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 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.

Most people, wealthy or not, try to support a philanthropic cause, be it big or small. Whether that be through donations, volunteering time, or joining a charity’s board, it is important that the charities individuals choose to support are utilizing resources to make the most of what they are given.

Long-term care insurance is an important part of retirement planning. Choosing the right option is a difficult decision and can affect your family’s financial future. Here are some things to consider:

Owning a home or business can be one of the great joys in your life.

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 deadlines that you should add to your calendar for 2022.

Only 36% of adults think that they are on track to retire. The main barrier to retiring on time is a lack of proper planning and sufficient savings. However, there are 7 common mistakes that people make when they create their retirement plans:

1. Not accounting for longevity
2. Not accounting for taxes
3. Not staying in shape
4. Not adjusting your investments for age
5. Not accounting for market ups and downs
6. Not having a spending plan
7. Not accounting for poor health

We will go into each of these common mistakes in more detail to help you understand how to avoid them in your own retirement planning.

Year-end is quite possibly the most hectic time for small business owners, and 2021 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 2022.

It’s also a time to make year-end tax moves to help reduce your tax bill and end the year as fiscally responsible as you possibly can.

Authored by: Kezia Samuel, Guest Author

Key Takeaways

• Inflation remains an ongoing concern in 2021.
• While inflation is higher and likely to remain elevated due to challenges created by the pandemic, a look into the structural composition and the types of inflation may provide insight into how high inflation may go.

Inflation remains a topic of concern in 2021 as the prices of goods and services have continued to increase. The September inflation report showed consumer prices rose at 5.4%.¹

Did you know that half of all Americans would be unable to cover an unexpected expense this month? Unfortunately, financial planning isn't a hot topic for most people, but you can't afford to neglect this important aspect of your life any longer.