Resources
Whether you’re a widow, a business owner, or a professional afraid to face retirement, I have various resources here to get your started.
If you’re ready to go deeper, schedule a call with me on my calendar.
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Leave a Lasting Gift with an Ethical Will
A legal will describes how you want your material assets to be distributed, but how do you leave behind your values? Using an ethical will, also called a legacy letter, you can tell your personal story and communicate your beliefs and life lessons to your family,...
Coming in 2024: New 529 Plan-to-Roth IRA Rollover Option
In December 2022, Congress passed the SECURE 2.0 Act. It introduced two new rules relating to 529 plans and student debt that will take effect in 2024. The first provision allows for tax- and penalty-free rollovers from a 529 plan to a Roth IRA. The second provision...
U.S. Economy: Soft Landing or Delayed Recession?
Economists have been predicting a recession for the U.S. economy ever since the Federal Reserve began aggressively raising interest rates in 2022. This is Econ 101. High interest rates, which make it more expensive to borrow, are intended to tame inflation by slowing...
Enriching a Teen with a Roth IRA
Teenagers with part-time or seasonal jobs earn some spending money while gaining valuable work experience. They also have the chance to contribute to a Roth IRA — a tax-advantaged account that can be used to save for retirement or other financial goals. Minors can...
New FAFSA Favors Grandparent College Giving
Helping a grandchild obtain a college degree could be a lifelong gift, but grandparent giving has often required fiscal gymnastics to avoid reducing a student’s financial aid eligibility. That is changing with the 2024–2025 Free Application for Student Aid (FAFSA),...
Managing Medicare Out-of-Pocket Costs
Medicare covers only 60% of total health-care costs for Americans age 65 and older.1 Deductibles, copays, coinsurance, and payments for services not covered by Medicare can result in substantial out-of-pocket expenses. And there is no annual or lifetime out-of-pocket...
What Is a Mutual Fund Load?
Mutual fund transactions can be complicated, especially with the fees and expenses that accompany the process. It’s important to understand mutual fund loads, or sales charges, and exactly what they entail so you can make informed investing decisions. A “load” is a...
What Is a Closed-End Fund?
Closed-end funds have been around since 1893, more than 30 years before the first mutual fund (also known as an open-end fund) was created in the United States. However, closed-end funds are much less common than open-end funds. There are around 450 closed-end funds...
What Is a Mutual Fund?
Since the creation of the first modern-day mutual fund, the Massachusetts Investors Trust, in 1924, there has been a steady growth of mutual funds. Today there are around 7,000 mutual funds.1 Because of their convenience and flexibility, you might want to...
How Do Mutual Funds and Stocks Differ?
Whether you’re a first-time stock investor or a seasoned veteran, you should understand what differentiates single stock investments from mutual fund investing. Picture a collection of stocks, bonds, or other securities that are purchased by a group of investors and...
What Is a Stock Index?
In 1884, Charles Henry Dow averaged the closing prices of 11 stocks he considered representative of the strength of the U.S. economy in a paper that preceded The Wall Street Journal. By 1896, The Wall Street Journal was publishing this average on a...
What Do Bond Ratings Mean?
Bond ratings gauge a bond issuer’s financial ability to repay its promised principal and interest payments. Ratings are based on an analysis of the issuer’s financial condition and creditworthiness. In essence, the higher the rating, the more likely it is that a...
CONTACT Carolyn
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Mon–Fri 9:00AM – 5:00PM
Opening hours
Mon–Fri 9:00AM – 5:00PM
Talk to Carolyn
Schedule a call or Call at 919-729 6545
Talk to Carolyn
Schedule a call or Call at 919-729 6545