Heidi Clute

Financial planning tips for your 50s

Here they come: the golden years. This decade could be the most critical when it comes to retirement planning. You have a career, a good income, and a plan in place for sending your children to college. However, chances are there are still things you need to do to strengthen your finances in order to retire. Read More

You did WHAT!? Common Financial Pitfalls

Avoid common financial pitfalls for a more secure future. In life and matters of the wallet, rest assured that we all make mistakes. Mistakes are a critical part of our education process – but when it comes to your finances, some lessons and consequences can be quite lasting. In an effort to help you learn from others, and potentially save a great deal of... Read More

The Power of a Plan

Women, Money & Life’s Transitions When it comes to finances, that old cliché holds true: “hope for the best, but plan for the worst.” This is especially true for women. Why? On average, over the course of our lifetimes, women: Read More

Collaborative Divorce

A different approach to a difficult transition. It may seem a bit ironic to use the words “collaborate” and “divorce” together, but it is an alternative approach to dissolving a marriage that’s worth a close look if you are facing this major life transition. Read More

2012 Year-End Financial Tips

'Tis the Season! Just when it seems things can’t get any busier – December arrives. This month is typically loaded with family obligations, year-end business deadlines, and increased spending. This potent mix can wreak havoc on your budget and ultimately your ability to meet your own financial goals. To sleep a little easier this month and next, it may help... Read More

Fiscal Cliff? It's Possible to Scale it and Climb Higher.

There's been talk about the possibility of the U.S. economy "going off a cliff" at the end of this calendar year. What is this "cliff" pundits are referring to? It's actually a possible culmination of a number of government tax and benefits changes scheduled to impact our economy simultaneously. Specifically, the Bush tax cuts and payroll tax cuts are due... Read More

Long-Term Care Insurance

Does Long-Term Care Insurance break or protect the nest egg? It may seem a bit unusual to be examining insurance with a financial advisor, but looking at long term care insurance is a critical step in the retirement plan process. It is much easier discussing the risks potential health problems can pose to your retirement plan now, while you’re healthy,... Read More

Women & Money

Learning to meet fiscal responsibility head on. It's hard to accumulate wealth when you shy away from the responsibility of making fiscal decisions or if the idea of money scares you. Unfortunately, this emotional attitude toward money stops many women in their financial tracks and keeps them from reaching their long-term goals. Read More

Concentrated Stock Positions

What to do with too many eggs in one basket. What is a concentrated stock position? It is defined as holding one particular stock that comprises 30% or more of your overall investments or portfolio. You may wonder why this is an issue, particularly if you are saving for retirement or the long term. Read More