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Welcome to JMB Financial Managers' blog! We provide customized financial planning solutions for commercial real estate brokers, independent contractors, sales representatives, and small business owners. 

 

Thursday, December 14, 2017

With Christmas approaching in just a matter of weeks, you might find yourself wondering what to get your loved ones this holiday season. Luckily, I’ve got a few ideas for you. As a financial planner, I’m a fan of the...

 

Wednesday, November 15, 2017

In a society that has grown to value experiences above all else, the last thing on a Millennial’s mind is saving for retirement. But it should be in the forefront. The younger you are when you begin contributing, the more you...

 

Monday, October 23, 2017

3 Insurance Gaps That Could Be Leaving You Vulnerable Although most individuals have insurance coverage of some kind many don’t realize they are leaving themselves vulnerable to catastrophe by not having the correct type of...

 

Tuesday, October 10, 2017

Many couples enter the retirement stage of life, and find, not surprisingly, that their aspirations for retirement differ; sometimes only slightly but other times colossally. Thus, it is important to discuss your expectations with each...

 

Thursday, September 21, 2017

Cybersecurity is always a hot topic, especially in the financial industry, but the recent Equifax data breach has brought it into the limelight once more. The recent breach of 143 million individual's sensitive information is just one...

 

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Monday, September 18, 2017

Most people, wealthy or not, make an effort to support a philanthropic cause, be it big or small. Whether that be through donations, volunteering time, or joining a charity’s board, it is important that the charities individuals...

 

Monday, September 4, 2017

Women make up over half of the recipients of Social Security benefits. Therefore, it is important that their retirement plan includes Social Security and ways to maximize those benefits.

 

Monday, August 28, 2017

There is no "magic wand" or one-size-fits-all plan to save for college. Some parents choose to start saving for college the day their children are born while other’s don’t start saving or have the luxury to do so until much...

 

Monday, August 21, 2017

If you’ve been watching the headlines you’re probably aware of the October 1st deadline to approve the federal budget for the upcoming fiscal year. As you probably would guess, little has been done so far in the approval...

 

Tuesday, August 15, 2017

When it comes to saving for retirement it is best to start sooner rather than later. Developing good savings habits early on will only benefit you in the long run. We’ve got some tips for you to develop better saving habits today...

 

Monday, July 31, 2017

When you think of retirement planning, your mind usually jumps to how much you will need during retirement years and how you will manage to reach those goals. What isn’t always in the forefront of the planning picture is the...

 

Monday, July 17, 2017

Although very late in the game, this is your last opportunity to seriously evaluate your retirement plan and see where you’re at and where you’re headed. In the past, your sixties were the time in which the reality of...

 

Monday, July 3, 2017

When you reach your 50’s, retirement is no longer so far off. It’s right around the corner and there’s no time to waste. Just as there are at every stage of life, your 50’s bring certain steps you should take in...

 

Monday, June 19, 2017

Avoid making these common mistakes when investing in a 401(k) for better results and a larger retirement savings. 

 

Monday, June 5, 2017

Comprehenisve financial planning is a highly personalized process that takes into considersation what matters most to you in life to assist you in reaching your goals. 

 

Monday, May 22, 2017

Is it more difficult for women to save for retirement? Here are some ideas to help women save for retirement.

 

Monday, May 8, 2017

Government attempts to pay of student loans are eating into the Social Security benefits individuals are receiving if they fail to pay off their student loans in time. 

 

Monday, April 24, 2017

Preparing for your parents' retirement is almost as important as preparing for your own. We have a few ways to help you get ready. 

 

Monday, April 10, 2017

Have you thought about Power of Attorney? Various situations arise in life when Power of Attorney is necessary, you should be prepared when it does. 

 

Monday, March 27, 2017

Did you know 80% of 40 year-olds are behind on their retiremetn savings? Good news is, it is never too late to save for retirement and your 40's are a great time to save.

 

Monday, March 13, 2017

During estate planning you should work to reduce and avoid probate. Probate is expensive and takes an extensive amount of time to completely. Reduce this burden from your heirs. 

 

Monday, March 6, 2017

With 60% of retirees providing regular financial support to at least one other person, it is important to include more than just yourself in your retirement plan.

 

Monday, February 27, 2017

The average student loan debt continues to grow each year, avoid borrowing a fortune for college with these ideas. 

 

Monday, February 20, 2017

Is a gradual transition from full-time work to retirement going to be the new normal? Surveys show it just might be with American retiring later than ever before. 

 

Monday, February 6, 2017

Retirement planning doesn't end with saving, it also requires creating a spending plan so you don't deplete your retirement fund.

 

Monday, January 23, 2017

When you retire you have to live on a fixed income, a way to utilize your income well is to create a retirement budget. 

 

Monday, January 16, 2017

A few quick tips for improving your personal finances including budgeting and avoiding debt.

 

Monday, January 9, 2017

Deciding when to take Social Security benefits may be the most important retirement decision you make. Holding off on filing for your benefits may be your best option. 

 

Monday, December 26, 2016

Don't outlive your retirement fund; setting up a pension-like income could help you create a retirement fund that could last you 35-40 years. 

 

Monday, December 19, 2016

With the year drawing to a close, it is important to run through a last minute check list of your finances and evaluate your options. 

 

Monday, December 12, 2016

With the Fed thinking of raising interest rates, it is important to understand the impact the Federal Reserve has on you and the economy as well as interest rates. 

 

Monday, December 5, 2016

The holidays bring on a spending frenzy that can quickly get out of hand. Here are some tips for controlling your holiday spending this season.

 

Monday, November 28, 2016

One of the greatest challenges presented in living such a long life is paying for it; will you outlive your retirement savings? Investing in equities migh help you avoid this growing concern. 

 

Monday, November 14, 2016

With unemployment at its lowest in almost eight years, competition for qualified candidates has increased dramatically. By being an employer that offers a retirement plan as part of your benefits package, you will be more attractive to pote

 

Tuesday, November 1, 2016

One of the most rewarding aspects of setting up a retirement plan for your small business is the tax benefits you can receive now while planning for the retirement years ahead of you. 

 

Monday, October 17, 2016

Starting a retirement plan for your small business can help you reach retirement goals quicker than a typical IRA. 

 

Monday, October 3, 2016

Here are 5 reasons your small business should have a retirement plan. As a small business owner learn why a retirement plan is beneficial to you and employees.

 

Monday, September 19, 2016

Retirement plans should include more than just daily living expenses and include other goals you hope to achieve. 

 

Tuesday, September 6, 2016

It is important to separate investment from your other sources of income when planning for retirement.

 

Monday, August 22, 2016

Our emotional state plays a large role in the investing decisions we make. 

 

Monday, August 8, 2016

Failing to understand risk capactiy is an asset allocation misstep that many retirees make during retirement planning. 

 

Friday, July 22, 2016

A very real factor to consider is that you could outlive your retirement savings if you’re too conservative while planning for retirement years.

 

Tuesday, July 12, 2016

When it comes to your retirement investing no other factor will have a greater impact upon your portfolio's success or failure than your asset allocation decisions.

 

Thursday, April 21, 2016

Are you aware of just how much you are going to spend in retirement? Most people aren’t. Traditionally, retirement planning rules suggest that you retire on 80% of the income you earned in your last year of work—the real questio

 

Tuesday, March 29, 2016

While your children have the ability to apply for scholarships, grants, federal work study, and student loans, there is financial aid for your own retirement.

 

Tuesday, March 8, 2016

It is hard to preserve retirement assets when you are giving chunks of it to creditors each month. When it comes to retirement, debt is one of the things that can hold you back the most – not only financially, but mentally as well.

 

Tuesday, February 9, 2016

The decision as to when to take social security retirement benefits is an important one. A wrong decision can cost a retiree literally thousands of dollars.

 

Monday, January 25, 2016

Depending on the needs of the individual, long-term care may include services such as nursing home care, assisted living, home health care, or adult day care.

 

Tuesday, December 15, 2015

In a recent survey of adult Americans, 72% said that health problems were their biggest retirement worry, and well, they should be. 

 

Monday, November 16, 2015

Traditionally, many Americans have viewed retirement as a time of leisure. Today, more and more people expect to work during their retirement years. 

 

Monday, October 26, 2015

Today society is beginning to recognize that the traditional view of retirement is no longer applicable.