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Financial Elements' Insights

Latest news, updates and helpful advice

Check here regularly for Brenda's thoughts and insights on a variety of topics related to personal finance and investments.
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Are you a Super Saver?

In 2018, the savings rate in the US was only about 7% of income and 40% of Americans would not be able to cover an unexpected $400 expense. However, there are some “super savers” that save at least 20% of their income. Research from TD Ameritrade and The Principal show that two of the key factors in managing to save at this level or more every year are your mortgage and car payments.

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Eight “Best/Worst” Wealth Strategies During the Coronavirus

For better or worse, many of us have had more time than usual to engage in new or different pursuits in 2020. Even if you’re as busy as ever, you may well be revisiting routines you have long taken for granted. Let’s cover eight of the most and least effective ways to spend your time shoring up your financial well-being in the time of the coronavirus.

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Lemonade from Lemons

Let's look at some ways you can take advantage of this unfortunate situation to make some beneficial financial moves.

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We Plan For This

The best plan for these events is to have a plan. If you don't have one or you are concerned, let's talk.

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You, Your Investments, and the Coronavirus

The term “novel coronavirus” is so new, some people have apparently wondered whether it is related to Corona beer. (It is not; it’s named after its crown-shaped particles.) And yet, how quickly it has grabbed global headlines. As the viral news has spread, so too has financial uncertainty. What’s going to happen next? Will it further infect our domestic or global economies? In case it does, should you try to shift your investments to remain one step ahead?

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You, Your Retirement, and the SECURE Act

You may have missed the news – buried in a much bigger spending bill, and passed in the thick of the holiday season. But after months of nearly bringing it to the finish line, it’s now official: On Friday, December 20, 2019, the Setting Every Community Up for Retirement Enhancement (SECURE) Act was signed into law. The SECURE Act provides a mixed bag of incentives and obligations for retirement savers and service providers alike. Its intent is to make it easier for families to save more for retirement. That said, “easier” doesn’t necessarily mean less complicated. To jump-start the conversation, here is an overview of the most significant changes we’ve got our eye on, as the SECURE Act starts rolling out in 2020.

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A Timely Reminder on the Perils of Market Timing

It’s certainly understandable if the economic uncertainty unfolding in the daily news has left you wondering – or worrying – about what’s coming next. No matter how you feel about the U.S. entering into a trade war with China, it’s hard to deny that the prospect is currently causing considerable market turmoil.

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