Broker Check


Thursday, November 8, 2018

Changing jobs is an important decision -- one that many of us are making more often. Once you've decided to switch jobs, your next move is to determine what to do with the money in your former employer's retirement plan. Four Common...


Thursday, November 1, 2018

'Tis the season … to be concerned about heating bills. Conserving fuel not only helps the environment, but also can potentially save you money. Here are some handy tips to help you do just that. Did you know that you could save...


Thursday, October 25, 2018

As the earliest baby boomers begin to enter retirement, the various income guarantees and other living benefits offered through variable annuities (VAs) are gaining in importance. Yet before you rush to add a VA to your retirement...


Thursday, October 18, 2018

Good money habits can help you as you save and invest for the future. Bad habits can leave you treading water (or underwater) financially. Here are some to avoid. Not saving enough. Instead of paying themselves first, some families pay...


Monday, October 15, 2018

Stocks just had their worst one-day drop since February, as a combination of higher bond yields, U.S./China tensions, nervousness over the upcoming midterm elections, six straight months of gains, and worries about peak margins this...


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Thursday, October 11, 2018

As an employer, you face a challenge: attracting and retaining the right talent is necessary to drive your business forward. At the same time, you likely feel a responsibility to help your employees achieve retirement financially...


Thursday, October 4, 2018

It isn’t surprising that average contributions are generally lower for younger 401(k) plan participants. Not only is retirement much farther down the road for them than it is for their Generation X and baby boomer colleagues,...


Thursday, September 27, 2018

In the sports world, a mental error can cost your team the big game. When you are investing, a mental error can put your retirement portfolio at risk. Mistakes often result from letting misconceptions and emotions affect your decisions...


Thursday, September 20, 2018

Layoffs are a fact of corporate life as companies grapple with economic cycles and global competition. If you get caught in a corporate downsizing and you are not immediately moving to a new employer, you generally have three options...


Thursday, September 13, 2018

Growth and value are two fundamental approaches, or styles, in stock and stock mutual fund investing. Growth investors seek companies that offer strong earnings growth, while value investors seek stocks that appear to be undervalued in...


Thursday, September 6, 2018

Grab your backpacks -- fall's here and we are back to school! But wouldn't it be great if all your worries disappeared when fall arrived? Usually, that doesn't happen. Actually, if money is stressing you out and you're trying to figure...


Thursday, August 30, 2018

Whether you need travel insurance is likely to depend on your level of coverage from existing homeowner's, medical, automobile, and life insurance policies. In many instances, travel insurance may duplicate coverage that you already...


Thursday, August 23, 2018

American workers change jobs fairly frequently. For instance, the youngest baby boomers held an average of more than 11 different jobs before the age of 48.1 The decisions you make about how to manage retirement assets when changing...


Thursday, August 9, 2018

Everyone needs a vacation periodically. Breaking the routine of the workaday world is not only refreshing, but studies show it's good both for you and your ability to do a better job. Reducing job stress can lead to more productivity....


Thursday, July 26, 2018

Divorce can be a complicated and challenging process in which details are easily overlooked. Protecting your financial health during this time is crucial, and no one should enter this process without a trusted attorney (specializing in...


Thursday, July 12, 2018

Many adults are finding that their aging parents are in need of healthcare assistance. Luckily, there are many options available today to help your parents grow old gracefully, either in their own home or in a facility, and several...


Thursday, June 28, 2018

Your retirement plan may offer you several options for managing your retirement plan assets when you change jobs or retire. Understanding these choices will help you narrow down your choices. Your Options Following are the options that...


Thursday, June 14, 2018

In certain instances, a terminally ill person can initiate a transaction known as a viatical settlement in which the policy owner sells his or her policy to a viatical settlement company in return for a lump-sum payment. Whole, term,...


Thursday, May 31, 2018

While long-term care policies may provide benefits for people with Alzheimer's and other forms of dementia, these policies cannot normally be purchased after someone has been diagnosed. This makes advance planning all the more...


Thursday, May 17, 2018

In most instances, you become eligible for Medicare on the first day of the month you turn age 65. Whether you need to sign up, and how to go about doing so, depends on the type of coverage you select and whether you collect Social...


Thursday, May 3, 2018

There is a good possibility that you or your spouse will eventually require some form of long-term care. According to the U.S. Department of Health and Human Services, about 70% of people aged 65 or older will enter a nursing home for...


Thursday, April 5, 2018

Haven't read Parts I & II yet? This article will make a lot more sense if you read those first - you can find them here and here. WHY DOES THE SEQUENCE OF RETURNS MATTER?There is a serious risk to any retirement income strategy....


Thursday, March 29, 2018

These considerations prompt the question: “How much should I take out of my portfolio?” As if dealing with an increasing income need over a potentially longer-than-expected lifetime isn’t challenging enough, it is further complicated by...


Thursday, March 22, 2018

What if you learned that all you believed about saving for retirement was incorrect? What if the rules changed somewhere along the way and no one told you? When would you want to know?The dream is that you work hard until age 65,...


Thursday, March 1, 2018

Many adults are finding that their aging parents are in need of health care assistance. Luckily, there are many options available today to help your parents grow old gracefully, either in their own home or in a facility, and several...


Thursday, February 22, 2018

Market timing is an investing strategy in which the investor tries to identify the best times to be in the market and when to get out. A big risk of market timing is missing out on the best-performing market cycles; missing even a few...


Thursday, February 15, 2018

What Americans living, working, or traveling abroad need to know about financing health care in a foreign country. Generally speaking, public and private health insurance plans in the United States -- including Medicare and most...


Monday, February 5, 2018

Although online crime is a fast-moving target, currently, the primary methods in use by identity thieves are social engineering and phishing -- or typically a combination of both. According to the Federal Trade Commission (FTC),...


Wednesday, December 13, 2017

The end of the year is always busy with holiday related activities – shopping, travel, work parties, etc. One important year-end item that should be on everyone’s to-do list, but often isn’t, is a financial checklist....


Wednesday, October 25, 2017

Many people want to leave a legacy after they’ve passed, and in most cases, it’s a financial legacy. This can come in many forms, but for those who have specific plans to leave a legacy to an individual, group of...


Thursday, September 21, 2017

We are all too familiar with natural disasters – hurricanes, floods, and wildfires being the most recent. While our physical health is significantly more important than our portfolio, a financial disaster can be incredibly...


Friday, September 8, 2017

Were you one of millions who purchased a universal life insurance policy 30 some odd years ago because of the large death benefit with small premiums? Have you been faithfully paying that premium every month since then? Have you looked...


Monday, July 31, 2017

Having interacted with hundreds of clients over the years, there’s a few questions we hear more frequently than others. We decided it might be helpful to take a couple minutes to dive into the topics you’re talking about....


Friday, July 28, 2017

There are plenty of advisors in the world who do a great job directing their client’s financial lives, keeping client needs at the forefront of their decision-making. Unfortunately, many people have experienced an advisor that...


Tuesday, June 13, 2017

If we are true with ourselves, most everyone can think of a time they made a poor investment decision. That mistake does not always result from choosing the wrong mutual fund or stock. It can simply be from a missed opportunity. Either...


Tuesday, June 6, 2017

It’s often said that the average person puts more time into planning their vacations than their retirement. Perhaps it’s the immediate satisfaction that comes with a well-planned trip, but retirement could be your longest vacati


Tuesday, May 30, 2017

What can be simultaneously stressful and relaxing, and almost always costs more money than you were intending?If you guessed vacation, you’re correct!Too often, we spend recklessly when we’re away. That “treat yourself” mentality can be har


Tuesday, May 23, 2017

Retirement is a long journey with many twists and turns along the way. Like any road trip, we would love to see around every corner to prepare for any dangers that may lie ahead. Retirement is no different. We’ll look at five potential haza


Monday, May 8, 2017

Spring is in the air, and it seems like half of our office is moving, buying, or selling something (don’t worry, they’re all staying local!). Maybe you’ve joined in on the fun, and are looking to buy a home this spring. Before doing so, her


Wednesday, April 12, 2017

Preparing for retirement is a lot like training for a marathon – you’ve got a long distance ahead and want to do everything in your power to make it as painless as possible. Of course, there might be bumps along the way, but as long as you’


Monday, April 3, 2017

We’ve all had one of those days at work, where the only thing to make you feel a little bit better is a quick trip to your favorite store. Sure, you probably don’t need another bottle of nail polish, but there’s something about that quick d


Monday, April 3, 2017

It’s Monday morning and you’re running late, yet again. You jump in the driver’s seat, start the car, and what pops up? That dreaded ‘Check Engine’ light.You could keep driving for an indeterminate amount of time, but your car will almost c


Monday, March 20, 2017

The perception of, and planning for retirement has changed dramatically over the last century. In the early 1900’s, retirement was not a life goal. It was often something that one was forced into if they lived an unusually long life.


Thursday, February 16, 2017

The 401k is the main vehicle for most retirement savers in today’s workforce. While it’s not as attractive as a company pension, it is still a viable means of providing a comfortable retirement for many. However, there can be numerous traps


Tuesday, February 14, 2017

The ideal retirement is smooth sailing – no financial bumps, no health issues – just a happy, carefree life. However, we all know this is incredibly unrealistic. While working up to the level of “Doomsday Prepper” may not be necessary, plan


Friday, February 3, 2017

Before you get upset, thinking this is just another blog post about millennials, let’s explain. The Greatest Generation, also known as the “G.I. Generation,” are the individuals who grew up during the Great Depression, lived through World W


Friday, January 27, 2017

For many of us, a New Year’s resolution is a great way to simplify what we want out of the coming year. Each year, many people set financial goals like “be smarter with money” or “save more of my income.”However, making the resolution to sa


Thursday, January 19, 2017

It is very common to hear about investment products and the benefits they tout. Stocks boast growth potential, annuities attract with guarantees, while the lure with CDs is preservation and income. All of these can make a great impact to a


Friday, January 13, 2017

Now that the holidays are over, New Year’s Resolutions are in full swing! If you’re resolving to improve your financial habits, and still have to decide what to do with your year-end bonus, here’s a few starting points to help you make the


Wednesday, December 28, 2016

When you’re making that year-end list and checking it twice, don’t forget to review the following housekeeping items to ring in the New Year with financial peace of mind.


Tuesday, December 20, 2016

The Kemp Harvest radio show, “Retirement Plain and Simple,” has been airing for years now – every Saturday morning on WNPV at 8am. But now, we want your questions. Submit any and all financial related questions to us and we will answer them


Wednesday, December 14, 2016

Let me take this moment to wish you a warm and meaningful Thanksgiving and Christmas season. I really look forward to this time of year because, at our house, we try to have lots of folks over for Thanksgiving dinner and during the Christma


Monday, November 28, 2016

Debt can be all-consuming, but it doesn’t need to be. While it is easy to fall into and much harder to get out of, becoming debt-free is not unattainable! Millions of people have done it; but it will take dedication and the ability to see t


Monday, November 28, 2016

Companies offer benefits to their employees in many different ways - health insurance, cafeteria plans, and retirement savings plans being some of the most popular. One component of retirement benefits is company stock. Through Employee Sto


Friday, November 11, 2016

The idea of budgeting is not difficult – decide where you want your money to go, then make sure it goes there. However, it’s much easier said than done. Budgeting is made up of lots of little decisions, all used to uphold the one greater de


Monday, November 7, 2016

We are ten days out from Christmas, and you know what that means! Wrapping paper shreds everywhere, cookies in the oven (hopefully not burning), and that same Bruce Springsteen song about Clarence getting a new saxophone playing over and ov


Monday, November 7, 2016

I usually tell people that there’s a big IF right in the middle of life. Just as you never know what may happen in the game of Life, there are many “what ifs” when retirees begin to plan for their retirement. For retirees


Thursday, October 27, 2016

Hang up the work clothes, turn off the alarm clock and forget about those “back-to-work blues.” You made it! Welcome to retirement. While many people view retirement as an event, we like to think of it as a process th


Wednesday, October 26, 2016

We’ve heard the chatter for years now; “interest rates can only go up.” Investors have kept a close watch on when rates will rise to more normal levels. The expectation has been that once the U.S. economy can stand on its


Thursday, October 6, 2016

Taxes are a common theme in all areas of financial planning - they almost always impact your bottom line. That’s certainly true when it comes to taking income from your retirement savings.


Thursday, September 8, 2016

Have you ever wondered how to help secure the financial future of your children or grandchildren beyond college expenses?


Thursday, September 1, 2016

We’ve all seen the popular Capital One credit card commercials that always end with the same question: “What’s in your wallet?” In the same way, I like to ask an equally important question: “What’s in your retirement plan?”


Thursday, August 25, 2016

Couponing has turned into an extreme sport for some, even granting its own TV series and cult-like following. They’re saving loads of money, for sure, but not everyone has the ability to commit to such an undertaking! For those who don’t ha


Wednesday, August 10, 2016

​Think back to the last time you were on a roller coaster. The high speeds, massive loops, and steep free-falls all got your adrenaline pumping. However, as time wears on, our stomachs can’t handle those same ups and downs anymore. We lose


Friday, August 5, 2016

It’s no shock that retirement brings about a lot of free time. Some fill it to the brim, while others enjoy a slower pace. No matter where you fall on the spectrum, blogging is a hobby that can keep up with whatever speed you decide to take


Monday, August 1, 2016

In financial planning, we come across all kinds of individuals. Some are excited by the idea of maintaining their finances, while others would prefer to crumple up every bill and never think about numbers again. In our years of working with


Thursday, July 21, 2016

Instead of focusing a lot of effort on making many changes to your spending habits, these six areas of your financial life can yield big savings and earnings with just a few small tweaks.


Monday, July 18, 2016

You’ve seen the headlines and hashtags – but what exactly is “The Brexit?”“Brexit” is actually an abbreviation for “British exit,” referring to Britain’s recent vote to withdraw from the European Union.1 On June 23rd, the nation voted to re


Wednesday, June 22, 2016

No one wants to work their entire life, only to run into financial troubles in retirement. However, this is exactly what’s happening to the majority of Americans. Statistics say the average household will not have enough money to sustain th


Friday, June 3, 2016

As mentioned in Part One of this post, adult children move back home with their parents for a number of different reasons including recently graduating from college or losing a job. Several times a week, I hear from clients seeking guidance


Friday, June 3, 2016

Do you currently have an adult child living at home? Maybe your child just graduated and is weighed down by college loans. Maybe your child just lost his/her job and needs some help figuring out what’s next. Adult children return home


Tuesday, May 31, 2016

Whenever my family goes to the Jersey shore for summer vacation, two things always happen. When we arrive I always say, “I wish we had a beach house. Maybe someday we'll get a place at the shore -- maybe once all the kids are off to colleg


Monday, May 23, 2016

A visit to our office will always include the question, “Do you have your will, living will, and durable power of attorney in place?” Some of our clients affectionately refer to this list of questions as the “nag list.” Our intention is not


Friday, May 6, 2016

What does retirement mean to you? Although the term can be interpreted differently based on personal dreams and passions, author Catherine Pulsifer seems to accurately capture the universal idea: "Planning to retire? Before you do, find you


Monday, May 2, 2016

People like to fit in; it’s one of the simplest laws of human nature. Although we value the things that make us unique, most of us are careful to not let them make us social outsiders. There is strength in numbers, and conformity reassures


Tuesday, April 19, 2016

A good retirement draws on a lifetime of saving and work. But, despite its huge importance, many people slip up in the years just before this milestone. Some of these mistakes are the result of not understanding retirement, while others are


Thursday, April 7, 2016

Still recovering from holiday spending? Maybe you’ve had debt looming for years and you’re ready to turn it around. We’ve collected a few simple steps to help get you on the road to better credit, giving you the tools you need to control yo


Monday, March 28, 2016

While your local dollar store probably isn’t known for quality, they’re definitely known for their low prices! Sift through your weekly purchases to figure out which products require brand-name quality, and which purchases can be just as gr


Monday, March 28, 2016

As we get older, we begin to think about what we’ll leave behind. Some leave money, others leave heirlooms, but most try to avoid leaving additional work for their loved ones. Through this desire to care for those we love most, we’ve develo


Thursday, March 17, 2016

Vacations help families create lifelong memories and relax together. But vacations can also be expensive – the average American household spends about $1,200 per person on summer vacations, according to a 2012 American Express® survey. You


Friday, March 4, 2016

Do you know who you have listed as your beneficiaries? If you can’t confidently state who you’ve noted, it’s probably time to take a look. Here’s a few answers to the questions we hear most often about beneficiaries.


Tuesday, March 1, 2016

There are a lot of misconceptions about financial planning. Consider the other side of these eight common myths.


Tuesday, March 1, 2016

Trying to navigate the duties of an executor can be overwhelming, especially if it’s the first time you’ve taken on this level of responsibility. To avoid unnecessary stress in what’s already a stressful environment, we’ve given you six ste


Friday, February 26, 2016

Few things are able to motivate us like self-improvement. But despite our initial enthusiasm, our personal goals can seem like impossible challenges after just a few days.Financial goals are particularly difficult to accomplish. Spending mo


Thursday, February 18, 2016

As a parent, it’s your responsibility to teach your children about the world, including how to manage money. Financial literacy is one of the most important lessons you can impart on your children to make them successful in adulthood. Raise


Thursday, February 11, 2016

Tax season is perhaps the most widely hated time of the year. It’s annoying and, for many, expensive. But despite its unpopularity, some people are determined to make it even worse: tax scammers.Wherever there is money, there is someone wil


Thursday, February 4, 2016

If you’re unhappy in your current job and want to make a career change late in life, it’s important to make a thorough plan first.More than half of U.S. workers want to change careers, a number that will likely increase as time goes on. Peo


Thursday, January 28, 2016

We’ve all heard terrible stories about identity theft – stolen credit card numbers, collection agencies calling about an account you never opened – the list goes on and on. When even the Supreme Court has deemed that there’s nothing illegal


Thursday, January 14, 2016

In this new year, you may have the opportunity to reevaluate your employer-sponsored retirement plan. Most companies will give you the option to choose between a Traditional and Roth 401(k). Chances are, this decision will require a little


Thursday, January 14, 2016

If you had to guess the largest minority group in America, what would you say? The Department of Labor states that as of January 2016, people with disabilities make up the nation’s largest minority, counting almost 50 million individuals.Fo


Thursday, December 31, 2015

The best financial decisions are made with the benefit of time, thoughtful consideration, and trusted professional advice. As tax time approaches, take the time to prepare for sound, long-term financial decisions to minimize expenses, taxes


Thursday, December 24, 2015

Let me take this opportunity to express my warmest wishes - from all of us here at Kemp Harvest Financial Group - for a joy-filled Christmas season. The holidays are a great time to get together with extended family and friends, but it can


Thursday, December 17, 2015

As we approach the holidays each year, it becomes a wonderful time to spend with family and friends. It also becomes a time to step back, count our blessings, and reflect on how fortunate we are. You might also find that your budget is tigh


Thursday, November 5, 2015

With home ownership in the United States now approaching 70% of all households, the chances are good that you've either taken out a mortgage in the past or have one now. However, many homebuyers don't research and act as carefully as one mi


Wednesday, August 26, 2015

If you have an account in a qualified retirement plan, you need to understand that one day you will be forced to take withdrawals from your account whether you want to or not. For many this is not a significant concern as these accounts wer


Friday, July 10, 2015

With Baby Boomers beginning to reach age 65, the topic of long term care is drawing increasing attention. Unfortunately, long term care is often misunderstood and, as a result, is poorly planned for, if at all.