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We do more than encourage you to change your approach to personal finances, we help you take next steps. Browse the library for resources including videos, downloads, and more to help you reach your goals.
A credit freeze is a freezing of your credit report at your request so no one can access your credit report, even if they have your Social Security. Access to your credit report is controlled by a PIN or password you establish.
What estate planning means to you specifically depends on who you are. Your age, health, wealth, lifestyle, life stage, goals, and many other factors determine your particular estate planning needs.
We live in an age of medical miracles. People live longer than ever before, and life expectancies are increasing at a steady rate. This means that many of us will be fortunate enough to still have our parents with us as we ourselves reach retirement age.
Today, most states require car owners to purchase auto insurance coverage. Whether you already have auto insurance or are considering buying some, you may be wondering how much is enough and which types of coverage you need. Here are a few tips to get you started.
Section 529 plans are popular college savings vehicles. Due to the demand for them, nearly every state now operates at least one type of 529 plan (either a prepaid tuition plan or a college savings plan), and an increasing number are offering both. To choose the type of 529 plan that's right for you, it's important to understand how prepaid tuition plans and college savings plans work and the differences between them.
When you contribute to a 529 plan, you'll not only help your child, grandchild, or other loved one pay for college, but you'll also remove money from your taxable estate. This will help you minimize your tax liability and preserve more of your estate for your loved ones after you die. So, if you're thinking about contributing money to a 529 plan, it pays to understand the gift and estate tax rules.
As a business owner, you're going to have to decide when will be the right time to step out of the family business and how you'll do it. There are many estate planning tools you can use to transfer your business. Selecting the right one will depend on whether you plan to retire from the business or keep it until you die.
Selecting beneficiaries for retirement benefits is different from choosing beneficiaries for other assets such as life insurance. With retirement benefits, you need to know the impact of income tax and estate tax laws in order to select the right beneficiaries.
Credit reports have become increasingly important in our lives. Lenders, employers, landlords, and insurance companies use them to make business decisions that directly affect you and your goals. It is vital, therefore, that the information on your credit report be accurate and secured against fraud. The federal Fair Credit Reporting Act (FCRA) exists to ensure that the financial data contained in your credit report is not only correct, but private.
Sadly, some dishonest people have focused their attention on senior citizens. Taking advantage of fear, hope, and trust, these scammers defraud thousands of older Americans each year out of much needed cash. If you receive a call, letter, or a personal visit from anyone claiming the following, chances are you’ve been contacted by a rip-off artist.
Planning a funeral is not what most people would envision as a fun way to spend an afternoon, especially if it’s your own. However, it is a task that should not be neglected. A funeral can cost as much as a new car, and without proper planning, loved ones can be stuck with bills they cannot afford to pay.
At times, it can feel as if the odds of being financially stable are stacked against you. Between bills, college loans, rising home costs, and a challenging job market keeping your head above water can be overwhelming.
When it comes to saving for retirement, maybe you've done everything right. You started early, maxed out your 401(k) plan, invested in a diversified portfolio and avoided costly mistakes, such as cashing out your retirement plan. Fantastic. But now comes the hard part: making sure you don't outlive your money.
Financial advisers will tell you that the most telling -- and risky -- years of your retirement are the five before you leave the 9-to-5 world, and the five after you have forsaken a steady paycheck and learn to live on Social Security, perhaps a pension, and a lifetime of wealth accumulation through a retirement plan.
Uncle Sam wants your money. He has bills to pay, just like you. And he's been waiting patiently for decades for you to hand over his share of your tax-deferred retirement dollars.
Medicare is a federal program that provides health insurance to retired individuals, regardless of their medical condition, and certain younger people with disabilities or end-stage renal disease. Here are some basic facts about Medicare that you should know.
Cybercrime is a growing and serious threat, making it essential that fraud prevention is part of our daily activities. Put these safeguards in place as soon as possible—if you haven’t already.
Life insurance is an agreement between you (the policyowner) and an insurer. Under the terms of a life insurancepolicy, the insurer promises to pay a certain sum to aperson you choose (your beneficiary) upon your death, inexchange for your premium payments. Proper lifeinsurance coverage should provide you with peace ofmind, since you know that those you care about will befinancially protected after you die.
What's in a number? When you invest everything you earn into everything you own, there's a piece of you in every number and every digit. Now you can see everything you own all in one place in a a private and secure location.
Your personal financial website provides you with one location to organize your financial life. When you enter your personal information online, you want to know it is safe and secure.
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