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Women age 50 and older feel significantly more financial strain than men. A new survey says women are specifically concerned about rising costs of living, health care affordability, retirement security, and reliance on Social Security,...

Financial planning with your whole family can allow you to create, manage, and transfer wealth to benefit multiple generations. Learn More

New rent‑splitting programs promise flexibility by allowing renters to break monthly payments into smaller installments — but convenience can come with trade‑offs. Take a closer look at how these programs work, where hidden risks may...

A recently surfaced grocery receipt from 1997 is being compared to today’s grocery prices. The total bill today is 224% more expensive. What items saw the biggest jumps? Learn More

Just because social medica influencers seem knowledgeable doesn't mean you should place your trust in them. Learn More

Most of the largest lottery jackpots have occurred just since 2023. The first ever Powerball jackpot in the early 90s was $5.9 million. Now jackpots can cross the billion mark with the largest one on record clocking in at $2.04 billion...

The savings you build for retirement may dwindle faster than you expect if you are faced with high health care costs. Staying healthy can not only help you live longer; it can help you preserve your wealth. Check out three things you...

The IRS announced adjustments to contribution limits for 401(K)s, 403(b)s, 457 plans, and IRAs. In 2026, you’ll be able to put more money into these retirement savings vehicles. Learn More

Americans’ retirement needs are evolving, so the way they prepare for this chapter of life may also need to change Learn More

Norway tops the list in a new ranking of best countries for retirement, and the US came in at number 21. The survey looked at finances, well-being, health, and quality of life for retirees and found that Americans tend to be more...

Many caregivers choose gig or freelance work because it enables them to balance their caregiving responsibilities with the need to earn a living.2 Now, that way of earning a living may be in jeopardy because of AI Learn More

Gen X and millennials are set to inherit trillions of dollars over the next couple decades as part of the great wealth transfer. And a new study found that almost a third of heirs feel sadness over their impending inheritance. Some...

Retirement can sound like a dream. To help ensure that your retirement truly is dreamy, it’s wise to plan ahead. Learn More This material was written by an independent third party. It is provided for informational and educational...

Get ready. If you mail gifts (or anything) around the holidays, it’s going to be more expensive this year. The US Postal Service announced it will add surcharges up to $16 on top of regular shipping costs. FedEx and UPS are expected to...

This price variation is a key contributor to why health care costs are so high in the US. In fact, the cost of employer health insurance premiums has nearly tripled the rate of workers' pay raises over the last 25 years.Learn More This...

In a new survey, Americans say they believe $2.3 million is the amount needed to qualify as wealthy. Just last year, Americans believed you needed slightly more — $2.5 million. A worsening economy could be the culprit behind the...

The demand for liberal arts degrees is quickly rising as AI drives the need for creative thinking and soft skills. Philosophy and art history majors currently have lower unemployment rates than computer science and finance majors....

Bacon prices have risen nearly 20% in the past year, and the elevated prices may be permanent. This comes on the heels of eggs prices rising to an all-time high earlier this year. Learn more If you have any questions about the above...

Whether they are still working or already retired, older Americans are feeling good about retirement. 67% of workers believe they have enough money for their golden years, and 78% of retirees feel the same way Learn more If you have...

Nearly a third of people don’t start paying their phone bill until they are 30 or older, according to a new survey. Almost 20% don’t pay this bill until they’re at least 40. And phone bills are just one way that parents today are...

New research shows that people are increasingly turning to buy now, pay later (BNPL) financing options when making purchases. Many are using BNPL when they buy electronics and furniture, but groceries are also becoming a popular BNPL...

Just 17% of US adults think AI will have a positive impact on the country. And only 23% believe it will positively impact their jobs, according to a new survey. While AI experts say the technology may not impact some fields, there are...

Financial literacy and financial success are often related. Now a report says that taking just one personal finance class in high school can have a $100,000 lifetime benefit. Check out this article to see where most of the value comes...

Summer will be here before you know it and parents are finding it more difficult to foot the bill for their kid's summer camp. A new survey found 25% of parents plan on spending more than $2,000 per child on camp this year. LEARN MORE...

Take these seven simple actions to improve your finances this week LEARN MORE This material was written by an independent third party. It is provided for informational and educational purposes only. The views and opinions expressed...

Inflation may not be as hot as it has been recently, but there are seven items that will likely get more expensive in 2025. With coffee and eggs at the top of the list, your breakfast could really be impacted. Learn More This material...

Read about smart ways to put a tax refund to use for your financial future here This material was written by an independent third party. It is provided for informational and educational purposes only. The views and opinions expressed...

The wildfires in California earlier this year serve as a good reminder for everyone to check how much home insurance coverage you have before a disaster strikes. 75% of homeowners may be underinsured. Here are some steps you can take...

As women earn more, they need more support to plan for and protect their families' futures. Learn More This material was written by an independent third party. It is provided for informational and educational purposes only. The views...

A dry promotion could turn into more money later Dry promotions — getting a new job title and responsibilities without a pay raise — are on the rise. Employers are increasingly using new job titles to reward employees when funds are...

A new survey found that almost a quarter of Americans have made impulse purchases in the last year that significantly impacted their finances. Saving first, unsubscribing from certain social media accounts, and implementing a shopping...

The worth of caregiving labor exceeds that of Apple, Amazon, and Walmart. If family caregiving were a business entity it would be the largest revenue-generating company in the world. Learn more This material was written by an...

Self-care is a necessity for caregivers. Here are 5 ideas for making self-care fun Click here to read This material was written by an independent third party. It is provided for informational and educational purposes only. The views...

Remote work, which surged during the pandemic, is proving to be more than just a trend. As both employees and employers embrace its benefits, this flexible work style appears to have staying power. Learn more This material was written...

Using Tik Tok for Financial Advice?

Ande Frazier - CFP®️, CLU, ChFC, RICP, ChSNC, CDFA®️, CEPA, CExP

Monday, September 23, 2024

Is Tik Tok the best for your financial plan? In the age of social media, financial influencers have become popular sources of advice and information for many people seeking to improve their financial health. With their engaging content...

As Boomers retire, they are diving into travel and pursing long-held hobbies. One study says that 60% of retirees plan to, or already have, done a “retirement reinvention” – stepping into a completely new version of themselves during...

POA Caution

Ande Frazier - CFP®️, CLU, ChFC, RICP, ChSNC, CDFA®️, CEPA, CExP

Monday, September 16, 2024

Guarding Your Finances: Essential Tips to Outsmart a Potentially Misguided Power of Attorney A financial power of attorney (POA) is a legal document that grants an individual, known as the agent or attorney-in-fact, the authority to...

Years of inflation have caused many people to tighten their purse strings and buy less snacks. Now snack makers are taking notice and considering cutting costs to get people to buy again. Learn more This material was written by an...

Teens might not have much money, but it's important for them to be responsible with the cash they do have. Money matters: Why it pays to be financially responsible Responsible money management is often a foreign concept to teens that...

A new survey sheds light on how small business owners are staying resilient amid uncertainty. Over half of small business owners surveyed by Capital One reported feeling stressed in the past year. Click here to read the article This...

The Education Department recently announced the highest federal student loan interest rate in more than a decade. Key Points: The U.S. Department of Education announced the interest rates on federal student loans for the 2024-2025...

4-day workweeks may be around the corner. A third of America's companies are exploring them. Burnout is such a problem for workers that some bosses are considering shrinking the length of the workweek. Nearly one-third (30%) of large...

Eight Reasons Why Your Home Insurance Costs Are Surging Home insurance costs are skyrocketing, with specific factors driving the surge. Here's how to whittle down your premium. It's no secret that home insurance costs are rising, in...

Student loans are a common way to pay for college. In fact, about half of bachelor's degree recipients borrow money to help pay for their degree, according to an annual report from the College Board. While they're a common (and often...

What is an emergency fund? Without even realizing it, most people are familiar with protection-first thinking. Every time you ride in a plane, for example, you hear this important safety announcement: “In the event of sudden...

What is an emergency fund? Without even realizing it, most people are familiar with protection-first thinking. Every time you ride in a plane, for example, you hear this important safety announcement: “In the event of sudden...

The working world may change as a record number of Americans turn 65 In 2024, a staggering 11,200 Americans will turn 65 each day. Surprisingly, despite reaching this traditional retirement age, a growing number of Americans are...

Women now make up nearly half of all workers in the U.S. but not half of every occupation. In 1950, women only made up 30% of the country’s workers. Although the workforce is now almost evenly split, many occupations still exhibit...

Listening to bad advice can have major impacts on your retirement. This is why it is always good to work with a credentialed and licensed professional.   Late-career Americans and those already in retirement rely...

The world could get its first trillionaire within 10 years. Read full article here: AP news article here DAVOS, Switzerland (AP) — The world could have its first trillionaire within a decade, anti-poverty organization Oxfam...

1 in 5 seniors still work — and they're happier than younger workers As Americans age, that demographic change is also impacting the workforce, with a new Pew Research Center analysis finding that 1 in 5 people over 65 are still...

What is capital gains tax in simple terms? A guide to 2024 rates, long-term vs. short term. Full article here: USA today full article here Tax season can feel like a minefield for new and old filers alike. Whether you...

Economists forecasting a housing market turnaround in 2024 Inflation still a wild card for the housing market With the outlook for mortgage rates finally improving, the forecast for housing is looking better heading into the New Year....

According to a new survey, many Gen Z workers expect to retire when they are 61, despite 99% of Gen Z respondents saying they face obstacles to saving for a comfortable retirement. Another stat from the survey - 75% of Gen Z...

Click here to see graphs The IRS is introducing new income limits for its seven tax brackets, adjusting the thresholds to account for the impact of inflation. That could provide a break to some taxpayers on their taxes in 2024. The tax...

Americans failed to pay record $688 billion in taxes in 2021, IRS says. Look for more audits.  Americans failed to pay $688 billion in taxes on their 2021 returns, a record level, according to a new estimate from the IRS. The...

*Shoppers will spend less on gifts and do more shopping online this holiday season, a new survey shows* If you’re planning to spend less on gifts this holiday season amid inflation pressure, you’re not alone. U.S....

NEW YORK (AP) — With the help of technology, scammers are tricking Americans out of more money than ever before. But there are steps you can take to keep your money and information safe. In 2022, reported consumer losses to fraud...

For more than three years, people with student loans haven't had to repay their debt, thanks to a pandemic-era break that is slated to come to an end in October, when repayments resume. But some borrowers say they aren't financially...

Is there a strategy to winning Mega Millions and Powerball? Tips for picking numbers In 2016, Nicholas Kapoor, a professor at Fairfield University in Connecticut, bought a lottery ticket to teach his statistics students about...

More Americans believe they'd get a raise if they asked Share of U.S. workers who say it's very likely they'd get a raise if they asked In this economy, everything's coming up wages: A rising share of employed adults say that if...

Government regulators said Thursday that people who keep cash with payment tools like Cash App, PayPal and Venmo are at risk of losing their money in a crisis because the funds are not protected by federal deposit insurance. The...

Summer is right around the corner, and warmer days mean an increased need to cool off. Unfortunately, this can also translate into higher electric bills, but experts shared tips as to which appliances you can unplug to save some...

As families finalize college decisions and line up financing for 2023-2024, some might want to start thinking about the following academic year because aid may be tougher to get. Along with the launch in December of...

These features may ‘set you ahead of the competition’ when selling your home, research findsKEY POINTSCertain luxury features may help sell your home for more money or faster than expected, according to new research from...

Inflation has driven grocery bills up, and for people who want to shop organic, these places can help your wallet. Check out this article from Kiplinger for tips on saving money while buying organic foods. 

The True Cost of Inflation

Ande Frazier - CFP®️, CLU, ChFC, RICP, ChSNC, CDFA®️, CEPA, CExP

Thursday, February 2, 2023

Check out this article, written by Ande Frazier, as seen in the Northwest Georgia Living Magazine Jan-Feb 2023 edition. The True Cost of Inflation

6 Tips to Live Your Best (Retired) Life

Ande Frazier - CFP®️, CLU, ChFC, RICP, ChSNC, CDFA®️, CEPA, CExP

Monday, January 30, 2023

Everyone, it seems, worries about the economics of retirement. Will you have enough to retire? Will you outlive your money? Will you be able to afford healthcare as you age? And what about housing costs, emergencies, and especially...

Could a cash balance plan be right for your business?

Ande Frazier - CFP®️, CLU, ChFC, RICP, ChSNC, CDFA®️, CEPA, CExP

Tuesday, January 24, 2023

You’ve worked hard to make your business successful. But if your retirement planning has taken a back seat to your business over the years, you may feel it’s time for a change. Even if you have done some planning for...

What Do Football Coaches and Business Succession Planning Have in Common?

Ande Frazier - CFP®️, CLU, ChFC, RICP, ChSNC, CDFA®️, CEPA, CExP

Monday, December 26, 2022

Why might most football coaches be sound business succession planners? They understand that sketching out a solid game plan is important and needs to be revisited from time to time. As a business owner, you may believe that you...

Stop Wasting Money

Ande Frazier - CFP®️, CLU, ChFC, RICP, ChSNC, CDFA®️, CEPA, CExP

Monday, December 19, 2022

Benjamin Franklin once said, “a penny saved is a penny earned.” One way to find the money to meet your spending or saving needs is to examine your current spending habits and consider eliminating money wasters. Top...

There is Always a Reason to be Grateful!

Ande Frazier - CFP®️, CLU, ChFC, RICP, ChSNC, CDFA®️, CEPA, CExP

Tuesday, December 13, 2022

We believe the best client is an informed client. For this reason, throughout the year we provide our clients with a wealth of consistent and pertinent information on financial topics and markets conditions, including quarterly reports...

Prevent a Rift: Money Tips for Newlyweds

Ande Frazier - CFP®️, CLU, ChFC, RICP, ChSNC, CDFA®️, CEPA, CExP

Friday, November 25, 2022

Research suggests that 70% of married millennial couples argue about financial decisions more than any other topic. This could explain why some experts say financial problems are one of the top reasons marriages fail.1...

Social Security Benefit Basics

Ande Frazier - CFP®️, CLU, ChFC, RICP, ChSNC, CDFA®️, CEPA, CExP

Tuesday, November 22, 2022

Read below and take a look at how and when to take social security benefits and what to know about taxation. Social Security Benefits

3 Types of Insurance Business Owners Often Overlook

Ande Frazier - CFP®️, CLU, ChFC, RICP, ChSNC, CDFA®️, CEPA, CExP

Friday, November 11, 2022

When you have your own company, you carry a lot of responsibility. You’re the head of business development, human resources and operations — just to name a few. As you manage all the moving parts, worries can arise. Will...

Exit Stage Left

Ande Frazier - CFP®️, CLU, ChFC, RICP, ChSNC, CDFA®️, CEPA, CExP

Tuesday, November 1, 2022

Do you own a business? Do you have an exit strategy? Answer these questions in preparation for bidding farewell to a business you own:Exit Planning

The 12 Steps to Living Confidently: How to Set Up a Budget

Ande Frazier - CFP®️, CLU, ChFC, RICP, ChSNC, CDFA®️

Tuesday, October 18, 2022

Get ready. We’re about to get deep. Have you ever thought about what means, means? Yes, you can think about it for a moment…back now? Good. As a noun, it can be two things. It can refer to an action or system by which a...

Grief and Finances: Communication to Financial Preparedness

Ande Frazier - CFP®️, CLU, ChFC, RICP, ChSNC, CDFA®️

Wednesday, October 5, 2022

The unpredictability of life can sometimes leave us feeling overwhelmed with grief. For some, that may be a monetary change brought about by the loss of a job or significant financial setback. While others may deal with the loss of a...

Disability and Your Finances

Ande Frazier - CFP®️, CLU, ChFC, RICP, ChSNC, CDFA®️

Tuesday, September 27, 2022

The Social Security Disability Insurance program is projected to pay out approximately $133 billion in benefits in 2020. And with new applicants each year, the system is expected to exhaust its reserves at the end of 2035 if changes...

Financial Insights

Ande Frazier - CFP®️, CLU, ChFC, RICP, ChSNC, CDFA®️

Wednesday, September 21, 2022

Get ready. We’re about to get deep. Have you ever thought about what means, means? Yes, you can think about it for a moment…back now? Good. As a noun, it can be two things. It can refer to an action or system by which a...

Building a Solid Financial Foundation

Ande Frazier - CFP®️, CLU, ChFC, RICP, ChSNC, CDFA®️

Tuesday, September 6, 2022

When you read about money matters, you may see the phrase, “getting your financial house in order.” What exactly does that mean? To some, when your financial “house is in order,” it means it is built on a...

September is Life Insurance Awareness Month

Ande Frazier - CFP®️, CLU, ChFC, RICP, ChSNC, CDFA®️

Wednesday, August 31, 2022

Did you know that September is Life Insurance Awareness Month?Each year, September serves as a month of protection preparedness and awareness. This year, we’re focusing on “The Whole Picture: The Many Holistic Benefits of...

Financial Insights

Ande Frazier - CFP®️, CLU, ChFC, RICP, ChSNC, CDFA®️

Wednesday, August 3, 2022

It’s that time again. A clean slate. Time for a do-over. For those who seize the spirit of change, there’s a “new you” ahead. Perhaps a slimmer you. Or a stronger you. Or a you that can finally speak Italian, make perfect risotto, and...

Peachtree Planning July 2022

Ande Frazier - CFP®️, CLU, ChFC, RICP, ChSNC, CDFA®️

Wednesday, July 20, 2022

July 2022Summer’s here, and the time is right for vacations, outdoor activities, and fun. It’s also a good time to consider a few financial matters. Here are some questions to ask yourself mid-year.• Goals still the...

Caught in the Middle

Ande Frazier - CFP®️, CLU, ChFC, RICP, ChSNC, CDFA®️

Friday, July 8, 2022

As a certified financial planner, I often find that working with people and their money is like solving a good puzzle. This is especially true when I work with those in the "sandwich generation". The sandwich generation is defined as...

Understanding Rising Interest Rates

Ande Frazier - CFP®️, CLU, ChFC, RICP, ChSNC, CDFA®️

Friday, June 24, 2022

During the last few years, borrowers and spenders have enjoyed historically low interest rates. However, analysts all agreed that at the Federal Reserve’s June meeting, interest rates were going to be increased. Although rising...

Financial Insights

Ande Frazier - CFP®️, CLU, ChFC, RICP, ChSNC, CDFA®️

Monday, June 6, 2022

_____________________________________________________________________________Responsible money management is often a foreign concept to teens that is complicated and confusing. Yet, if they learn how to save and be financially...