Broker Check
(859) 273-2171
triplecrownfin@ceterainvestors.com
Schedule a Meeting

Blog

Welcome to our blog—a space designed to keep you informed and confident about your financial journey.

Here, you’ll find insights on market trends, practical tips for managing your wealth, and strategies to navigate life’s financial milestones. Whether you’re planning for retirement, adjusting to economic changes, or simply looking to strengthen your financial foundation, our goal is to provide knowledge that empowers you.

We believe financial education is essential. That’s why we guide clients of all experience levels through the planning process, ensuring they have the knowledge to make informed decisions. Financial choices can bring questions and emotions. Our goal is to remove that stress, keep you focused on long-term goals, and provide clarity. We’re here to answer questions, discuss how current events impact your plan, and help restore balance. Schedule a meeting with our Triple Crown Financial team today to start building a plan that works for you!

Tuesday, May 19, 2026

May is Asian American and Pacific Islander Heritage Month. America owes much to Asian American and Pacific Islander citizens. This year, we would like to recognize the leaders, artists, scientists, and athletes.

Tuesday, May 12, 2026

A pension can be a powerful foundation for retirement—but it’s rarely the whole picture. For educators who are members of the Kentucky Teacher Retirement System (KTRS), retirement often involves multiple moving parts.

Wednesday, May 6, 2026

Just as every season brings change to nature, market cycles bring both challenges and opportunities. The trouble is that market volatility doesn’t arrive politely. It tends to barge into the living room, turn up the volume, cause emotions.

Tuesday, May 5, 2026

National Nurses Week (May 6–May 12) is one of those calendar moments that deserves more than a quick mention. It’s a chance to pause and recognize the people who show up—day after day, shift after shift—to care for our families & neighbors.

Tuesday, April 28, 2026

April is National Social Security Month—which makes it the right time to get proactive. Social Security isn’t just a line item on your retirement checklist. It’s often one of the few inflation-adjusted income sources available for life.

Show All

Tuesday, April 21, 2026

Just as every season brings change to nature, market cycles bring both challenges and opportunities. Earth Day is a good reminder that small, steady choices—repeated over time—can compound into something meaningful.

Tuesday, April 14, 2026

A meaningful, financially informed legacy doesn’t happen by accident. While your estate documents drive the transfer of assets, continuity depends on something more: education, structure, and shared understanding.

Tuesday, April 7, 2026

April is Financial Literacy Month—a timely reminder that “money skills” aren’t just adult skills. Many families I speak with want to help their children or grandchildren make smart choices, but they’re not always sure where to start.

Tuesday, March 31, 2026

As we continue our celebration of Women's History Month this March, the Triple Crown Financial team is here to highlight how retirement for women doesn't have to be just another "ending"!

Tuesday, March 24, 2026

Women often reach peak earnings earlier than men. Learn practical steps—pay negotiation, benefits, side income, and planning—to stay on track.

Tuesday, March 17, 2026

Learn how women can build credit confidence: get your free report, dispute errors, manage debt, and understand what impacts your score over time.

Tuesday, March 10, 2026

One of the more awkward estate planning topics—but also one of the most important—involves powers of attorney. At some point before our deaths, many of us will become physically and mentally unable to manage our own affairs.

Tuesday, March 3, 2026

Trusts are extremely powerful estate planning tools. A huge benefit is that they allow your property to pass to your beneficiaries without going through the lengthy and expensive legal process known as probate.

Tuesday, February 24, 2026

Wills convey our instructions about who should get our assets and who should care for our children after our death. Having this plan in place can give you confidence that your wishes are being carried out.

Tuesday, February 17, 2026

Having a will or trust doesn’t guarantee that your beneficiaries will inherit what you’ve intended for them. That’s because your beneficiary designations on certain types of financial assets— life insurance, retirement plans and more.

Tuesday, February 10, 2026

In celebration of the achievements of Black Americans and their integral role in our nation’s history, here are eight Black wealth builders we believe should be remembered. These individuals deserve recognition for their contributions.

Tuesday, February 3, 2026

Many people believe that higher income automatically leads to wealth, but without strong habits, spending often grows just as fast. Building wealth is less about big wins and more about consistent choices that compound over time.

Tuesday, January 27, 2026

A 403(b) plan can be among the most powerful retirement savings vehicles available—especially for employees of public schools, nonprofits, hospitals, and certain ministries. Here’s why taking advantage of it can be a smart financial move.

Tuesday, January 20, 2026

The Triple Crown Financial team wanted to remind you of important changes to 529 plans that expand how these valuable college‑savings tools can be used. Under the SECURE 2.0 Act, unused funds in 529 plans can be rolled over into Roth IRAs.

Tuesday, January 13, 2026

With tax season on the horizon, a little preparation now can make the process much smoother later. This time of year often brings plenty of paperwork and deadlines, so consider this a friendly nudge to start gathering what you’ll need.

Tuesday, January 6, 2026

The holidays are here and gone, and with them, it must be said, a considerable amount of money. Not all of it is money that folks intended to spend.

Thursday, December 25, 2025

Earning more throughout your career doesn’t guarantee wealth. Without strong habits, spending often rises alongside income, leaving little progress toward long-term goals. True financial growth comes from consistent choices over time.

Thursday, December 18, 2025

Many charities experience a surge in volunteers between Thanksgiving and New Year’s, as people look for ways to give back during the holiday season. Researchers note that this increase in service has deep roots in human behavior.

Thursday, December 11, 2025

As an investor, should you be more concerned about the value of your groceries or artificial intelligence? It may seem like a silly question, but there’s a serious answer.

Thursday, December 4, 2025

As the year ends, it’s a great time to check in on your retirement strategy, especially if you’re approaching your final working years. This transition is more than just a financial shift; it’s a lifestyle change.

Tuesday, November 25, 2025

If you find yourself simultaneously raising your own children while tending to your parents as they grow older, you’re not alone. This space affords you an opportunity to learn from your parents and decide your own future.

Tuesday, November 18, 2025

In the evolving landscape of the workforce, where four distinct generations coexist, addressing the diverse retirement planning needs of your employees can be a challenge. The path to retirement readiness is unique for each age group.

Tuesday, November 11, 2025

As the year winds down, it’s the perfect time to take strategic action to preserve your wealth, optimize your tax exposure, and build a lasting legacy. These year-end moves can help you finish strong.

Tuesday, November 4, 2025

On July 4, 2025, a major new tax law—the “Make American Workers and Families Thrive Again Act”—was signed into law. This wide-reaching legislation updates many parts of the 2017 Tax Cuts and Jobs Act.

Tuesday, October 28, 2025

There’s something for everyone in the One Big Beautiful Bill Act of 2025. In fact, the Tax Foundation calculated that the new law avoided a tax hike on 62 percent of tax filers in 2026. In dollars and cents, that works out to almost...

Tuesday, October 21, 2025

“Adjusted for inflation” is a phrase you may think isn’t important. But when you see it in action, you might change your mind. Let’s examine how “adjusted for inflation” has affected a couple of tax rules and their impact on Social...

Tuesday, October 14, 2025

You've likely heard about the "One Big Beautiful Bill Act," which was signed into law on July 4, making many of the 2017 Tax Cuts and Jobs Act provisions permanent. Given the bill's length (887 pages) and complexity, we wanted to help...

Tuesday, October 7, 2025

The Fed lowered short-term interest rates at its September 2025 meeting, but the question on most people’s minds is, “What’s in it for me?” That’s a fair question, so here are some ideas to consider. First-wave changes: Any loan...

Wednesday, October 1, 2025

Cetera Investment Management is pleased to release its 2025 Q4 Outlook titled, “Are We Entering a Jobless Expansion?” In this outlook, they explore how the Fed’s next move, rising tariff risks, and a weakening labor market.

Thursday, September 25, 2025

Budgeting is a powerful first step on the path to building wealth as an investor. By establishing mindful financial habits at any age, you can build a solid foundation to support your long-term financial goals.

Thursday, September 18, 2025

September is National Life Insurance Awareness Month- it’s a great time to review your coverage. If you don’t have any life insurance, you’re not alone. Life insurance is one of those “someday” things for many, but it doesn't have to be!

Thursday, September 11, 2025

Every year on September 11, we pause to honor the lives and remember the courage, sacrifice, and unity that followed.

Thursday, September 4, 2025

As the fall semester kicks off, many parents are helping their college-aged children settle into campus life. This season brings a different kind of challenge: supporting financial independence while staying involved just enough.

Thursday, August 28, 2025

Insurance is a powerful and often underappreciated tool in financial planning. It functions both as a safeguard and a strategic pillar for protecting your income, assets, and legacy goals. We'll talk through what insurance can offer you.

Thursday, August 21, 2025

Do you have a plan in place to manage business risk? Even the best-laid plans are subject to uncontrollable forces, such as changing economic and financial markets, new tax legislation, or your industry’s unique competitive environment.

Thursday, August 14, 2025

Retirement should be a time of stability, enjoyment, and freedom—but rising costs can potentially put a strain on even the most carefully planned budget. With thoughtful planning and tailored strategies, you can reduce inflation risk.

Thursday, August 7, 2025

Even the most well-planned retirement can be disrupted by unforeseen expenses. Many retirees underestimate how unpredictable certain costs can be—and how easily they can derail an otherwise sound financial strategy.

Tuesday, July 29, 2025

Estate or legacy planning is a vital way to help you plan for your family’s future. Making legally effective arrangements now, preserves and transfers your wealth, bringing great peace of mind to you and your family.

Tuesday, July 22, 2025

It feels as if we just started our summer vacations, but no doubt, you’re already seeing “back to school” ads and dreaming of cooler temperatures. We’re here to remind you that it’s OK to sit back and enjoy the vacations and warmer weather.

Tuesday, July 15, 2025

Retirement should be a time to enjoy the fruits of years of hard work and preparation, but when it comes to Social Security, many people have more questions than answers.

Tuesday, July 8, 2025

Building wealth in today's economy may feel like an uphill battle. But, with careful planning and consistent steps, saving and investing to build wealth is still possible. The Triple Crown Financial team is prepared to help.

Tuesday, July 1, 2025

Realizing you have less saved for retirement than you think you’ll need can be concerning. Despite potential setbacks like supporting children through college or managing unexpected expenses, it's never too late.

Tuesday, June 24, 2025

Today’s financial landscape is filled with opportunities, but many people still believe that building wealth through investing requires a rigid, one-size-fits-all approach. In reality, investing is a deeply personal process that...

Wednesday, June 11, 2025

Building wealth in today’s economy may feel challenging due to rising costs amid inflation. However, with intentional planning and consistent effort, you could still make meaningful progress toward your financial goals. The Role of...

Wednesday, June 4, 2025

When it comes to Social Security, many people have more questions than answers. By separating facts from fiction, you can make more informed decisions about your retirement planning. Myth 1: Social Security Won't Exist When I Retire...

Wednesday, May 28, 2025

Today’s financial landscape is rich with opportunities, but many still believe in following a ‘cookie-cutter’ approach to investing and building wealth. In truth, investing should be a personalized process, shaped by your goals,...

Wednesday, May 21, 2025

Realizing you have less saved for retirement than you need or hoped for can trigger concern about the future. The good news is, there’s always time to take strategic steps forward. 4 Tips for Setting Retirement Savings Goals Evaluate...

Tuesday, May 6, 2025

The SECURE Act 2.0 has introduced catch-up contribution choices for those aged 50+, designed to help boost your retirement savings. These enhanced catch-up provisions are available if you're participating in workplace retirement plans...

Tuesday, April 29, 2025

Have you ever heard the expression, “It’s a buyer’s market?” That phrase describes what’s happening with today’s residential real estate: homes are selling for under their asking price and are taking longer to sell. Good news for...

Tuesday, April 22, 2025

Warren Buffett, known by some as the Oracle of Omaha, gets much attention whenever he speaks on the record. In a letter opening his company’s annual report, he’s again caught the ear of the business world.1 Some highlights from the...

Tuesday, April 15, 2025

“Be fearful when others are greedy and greedy when others are fearful” is one of my favorite quotes by Warren Buffett. His words of wisdom encourage investors to be contrarian. He challenges investors to “go against the grain” when...

Tuesday, April 8, 2025

You may have heard about the recently signed Social Security Fairness Act and wondered what it was and how it might affect you. The Social Security Fairness Act eliminates two longstanding provisions for Social Security: the Windfall...

Tuesday, April 1, 2025

Even small decisions can have a big impact on your financial situation. By understanding your cash flow and taking a tax-smart approach, you can help make your money work harder toward your long-term goals. What Is Cash Flow and Why...

Tuesday, March 25, 2025

Managing income during retirement is often less straightforward than it was during working years. Instead of accumulating wealth, you’re now spending that hard-earned nest egg. By implementing effective tax strategies, you can...

Tuesday, March 11, 2025

As retirement approaches, it's time to think about shifting your focus from accumulation to spending. A well-planned, tax-efficient retirement withdrawal strategy can help you make the most of your assets and set the stage for a...

Tuesday, March 4, 2025

During your golden years, you’ll likely find that managing your income looks different than it once did. By implementing effective tax strategies, you can potentially reduce your tax burden and make your hard-earned savings last.

Tuesday, February 25, 2025

As you transition into retirement, your financial focus will likely shift from building your savings to managing your spending. A tax-efficient withdrawal strategy can help you maximize your assets and enjoy a fulfilling retirement.

Tuesday, February 18, 2025

Financial stability often hinges on consistent, strategic decisions. By understanding your cash flow and approaching it with a tax-intelligent mindset, you can help maximize your money’s potential and move closer to long-term goals.

Tuesday, February 11, 2025

As you grow and manage your wealth, consider these five tax-efficient investment strategies that could help optimize returns and minimize your tax burden.

Tuesday, February 4, 2025

Every February, Americans celebrate Black History Month. This year, we invite you to join us in remembering the accomplishments of Black citizens, past and present, which are an integral part of American history.

Tuesday, January 28, 2025

Not having positive money management habits can have a severe impact not just on your current finances but also on your future finances. Creating and sticking to good habits can help you feel more in control.

Tuesday, January 21, 2025

This month, America honors the legacy of Dr. Martin Luther King, Jr. As we look around today, we see manifestations of that legacy in the form of stronger, more diverse communities, in the continued fight for equality, and in the...

Tuesday, January 7, 2025

Manage Your Money More Effectively Not having positive money management habits can have a severe impact not just on your current finances but also on your future finances. Creating and sticking to good habits can help you feel more in...

Tuesday, December 31, 2024

Are you turning 62 years young this year? Then the Triple Crown Financial team wants to wish you an extra special Happy birthday! 🎉🥳 As you know, you are not just celebrating another year of your amazing journey.

Tuesday, December 24, 2024

If you’re like most of us, you’ve probably been thinking about your health quite a bit lately — especially if you’re approaching retirement. The Triple Crown Financial team understands. Anticipating your future medical costs is difficult.

Tuesday, December 17, 2024

As you build your legacy, considering how to leverage your charitable contributions can be a fulfilling endeavor. Qualified Charitable Distributions (QCDs) can offer an opportunity to support your favorite causes and manage your...

Tuesday, December 10, 2024

The Internal Revenue Service released the updated income tax brackets, standard deduction, and retirement contribution limits for the 2025 tax year. While these changes won’t impact you for some time, it may benefit you to start...

Tuesday, December 3, 2024

Determining the right type of life insurance for your family’s needs can be confusing and complex. Do you need term, permanent, or a combination of the two? Do you need whole, universal, or variable life? Term insurance is used for...

Tuesday, November 26, 2024

Did you know that allocating a portion of your portfolio to purchase a life insurance death benefit can help offset market losses? That’s because life insurance complements other asset classes, such as stocks and bonds, helping to...

Tuesday, November 26, 2024

THE REWARDS THAT COME WITH CHARITABLE GIVING Some charitable contributions are 100% tax deductible, while others you can't deduct from your taxes. If you want to maximize your tax savings through charitable giving, it's important to...

Tuesday, November 19, 2024

Are You Using Your Lossesto Your Advantage? What is tax-loss harvesting? Tax-loss harvesting is a strategy that helps you reduce the taxes you owe on the capital gains from one investment with the capital losses from a different...

Tuesday, November 12, 2024

Turning 50 is a milestone for many reasons. You’re likely in your peak earning years and no longer have kids at home. You’re paying down debt, and your wealth is higher than it was a decade earlier. Changing circumstances means...

Tuesday, November 5, 2024

Most people would argue that your 40s are one of the best times in your life. You’ve hit your stride—from your personal life to your career—and have learned how to juggle boardroom meetings and soccer practice. From a financial...

Tuesday, October 29, 2024

Insurance Should Serve You Insurance coverage changes from provider to provider and plan to plan, as well as from person to person. There will likely be times when you’re paying for insurance that you're not using. Even if that’s the...

Tuesday, October 22, 2024

There are certain financial areas in your 40s that can help set the groundwork for a successful financial future.Your financial tip for today: Cut your debtIf you have credit cards, student loans, or medical bills, create a plan to...

Tuesday, October 15, 2024

Americans are living longer than ever and that, of course, means they need more and more retirement savings. According to the CDC, we’re living to age 78.6 on average.1 That’s a lot of candles on the cake. Using today’s average...

Tuesday, October 8, 2024

Are Streaming Services Keeping You From Retiring? We all love our streaming services. It might have started with just one, but as more are created, and you add shows to your must-see list, you shell out more and more each month to...

Tuesday, October 1, 2024

Manage Your Money More Effectively Not having positive money management habits can have a severe impact not just on your current finances but also on your future finances. Creating and sticking to good habits can help you feel more in...

Tuesday, September 24, 2024

Although many people view retirement as one stage of life, it’s actually three! Each stage is reflective of your health and independence and can significantly impact your wallet. The spending pattern throughout retirement is U-shaped,...

Tuesday, September 17, 2024

The journey to and throughout retirement requires planning and strategy. Here are six powerful tax and investment strategies you can leverage to help you save and pursue your goals for retirement. 1. Consider a Roth IRA A Roth IRA is...

Tuesday, September 10, 2024

This is an age-old question clients ask all the time. Let’s help settle this debate by explaining and comparing two of the most popular ways to save for retirement—the 401(k) plan and the IRA (Individual Retirement Account). 401(k)...

Tuesday, September 3, 2024

Estate or legacy planning is a vital way to help you plan for your family’s future. It involves two steps: Making legally effective arrangements to preserve your wealth Employing effective strategies for transferring your wealth...

Sunday, September 1, 2024

It’s time for your life insurance checkup. September is National Life Insurance Awareness Month, so it’s a great time to review your coverage.1 If you don’t have any life insurance, you’re not alone. Life insurance is one of those...

Tuesday, August 27, 2024

I don’t know about you, but every time I see headlines that say, “Top 10 Reasons” or “How Much Do You Need,” I click on it. So when I saw the CNBC article, “You’ll need at least $1 million to retire comfortably in these 10 U.S. States...

Tuesday, August 20, 2024

We get regular updates on the Social Security trust fund. In early May, the Social Security Board of Trustees announced that the trust funds had revenue to pay full benefits until 2035. Generally speaking, the headline's tone is very...

Tuesday, August 13, 2024

Did you know that women reach their peak earnings at age 44—a full 11 years before men?1 There are a variety of reasons for this gap—including trends for specific career fields, the choice to start a family, and ethnicity—but it can...

Tuesday, August 6, 2024

Many are aware that tax-free earnings growth and the ability to pass assets to beneficiaries on a tax-free basis make Roth IRAs a popular retirement savings strategy. But did you know Roth IRAs can be particularly beneficial to women...

Tuesday, July 30, 2024

On average, women in the U.S. live longer than their male counterparts, making outliving their income in retirement a very real possibility for many. According to a 2019 study from T. Rowe Price measuring gender and retirement: 43% of...

Tuesday, July 23, 2024

For many women like you, being financially secure is an important goal, whether you’re married, single, working, or staying home with children. This financial independence can give you a certain level of empowerment and confidence...

Tuesday, July 16, 2024

The importance of having a savings plan can’t be stressed enough. Women have an even greater need than men to begin saving as much as they can early in their careers, since they have a longer lifespan than men1 and typically earn less...

Tuesday, July 9, 2024

Did you know that it wasn’t so long ago that women faced challenges in obtaining credit? In the 1960s and 1970s, legislation provided women with equal access to credit opportunities, paving the way for their independence and...

Tuesday, July 2, 2024

College savers often wonder whether saving too much can hurt their kids’ chances of receiving financial aid. It’s a complicated topic, and the answer will vary from family to family. In general, saving a significant amount in a 529...

Tuesday, June 25, 2024

In the middle of all your exciting plans for retirement, one further task is planning your estate with your family. Start to think about how best to engage with your kids in discussions concerning your financial legacy. The Best Time...

Tuesday, June 18, 2024

You've built a solid foundation for wealth and are moving closer to retirement. Your kids are adults with financial pressures and goals of their own, and your parents, if living, are advanced in their years. It’s time to talk with...

Tuesday, June 4, 2024

If you find yourself simultaneously raising your own children while tending to your parents as they grow older, you’re not alone. Often aptly referred to as “the sandwich generation,” it’s at this unique stage that you're sandwiched...

Tuesday, May 28, 2024

Let’s take a moment to reflect, remember and honor all the brave men and women who made the ultimate sacrifice for our country.

Tuesday, May 21, 2024

Can you imagine winning $1.13 billion (before taxes)? If you've seen the headlines, you know this isn't a hypothetical for one lucky resident of New Jersey.1 I have no doubt the winner will feel like (over) a billion bucks if they...

Tuesday, May 14, 2024

Wishing you an extra special Mother’s Day. Have a wonderful time celebrating!

Tuesday, May 7, 2024

May is Asian American and Pacific Islander Heritage Month. America owes much to Asian American and Pacific Islander citizens. This year, we would like to recognize the leaders, artists, scientists, and athletes of Asian American and...

Tuesday, April 30, 2024

As you are building your wealth and saving for retirement, a Roth IRA could be a tax-advantaged solution for you to invest your money and boost your retirement savings. Money that goes into a Roth IRA is after-tax dollars. Because...

Tuesday, April 23, 2024

Certain credits, such as the American Opportunity Credit and Lifetime Learning Credit, were retained under the 2017 tax reform bill. Both the American Opportunity Credit and Lifetime Learning Credit provide tax breaks to help pay for...

Tuesday, April 16, 2024

Managing your income to minimize taxes can be challenging due in part to complex tax provisions. The alternative minimum tax (AMT) and the 3.8% surtax on net investment income both involve complex calculations, making it difficult for...

Tuesday, April 9, 2024

Over the years, I've come to believe that learning to navigate financial discussions and events in a relationship is a "must" that transcends generations. However, recent data shows that Gen Z and Millennial couples are forging their...

Tuesday, April 2, 2024

As we continue through 2024, I wanted to share some data that many may find positive. Fidelity Investments just announced that 440,000 retirement savers reached an incredible milestone in 2023: $1 million in their 401(k).1 That's...

Tuesday, March 26, 2024

Wishing you a happy Easter and a spring filled with lots of sunshine!

Tuesday, March 19, 2024

Spring is here! And soon the landscape will turn greener and the weather warmer. Perhaps you are already thinking about what you would like to do – the trips you could take, that new look for your yard or your garden, a day at...

Friday, March 15, 2024

Many are aware that tax-free earnings growth and the ability to pass assets to beneficiaries on a tax-free basis make Roth IRAs a popular retirement savings strategy. But did you know Roth IRAs can be particularly beneficial to women...

Tuesday, March 12, 2024

St. Patrick’s Day is fast approaching! On March 17, the annual celebration of Irish culture begins with parades, festive music, and fun from coast to coast. Celtic music, Irish pastries, corned beef and cabbage, the camaraderie,...

Tuesday, March 5, 2024

Sir John Templeton once said, "The four most expensive words in investing are: ‘This time it’s different."1 And normally, I would agree. But it seems like the phrase, "This time it’s different," may actually apply to...

Tuesday, February 27, 2024

Discover the key considerations in choosing Medicare coverage, including costs, coverage rules, doctor choices, and travel coverage, among others. Plus, learn how to protect yourself from the Medicare COVID Test Scam, which involves...

Tuesday, February 20, 2024

Every February, Americans celebrate Black History Month. In addition to honoring the accomplishments of Black Americans past and present, many clients often ask if they can do more. The answer is yes! By supporting Black-owned...

Wednesday, February 14, 2024

It’s an honor to help you plan for your financial future. Thanks so much for your business! Have a happy Valentine’s Day!

Wednesday, February 7, 2024

Every February, Americans celebrate Black History Month. This year, we invite you to join us in remembering the accomplishments of Black citizens, past and present, which are an integral part of American history. Whether it’s...

Tuesday, January 30, 2024

Investors know that the stock market moves in cycles, but few are comfortable when the cycle takes stock prices lower. And since late August, the cycle has been decidedly lower. If you’re looking for reasons to worry, you...

Tuesday, January 23, 2024

Fed Chair Powell finally made his much-anticipated “pivot” at the close of the Fed’s two-day December meeting, saying he sees short-term rates heading lower next year. Perhaps much lower. Surprised but excited, the...

Tuesday, January 16, 2024

This month, America honors the legacy of Dr. Martin Luther King, Jr. As we look around today, we see manifestations of that legacy in the form of stronger, more diverse communities, in the continued fight for equality, and in the...

Tuesday, January 9, 2024

The Internal Revenue Service has released new limits for the coming year. After months of high inflation and financial uncertainty, some of these cost-of-living-based adjustments have reached near-record levels. Individual Retirement...

Tuesday, January 2, 2024

May this year be the brightest, most adventurous and memorable one yet. Enjoy celebrating!

Tuesday, December 26, 2023

If you're approaching retirement, you're probably already familiar with some common steps to help you save money, including contributing to your retirement savings plans and avoiding early withdrawals or overly conservative investing...

Tuesday, December 19, 2023

Wishing you and your loved ones a magical and joyous holiday!

Tuesday, December 12, 2023

Hospital bills can be scary and overwhelming. If you owe medical debt, you're not alone. Studies show that 1 in 10 Americans owe medical debt.1 Let’s explore how to navigate often intimidating hospital bills and how to advocate...

Tuesday, December 5, 2023

Everybody wants to save on their taxes. If you think tax-saving strategies are too complicated, you could be missing out on tax savings. There are a few simple tax-saving strategies available to nearly everyone. Tax planning is more...

Tuesday, November 28, 2023

This November we celebrate and honor Native American Heritage Month. First authored by Jerry C. Elliot-High Eagle in 1976, the event was announced by President Ronald Reagan in 1986, then expanded from a week to the full month of...

Tuesday, November 21, 2023

Warm wishes to you and your family. Happy Thanksgiving!

Tuesday, November 14, 2023

Interest rates are the price tags for borrowing money. It's the extra amount you owe on top of the original loan. Dreaming of buying a home? Learn more about how changing interest rates can affect your mortgage payments. Rate...

Tuesday, November 7, 2023

At some point in their lives, most people will need some long-term care whether that's at an assisted living community or at-home medical care. When preparing for this future, it can be hard to know where to start. And preparing for...

Tuesday, October 31, 2023

A health savings account (HSA) is more than a way to pay for certain medical costs. It can be a tax-free vehicle for boosting your income for a financially rewarding retirement. Learn more about saving for medical expenses, and beyond...

Tuesday, October 24, 2023

Open enrollment is coming up soon, and it's important to know about all your insurance plan options before deciding which one is right for you. Two options you could have are a Health Savings Account plan (HSA) and a Preferred...

Tuesday, October 17, 2023

According to the Education Data Initiative, the average annual cost of college per student, per year in the U.S., including books, supplies and living expenses is $36,436.1 The average cost of college has risen over 2% over the last...

Tuesday, October 10, 2023

Just as it’s important to prepare for what happens if you pass away, you should consider the Social Security benefits that may be available if you are the survivor — the spouse, child or parent — of a worker who dies...

Tuesday, October 3, 2023

How to Prepare for Retirement Living Transitioning into retirement can be both exciting and challenging. After years of hard work, you finally have the opportunity to relax and enjoy what are often called your “golden years...

Tuesday, September 26, 2023

Conversations about money can be tense and uncomfortable, especially when it’s a conversation with your long-term partner or spouse. Money problems and miscommunications about finances can cause tension and lead to larger issues...

Tuesday, September 19, 2023

Buying a car can be an exciting experience. Deciding what type of car fits your needs the best, picking out the features you have to have – all crucial decisions to make. But have you thought about how you’re going to...

Tuesday, September 12, 2023

From Sept. 15 to Oct. 15 we celebrate National Hispanic Heritage Month. It’s time to honor the culture and contributions of the Hispanic and Latin Americans that make up our great nation. National Hispanic Heritage Month started...

Tuesday, September 5, 2023

It’s time for your life insurance checkup.September is National Life Insurance Awareness Month, so it’s a great time to review your coverage.1If you don’t have any life insurance, you’re not alone. Life...

Tuesday, August 29, 2023

Just as it’s important to prepare for what happens if you pass away, you should consider the Social Security benefits that may be available if you are the survivor — the spouse, child or parent — of a worker who dies...

Tuesday, August 22, 2023

Transitioning into retirement can be both exciting and challenging. After years of hard work, you finally have the opportunity to relax and enjoy what are often called your “golden years.” But this major life change requires planning.

Tuesday, August 15, 2023

Money conversations can feel tense and uncomfortable, especially when they involve a long-term partner or spouse. With the right approach, these conversations can strengthen your relationship and set the stage for a healthier financial view

Tuesday, August 8, 2023

When you're buying a car, it's more than choosing a style or pitting colors against each other—it’s a financial decision that can impact your budget for years. Before you sign anything, consider the following key areas.

Tuesday, August 1, 2023

Many of us grew up thinking “bigger is better” when it comes to homes—but that’s not always the case. More and more people are choosing to simplify their lives, and for some, that means downsizing.

Tuesday, July 25, 2023

You’ve probably heard how important it is to name beneficiaries for your retirement accounts, life insurance policies, and other assets—but it’s worth emphasizing just how big of an impact this simple step can have.

Tuesday, July 18, 2023

Did you know an estimated 70% of wealth passed down doesn’t make it past the second generation? Up to 90% disappears by the third generation. This is why proper financial education, and an established estate plan are important.

Tuesday, July 11, 2023

What are the Most Common Employee Benefits? If you just started a new job or are preparing for life changes, it’s important to check in on your employee benefits. But what do “employee benefits” include?

Tuesday, June 27, 2023

If you want to review whether your estate plan reflects your wishes, you can contact the office at any time. When preparing their estate plans, most people decide to leave their estate to one or a combination of three beneficiaries.

Tuesday, June 20, 2023

Life insurance is more than a policy—it’s a promise of financial protection for those who matter most to you. If your loved ones rely on your income, life insurance can help ensure they’re cared for in the event of your passing.

Tuesday, June 13, 2023

Choosing a life insurance plan that works for your circumstances can feel like choosing from a seemingly endless array of options. Two of the biggest life insurance categories are “term” and “permanent” life insurance.

Tuesday, June 6, 2023

Fluctuations in the stock market are inevitable, as national and global circumstances are constantly changing. The only thing you can control is your reaction, and how informed you are about trends in the market.

Tuesday, May 30, 2023

If you own a business, you may have already considered who will take over the company once you retire. As you know, this may include tasks like identifying and training potential replacements for key roles in the organization.

Tuesday, May 23, 2023

We all know there are various tactics for building long-term wealth. Paying off your mortgage early may be an option for some. However, focusing on investing money or paying off other debts first could be more beneficial.

Tuesday, May 16, 2023

Planning your retirement income distribution requires a multi-step strategy and budget for all of your income and spending expectations in retirement. For the most accurate plan that best reflects your financial circumstances.

Tuesday, May 9, 2023

Are the stocks you’re interested in buying more than you want to pay? You do have the option to buy a portion of a stock, rather than the whole thing. Fractional shares are “pieces” of a single stock.

Tuesday, May 2, 2023

May is Asian American and Pacific Islander Heritage Month. America owes much to Asian American and Pacific Islander citizens. This year, we would like to recognize the leaders, artists, scientists, and athletes.

Tuesday, April 25, 2023

As you’re nearing retirement, it’s important that you use all the resources at your disposal to get ready for your golden years. Deferred compensation may be a tool that you can use to help.

Tuesday, April 18, 2023

The first step to take when building wealth is determining your net worth. Net worth is the total of your assets minus your liabilities. In other words, the value of everything you own, minus what you owe creditors.

Tuesday, April 11, 2023

Gifting stocks can be a great idea. Whether you give one share, 100 shares, or even more, gifting a stock can help loved ones build their wealth. It can also be an ideal way to donate to the charity of your choice.

Tuesday, April 4, 2023

At one time, retirement accounts were straightforward. These days, there are many retirement account options, leading to confusion and questions. Let’s review some key differences between sponsored and non-sponsored retirement accounts.

Friday, March 31, 2023

April marks the start of Financial Literacy Month, a nationally recognized movement to promote and support financial understanding in children and teens. For many, it's a fantastic opportunity to teach and connect with their children.

Tuesday, March 28, 2023

The financial situation you were in thirty years ago is far different from the financial situation you’re in now. You likely have different concerns and priorities. In this blog post, we’ve prepared a few considerations for clients.

Tuesday, March 21, 2023

As of 2022, the average cost of tuition and fees for an in-state public college or university was almost $24,000 per year. And for private colleges and universities, that number is even higher.

Tuesday, March 14, 2023

Scammers are constantly adapting their strategies to get access to your personal or financial information. As scam tactics become more detailed and frequent, it’s important to know how to spot the attacks.

Tuesday, March 7, 2023

Roth IRAs are a highly recommended retirement account for a reason. Originally introduced as the ‘IRA-Plus’, these accounts were designed to empower middle-class Americans to save for retirement. Roth IRAs are a highly recommended.

Tuesday, February 28, 2023

It’s that time of year again and the April 15th deadline is right around the corner. As a reminder, you can file for a tax extension by submitting Form 4868 to the IRS.

Tuesday, February 21, 2023

Most people with any time in the workforce have a 401(k). It’s one of the most common benefits offered by employers today. Although 401(k)s are typically included in financial planning conversations, it's important to know how they can work

Thursday, February 9, 2023

Brittany Miller Edelen, CSSCS Renews Membership with the Financial Services Institute. Louisville, KY – Local financial advisor Brittany Miller Edelen of Cetera Investors, today announced she has renewed membership with FSI.

Tuesday, February 7, 2023

Chances are your employer provides varying benefit plan incentives designed to help you save for retirement. All employer retirement plans fit into two main categories: qualified retirement plans and non-qualified retirement plans.

Tuesday, January 31, 2023

It takes hard work, time, and dedication to pursue your ideal financial future. Setting goals can help you carefully consider what you want your financial future to look like and help you work towards that. Here are a few tips.

Tuesday, January 24, 2023

Nice and cozy can turn to cabin fever in a hurry. We’ve been there and recommend these activities when it’s time to break up that winter monotony. Visit a museum! Museums are at their busiest during the spring and summer.

Tuesday, January 17, 2023

We have all heard bad financial advice at some point in our lives. These misconceptions seem small but end up doing more harm than good. Here are a few of the most common misconceptions we’ve heard from clients.

Monday, January 16, 2023

This month, America honors the legacy of Dr. Martin Luther King, Jr. As we look around today, we see manifestations of that legacy in the form of stronger, more diverse communities, in the continued fight for equality.

Tuesday, January 10, 2023

Many people notice the effects of inflation on their grocery bill or at the gas station when a full tank costs more than they remember. The Triple Crown Financial team is here to answer questions and help focus on your long-term goals.