Nathan Bilotta - Welcome Financial

06/16/2026

06/16/2026

Helping your adult children financially is natural, but temporary support can quietly turn into long-term dependency. Setting financial boundaries and focusing on guidance protects your future while helping them build independence.

It is a natural instinct for parents to want to help their children make the transition into adulthood. But even well-intentioned support can switch quickly from short-term help into long-term dependency, putting parents’ financial security at risk.

06/12/2026

An in-plan Roth conversion lets you transfer certain pre-tax retirement savings into an after-tax Roth account, so future growth and qualified withdrawals can be tax-free. The tradeoff? You’ll pay taxes on the amount you convert now.

In the right situation, it can be a smart way to manage your tax exposure over time. It all comes down to timing and your long-term plan. Get the details here and see when it might make sense for you:

An in-plan Roth conversion allows participants of 401(k), 403(b), or governmental 457(b) plans to transfer pre-tax funds to an after-tax (Roth) account contained within the same plan. The main advantage of a conversion is that it lets the converted money grow tax-free (instead of tax-deferred). This...

06/10/2026

Budgeting doesn’t have to be overwhelming. Watch our quick video to learn simple steps to organize your finances and confidently plan for what’s next.

Understanding how to develop and maintain a budget can mean the difference between feeling burdened by debt or saving for a house, retirement, or vacation. Here’s a brief overview explaining the importance of budgeting, elements to consider, and how to get started.

06/02/2026

Your beneficiaries play a big role in shaping your financial legacy. When was the last time you reviewed yours? Learn what to consider when naming and updating beneficiaries for your retirement accounts.

The beneficiaries you name for your retirement accounts can have a major impact on your family’s financial future. That’s why it’s essential to designate them properly and review them regularly. Making smart choices ensures that what you’ve worked so hard to save goes exactly where you want ...

05/18/2026

There is a new way to save for your child's future. If you have a newborn, you also may be eligible for a special government gift.

There is a new tax-advantaged savings and investment account designed especially for children. Known as a Trump Account, it provides a new way to save for a child’s future. These accounts are owned by the child but administered by an adult and work much like a custodial IRA, but with special rules...

05/08/2026

You've worked hard for your money & deserve to enjoy it on travel! Check out my 5 tips for smarter, comfier trips after 50. Perfect for your next adventure.

Enjoying travel after 50 is about comfort, safety, and smart money choices that protect your future. Here are five focused tips tailored to you.

05/06/2026

Group dinners, trips, and shared gifts are fun, but splitting the costs isn’t always easy. The good news? Clear communication and a few smart habits go a long way. Discover 5 practical ways to make group spending organized, transparent, and completely stress-free.

Your fancy dinner out with friends finally made it out of the group chat! But now that the check is here, you’re wishing you could hide behind your screen to avoid that awkward money conversation. But it doesn’t have to be this way! Here are five simple ways to avoid uncomfortable money moments ...

04/17/2026

Markets may react quickly but keeping a long-term perspective matters.

In our latest update, we break down how geopolitical tensions, inflation concerns, and changing interest rate expectations are driving short term volatility while the broader economic outlook stays resilient.

Stay focused, stay informed, and avoid reactionary decisions during uncertain times.

March 31, 2026 Heather Rupp, CFA, VP Investments Tom Nugent, Executive Vice President, Chief Investment Officer The first quarter of 2026 has not been light on market moving events. The administration’s successor to the Federal Reserve Chair was announced, with Kevin Warsh expected to take the hel...