May 22, 2025
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 Earning too much to contribute directly to a Roth IRA doesn’t close the door on Roth benefits. In 2026, Roth conversions remain available regardless of income. The appeal: tax-free qualified withdrawals, no required minimum distributions during the original owner’s lifetime, and potential estate planning advantages. However, conversions can trigger income taxes, and inherited...
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May 12, 2025
Why Pre-Tax Contributions Outmaneuver Roth in Peak Earning Years
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 $24,500 to a pre-tax 401(k) in 2026, you could save about $8,575 in federal income taxes at a 35% marginal rate. This immediate tax relief isn’t just about saving money today-it’s about having more capital...
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May 11, 2025
1031 Exchanges: The Ultimate Guide to Tax-Deferred Real Estate Swaps
The 1031 Exchange Explained Tax information reviewed as of September 2026. Named after Section 1031 of the Internal Revenue Code, a 1031 exchange allows an investor to exchange qualifying real property for other qualifying real property and defer recognizing some or all of the resulting gain. A 1031 exchange generally applies only to real property held for investment or productive...
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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
This article was originally published on May 10, 2025, and reflects economic conditions at that time. Figures and outlooks may have changed. 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...
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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 Conversation...
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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
This article was originally published on May 7, 2025, and reflects economic conditions and forecasts at that time. It is not a current economic outlook. Forecasts are not guarantees, and results may differ. 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...
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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: 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: What is the purpose of a Roth IRA in retirement planning? A. To provide tax deductions for contributionsB. To...
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April 15, 2025
Bull vs. Bear Markets: Lessons from U.S. Market History for Today’s Investor
This article was originally published on April 15, 2025, and reflects market conditions at that time. It is not a current market outlook. Past performance does not guarantee future results. 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...
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April 15, 2025
April 2025 Economic Forecast: Navigating Turbulence Amid Policy Shifts
This article was originally published on April 15, 2025, and reflects economic conditions and forecasts at that time. It is not a current economic outlook. Forecasts are not guarantees, and results may differ. 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...
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April 15, 2025
Navigating 2025’s Markets: Balancing Stocks and Bonds for Stability
This article was originally published on April 15, 2025, and reflects market conditions at that time. It is not a current market outlook. Past performance does not guarantee future results. 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...
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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. Financial literacy is critical, as studies show 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. Why Teaching Kids About Money Matters...
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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 2025 AARP survey of parents age 45 and older found that 75% provide financial support to at least one adult child, contributing about $7,000 a year on average. While this support often stems from love and a desire to help, it can lead to long-term...
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March 18, 2025
March 2025 Economic Forecast
This article was originally published on March 18, 2025, and reflects economic conditions and forecasts at that time. It is not a current economic outlook. Forecasts are not guarantees, and results may differ. 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...
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March 18, 2025
From Tariffs to Profits: Mastering Investments in a Trade War Era
This article was originally published on March 18, 2025, and reflects trade policy and market conditions at that time. Tariff policies have changed since then. It is not a current market outlook. 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...
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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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Camp Hill, PA Financial Planning Office
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Harrisburg, PA Financial Planners
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Langan Financial Group, LLC ("Langan Financial Group" or "LFG") is an SEC registered investment adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. LFG may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements.
You can review our registration and disciplinary history on the SEC's Investment Adviser Public Disclosure (IAPD) website and, for brokerage registrations, on FINRA's BrokerCheck. This website is for general information only. It is not legal, accounting, or tax advice. Please talk with your own legal or tax professional about your situation. Important information about our firm is on our Disclosures page.
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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
