May 22, 2025
TLDR Social media has grown to be an important platform for exchanging and consuming information in the current era, including news and financial advice.  Although this accessibility has advantages, it also makes it difficult to distinguish between untrustworthy and trustworthy financial information resources. Why is it so Hard to Identify Credible & Trustworthy Financial Sources on Social Media? The short-form...
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May 22, 2025
How To Choose the Right Investments for RetirementÂ
TLDR Making important decisions about investment strategies in advance of retirement will guarantee growth and stability of funds throughout your post-retirement years. With correct planning, your nest egg can be maintained, and even grown, to ensure a comfortable retirement income and offer you the ability to take care of loved ones after you’ve left the workplace. With so many investment...
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May 22, 2025
Test Your Financial Literacy: Take the Ultimate Financial Knowledge Quiz
TLDR Are you ready to test your financial knowledge? Whether you are a seasoned investor or just starting your financial journey, understanding the fundamentals of financial planning is crucial. This financial acumen quiz is designed to test your knowledge of key financial concepts, from the importance of a diversified investment portfolio to the principles of budgeting and investment strategies. Take...
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May 22, 2025
Is Real Estate Investing a Smart Option for Retirement in Central Pennsylvania?
TLDR Considering real estate investing as part of your retirement strategy can be a smart move. This guide explores how real estate can offer financial security in your golden years. From rental properties generating steady income streams to potential appreciation in value, real estate has the potential to become a reliable source of income alongside your retirement savings. How to...
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May 13, 2025
How to Use the Backdoor Roth IRA to Maximize Tax-Free Retirement Savings
The Rising Popularity of Backdoor Roth Conversions IRS data reveals a 300% surge in Roth conversions among $200k+ earners since 2010, driven by shrinking tax shelters and growing awareness of this legal loophole. The strategy’s core appeal lies in its ability to combine tax-free growth, no RMDs, and estate planning advantages-a trifecta unmatched by traditional retirement accounts. How the Backdoor Roth IRA Process Works The...
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May 12, 2025
Why Pre-Tax Contributions Outmaneuver Roth in Peak Earning Years: Even with Rising Tax Rates
The Math Behind the Advantage For high earners in the 35-37% tax brackets, pre-tax contributions act as powerful accelerators of wealth accumulation. When you contribute $23,000 to a pre-tax 401(k), you immediately save $8,050 in taxes. This immediate tax relief isn’t just about saving money today-it’s about having more capital working for you over decades. Research from Bernstein highlights that...
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May 11, 2025
1031 Exchanges: The Ultimate Guide to Tax-Deferred Real Estate Swaps
A 1031 exchange is one of the most powerful wealth-building tools in real estate, allowing investors to defer capital gains taxes indefinitely while scaling their portfolios. But this IRS provision isn’t a simple swap-it’s a high-stakes strategy requiring precision timing, strict compliance, and careful planning. Here’s how savvy investors leverage 1031 exchanges to build generational wealth, and the pitfalls that...
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May 10, 2025
The Science of Keeping More: How Tax Efficiency Compounds Wealth
Tax efficiency isn’t just a strategy-it’s a wealth multiplier. Consider this: A $100,000 portfolio growing at 8% annually would compound to $466,096 over 20 years without tax drag. But with just a 2% annual tax hit-common for actively managed funds-that same portfolio shrinks to $367,212, a $100,000 difference that could fund years of retirement. Studies reveal this gap isn’t theoretical....
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May 10, 2025
Stagflation vs. Recession: Key Differences and Economic Impacts
Understanding the distinction between stagflation and recession is critical for investors, policymakers, and businesses. While both signal economic distress, their causes, effects, and policy responses differ dramatically-requiring tailored strategies to mitigate risks. Defining Stagflation and Recession Stagflation is the economic equivalent of a perfect storm: stagnant growth, soaring unemployment, and persistent inflation collide, creating a policy nightmare. The most infamous example...
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May 9, 2025
How to Talk to Your Aging Parents About Estate Planning (Without Starting a Family Feud)
Estate planning is a sensitive but essential conversation to have with aging parents. Without it, families risk confusion, costly legal battles, and fractured relationships.   However, it is one of those conversations we always think we have more time. An uncomfortable conversation, we kick down the road and think, we’ll do it tomorrow. Why You Should Start the Estate Planning...
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May 8, 2025
The 5 Biggest Estate Planning Mistakes to Avoid in Your 40s and 50s
Your 40s and 50s are pivotal decades for estate planning. While many financially savvy individuals recognize the importance of preparing for the future, costly mistakes still happen-mistakes that can derail inheritances, trigger unexpected taxes, or ignite family conflicts. Understanding and avoiding these common pitfalls can protect your legacy and provide peace of mind for you and your loved ones. Why...
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May 7, 2025
May 2025 Economic Forecast
The U.S. economy in 2025 faces a slowing growth environment shaped by persistent inflation, tariff pressures, and cautious Federal Reserve policy. Below is an overview of the current economic landscape, its implications for individuals and investors, and strategies to navigate these challenges as of early May 2025. May Key Economic Trends Slowing Growth:Real GDP growth is forecast to moderate to...
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May 6, 2025
Supreme Court ERISA Ruling: New Litigation Risks for CFOs, CEOs & HR Professionals
Supreme Court ERISA Ruling: A New Era for Retirement Plan Fiduciaries On April 17, 2025, the U.S. Supreme Court issued a landmark decision that will reshape how lawsuits involving group retirement plans are handled under ERISA-the Employee Retirement Income Security Act of 1974. For CFOs, CEOs, and HR leaders responsible for overseeing your company’s retirement plans, this ruling is a game changer. It lowers the bar for plaintiffs to bring prohibited transaction claims,...
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April 15, 2025
Test Your Financial Literacy Knowledge: Financial Planning 101 Quiz
Financial Literacy Quiz Question 1:Â What is the primary goal of financial planning? A. To maximize spending powerB. To create a roadmap for achieving financial goalsC. To avoid paying taxesD. To increase the number of bank accounts you own Question 2:Â What is the purpose of a Roth IRA in retirement planning? A. To provide tax deductions for contributionsB. To offer tax-free...
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April 15, 2025
Bull vs. Bear Markets: Lessons from U.S. Market History for Today’s Investor
Understanding bull and bear markets is essential for navigating the ever-changing financial landscape. These market cycles have shaped the investment strategies of generations, offering valuable lessons for today’s investors. In 2025, with markets experiencing heightened volatility and uncertainty, revisiting historical trends and strategies can help investors make informed decisions. Understanding Bull and Bear Markets: Key Lessons for Investors Bull and...
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April 15, 2025
April 2025 Economic Forecast: Navigating Turbulence Amid Policy Shifts
The global and U.S. economies are facing significant challenges in April 2025, driven by aggressive tariff policies, inflationary pressures, and labor market dynamics. While the labor market remains resilient, mounting uncertainties are reshaping economic growth trajectories and consumer behavior. Here’s an analysis of the current economic landscape, its causes, and implications for the months ahead. Economic Growth: Slowing Momentum Global...
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April 15, 2025
Navigating 2025’s Markets: Balancing Stocks and Bonds for Stability
As we move deeper into 2025, investors face a rapidly evolving financial landscape marked by volatility, inflation concerns, and shifting economic policies. Striking the right balance between stocks and bonds is more critical than ever for building a resilient portfolio. Stocks vs. Bonds in 2025: Which Is Right for Your Portfolio? The debate between stocks and bonds remains central to...
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April 15, 2025
Raising Financially Savvy Kids: Practical Lessons for Parents
Teaching children about money is one of the most impactful ways parents can prepare them for the future. In 2025, financial literacy is more critical than ever, as studies show alarming gaps in financial knowledge among both adults and youth. By instilling smart money habits early, parents can empower the next generation to make informed decisions and achieve financial independence....
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April 15, 2025
How to Stop Financially Supporting Your Adult Children (And Why It Matters)
In today’s challenging economic climate, many parents find themselves financially supporting their adult children. A recent study by Savings.com revealed that nearly half of parents provide monetary assistance to their grown kids, spending an average of $1,474 per month. While this support often stems from love and a desire to help, it can lead to long-term financial strain for parents...
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March 18, 2025
March 2025 Economic Forecast
The U.S. economy in 2025 faces a mix of challenges and opportunities, shaped by rising inflation, market volatility, tariff policies, and recession risks. Below is an overview of the current situation, its implications for individuals, and strategies to navigate these uncertainties as of the morning of March 12th, 2025. March Key Economic Trends Economic Impact for Individuals Strategies to Protect...
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March 18, 2025
Declutter Your Docs: A Step-by-Step Guide to Organizing Financial Paperwork
As the seasons change, it’s the perfect time to give your finances a thorough spring cleaning. Take a look at recommendations to help organize your assets and help reduce one of the biggest stresses for any individual or family. Assess Your Financial Landscape The first step in your financial spring cleaning is to get a clear picture of your current...
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March 18, 2025
From Tariffs to Profits: Mastering Investments in a Trade War Era
The current trade war has significantly reshaped the global economic landscape, with recent developments intensifying market volatility and investor uncertainty. As of March 12, 2025, the United States has implemented a 25% tariff on steel and aluminum imports from all countries, including Canada, without exceptions. This move has sparked retaliatory measures from major trading partners, escalating tensions and disrupting global trade...
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March 18, 2025
Age-Proof Your Wealth: Evolving Investment Strategies for Every Life Stage
Investing is not a one-size-fits-all endeavor. As you progress through different stages of life, your financial goals, risk tolerance, and investment strategies should evolve. Starting Young: Building a Foundation with Limited Resources When you’re just starting out, you may not have much to invest, but you have a powerful ally: time. Here’s how to make the most of it: Remember,...
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March 18, 2025
Beneficiary Basics: Why Updating Your Beneficiaries Matters
When it comes to financial planning, updating beneficiaries is a crucial step that’s often overlooked. This simple yet vital task can have far-reaching consequences for your loved ones and the legacy you leave behind. Why Keeping Beneficiaries Updated is Crucial Keeping your beneficiaries up-to-date ensures that your final wishes are honored. It helps avoid legal complications and potential family disputes...
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February 17, 2025
Tax Harvesting Explained: Help Optimize Your Portfolio for Lower Taxes
Tax harvesting is a strategic investment technique used to optimize tax efficiency in investment portfolios. There are two main types of tax harvesting: tax-loss harvesting and tax-gain harvesting. Both strategies aim to manage an investor’s tax liability, but they work in different ways and are applicable in different scenarios. What is Tax-Loss Harvesting? Tax-loss harvesting is an investment strategy that...
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February 17, 2025
Love, Trust, and Transparency: Money Communication for Couples
Money is often cited as one of the leading causes of stress in relationships. However, with open communication, mutual respect, and a shared vision, couples can transform financial discussions from a source of conflict into an opportunity for growth and connection. The Foundation: Love, Trust, and Transparency Before diving into specific strategies, it’s crucial to understand that healthy financial communication...
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February 17, 2025
2025 Contribution Limits for IRAs and Group Retirement Plans Update
The Internal Revenue Service (IRS) has announced several adjustments for the 2025 tax year, affecting Individual Retirement Accounts (IRAs) and various group retirement plans. Here’s a comprehensive overview of the key changes and limits for 2025. 2025 Individual Retirement Accounts (IRAs) Contribution Update For 2025, the IRA contribution limits remain unchanged from 2024: These limits apply to both traditional and...
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February 16, 2025
February 2025 Economic Update
Here’s a simple breakdown of the current economic conditions, including recent events like tariffs, stock market performance, and other key factors. February 2025 Economic Conditions to Consider Tariffs and Trade Stock Market Conditions U.S. Economic Growth Global Economic Trends How February’s Economic Conditions Can Impact You About the Financial Planning Author Alexander Langan, J.D, CFBS, serves as the Chief Investment...
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February 16, 2025
Monarch Money vs Rocket Money: A Comparison of Financial Management Tools
Financial management tools are increasing in popularity, however, it is always difficult to choose which tool to commit to. Monarch Money and Rocket Money are two different tools we’ve heard about that we wanted to compare as of early 2025. Monarch Money Financial Planning Tool Strengths Monarch Money Financial Planning Tool Weaknesses Rocket Money Financial Planning Tool Strengths Rocket Money...
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February 15, 2025
Preparing for Tax Season: Your April Tax Readiness Guide
As April approaches, it’s time to get organized for the upcoming tax season. Use this tax preparation checklist to help prepare for your taxes and potentially save money: Tax Document Checklist: Gather personal information: Collect income documents: Organize deduction records: Compile business records (if self-employed): Gather investment and retirement account information: Tax-Saving Strategies Maximize IRA Contributions Take advantage of IRA...
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February 14, 2025
Financial Planning for Couples: How to Merge and Manage Finances
Navigating finances as a couple can be both exciting and challenging. Whether you’re newly married, cohabitating, or in a long-term relationship, aligning your financial goals and habits is crucial for building a strong foundation. Here are seven tips to help merge your finances while avoiding common pitfalls. 1. Have the Money Conversation Open communication is the cornerstone of financial harmony....
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January 13, 2025
Philanthropic Giving: Smart Tax Strategies for Meaningful Impact
As we enter 2025, many individuals are looking to make a positive impact through charitable giving while also optimizing their tax strategies. By employing smart giving techniques, you can maximize both your philanthropic impact and tax benefits. Here are some key strategies to consider: Donate Appreciated Assets One of the most effective tax-smart giving strategies is donating appreciated non-cash assets,...
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January 12, 2025
New Year’s Financial Resolutions Check Up List
As we enter 2025, it’s time to take stock of your financial health and set yourself up for success in the coming year. Here’s a comprehensive check-up list to help you prepare financially for 2025: Create and Stick to a Budget Start by tracking your income and expenses for a month to identify areas where you can cut back. Create...
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January 11, 2025
Advanced Portfolio Stress Testing: What Is It & How to Implement It
Portfolio stress testing is a crucial risk management tool that helps investors and financial institutions assess how their investments might perform under various adverse scenarios. What is Advanced Portfolio Stress Testing? Advanced portfolio stress testing is a sophisticated simulation technique that evaluates how a portfolio of assets would react to extreme market conditions or economic events. It goes beyond basic...
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January 10, 2025
Comprehensive Estate Planning Document Checklist
Estate planning is a crucial process that serves two primary purposes: managing your assets during your lifetime and ensuring their proper distribution after your death. Working with an experienced attorney is essential to create an optimal plan that protects you and your heirs. Essential Estate Planning Documents Last Will and Testament Your Will is a fundamental document that serves as...
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January 9, 2025
Rebalance & Save: Tax-Efficient Strategies for Your 2025 Portfolio
As we enter 2025, many Americans are focusing on financial goals, with saving more money topping the list of New Year’s resolutions. An essential part of maintaining a healthy financial portfolio is rebalancing your investments. However, it’s crucial to do this in a tax-efficient manner to maximize your returns. Here are some key strategies to consider: Utilize Tax-Advantaged Accounts One...
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January 8, 2025
2025 Economic Forecast: What Do Economist Expect?Â
2025 Economic Outlook The American economy is entering 2025 with steady growth, characterized by a 2.4% GDP growth rate and strong consumer spending. The labor market remains robust, with expectations of adding 150,000 to 175,000 payroll jobs monthly and maintaining an unemployment rate close to 4%. Economic Pros to Consider Economic Risk and Detractors to Consider What Does The Economic Outlook Mean? Guidance Moving...
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December 24, 2024
Quiz: Understanding the Drawbacks of Retirement Savings VehiclesÂ
Retirement Savings Vehicle Question 1. What is one major drawback of a Traditional IRA? 2. Why might someone be ineligible to contribute to a Roth IRA? 3. What is a common limitation of both 401(k) and 403(b) plans? 4. Which retirement vehicle only allows employers to contribute, not employees? 5. For a SIMPLE IRA, what is one significant drawback compared...
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December 19, 2024
Red Flags in Your Investment Strategy and How to Avoid Them
Are you thinking about switching financial advisors or reevaluating your investment strategy? It’s a significant decision, and ensuring your financial future depends on recognizing potential pitfalls in your current plan. Spotting red flags early can help you make informed choices and stay on track toward achieving your financial goals. Here are some common warning signs to watch out for, along...
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December 17, 2024
What SECURE Act 2.0 Means for Your Retirement: Major Changes Explained
The Setting Every Community Up for Retirement Enhancement Act 2.0, or SECURE 2.0 became legislation on December 29th 2022 through the larger “Consolidated Appropriations Act of 2023“, the official name for the budget bill of 2023. This long overdue update to the retirement industry has implemented many (over ninety!) changes that will help every day Americans better prepare for retirement....
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December 10, 2024
Top 4 Retirement Savings Options Compared: Help Boost Your Financial Future
As individuals progress through their professional careers, various retirement savings vehicles are available, each offering distinct advantages and suitability depending on an individual’s financial goals, tax considerations, and preferences. There are numerous retirement savings vehicles, but this article will focus on the most commonly used options, including: Additionally, we will discuss how to determine the right retirement savings vehicle that...
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December 3, 2024
Mastering Your 401(k) Fiduciary Duties: A Guide for HR Leaders and Executives
What is a Group Retirement Plan Fiduciary?  A group retirement plan fiduciary is an individual or entity that has discretionary authority or control over a retirement plan or its assets.   Fiduciaries are legally responsible for acting in the best interest of plan participants and their beneficiaries. They can be personally liable for any breaches of their fiduciary duties.  Key Responsibilities...
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November 26, 2024
Complete Guide to Retirement Plans: Pros, Cons, and Best Choices for Small Business Owners
Small Business Guide to Retirement Plans Offering a retirement plan to employees used to be viewed as a great way to incentivize new talent and retain current employees, but this feature has now shifted to a fundamental requirement in order to remain competitive within their industry. This pivotal shift highlights the importance of a retirement plan in attracting, motivating, and...
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November 19, 2024
Solo 401(k) Explained: The Self Employed Retirement Plan for Solo Entreprenuers
What is a Solo 401(k)? Understanding This Self-Employed Retirement Plan A 401(k) Plan is a type of retirement savings plan where participants contribute money from their earned wages into a retirement investment account. In a traditional 401(k), the contribution is taken from the paycheck before taxes are taken out.  The account can be invested in the market and will grow...
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November 12, 2024
What is My Company Paying for Group Retirement Fees?Â
How Do I Find Out What My 401(k) Fees Are? When participating in a group retirement plan, there are two ways service providers can assess their fees: The first step in determining the fees is to determine who is paying them. Is the company paying the fees on behalf of the employees, or are the employees paying the fees? Â ...
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November 4, 2024
Navigating Market Volatility: How Businesses Can Support Employees in Group Retirement Plans
Market turbulence can significantly impact a company’s retirement plan, creating both hurdles and opportunities. To navigate these choppy waters effectively, it’s essential to maintain a long-term outlook and resist the urge to make impulsive decisions based on temporary market shifts. Many times emotional investing will trigger an individual investor to either try to time the market or focus on protecting...
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October 21, 2024
Boost Your Social Security: The Hidden Payback Option Explained
While retirement might seem like a distant horizon for many of us, understanding Social Security now can set us up for a more secure future.  One lesser-known aspect of Social Security is the “payback option” – a strategy that could potentially boost your benefits down the line. What is the Social Security Payback Option? The payback option, sometimes called the...
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October 14, 2024
Pennsylvania’s New Tax Break: Boosting Small Business Support for 529 College SavingsÂ
What is the New Pennsylvania Tax Break for Small Businesses? In July 2023, Pennsylvania introduced a new tax break as part of its state budget package, offering significant incentives for small businesses that contribute to their employees’ 529 college savings plans.  This initiative aims to encourage employers to offer their employees a valuable tax deduction to help them save for...
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October 7, 2024
10 Tips to Protect Your Retirement Savings from InflationÂ
Inflation is often called the “silent thief” of retirement savings. It can erode the purchasing power of your money over time, potentially derailing even the most carefully laid retirement plans. But do not worry – there are strategies you can employ to help safeguard your nest egg from the effects of inflation. How Does Inflation Impact My Retirement? Before diving...
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September 30, 2024
Fiduciary Financial Advisors: Help Secure Your Financial Future with Trustworthy ExpertiseÂ
When it comes to managing your finances and planning for the future, finding the right guidance is crucial.  You may have heard the term “fiduciary financial advisor” and wondered what it means, why it matters, and how to find a fiduciary financial advisor near you. Not all financial advisors are the same. Some provide higher levels of service, expertise, and...
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Disclosure: Check the background of your financial professional on FINRA's BrokerCheck. The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Cambridge and Langan Financial Group, LLC. are not affiliated. Cambridge Investment Research Advisors, Inc. a Registered Investment Advisor. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC, to residents of: AL, AZ, DE, FL, GA, IA, KY, MD, NJ, NM, NY, NC, OH, PA, RI, TX, VA Cambridge and Langan Financial Group does not offer legal advice. Estate planning services are in regards to your overall financial plan. Always be sure to speak to a legal professional in regards to specific legal matters. Fixed insurance services offered through Langan Financial Group.
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© Langan Financial Group
Harrisburg, PA Office
Address: 1863 Center St, Camp Hill, Pa 17011
Phone: 717-288-1880
York, PA Office
Address: 3405 Board Rd, Suite 200, York, Pa 17406
Phone: 717-773-4085
