Reflections Blog

Can the Small Cap Rally Continue?

Small cap stocks (as measured by the Russell 2000 Index) returned 22% in the final two months of 2023, nearly twice as much as the 12% return for large cap stocks (S&P 500 Index).

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Smart Tax Moves: The Top 10 Strategies to Increase Your Savings

Looking for ways to save on taxes before year end? Read these top ten tax-planning strategies to supercharge your finances.
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Is Your Firm Paying Too Much for Your 401(k)?

Understand the impact of 401(k) fees and meet your 401(k) fiduciary obligation with a 401(k) plan benchmark.
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Aligning Personal Values with Financial Goals

Discover the power of purposeful finances! Align your personal values with financial goals by reading these tips by Windgate Wealth.

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Principles, Thinking, Assassinations: Book Recommendations From Our Team

Principles, thinking, assassinations.  Nine book recommendations from our team.

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Why Wait? Things You Need to Know About Giving an Inheritance While Living

Want to help your kids financially but do not want to wait until you die? Here is what you need to know about an accelerated inheritance.
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Most Illinois Employers Required to Offer Retirement Plan by Nov. 2023

Most Illinois companies are now required to offer a state sponsored retirement plan if they do not already offer this benefit.  Here is what you need to know about Illinois Secure Choice program, and all your good alternatives.   

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Take Advantage of a Backdoor Roth IRA: Tips on Growing Your Retirement Savings Tax-Free

Earn too much to contribute to your Roth IRA?  Not anymore: get in the game with this tax-free strategy.

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Launch A 401(k) At No Cost with The New SECURE ACT Tax Credits

Launch a 401k plan for free with new SECURE ACT retirement plan tax credits.
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How to Handle Tax Payments When You Have a Variable Monthly Income

With higher interest rates on late payments and attractive cash options, ensure you have an estimated tax payment plan.

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Do Not Let Inflation Ruin Your Retirement

4 Easy Steps to Keep Inflation from Ruining Your Retirement
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Roth IRA Changes Under SECURE ACT 2.0

New ways to fund Roth IRAs: employer matching Roth contributions and unused 529 fund rollovers.  
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Getting Ready to Retire? A 12-Step Checklist to Keep You on Track

Getting ready to retire? Here is a 12-point checklist to ensure you are keeping your plan on track.
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Happy Thanksgiving! Here’s What We are Grateful For:

We hope your Thanksgiving leaves you refreshed and ready to look forward with hope. Remember, it is our ultimate goal to reduce our clients’ anxiety about money issues and to put their best interests first.
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Introducing: Professionally Managed 401(k) and 529 Accounts

Gain higher returns, less stress, and more long-term wealth by allowing your advisor to manage your current 401k account

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What Happens When Stocks Go Down 25%

The stock market does not fall 25-30% very often.  What has come next during similar periods in history?

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Do You Need Help Consolidating Old 401(k) Accounts?

Are your old and dormant 401(k)s missing out?  Simplify your retirement savings and possibly enhance your returns with account consolidation. 
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Actions to Take in Falling Markets

You are stressed out, but there is a better mindset that can keep you from making any big mistake.  
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Bear Market Becomes Official

Market perspective when your faith in the long-term is being tested

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The 4 Biggest Money Mistakes We See

We all have financial blind spots.  Here are four lessons learned from common money mistakes  
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4 Strategies to Help Preserve Gains from Your Company Stock

What if the source of your wealth creation became the biggest risk to your wealth preservation?  Here are strategies to reduce risk and plan for ongoing success.
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Jump-Start Your Financial Plan for 2024!

The pandemic experience has been disruptive, but it does give us a chance to reassess our priorities, including our finances.
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What Should You Do About Inflation and Stock Market Volatility?

Let’s put current conditions into perspective.  On average, declines of 10% or more happen about once a year
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Does It Make Sense to Pay Off Your Mortgage Early?

The word mortgage translates to “Death Pledge.”  Should you delay paying yours off anyway?

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Market Commentary: It’s been a long time since a pullback

Investors had a difficult time in September as a robust market rally that began over one year ago finally took a pause.

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Year-Round Tax Reduction Strategies

Don’t wait until next April to plan for taxes: reasons why it’s a good time to begin planning with your advisor and CPA now.    
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Should You Invest Your Health Savings Account into a Brokerage Account?

Max your 401(k) and IRA?  The health savings account can be lesser-known way to maximize retirement savings. 
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How to Maximize Your Estate for Future Generations

How you plan your estate will have a significant impact on how much your family must pay in taxes, especially if you own assets like company stock that you expect to appreciate substantially.

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How Physicians Can Reduce Liability with Retirement Plans

A way to protect yourself from liability and reduce taxes
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How Much Does Long-Term Care Really Cost in Illinois?

With costs in 2022 ranging from $60-$86K, understand your options to prepare
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