Insights

One in three Americans now have more credit card debt than emergency savings, according to the latest survey by financial services company Bankrate. This is up ten percentage points from 2011, when the company first started polling the question. Meanwhile, around 53 percent of respondents said that their savings were currently exceeding their credit card debt. This is down two percentage points from the same time last year, but slightly up from 2011. Around one in ten America

The holiday season is synonymous with increased spending—gifts, travel, entertainment, and charitable giving can strain even well-managed budgets. With ongoing market volatility and policy uncertainty, intentional financial planning becomes critical for maintaining long-term goals while enjoying seasonal festivities. Continue reading...

If it feels like the stock market’s smooth ride has suddenly hit a few bumps, you’re not imagining things. After a long stretch of relative calm, volatility has returned—and with it, the kind of headlines that can make even seasoned investors uneasy. But while the day-to-day fluctuations might grab attention, they don’t have to dictate your financial future. With a thoughtfully constructed portfolio and a clear long-term plan, you can stay grounded no matter what the market i

Charitable giving has long served dual purposes for many investors: supporting causes they care about while receiving valuable tax benefits. However, the One Big Beautiful Bill Act has fundamentally altered the charitable giving landscape, with significant changes taking effect in 2026. Understanding these changes and acting strategically in 2025 can help you preserve maximum tax benefits while maintaining or even increasing your philanthropic impact. Continue reading...