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Turning Point Benefit Group, Inc - Frederick, MD

Blog

What’s on our mind? You can read about it in our blog. Whether it’s ideas from the industry or emerging trends, you can read about it here. And once in a while, we may throw in a movie review or some other surprise - like the happenings around the office. So keep checking in. We’re glad to have you reading along.

 

Tuesday, May 29, 2018

Beware of Lifestyle Creep Sometimes more money can mean more problems. “Lifestyle creep” is an unusual phrase describing an all-too-common problem: the more money people earn, the more money they tend to spend. Frequently,...

 

Friday, December 15, 2017

Here are some things you might want to do before saying goodbye to 2017. What has changed for you in 2017? Did you start a new job or leave a job behind? Did you retire? Did you start a family? If notable changes occurred in your...

 

Tuesday, November 14, 2017

BRENNAN GMEINER EARNS ACCREDITED INVESTMENT FIDUCIARY DESIGNATION FROM Fi360 Turning Point Advisor, Brennan Gmeiner, has been awarded the Accredited Investment Fiduciary® (AIF®) designation from the Center for Fiduciary...

 

Tuesday, October 10, 2017

As parents, we encourage our children to work so they can learn important values about work and independence. At what point, if at all, do children need to file an income tax return for the money they earn? The IRS does not exempt...

 

Wednesday, September 6, 2017

Wise money moves for parents under 40. As you start a family, you start to think about certain financial matters. Before you became a mom or dad, you may not have thought about them much, but so much changes when you have kids....

 

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Tuesday, August 22, 2017

How can you plan to protect yourself against this increasingly common crime? Debit card data theft has surged lately. According to FICO’s Card Alert Service, the number of businesses or ATM locations where debit cards were...

 

Monday, April 24, 2017

Breaking down the basics & what each part covers. Whether your 65th birthday is on the horizon or decades away, you should understand the parts of Medicare – what they cover, and where they come from. Parts A & B: Original...

 

Thursday, March 30, 2017

Key Estate Planning Mistakes to Avoid Too many people make these common errors. Many affluent professionals and business owners put estate planning on hold. Only the courts and lawyers stand to benefit from their procrastination. While...

 

Thursday, February 9, 2017

What are the keys in planning to grow wealthy together? When you marry or simply share a household with someone, your financial life changes – and your approach to managing your money may change as well. To succeed as a couple,...

 

Monday, May 23, 2016

Will Social Security run out of money in the 2030s? For years, Americans have been warned about that possibility. Those warnings, however, assume that no action will be taken to address Social Security’s financial challenges....

 

Sunday, May 1, 2016

Will your heirs receive a fair share of your wealth? Will your invested assets go where you want them to when you die? If you have a proper will or estate plan in place, you will likely answer “yes” to both of those...

 

Monday, September 14, 2015

These recent ups & downs are reminiscent of past Wall Street swings.Fall might be anything but calm on Wall Street. Volatility is back, in a big way: the CBOE VIX has risen more than 105% since the end of July. Additionally, 11 of the...

 

Monday, August 17, 2015

Is it time to review your policy?Life insurance is hard. It’s hard to know if you have the right kind. It’s hard to know if you have enough. And it’s hard to know if you need any at all.The insurance companies have made it even harder...

 

Wednesday, July 22, 2015

If you are between 40 & 60, beware of these financial blunders & assumptions.Between the ages of 40 and 60, many people increase their commitment to investing and retirement saving. At the same time, many fall prey to some common money...

 

Tuesday, July 7, 2015

What steps could you take to catch up?If life has not allowed you to build substantial retirement savings, what can you do to improve your retirement prospects? Here are some suggestions.Play catch-up. If at all possible, take...

 

Monday, June 22, 2015

The New Gradual RetirementWorking a little (or a lot) after 60 may become the norm.Do we really want to retire at 65? Not according to the latest annual retirement survey from the Transamerica Center for Retirement Studies which gauges...

 

Monday, June 8, 2015

Key lessons for retirement savers.You learn lessons as you invest in pursuit of long-run goals. Some of these lessons are conveyed and reinforced when you begin saving for retirement, and others you glean along the way.First & foremost...

 

Tuesday, May 26, 2015

These accounts make a good “first step” in retirement saving.Sooner or later, people decide to start saving and investing for retirement. When that starting point arrives, taking that “first step” can seem like a big deal. Opening an...

 

Monday, May 18, 2015

WILL YOU SPEND LESS IN RETIREMENT…OR MORE THAN YOU THINK?Does retirement mean reduced monthly expenses? For many households, the answer is “yes” – at least in the short term. The long term is another story.A Morningstar study of...

 

Monday, May 18, 2015

How vulnerable is your data?25% of Americans were cyberhacked between March 2014 and March 2015. The American Institute of CPAs announced that alarming discovery in April, publishing the results of a survey conducted by Harris Poll....

 

Monday, May 11, 2015

Many younger Americans lack life insurance. A 2014 report from insurance industry analyst LIMRA found that only a third of Gen Y Americans have any life insurance coverage. In the same survey of 6,000 respondents, six in 10 Gen X and...

 

Thursday, May 7, 2015

THE MONTH IN BRIEFStocks wavered in April, with the S&P 500 ultimately rising a decent 0.85%. Investors were cautious, readjusting their assumptions about the strength of the economy and the Federal Reserve’s timing for raising...

 

Monday, May 4, 2015

Suggestions to accelerate & maintain the pace of the effort.Numerous articles have mentioned the obstacles women can face as they save for retirement. Turning from the negative, here are some positive factors that may help women save...

 

Friday, May 1, 2015

Some debts are worth assuming, but others exert a drag on retirement saving.Who will retire with substantial debt? It seems many baby boomers will – too many. In a 2014 Employee Benefit Research Institute survey, 44% of boomers...

 

Thursday, April 23, 2015

THE MONTH IN BRIEFThe stock market was hardly placid in March – while some key economic indicators, earnings news and M&A action encouraged investors, dollar strength and depressed oil prices weighed on stocks and commodities again....

 

Thursday, April 23, 2015

BEWARE OF LETTING YOUR CHILDREN DELAY YOUR RETIREMENTFamilies that provide financial support to adult children tend to be families in which parents retire later. How much later? According to Hearts and Wallets (a market research firm...

 

Thursday, April 23, 2015

As you approach your “third act,” does it need to be adjusted?Provided by Turning Point Benefit GroupMotivational speaker Denis Waitley once remarked, “You must stick to your conviction, but be ready to abandon your assumptions.” That...

 

Monday, April 6, 2015

Are You Under-prepared for Retirement?A university study serves as a wake-up call.Financially speaking, how many Americans are truly on track to retire? A recently published white paper suggests that about half of us are approaching...

 

Monday, April 6, 2015

Weekly Economic UpdateApril 6, 2015EMPLOYERS ADD JUST 126,000 JOBS IN MARCHWhat led to this moderation in hiring, which snapped a yearlong streak of payrolls expanding by 200,000 or more per month? Are dollar strength and low oil...