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The typical first-time homebuyer is now 40, a record high. Younger Americans aren’t necessarily giving up on homeownersh...
10/23/2026

The typical first-time homebuyer is now 40, a record high. Younger Americans aren’t necessarily giving up on homeownership and retirement; many are simply taking a different path to get there.

Priorities are shifting: 62% say owning a home and saving for retirement have become more challenging, prompting many younger adults to rethink when and how they pursue those goals.

Financial pressures are reshaping choices: Housing costs, inflation, and student debt are influencing how younger professionals think about careers, lifestyles, and long-term plans.

Homeownership looks different now: Multigenerational purchases and co-ownership arrangements are becoming more common as buyers find alternative paths to the same goal.

See how younger generations are redefining financial success: https://bit.ly/3TQtCVH

The younger generations are increasingly living for the here and now.

A smooth retirement starts before your last day of work. Here’s what’s worth checking off before you hand in that resign...
10/16/2026

A smooth retirement starts before your last day of work. Here’s what’s worth checking off before you hand in that resignation letter.

- Clear debt and build a real budget: Lowering debt before retirement can reduce pressure on a fixed income, while a realistic budget helps you see whether your expected spending lines up with what you’ve saved.

- Tie up loose ends at work: Check with HR about outstanding stock, health benefits, or seniority perks you could lose by leaving too soon.

- Time Social Security and withdrawals carefully: Claiming Social Security early means a smaller monthly benefit, while tapping retirement accounts too soon may trigger taxes or penalties.

Use this checklist to spot any loose ends before retirement day arrives: https://bit.ly/4yMyrhM

You don't want to start your retirement on the wrong foot by making early mistakes. Make sure you have a plan in place before you offer your resignation letter.

73% of small businesses have seen expenses rise in the past three months, the sharpest increase since early 2025, while ...
10/09/2026

73% of small businesses have seen expenses rise in the past three months, the sharpest increase since early 2025, while revenue is falling in most sectors. If margins are being squeezed, a few targeted cuts can help protect your bottom line.

Audit subscriptions and marketing: Cancel unused software and shift toward lower-cost strategies like email and organic social.

Renegotiate what you can: Shop around on utilities and internet and ask suppliers about better rates or volume discounts before contracts renew.

Let AI handle the busy work: Automating repetitive admin tasks can free up more time for work that supports revenue.

See which cost-cutting moves could make the biggest difference for your business: https://bit.ly/4yko70f

If business expenses are rising and revenue is struggling to keep up, you may be able to cut costs in a few areas and lessen the blow. Here are five places to look.

Most Americans retire around 61, but full Social Security benefits may not kick in until 67, leaving a gap of several ye...
10/02/2026

Most Americans retire around 61, but full Social Security benefits may not kick in until 67, leaving a gap of several years that can have lasting financial consequences. Confusing these two ages can mean locking in a permanently smaller monthly benefit. Here’s what to know before you decide:

Know the difference: The average retirement age reflects when people actually stop working; full retirement age (FRA) is the legal threshold for 100% of your benefit.

Understand the early-claim penalty: Claiming at 62 with an FRA of 67 means a permanent 30% reduction, and future COLAs apply to that smaller amount.

See what waiting buys you: Delaying past FRA adds 8% per year up to age 70, turning a $2,000 benefit into roughly $2,480.

See how different claiming ages could affect your Social Security benefit: https://aol.it/4dKFgYK

Key takeaways The average retirement age and the full retirement age are two entirely different concepts. The average retirement age is a statistical measure of when Americans actually stop working, currently 61, according to Gallup’s […]

Estate planning may feel stressful to start, but leaving important decisions unresolved can create even more worry. A co...
09/25/2026

Estate planning may feel stressful to start, but leaving important decisions unresolved can create even more worry. A complete plan can provide greater control, clarity, and guidance for loved ones.

Reduce uncertainty: Decide who will manage your finances, make healthcare choices, and carry out your wishes.

Cover the essentials: A will, trust, power of attorney, and healthcare documents can answer important “what if” questions before a crisis.

Ease the family’s burden: Clear instructions can reduce confusion, disagreements, and the pressure to guess what you would have wanted.

Learn how to begin the process and talk with your family about your plans: https://aol.it/4hDbqrU

Ettinger Law Firm reports that estate planning reduces anxiety for older adults by providing control over decisions, enhancing mental health, and protecting family relationships.

College savings can feel tricky when you’re planning for a future your child may not follow exactly. Here are a few ways...
09/18/2026

College savings can feel tricky when you’re planning for a future your child may not follow exactly. Here are a few ways families can build in more flexibility:

Keep 529s in context: They can work well for college and some qualified education paths, but may be less flexible if your child takes a gap year, starts a business, or chooses another route.

• Consider a backup account: Roth IRAs may let you withdraw contributions if needed, while keeping the money available for retirement if plans change.

• Don’t overlook free money: Merit scholarships, AP classes, and dual enrollment can help reduce future costs before the first tuition bill arrives.

See why a flexible college savings strategy may matter as much as the amount you save: https://bit.ly/4uyZScQ

As tuition costs soar, money pros suggest some key backup plans if a child decides to skip higher education

The biggest retirement regrets often start years before retirement itself. Not saving enough and waiting too long to sta...
09/11/2026

The biggest retirement regrets often start years before retirement itself. Not saving enough and waiting too long to start are two of the most common. Try these tips:

⏰ Start sooner, even if it’s small: The earlier you save, the more time your money has to grow. And with 70% of retirees in one study leaving work earlier than planned, those extra years may matter more than you think.

💰 Increase savings gradually: Consider raising your contribution rate by 1% each year or when you receive a raise, while keeping the amount manageable for your budget.

🏥 Plan for healthcare: Medical expenses can take a significant bite out of retirement income. Include them in your savings goals so they don’t crowd out travel, family, or other priorities.

See how starting sooner and saving consistently can help reduce common retirement regrets: https://bit.ly/4xUOJEM

The retirement regrets people wish they could undo often start decades earlier. Here’s how saving sooner can help you build more freedom later.

Your 60s are more than a countdown to retirement—they’re a chance to make strategic moves. Align income and spending, ad...
09/04/2026

Your 60s are more than a countdown to retirement—they’re a chance to make strategic moves. Align income and spending, adjust investments, and stay ahead of tax changes. Discover the moves that can help put your retirement plan on solid footing. https://bit.ly/4qWhs9S

Your 60s are the home stretch into retirement. Discover strategies to turn your plan into action, create income, and retire with confidence.

Teaching your kids about money could save you from future financial headaches. Experts suggest discussing spending habit...
08/28/2026

Teaching your kids about money could save you from future financial headaches. Experts suggest discussing spending habits, offering allowances, and even turning savings into a competition. Learn creative ways to make finance fun for children: https://bit.ly/2yZFlnw

Set your kids up for long-term financial success by teaching them early about money.

It takes more than money to be a rich retiree. Maintaining wealth and happiness in retirement requires a combination of ...
08/21/2026

It takes more than money to be a rich retiree. Maintaining wealth and happiness in retirement requires a combination of smart financial habits and intentional lifestyle choices:

Spend with Purpose: Balance a mindful budget with enjoying your wealth on experiences that bring you joy.

Invest Wisely: Diversify your portfolio and determine a safe withdrawal rate to ensure your wealth lasts.

Prioritize Well-being: Live with a sense of purpose, stay active, and build a team of trusted professionals to help manage your legacy.

Discover 12 habits wealthy retirees use to stay rich and happy: https://bit.ly/kplngjkkbjerTh

From prioritizing spending and investing wisely to using debt thoughtfully, rich retirees get it right. Ready to build a roadmap for your meaningful journey?

Address

1713 Fort Jesse Road, Suite A
Normal, IL
61761

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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