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Estate Planning – A Primer on Moving Forward (3 minute read)by Matt Niedeberbaumer, Partner & Senior Wealth AdvisorOften, a client will begin with the common question, “Do I need a trust?” And, of course without knowing all the information, professionals (myself included) can’t simply determine the answer with a “yes” or “no”.In estate planning, as with all the other financial planning we do, many tools including trusts are selectively used to customize the work for each client. To that end, trusts, wills, family limited partnerships, an s-corporation, c-corporation, LLC, or LLP can be useful in the right situation.WHO, WHAT, WHEN:

Don't Just Focus on the Win by Ben Uphoff Vantage Partner & Wealth Advisor (1 minute read) Winning? Everyone wants to win, but the hard part is having the will to prepare to win…as Vince Lombardi once said. Whether your “win” a trophy at the end of a race, a promotion at work, or a portfolio that provides stability and security for you, it is important to focus on more than just getting the win. Sometimes, we become so focused on the result of reaching a goal that we forget why we wanted it or what got us there.

Thoughts on Time Management (1 min. read) By the end of March, a quarter of this “new year” will be behind us! Most of us had a goal of getting more done or doing a better job of managing time; it’s a big club. Here are a few tips for recapturing a wasted hour here and there and directing it to more productive use: • Daily planning. The saying goes, “plan your work and then work your plan.” At night, write down a plan to control the precious resource that is the next 24 hours. Arrange the daily plan

Planning Next Steps for SC Johnson Employees(3 minute read)What is currently happening?We understand this is an important time in your life. As a fiduciary financial advisor, we are ready to help you avoid costly mistakes and make a successful financial plan. When you are contemplating retirement, it is incredibly important to make the best decisions for your family. We’ve helped many SCJ employees transition into retirement or their next chapter in life, and we can successfully navigate this road with you as well.Here are ways we help SCJ employees:Should you take Lump sum pension or annuity option?• Start date? Do

“This Time, It’s Different.”  (< 1 minute read) Those are the four most dangerous words in investing, according to Sir John Templeton. He could have meant a few different things by that. Possibly, referring to the human tendency to think we won’t make the same mistake twice. Or thinking the stock market will behave differently than it has in similar conditions in the past. Or arguing that history will not repeat. A belief that current exceptional market conditions are justified by special circumstances (think tech stocks in the 1980s, or housing and subprime mortgages in the early 2000s) often

$1.9 Trillion in 19 sentences A quick reference for the American Rescue Plan (ARP): 1. ALL dependents are eligible for the $1,400 stimulus payments with phase out ranges capping out at $80,000 for individuals and $160,000. 2. Some individual will receive their stimulus payments by next week, but there are several factors that determine this, either way tax day is still April 15th this year. 3. The ARP allows the first $10,200 in unemployment benefits to be non-taxable for people who made less than $150,000 in 2020. 4. Unemployment benefits will be extended until Sept 6. with a supplemental

Planning Next Steps for P&G EmployeesWhat is currently happening?We understand this is an important time in your life. Working with a trusted financial planner helps you avoid costly mistakes and develop a successful financial plan. Whether you are thinking about retirement or are newly-eligible employee looking at all of the options P&G offers in its comprehensive benefit program, including short-term achievement (STAR) awards, the company’s retirement plan, stock purchase program, medical and life insurance, and other rewards and incentives, it is very important to make the best decisions for your family.We’ve helped many P&G employees as they transition into their

Everyone's a Genius by Andy Meyer Vantage Partner & Senior Wealth Advisor (6 minute read) “US Gov’t spending last 12 months: $8.1 Trillion. Yeah, like 40% of GDP. Actual fiscal deficit last 12 months: $4.6 Trillion. Yeah, like 20% of GDP. Another 10% coming soon through reconciliation, too. And infrastructure? Most important but always last. No end in sight.” – Jeffrey Gundlach For months I have been telling clients and posting on my social media quotes like the one above or like this one. “Once the US government finalizes and implements the next $1.9 trillion stimulus package, they will