June 9, 2025
Most people can tell you their salary, their mortgage balance, and how much they have in their 401(k). But ask them how much money they need to retire comfortably, and you’ll often get a blank stare or a vague answer about “a million dollars.” Without knowing your financial finish line, you’re essentially running a race without knowing where the finish...
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June 9, 2025
Is Your Financial Team Talking to Each Other? The Hidden Cost of Siloed Professional Advice
You’ve worked hard to build a strong financial foundation. You have a trusted CPA who handles your taxes, a capable attorney who drafted your estate plan, an insurance agent who reviews your coverage annually, and a financial advisor managing your investments. On paper, you have all the professional expertise you need for comprehensive financial planning. But here’s the problem: if...
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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 financial planning and investment strategies....
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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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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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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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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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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 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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September 17, 2024
401(k) to IRA Rollover Guide: Maximize Your Retirement Savings
401K Rollover to IRA Rules There are two types of rollovers: direct rollovers and indirect rollovers. In a direct rollover, the funds from your 401(k) are transmitted directly to the new retirement plan. There are no withdrawal fees or distributions to the participant, making this the most hands-off rollover method. An indirect rollover is where the funds from your 401(k)...
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September 10, 2024
401(k) Rollover Guide: Best Options for Your Old Retirement
What Are My 401(K) Rollover Options? When an employee leaves their job, they have to decide what to do with their old 401(k) retirement account. There are five common options you can consider that include: When Would I Want to Leave My Old 401(k) with My Former Employer? Leaving your old 401(K) account with your former employer is the easiest...
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August 20, 2024
What Happens to a 401(K) When You Quit?
When an employee separates service from an employer with a 401(k), they must determine what to do with the retirement account. With the stress of change, sometimes determining what to do with your group retirement plan falls to the wayside. Adding on top having to figure out the options, it can be easier to try and ignore your account, than...
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May 7, 2024
How Much Money Do I Need to Retire?Â
Understanding how much money you need to retire is one of the biggest questions we get from our clients, and it is one question we find they do not think about soon enough, or often enough. It is a question that lacks a one-size-fits-all answer, as the ideal retirement savings can vary greatly depending on individual circumstances, lifestyle choices, and...
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April 26, 2024
Is $1 Million Enough to Retire?
TLDR Planning for retirement is a significant financial milestone for many individuals. Among the many questions that arise during this planning phase, perhaps one of the most common is, “How far can $1 million take me in retirement?” While $1 million might sound like a substantial sum, its purchasing power in retirement can vary widely depending on factors such as:...
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January 29, 2024
Maximize Your Savings: Understanding 2024’s New Higher IRA and 401(k) Contribution Limits
This article covers the 2024 contribution limits. For the current limits, see our 2026 Retirement Plan Contribution Limits guide. TLDR; In the ever-evolving financial landscape of retirement savings and tax provisions, 2024 brings promising news for individuals planning for their future. The annual adjustments due to the cost of living have ushered in increased contribution limits for IRAs and 401(k)...
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April 2, 2021
What is the Difference between Traditional and Roth Tax Deferring Accounts?
Retirement vehicles come primarily in two forms Traditional and Roth. These are most commonly found in IRAs (Individual Retirement Accounts) or 401(K)s. They are both tax-advantaged vehicles designed for long-term savings and investments, to help people plan for their long-term goals, such as retirement. Each type of account has its own advantages and disadvantages. The right account for you will...
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Financial Advisor Locations:
Camp Hill, PA Financial Planning Office
York, Pa Financial Planning Office
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.
© 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
