If youve left a previous job and decided what to do with the money in your former employers retirement plan, take a moment to feel proud. There are many complex factors to consider so giving the decision time and consideration is important. Don’t be hard on yourself if you’re still not sure what to do … Read more
Tina is in charge of the Citizens Wealth Management financial planning and estate planning team, which is made up of CERTIFIED FINANCIAL PLANNERSTM, estate and tax planners, and trust officers. As a strategic partner, she helps clients deal with and grow in new situations. The idea of being able to spend their days however they … Read more
Becoming a self-made millionaire is a goal for many, but often its shrouded in mystery and misunderstanding. While its no walk in the park, with the right mindset and strategies, its an achievable goal. I believe that the best path to becoming a self-made millionaire is through business ownership. By building a profitable business you … Read more
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Theres an old saying which says that the best time to invest was yesterday, and the second best time is now. And that couldnt be more true!. Let’s be real – every parent secretly hopes their kid will grow up to be financially secure But a millionaire? That feels like a pipe dream for most … Read more
In a relay race, any runner will tell you that handoffs are the difference between winning and losing. If you can’t move the baton smoothly from one person to the next, you don’t stand a chance—no matter how fast you are!. When it comes to building wealth, you have your own handoff to manage. You … Read more
Losing a loved one is never easy, and dealing with the legalities that follow can add to the stress. One common question that arises is whether you can empty a house before probate is completed. Most of the time, the short answer is no, because probate laws say that the estate’s assets must stay in … Read more
Have you ever stared at your bank account balance and wondered, “Am I keeping too much cash? Not enough?” You’re definitely not alone. With all the economic weirdness lately—stubbornly high inflation, swinging markets, and financial uncertainty—figuring out your cash sweet spot feels more important than ever. This question has been bothering me a lot lately. … Read more
The world of trusts is not one-size-fits-all. What kind of trust you pick should depend on how you want your assets to be managed now and in the future. Terry Ruhe, senior vice president and regional trust manager for U.S. Trust, says, “A trust can help you deal with specific tax issues or protect you … Read more
Being named as a beneficiary in someone’s will, trust, or insurance policy is both an honor and a responsibility. But many people don’t realize they have specific legal rights that protect their interests. I’ve seen countless situations where beneficiaries simply accept whatever information they’re given without questioning – and sometimes that leads to problems. As … Read more