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For an 18-year-old, going to college is exciting, a little scary, and an important step towards becoming an independent adult. For a parent, sending their child to college is also exciting and a little bit scary, as well as bittersweet. You want your child to grow, learn, and succeed in this next stage of their life. To set them up for success, here are some things you should think about and do before sending your child off to college.

As a CERTIFIED FINANCIAL PLANNER™, I believe that staying informed about new legislation is essential to help my clients pursue their financial goals.

There are numerous financial deadlines throughout the year, and they can be difficult to keep track of. To simplify it we put together some of the most important deadline that you should add to your calendar for 2023.

‘Tis the season of giving and, as the end of the year approaches, it is also the time to make year-end tax saving moves. Regardless of the tax benefits, giving back to your community, especially after the difficult year we’ve had, can truly change people’s lives.

Year-end is quite possibly the most hectic time for small business owners, and 2022 is no different. Even if the year unraveled differently than planned, it is time to look back, measure how the business did, and begin planning for 2023.

Most Americans never engage in the financial planning process. Especially in today’s world with so many unpredictable events, such as a pandemic or hurricane, it can be hard to think about planning for the future. However, not having a clear, detailed plan for your future financial success can increase your stress levels, anxiety, and fear of not having enough money to cover your basic needs.

If you are among the fast-growing ranks of people compensated through 1099 income, you are enjoying the many benefits of being your own boss. But with that independence and flexibility comes new responsibilities you probably never had to consider when you worked for someone else.

Last week, the Federal Reserve Board accelerated its misguided interest rate policy with its 0.75% interest rate hike, resulting in the biggest move since 1994. This is because inflation rests at 8.7% in the U.S., the highest level since December of 1981. In the Fed’s mind, this monetary policy will help the U.S. economy to avoid the high inflation we saw in the 1970s. However, this is not 1970s style inflation, and this rate policy is going to fail.

 Authored by: Gene Goldman, Cetera Investment Management

This Market Volatility Isn’t Going Anywhere

According to the National Council of Nonprofits, about 21% of all nonprofits have an annual budget of $50,000 or less. With this in mind, maximizing the assets and income of the organization is critical, as every cent counts.