Alex Assaley, AIF®

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MONEY HACKS: What is Your Happy Place in Retirement About?

Earlier last week, CNBC published an article by financial planner, Ivory Johnson on the different ways you can be happy in retirement. This idea is something we talk about a lot when sitting down one-on-one with employees. We encourage individuals and couples to image their life in retirement while answering three questions: where are you, what are you doing, and who are you with? In this Money Hacks video, we go into not just saving for retirement, but how having a plan now can help you enjoy your retirement.

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MONEY HACKS: Where are you in your Financial Journey?

Each day, our team is meeting with individuals to help them make the best decisions for their financial lives. After more than 10,000 one-on-one coaching session, we know that each investor is unique; we all have different financial challenges, goals, and priorities.  So, we’ve created the “Financial Wellness Hierarchy.” It’s a road map that leads you, step-by-step, in making the best decisions for your financial life – beginning with key foundational pieces such as developing emergency savings. Check out this short Money Hacks video to find out more.

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MONEY HACKS: Will You be Surprised by Your Tax Refund?

With less than 60 days away from the tax filing deadline, there have been many individuals and families surprised by their tax refunds (or lack thereof!). Last year, the new Tax Cuts and Jobs Act went into effect. This sweeping law lowered tax brackets for most American workers, while also changing the way some filers can take itemized deductions. In this Money Hacks episode, Alex talks through the different changes you need to be aware of when filling your taxes and, most of all, preparing for 2019.

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MONEY HACKS: How are You Doing with Retirement Savings?

Alex Assaley, AIF®

Alex Assaley, AIF®

Blog Post

Special guest and newest member of our AFS 401(k) team, Allison Rosenberg joins me in this Money Hacks episode. She brings years of real-world financial coaching experience and is here to answer one important question — How can you measure if you are on track for your retirement?

With this simply idea, you don’t need a phone or calculator. All you need is to know how much you have in your retirement account and open ears. We’ll walk you through a simple calculation to determine if you have enough retirement savings. If you find yourself on good terms great but if not we’ll also give a few tips to help you catch up.

 

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MONEY HACKS: 'Fyre Fraud’ is Everyone’s Nightmare

Alex Assaley, AIF®

Alex Assaley, AIF®

Blog Post

The internet sensational and the epic fail that is the ‘Fyre Festival’ continues to be the hot topic around offices and coffee houses throughout America. The event promised “Instagram come to life” and yet it delivered zero entertainment for concert goers and less than mediocre cheese sandwiches. Moving past the festival itself in this Money Hacks video, I talk about the great lesson that can be taught from these documentaries about financial scams, schemes, and fraud. Thousands of people are scammed every year by companies and individuals alike. Be diligent, be thorough (when reviewing investments and financial opportunities) and avoid falling into a fraudulent situation, so you can enjoy your life.   

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MONEY HACKS: Are You Impacted by the Government Shutdown?

Alex Assaley, AIF®

Alex Assaley, AIF®

Blog Post

This government shutdown is now the longest in history and seems like a “never-ending government” closure impacting hundreds of thousands of federal employees across the country and the DMV area. This kind of event is a great opportunity to remind us of the importance of emergency savings and preparing for the unexpected. We have a lot of content on MoneyNav that can help you make any necessary changes in your overall money life. If you’re a government employee or know one, we discuss a few things that can help minimize and reduce expenses while going through this difficult period. Feel free to reach out to us if we can help provide guidance on your specific situation.

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MONEY HACKS: How to Make 2019 Your Best Year yet?

Alex Assaley, AIF®

Alex Assaley, AIF®

Blog Post

We’re officially into the last week of the year, and as many begin to make resolutions for a better future, we want to know how you will make 2019 your best year yet!  We know resolutions can sometimes come off as cheesy, but this idea of improving your life really is at the core of what we do at AFS. While you’re thinking about 2019, what are some things you can do to prepare your money for today, tomorrow, and your long-term future? This time of year is a great opportunity to look at your finances and identify any changes you want to make in your overall money life. We’ll keep rolling out these Money Hacks videos next year, so keep an eye out in 2019! 

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MONEY HACKS: Review your 401(k) / 403(b) Year-End Notices before 2019

Alex Assaley, AIF®

Alex Assaley, AIF®

Blog Post

As we quickly approach the holiday season, you have probably received a big envelope full of 401(k) notices (or some PDFs)! If your company has a January 1st “Plan Year”, then you were required to receive these notices by December 1.  They’re filled with important information about your organization’s retirement plan, but are usually written in “Legal-ese”. Still, take some time to read these notices to understand how your retirement plan works and if you have questions, you can reach out to our team or your HR department. 

Before moving into 2019, you should also take a few minutes and ensure your retirement plan is working for you. Are you saving the correct amount? Do you have the right investment mix for your time horizon and personal risk tolerance? Do you know if you are on track? 

Take some time to think about this stuff and make 2019 your best year yet – especially for your money!

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MONEY HACKS: Should You Worry When the Markets Decrease?

Alex Assaley, AIF®

Alex Assaley, AIF®

Blog Post

In 2018 the financial markets have become a roller coaster ride for many investors and it can be (unnecessarily) worrisome. So what do you do when the markets become “volatile”? Our answer is always to relax… then, review what you are invested in and if that’s the best mix for your time horizon and personal risk preference. As we move into 2019, take a few minutes and ensure your 401(k), 403(b), or other investment accounts are structured the right way. This time of year is a great opportunity to look at your finances and identify any changes you want to make in your overall investment portfolio.

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