2024

In the ever-evolving financial landscape, staying informed about the latest changes and potential implications for your retirement savings is crucial. Shifts in retirement regulations define 2024, and we’re committed to keeping...

Tuesday, January 23, 2024

It’s a fun time of year for football fans. The NFL playoffs are starting, and the Big Game is just around the corner. While football fans will tune in for the matchups, commercials, and Usher’s Big Game halftime show, you...

Tuesday, January 9, 2024

With the start of the new year, we wanted to discuss a topic that will likely garner attention throughout 2024: the potential sunsetting of the Tax Cuts and Jobs Act (TCJA) in 2025. Although some of the provisions within the TCJA are...

Monday, December 11, 2023

Your Child is Turning 18: Handling Healthcare, Academics, and Finances Together As your child blows out the candles on their 18th birthday, you may still see your baby girl or boy. But in the eyes of the law your child is considered a...

Monday, December 4, 2023

As we get ready to turn the page on 2023 and welcome the new year with all its possibilities, we’d like to take some time to reflect on the year that was—the notable events, trends, and developments that defined our...

Monday, November 20, 2023

If you or a loved one has been diagnosed with Alzheimer's disease or any other form of dementia, this can be an extremely challenging time. While promising new treatments are developing and research continues, a cure remains elusive....

Wednesday, November 8, 2023

Divorce is one of the most stressful life events. Even the most amicable splits can be complicated and emotionally draining. We likely all know couples who have gone through divorce, and it can be a trying time for everyone involved....

Wednesday, November 1, 2023

While we haven’t yet said goodbye to 2023, it’s not too early to begin thinking about any tax changes that may be on the horizon. The Tax Cuts and Jobs Act (TCJA) of 2017 was designed to overhaul the federal tax code by...

Tuesday, October 24, 2023

Many of us have adapted to a world with remote team members and back-to-back Zoom calls with customers spread across the country, which certainly has its benefits. Nevertheless, one drawback is the difficulty of getting together in...

Tuesday, October 17, 2023

SECURE 2.0: Changes Going Into Effect in 2024 Passed in 2019, the SECURE Act was the most substantial retirement legislation in over a decade. It contained important changes designed to help investors save more and be better prepared...

Tuesday, October 3, 2023

Time to Think About Year-End Financial Strategies As we roll into fall and the fourth quarter, now is a good time to pause and reflect on proactive ways to set up your finances for 2024. Economically speaking, we are now in a much...

Tuesday, September 26, 2023

While artificial intelligence (AI) is making headlines today, the concept of "thinking machines" can be traced back to ancient philosophers and mathematicians. The phrase artificial intelligence was first used in the mid-20th century,...

Tuesday, September 12, 2023

Social Security, the program you may have spent a lifetime paying into, is designed to offer stability, supplemental income, and other valuable benefits that can play a role in your overall financial strategy after you retire. We've...

Tuesday, September 5, 2023

If you ask the average investor which month is the most volatile for the stock market, they will probably say October. It's a reasonable answer, but it's incorrect. Despite October's reputation for market-defining events like the...

Tuesday, August 22, 2023

As financial professionals, we understand how vital it is to safeguard your personal and financial information. Unfortunately, in our increasingly digital world, cybersecurity risks, such as phishing attacks, have become a prevalent...

Monday, August 7, 2023

You’ve done a great job teaching your children vital life lessons and instilling values that will last a lifetime. As summer ends and a new school year begins, one thing that shouldn’t be overlooked, especially for...

Tuesday, August 1, 2023

Changes are coming to the complicated form that students must submit to qualify for college financial aid, known as the Free Application for Federal Student Aid (FAFSA).The Department of Education is calling it the “most...

Tuesday, July 25, 2023

IntroductionOver the last several months, I have met with quite a few self-proclaimed do-it-yourself (DIY) investors who, after struggling with the markets in 2022, approached me asking for a second opinion. Interestingly, almost every...

Tuesday, July 11, 2023

Changes to 529 Plans in the SECURE 2.0 ActThe SECURE Act was initially passed by Congress at the end of 2019 and was intended to improve retirement savings opportunities. It was a big deal at the time and the most significant piece of...

Thursday, July 6, 2023

What if your child needs braces? The cost may be as much as $6,000 for metal braces—more modern versions can run as much as $13,000. Your health insurance may cover only a portion of the cost. If you're well past the braces stage...

Thursday, June 22, 2023

One of the hottest topics in the investment world is ESG investing. It stands for Environmental, Social and Governance investing. The large firms are dedicating large resources towards creating funds and portfolios to meet what they...

Thursday, June 22, 2023

Getting your affairs in order and outlining what you want done with your estate after you’re gone is one of the greatest gifts you can leave your loved ones. However, not preparing for the transfer of your assets can lead to...

Wednesday, June 14, 2023

Senior care costs can be overwhelming, particularly when long-term care is required due to illness or medical conditions. With the number of seniors in the U.S. expected to rise exponentially by 2030, it's crucial to be prepared for...

Thursday, May 25, 2023

Estate management can be a complex and daunting task for many people, but it’s a critical step in helping your assets get managed and distributed according to your wishes.One popular tool that can be used in estate strategies is...

Thursday, May 11, 2023

Economies move in cycles – always have, always willThe Federal Reserve has been steadily increasing interest rates in an attempt to slow the rate of inflation. Its efforts are yielding some results, although inflation remains...

Friday, April 28, 2023

Fun fact: You probably have dozens of credit scores out there, and each one might be a different number.You’re probably familiar with a credit score, why it’s essential, and what it’s used for, but do you know how...

Monday, April 17, 2023

Discussing personal finances is important for any couple preparing for marriage. However, this topic can be more complicated for those who remarry later in life.If you’re remarrying later in life, one of your goals should be to...

Wednesday, April 12, 2023

As we get older, it’s important that our adult children are prepared to manage any aging-related situations that may arise. This includes everything from having to make medical and financial decisions to determining assisted...

Wednesday, April 5, 2023

Over the last two weeks, the banking system experienced stress not seen since the 2008 financial crisis. Today, the Fed raised the Fed Funds Rate by 0.25%. Fed Chairman Jerome Powell emphasized the resilience of the banking system...

Monday, March 20, 2023

Every parent wants the best for their children and strives to prepare them to lead a happy, healthy, and successful life. But, despite understanding the importance of financial responsibility, only 28 percent of parents speak to their...

Friday, March 10, 2023

Transitioning from Private Health Insurance Plans to MedicareAs you approach retirement age, you may be anticipating transitioning from your private insurance to Medicare, which is a federal health insurance program that provides...

Thursday, March 2, 2023

Two roads diverged in a wood, and I— I took the one less traveled by, And that has made all the difference. -Robert Frost      Starting your own business can be like having a baby — a very...

Friday, February 10, 2023

Last year was an exceptional year, and not in a good way. There was no shortage of worries during the year from COVID-19, the Ukraine war, and the most central story of all: inflation and interest rates.  In this edition of...

Monday, January 9, 2023

Whether it's the price of bread, gasoline, or rent, we all feel inflation. As consumers, we often feel inflation differently than the Fed measures inflation.  As the Federal Reserve has risen interest rates at an unprecedented...

Friday, December 9, 2022

Merited Wealth Market Conversations. As plenty may know, financial markets have been a source of fear and frustration for many. If you’re struggling to understand the current moment or looking for a clear market update, then...

Monday, November 21, 2022

The Road to Independence The Steps To Starting Your Own RIA      In the wealth management industry, the term “Independence” gets thrown around a lot.  For the vast...

Wednesday, October 12, 2022

What is a Non-Profit?Non-profits refer to organizations like public charities, foundations, churches, fraternal groups, and chambers of commerce, which are built to address a social purpose. They encompass a broad range of structures...

Friday, September 30, 2022

What's CoveredPurchasing homeowner's insurance is not only critical for protecting your home, your personal property and against any potential liability, but if you have a mortgage, your lender will require it.A homeowner's insurance...

Monday, August 29, 2022

How To Prepare for RecessionWith fears of recession looming, everyone has the same thing on their mind: "how can I get through it?" If you're worried about what a recession may hold for you, then you're in luck because we're here to...

Thursday, August 4, 2022

Recently, I began writing a newsletter where I cover global financial markets and other important topics. In my 4th post linked below, I cover China and its current macroeconomic situation. We tend to get biased coverage here in the U...

Friday, July 1, 2022

How a partnership can helpA partnership can be extremely helpful when starting up or running a business. Have you ever heard the expression "two heads are better than one?" Well, that's exactly what a partnership is for! A partner...

Tuesday, June 7, 2022

Friday, June 3, 2022

(6 minute read)You’ve probably heard the word stablecoin being thrown around lately, but what is it, how is it different than other cryptocurrencies, and why has it been the talk of the town lately? We’ll be giving you...

Monday, May 23, 2022

(4 minute read)Starting a business is no easy task, especially if you feel like you just don’t have the time. That’s why we’re here to help you get started.Anytime Can Be The Best Time To Start A BusinessThere is no...

Tuesday, April 26, 2022

Selling your business can be very stressful. When considering selling, you need to think about not just the legal and financial aspects of a sale but also how it will affect you emotionally. After letting go of something you worked so...

Thursday, March 17, 2022

Regardless of how far along you are in your career, change is inevitable and sometimes even necessary. You might be considering changing professions altogether or just moving laterally. In recent years, many people have found the way...

Wednesday, February 16, 2022

If you are currently self-employed or plan to be soon, you need to know about the types of health insurance available to you. Entrepreneurs often find it challenging to find affordable plans that meet their healthcare needs. Plus, when...

Tuesday, January 11, 2022

Many people strive for financial independence. Being financially independent means, you can pay your expenses without having to work. Of course, you can still choose to work or not, but you can meet your financial obligations without...

Wednesday, December 29, 2021

When looking for financial advice and where to invest your hard-earned money, be careful about falling victim to the meme stock mania sweeping the financial markets right now.What is a Meme Stock?Meme stock mania was the start of...

Thursday, December 16, 2021

No matter how old or young you are, and regardless of your financial situation, it is essential to learn how to manage your money correctly. Otherwise, you may end up in debt or more serious financial trouble.Money Management TipsOne...

Thursday, December 2, 2021

It’s never too early to learn about making money and being successful in business. By the time your kids reach the job market, the competition will be unimaginable; therefore, it’s essential to teach your kids how to be...

Friday, November 12, 2021

Business moves quickly, but if you aren’t taking the time to plan strategically, you could be missing out on vital opportunities or lose the gains you have achieved. Consider these steps to ensure you are doing the most to plan...

Thursday, October 28, 2021

Owning a business can be exciting but also stressful. The end of the year brings a lot of extra expenses such as bonuses, raises, and holiday gifts. In addition, clients tend to pay slower during the fourth quarter making things extra...

Thursday, October 14, 2021

To be competitive in today’s job market, you have to offer employees valuable benefits like a retirement plan to help them save for the future. Now is the time to think about setting up a retirement plan for your business.Why...

Tuesday, September 28, 2021

The Price You Pay for College: An Entirely New Roadmap for the Biggest Financial Decision Your Family Will Ever MakeSending your kids off to college is a journey fraught with difficult emotions. One of the most significant stressors...

Friday, July 16, 2021

I remember when I was young my father used to take me with him to go make his weekly “collections.” We would drive to Dadeland and we would park right outside of the Dadeland Bank branch. Every 15 minutes or so, someone...

Friday, June 18, 2021

By: Genna GrodinWith a new college application season fast approaching, I wanted to reflect on my rollercoaster experience as a high school senior. For background, I am a rising sophomore at The University of Florida (UF) who applied...

Friday, May 21, 2021

With the release of the Bitcoin whitepaper in 2008—under the alias of Satoshi Nakamoto—sprung the idea of the first cryptocurrency.[i] On January 9, 2009, the first Bitcoin transaction took place and gave life to the idea....

Thursday, April 15, 2021

It’s vital to figure out what your Life Passion is, but don’t let the flapping mouths say you need to build your business around it to find true happiness and reward. For me, my Life Passion is coaching, which comes in many...

Thursday, March 11, 2021

I had the opportunity to sit down with my friend Wayne Hewett and give some thoughts and advice to those who may currently be going through a Career Transition. While there is a lot of uncertainty going on in the world right now, what...

Monday, March 1, 2021

I remember the day vividly when I knew I had to change what I was doing. I sat in a chair in the middle of my house watching my wife make dinner and my kids run around me. For 3 days I had been involved in the most disheartening...

Thursday, November 12, 2020

Election 2020: Biden's Policy InitiativesPotential proposals and their legislative requirements.Now that several major news groups have projected Joe Biden the winner of the presidential election—and Congress appears divided with...

Wednesday, November 11, 2020

I want to thank my friends over at JB and the Doctor for having me as the first guest on their show! I really enjoyed the time speaking with them and sharing some war stories and lessons learned from my years of doing it on my own. For...

Monday, September 28, 2020

On September 25th, I was joined by two great professionals, Cammy Smith and Wayne Hewett, to discuss and make the case for Outsourced Investment Management. The utilization of investment partners to help enhance and grow Wealth...

Friday, May 8, 2020

On May 8th, I had the opportunity to make a presentation with my partners at Dimensional Fund Advisors to help discuss and put into perspective recent stock market volatility. Dimensional is known for the breadth and depth of their...

Monday, April 27, 2020

My good friend Josh Blum and myself got a chance to sit down and present to the FPA of Miami on the the uses and importance of reverse mortgages.I personally learned a lot more about the topic and is truly something every single...

Thursday, April 23, 2020

I hope you are managing as well as you can through these tough times. While this current environment will pass and our new normal will appear, it's hard to know what to and not to focus on as relevant information to act on now and in...

Thursday, April 23, 2020

My good friend Alex Almazan and myself sat down with Maria Sentmanat to discuss the challenges the Pandemic has presented to her business and what she’s doing to work through these new challenges. Her passion and positivity...

Thursday, April 9, 2020

On April 8th, I had the pleasure of presenting to the Worker’s Compensation Section of the Florida Bar on the new CARES act. I spoke to the new provisions regarding retirement plans and accessing qualified retirement savings,...

Monday, March 23, 2020

I hope you and yours are staying safe. This is truly an unprecedented time in our history. While anxiety and uncertainty have dominated our headlines and emotions, we can start to lose perspective. As lines become longer at the grocery...