Brett Holberg, Financial Advisor

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accuracy or completeness of any statements, statistics, data, opinions, forecasts, or predictions provided in any third-party article and/or website content is intended or should be inferred. Duly registered representatives offer securities through Equitable Advisors, LLC (NY, NY (212) 314-4600), member FINRA, SIPC (Equitable Financial Advisors in MI & TN) and offer investment advisory products and services through Equitable Advisors, LLC, an SEC-registered investment advisor. Duly licensed agents offer annuities and insurance, including those of Equitable Financial Life Insurance Company (NY, NY) (Equitable Financial) and Equitable Financial Life Insurance Company of America (Equitable America) (an AZ stock company with main administrative office in Jersey City, NJ) respectively, through Equitable Network, LLC, (Equitable Network Insurance Agency of California, LLC, in CA; Equitable Network Insurance Agency of Utah, LLC, in UT; Equitable Network of Puerto Rico, LLC, in PR). Equal Opportunity Employer – M/F/D/V. All companies are affiliated and do not provide tax or legal advice. For financial professionals conducting business in the state of New York who hold one or more of the following designations and title respectively, please see Important Information & Disclosures in the link below: CASL, RICP, CRPC, RETIREMENT PLANNING SPECIALIST title

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Living on a budget may seem stifling. Try these techniques for making your budget more flexible and livable, while makin...
12/03/2021

Living on a budget may seem stifling. Try these techniques for making your budget more flexible and livable, while making sure you don't overspend.

Budgeting can be a lot easier if you do it right. Living on a budget can sometimes feel like a major financial burden. But making your budget work for you is one of the keys to staying out of credit card debt and accomplishing your financial goals. The good news is that there are a few established t...

Living on a budget sometimes gets a bad rap. But that's probably because people don't understand the truth about budgeti...
12/02/2021

Living on a budget sometimes gets a bad rap. But that's probably because people don't understand the truth about budgeting. Learn the truth behind these four budgeting myths.

Budgeting is something that everyone should do, but many people don't. There are many reasons for not making a budget, but unfortunately, sometimes it's misconceptions about the budgeting process that prevent people from creating this important financial document. The good news is, learning the trut...

Despite its ups and downs, the stock market remains one of the best places to grow your investments over the long term. ...
12/01/2021

Despite its ups and downs, the stock market remains one of the best places to grow your investments over the long term. Take these three steps to start building your investment portfolio.

The stock market may be volatile, but it remains one of the most effective tools to help grow your savings. Depending on how much you can afford to invest, you can potentially accumulate hundreds of thousands of dollars with the stock market. With enough time, you may even become a millionaire inves...

If you're a teacher or a first responder, pending federal legislation may make home ownership more attainable for you. F...
11/30/2021

If you're a teacher or a first responder, pending federal legislation may make home ownership more attainable for you. Find out what's in the law and how it might help you.

Buying a home is hardly an easy thing to do. To achieve that goal, you need to save up money for a down payment on your home, and for some workers, that's a tough thing to do. But there's a new proposal in the works that may waive that requirement for certain mortgage applicants. Here's what you nee...

Inflation fears are rising, and costs for many goods are increasing. Protect your savings from inflation by understandin...
11/29/2021

Inflation fears are rising, and costs for many goods are increasing. Protect your savings from inflation by understanding how it works and what options you have.

Fears around rising inflation are growing. So if you have savings, what can you do to protect the value of your cash? Here’s what you need to know. Inflation: what is it? Inflation refers to the rising cost of goods or services.

Inflation may be rising, but investors can take advantage of this environment by purchasing I bonds. Here's what you nee...
11/25/2021

Inflation may be rising, but investors can take advantage of this environment by purchasing I bonds. Here's what you need to know about I bonds now and for the future.

TOPSHOT - The Fearless Girl statue stands in front of the New York Stock Exchange near Wall Street on March 23, 2020 in New York City. - Wall Street fell early March 23, 2020 as Congress wrangled over a massive stimulus package while the Federal Reserve unveiled new emergency programs to boost the e...

Your retirement will be a more fulfilling experience if you have a plan for how you want to spend it. Ask yourself these...
11/24/2021

Your retirement will be a more fulfilling experience if you have a plan for how you want to spend it. Ask yourself these three questions to sharpen your retirement focus and maximize your later years.

Getty Images It’s safe to say that many of us want to confidently enjoy the early years of retirement without having to worry that money spent enjoying our newfound freedom will make us vulnerable in our later years. One of the best ways to enjoy retirement with confidence is to develop a written ...

Are you budgeting by looking ahead at what you plan to spend, or by looking back at what you've actually spent lately? I...
11/23/2021

Are you budgeting by looking ahead at what you plan to spend, or by looking back at what you've actually spent lately? If you're not backward budgeting, you're likely to come up short. Take a look to find out how to make backward budgeting work for you.

"Forward budgeters" use their budgets like vision boards, while "backward budgeters" use their budgets like roadmaps. Here's how to find out which method might work best for you and your finances. two different types of charts Getty Images You've probably heard it before: Making a budget can help yo...

Yes, you can have a memorable honeymoon without breaking the bank. Follow these three steps to save on your marriage-lau...
11/22/2021

Yes, you can have a memorable honeymoon without breaking the bank. Follow these three steps to save on your marriage-launching trip.

Here's how to pull off a fabulous honeymoon without breaking the bank. Getting married is hardly an inexpensive feat. In 2019, the average cost of a wedding was $33,900, and in 2020, couples budgeted an average of $30,000 to pull one off, according to research by The Ascent. But there's another expe...

When you retire, you'll still need income every month. And figuring out how much you'll need is the key. Read this to le...
11/19/2021

When you retire, you'll still need income every month. And figuring out how much you'll need is the key. Read this to learn how to plan for income so you'll have a stress-free retirement.

How much income do you need in retirement? It's one of the most important questions in financial planning. Given its importance, it gets relatively little attention. The standard way to determine how much income you need in retirement is called the replacement ratio. The replacement ratio tells you....

If you added unwanted pounds during the pandemic, you're not alone. More than 40% of Americans report they did too. But ...
11/18/2021

If you added unwanted pounds during the pandemic, you're not alone. More than 40% of Americans report they did too. But those pounds don't have to stick with you; take these simple steps to get back into a healthier routine.

(NewsUSA) - Offices around the country are finally opening back up. According to census.gov, more than a third of Americans are still working from home , but the number of people getting back into their daily commutes-and their work clothes -- is growing every day. In the APA's Stress in America™ ...

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