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Managing retirement strategies and creating goals can help you stay focused and consistent in your financial efforts. It creates a sense of achievement while you make progress toward the pursuit of a fulfilling retirement and financial...

There are many factors to consider when creating a comprehensive estate plan. Forgetting or leaving out certain assets could potentially create time-consuming delays, financial complications, and family disputes. In some cases, dormant...

Creating a well-structured and comprehensive estate plan is critical to ensuring your assets are distributed according to your wishes and that as much of those hard-earned assets go to your intended beneficiaries, and not lost to the...

Financial wellness is a state of being when one is in control of their finances, can cover expenses, and save for future goals. Consider financial wellness as your relationship with money; it can be either healthy or unhealthy....

Do you want to get on top of your finances this year? Are you looking for ways to improve your fiscal health? Change may be difficult, especially when you try to change your financial habits. The process might be easier if you take an...

As the year draws to a close, it's an ideal time for business owners to evaluate their company’s financial health. Year-end planning is critical and can help establish a confident foundation for the future. However, for many business...

In times of economic uncertainty, it’s easy to let financial stress overshadow everything else. And sadly, the holiday season isn't exempt from this. But here’s a little insight you might overlook: Holiday cheer might be a rewarding...

As the year draws to a close, it's an ideal time for business owners to evaluate their company’s financial health. Year-end planning is critical and can help establish a confident foundation for the future. However, for many business...

As the year’s end approaches, High-Net-Worth Individuals (HNWIs) must prepare for one of the most critical monetary tasks: year-end tax planning. Due to the nature of their holdings and dynamic financial situation, HNWIs often grapple...

Recent changes in the Social Security Administration and modifications to recipients’ accounts and payment structures due to the Social Security Fairness Act, which repealed the Windfall Elimination Provision (WEP) and Government Pension...

Tariffs—taxes imposed on imported goods—have become an essential factor for investors to consider. They are typically used to protect domestic industries from foreign competition by increasing the costs of imported goods...

As the leaves begin to fall and the year winds down, autumn offers more than pumpkin spice and cozy sweaters. It’s also a good time to clean up your finances.

Even if you are already retired, it doesn't mean you should stop trying to grow your savings. While investing is one of the quickest ways to grow your savings, the process may look slightly different when...

In today's economic environment, where market volatility and inflation are often unpredictable and inevitable, investing can sometimes feel like a rollercoaster. However, investing during these periods doesn't have to be a heart-stopping...

As one embarks on their journey toward a high-net-worth status, it's crucial to understand that strategic planning and intelligent decision-making are essential for wealth generation and preservation.

Managing 401(k) investments is crucial to planning one's financial future. Two primary ways to manage investments are to do it yourself (DIY) or work with a financial professional.

Since it first became available in 2006, many employers have added the Roth 401(k) to their benefit packages as a retirement savings option.

Everyone wants a comfortable retirement, but the road you take there will depend on your specific situation. When you invest, you assume a certain level of risk (but like everyone you’re hoping that your holdings will increase in value).

Addressing wealth management comprehensively in today's market environment is essential for individuals and business entities.

Understanding the anticipated changes in tax laws and regulations in 2025 will become increasingly crucial. One area that requires attention is the estate tax sunset at the end of 2025.

In a welcome development for millions of Americans relying on Social Security, the Social Security Administration has recently announced a substantial increase in retirement and disability benefits.

Social Security, established in 1935, provides financial benefits to the elderly, disabled, and disadvantaged groups. However, there are concerns regarding its sustainability.

As high-net-worth (HNW) individuals approach their golden years, retirement planning often becomes a focal point of their financial strategies.

Most American workers who earn wage income and pay Social Security taxes via withholding receive Social Security benefits at some point in retirement.

In today’s fast-paced environment, careful financial planning is crucial when it comes to growing and preserving your wealth. The decisions you make today could have a lasting impact on your finances.

Managing retirement strategies and creating goals can help you stay focused and consistent in your financial efforts.

Understanding the guidelines surrounding Required Minimum Distributions (RMDs) becomes crucial as we navigate the complexities of personal finance and retirement planning.

Retirement planning is not just about saving money — it’s about surviving on the money you saved and may receive in retirement, such as Social Security benefits.

Periodically, companies will report massive data breaches, some impacting billions of records that contain personal information such as names, addresses, and Social Security numbers.

Paying for college may feel overwhelming, but staying organized makes a helpful difference. With tuition payments, financial aid deadlines, and other costs throughout the year, having an organized calendar helps keep everything on track.

Download our checklist of items needed for tax filing preparations today!

A critical aspect of retirement planning is understanding the rules and requirements surrounding Required Minimum Distributions (RMDs) from retirement savings accounts.

Many are interested in the impact of future tax legislation on Trusts. As we look ahead to 2025, it is crucial to understand how the evolving tax landscape may impact the administration, structuring, and distribution of Trusts.

The end of the year is not just a season for celebration and reflection but also a perfect time to ensure that our finances are in order.

As the holiday season approaches, the air buzzes with excitement, but it also rings alarm bells for cybercriminals aiming to exploit the festive fervor.

There are only two things in life you can count on happening at some point--death and taxes. In death, these two circumstances can come together at the same time.

In 2017, the passing of the Tax Cuts and Jobs Act (TCJA) offered many different taxpayers a variety of benefits including changing deductions, depreciation, expensing, tax credits, and other tax-related items.

Year-end charitable giving is often associated with the spirit of doing good during the holiday season. It gives the donor a feeling of satisfaction and, in some cases, a substantial tax write-off.

On Giving Tuesday1—the day after Cyber Monday—millions of people across the world focus their attention on giving back.

Through their philanthropic activities, high-net-worth (HNW) individuals play a significant role in our continuously evolving global society.

For high-net-worth (HNW) and ultra-high-net-worth (UHNW) individuals, their wealth comes with the ability to create significant change.

As a military family, you face challenges and opportunities in managing your finances. Planning for your financial future is important, regardless of where you are in your journey.

Your credit and Social Security number are two of the most important pieces of personal information that you have when it comes to safeguarding your finances and even your identity.

There are often red flags you may notice that indicate your parents have reached a point where they need help with their finances. At first, your parents might be resistant to this, believing they can still manage their financial lives.

Americans are very generous. According to Fidelity, Americans give over $400 billion to charities each year, most of which come from individual donors.

Periodically, companies will report massive data breaches, some impacting billions of records that contain personal information such as names, addresses, and Social Security numbers.

The more assets you have at stake, the bigger the target on your back for cybercrime. This means that managing your financial wealth needs to go beyond traditional security measures.

Most people looking forward to retirement anticipate years of relaxation and fulfillment after decades of hard work. But the reality of retirement is often far different.

Fall is a magical time of the year throughout much of the country. This season of cider sweaters is also a great time to sit down and give your finances a comprehensive review.

Small businesses are typically seen as important to the economy. Not only did they lead the charge through the financial crisis by creating jobs and products, but they are also often small enough to innovate at a grassroots level...

A 529 is a tax-advantaged savings plan that gives you incentives to save money to pay for college or other higher education expenses. Here are some points to keep in mind when navigating your 529 plan.

While it may be challenging to classify yourself off the top of your head, knowing what type of investor you are might help you avoid making knee-jerk decisions that could cost you money.

Investing your money is a great way to prepare for retirement and help your financial goals. While investing is vital for smart saving, not all investments are on the up and up.

Over the next few decades, one of the most significant wealth transfers in history is that baby boomers will pass down an estimated $30 trillion in assets to their heirs.

Money management and investment strategy are critical areas that deserve undivided attention, particularly for HENRYs - High Earners Not Rich Yet. We outline 8 vital tips for HENRYs on money management and investing in a volatile market.

Growth investing and value investing are similar yet different financial concepts that motivate investors depending on several factors. These motivations vary from person-to-person. Everybody is different, investing is a personal journey.

Books, as important as they are, are not a substitute for regular consultations with your financial professional, but rather a means of expanding your knowledge base and encouraging specific actions. From books, you learn tips and tricks...

The stock market is like a roller coaster that goes unpredictably up and down. It can be fun and exciting one minute and terrifying the next. When people think of the stock market, they think of wealth accumulation.

For HENRYs — High Earners [who are] Not Rich Yet — this high salary often comes at the expense of hefty student loans or other types of debt. Tackling this debt now can allow you to put your salary to its highest and best use.

The "Sandwich Generation" is composed of adults who are ‘sandwiched’ between competing financial responsibilities.

Many parents may find it uncomfortable, or even believe it is unnecessary, to inform their children about personal finance matters. Yet, communicating openly with your family members can help to reassure them about your financial and hea...

It’s National Financial Freedom Day! Here’s a few tips on how to shape up your fiscal fitness this summer.

Protecting your finances is always important. But as you approach retirement, with less time to bounce back from any missteps, it becomes even more critical to avoid fraud, identity theft, and other threats.

There are several ways high-net-worth individuals can benefit from life insurance. It is a vehicle that could provide loved ones with an income stream, it can be used as an investment strategy, it may help to lower your estate tax...

Since you never know when a disaster may strike causing severe damage and disruption to your business operations, it is important to expect the unexpected and manage your risks accordingly.

A solid financial plan for small businesses is vital, and part of that financial plan should be insurance. Insurance is essential to preserve small businesses, cover their assets, and safeguard their employees. Here are some types of ins...

Even if you are already retired, it doesn't mean you should stop trying to grow your savings. Below are some investment options you might want to consider to make sure your income keeps on growing during retirement.

To maintain good physical health, most people must exercise regularly, eat a balanced diet, and keep stress to a minimum. Achieving financial wellness is no different.

Some high earners have conquered the rat race but they also generally enjoy being in the workforce. But they also may find it increasingly difficult to stay motivated and challenged...

Having a small business or side hustle can be a great way to increase your income. Even though the old saying goes, "It takes money to make money," what if you just don't have the extra cash on hand to put things in motion?

Regardless of the business's size, small business owners have 401(k) retirement savings plan options that may be suitable for their situation. Business owners must plan for retirement by utilizing retirement savings vehicles that may pro...

The journey to prosperity involves more than just a high income. It requires strategic planning, wise investment decisions, and a keen understanding of your financial landscape. On Financial Professional Day, explore how working with a...

Tax filing can be stressful because of its complexities and the financial responsibility of owing taxes without having an emergency fund, or money put aside for this occasion. We wanted to share eight tips that may help you mitigate some...

Your quarterly statements from LPL Financial provide a clear, comprehensive view of your investments and account activity. Here's a helpful guide to decipher all the info.

April is National Financial Literacy Month – an entire month dedicated to underscoring the importance of learning, establishing and maintaining healthy financial habits. But ask yourself this: what have you learned about anything financ...

April Fool's Day is celebrated around the world, with people playing practical jokes on each other in a lighthearted and playful way. However, there are times when jokes and hoaxes can have real-world consequences, particularly in the world

Spring is traditionally the time to clean the garage and to get the yard in shape. It’s also a great time to clean up your investment portfolio. Going into the final days of tax season, this is a perfect opportunity to get rid of clutter...

Spring can be a fantastic time to refresh your retirement plan and savings habits. With 2023 bringing increased limits for 401(k)s, individual retirement accounts (IRAs), Health Savings Accounts (HSAs), and other tax-advantaged accounts...

It's not easy to keep up with complex tax laws that always seem to be changing, much less figure out how they might affect you personally. Even so, it's important to consider the potential impact of taxes when making many types of financ...

Families with childcare expenses know how difficult it can be in a world of increased inflation, rising cost of living, and minimal wage increases. To help families cope with child and dependent care costs, a new bill, known as...

Todd Slingerland was recently quoted in financial articles for major news outlets:   https://www.msn...

There are companies that will promise to find abandoned funds for you. Please note that each state has an abandoned property, known as escheatment, department. Look for it on your state government website. It may be part of...

Looking ahead: After a summer of fun, September is a time to get back to school, back to business. It's also an important time to review your finances: September is Life Insurance Awareness Month. Mark your calendar and...

LPL's Research Department has published its Midyear Outlook. Click here, or visit the LPL tab under "Research" for more information: MIDYEAR OUTLOOK

Have You Heard of Voice Cloning? If someone calls you and says, "Can you hear me?" - do not answer "yes".  The recording of your voice can be used to open credit cards, loans, and other obligations using your data and the...

EDUCATE YOURSELF AGAINST COMMON FRAUD ATTEMPTS: Periodically, we post educational information about common fraud attempts/scams. *Please be mindful of any "pop ups" on your computer claiming to be Microsoft, Apple, McAfee or...

WealthOne (f/k/a Capital Financial Planning) celebrated our 20th anniversary on 5/5/23.  With extreme gratitude to our clients, advisors, and associates, we are honored to celebrate the 20th anniversary of our firm on May 5,...

Have you ever heard of check washing? Check washing is an identity theft scam whereby a fraudster will use chemicals to remove the payee name and amount on a check they have stolen and replace the information in order to cash the check...

A case of local fraud: Local to the Capital District, a fraudster was targeting elderly persons stating he was from city code enforcement and that there would be significant fines if the homeowner did not immediately pay thousands of...

Dear Clients: Protecting your personal identification and financial information is important toward the prevention of theft and scams. Periodically, we put information on common scams on the News section of our website, www...

We are thrilled to share the news that Adam Neary, Principal of WealthOne has been named National Man of the Year by the Leukemia and Lymphoma Society on July 12, 2022, for being the top fundraiser, raising $1,095,692 during this...

Periodically, we like to provide some education regarding fraud trends.  It is important to protect your personal data such as account numbers, social security numbers, drivers license number, credit card numbers, etc. It is...

We are pleased to announce that Adam Neary was named the Leukemia and Lymphoma Society 2022 Man of the Year for the Upstate NY/VT territory for leading a team of volunteers to fundraise toward research and a cure for blood cancers....

We proudly rebranded our firm with a new name: WealthOne. Bringing you fresh perspectives while maintaining our proud client service traditions, we are pleased to offer a wide range of wealth management services. You will soon see a...

Dear Clients: This is a very important reminder about protecting your personal data: Protect your user id and passwords at all times and do not share them with others. Financial institutions do not need to access your computer....