Blog Topics

Buying or Selling Your Home

By Shea Newton | July 12, 2021

With interest rates so low, many people are taking advantage of this time and buying new homes so that they can lock in a low mortgage rate for 30 years. The advantage to locking in a low interest rate when purchasing (or refinancing) is that the principal and interest is fixed. You may have seen […]


By Shea Newton | July 5, 2021

Interest rates are low and house prices are soaring—so, should you refinance? What Factors Should You Consider? There are many factors involved in the refinancing decision—your current interest rate and term, where you are in the lifecycle of your loan, what loan you want to apply for, the cost to refinance, your breakeven for recouping […]

Biden’s Tax Plan

By Shea Newton | June 28, 2021

Following are some highlights from Biden’s Tax Plan. Some have been enacted with proposals for extension and others are still proposals. Child Tax Credit Enacted for 2021 (starts phasing out for single tax filers at $75K and married filing joint at $150K) $3600 for children under 6 $3000 for children ages 6-17 (previously children aged […]

Long Term Care Insurance

By Shea Newton | June 14, 2021

Long Term Care Insurance provides a benefit for your long-term care as you age. Long term care is the care you need when you cannot perform your activities of daily living (ADL’s). There are six ADLs associated with long term care. They are bathing, dressing, eating, transferring, toileting and continence. Usually, your long-term care insurance kicks in after you cannot perform two ADL’s or memory care issues.

Disability Insurance

By Shea Newton | June 7, 2021

Do you need disability insurance? Would you want to protect your largest asset? If so, then I would say yes, you need disability insurance. Your largest asset during your working years is your ability to make money. According to the Council for Disability Awareness, more than one in four of today’s 20-year old’s will be out of work for at least a year due to a disability before they reach full retirement age. That is an alarming statistic.

Life Insurance

By Shea Newton | June 1, 2021

Why do you need Life Insurance? Not everyone does need life insurance. You need to think about your current situation. For example, if you own a home with your spouse and you pass away tomorrow, would you want to make sure your spouse has enough money to not worry about the mortgage payment? What if you have kids—would you want to make sure there are some assets available for childcare while your spouse works in addition to having funds for the mortgage payment?

Emergency Fund – How Much?

By Shea Newton | April 21, 2021

Your Emergency Fund is your savings account that has no risk to principal—so it’s in cash. The purpose of your Emergency Fund is just as it sounds-for emergencies! Emergencies can be losing a job, unexpected home repair, illness, major car repair or your pet needs surgery—really anything that is completely unexpected.

529 Plan For College Savings

By Shea Newton | April 14, 2021

If you have kids and saving for their college is on your mind, I am sure you have heard of a 529 College Savings Plan. A 529 plan (named from the Internal Revenue Code Section 529) can be a great tool to help you save for those college years. Do you know there are 2 types of 529 plans? The 2 different types are a Pre-paid plan and a Savings Plan.

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