Featured Video Insights
Our video library is designed to keep you informed and confident in your financial decisions. Here, you’ll find a curated selection of videos featuring guidance from our team on topics that matter most like retirement planning, wealth strategies, and more.
We regularly update this page and our YouTube channel with fresh content, so check back often for new insights.
Do you know how much you need to save for retirement? This is a common question for many, and the answer isn’t the same for everyone. Retirement saving needs depends on the lifestyle, location and what you may want retirement to look like.
Do you know the difference between Traditional and Roth retirement accounts? Both may offer tax advantages, but they work in very different ways. Understanding how and when your money is taxed can play an important role in retirement planning.
We explore how modest increases in retirement contributions can quietly add up over time. Taking advantage of moments where small adjustments make sense could help create more opportunities later.
Beneficiary designations are an important element of your retirement accounts and keeping them up to date is an essential part of financial planning. Life moves fast, and changes like marriage, the birth or adoption of a child, or shifting priorities can affect who you want listed, so a regular review is a recommended best practice.
Ever wonder what your investment allocation is or why it matters? We break down what investment allocation means, the role of different investment options, the difference between aggressive and conservative approaches, and why diversification matters.
Do you ever think that investing feels a lot like gambling? It’s a comparison we hear often but investing and gambling are built on very different foundations.
Compounding can be a very powerful tool in investing. This is what happens when your money starts earning returns on both your original contributions and the growth those contributions generate over time. Simply put, it’s your money working harder the longer you give it.
Debt can feel overwhelming and could make it harder to focus on other financial goals like building savings or planning for the future. Understanding your options is an important first step toward helping you regain control.
What is dollar cost averaging and why is it important? You may know that markets don’t move in straight lines. Prices rise and fall, sometimes unpredictably, which is why consistency can play an important role in long-term investing.
Monthly expenses are unavoidable, and it’s easy for saving to fall to the bottom of the list once everything else is paid. Over time, that pattern may make it harder to build savings or invest for the future.
Model Management Series
Wondering how your investments are actually managed day to day? We start with 5 core models: Aggressive, Growth, Moderate, Balanced, and Conservative, then customize your allocation based on your goals. We monitor the market daily, review allocations regularly, and rebalance accounts quarterly (or sooner, if needed) to help keep them aligned with your target.
How do we build the equity side of our model portfolios? With diversification at the core. Our models spread US equity exposure across Large, Mid, and Small Cap companies, using Growth, Blend, and Value strategies, and add International exposure across Developed and Emerging markets. We also include a Specialty allocation that lets us invest in specific S&P 500 sectors, like Technology or Energy, depending on market conditions.
On the fixed income side of our models, our focus is diversification and risk management, with the goal of helping preserve the more conservative portion of your portfolio. We use a mix of FDIC-insured brokered CDs and bond funds, and we actively manage interest rate risk by adjusting duration based on the economic environment. In taxable accounts, we also include municipal bond funds to help improve tax efficiency.
How does model management actually work for your retirement plan? You're always in control of which model you're invested in. If you'd rather not choose on your own, we can help you select a model based on your age range, or enroll you in our age-based models, which automatically shift your allocation to a more conservative mix as you move into each new age bracket over time.
The Aggressive Model is built for one thing: maximum long-term growth. With 100% allocated to equities, this portfolio is designed for investors with a long time horizon of 15+ years who can weather market volatility in pursuit of compounded returns.
The Growth Model is built to maximize long-term appreciation while keeping a small safety net in place. With roughly 85% in equities and 15% in fixed income, this portfolio is ideal for investors with a 10- to 15-year time horizon who want to keep building wealth while gradually introducing some risk management along the way.
The Moderate Model is built to grow your wealth while keeping volatility in check. With approximately 70% in equities and 30% in fixed income, this portfolio is the middle ground between growth and preservation. This is ideal for investors who are 5 to 10 years from retirement and want meaningful market exposure without the full swing of an all-equity portfolio.
The Balanced Model is built for income, stability, and long-term growth. With roughly 55% in equities and 45% in fixed income, this portfolio is designed for investors nearing retirement or taking withdrawals who still want market participation with meaningful downside protection.
The Conservative Model is built to protect what you've built. With roughly 60% in fixed income and 40% in equities, this portfolio prioritizes income and capital preservation for retirees and those with a low tolerance for risk.
Want More Insights?
This is just the beginning. Explore our full video library on YouTube for additional content and exclusive video series designed to help you stay informed and confident in your financial journey.