Craig W. Moncey, ChFC - IPI Wealth Management, Inc.

Craig W. Moncey, ChFC - IPI Wealth Management, Inc. At IPI Wealth Management, integrity is key to the way we do business. That’s why our financial pla

At Investment Planners, integrity is key to the way we do business. Our integrity and independence enable us to deliver financial products and services with your best interests in mind. We believe performance is more than your return on investment; it’s making sure you’re meeting your lifestyle goals along the way. That’s why our financial planning process starts by getting to know you personally.

We use the latest technology to enhance the personalized service you receive, not to replace it. At IPI, we offer sophisticated solutions to meet the needs of our clients. We advise many clients on estate issues, building funds for education, and providing for retirement through the use of investment vehicles such as managed money, mutual funds, alternative investments, stocks and bonds. We use these tools to address issues specific to the individual client, including long-term planning, sensitivity to taxes and investment volatility. We are here to serve the complex needs of high quality clients and their families. Securities offered through Investment Planners, Inc., Member FINRA/SIPC. Investment advisory services offered through IPI Wealth Management, Inc.

03/13/2025

🚀 We’re Hiring! Join the Quincy Worx Team 🚀

Quincy Worx – a vibrant coworking space in Quincy, IL, designed for remote professionals and small businesses – is searching for a passionate Hospitality Coordinator to help create an inspiring environment that fosters creativity, collaboration, and growth! 🌟

Do you thrive in a dynamic, community-driven setting? Or know someone who does? We’re looking for dedicated individuals who want to be part of something special!

📅 Position: Part-time / Full-time (M-F)
📧 Interested? Send your inquiries to [email protected]
💼 Subject: Hospitality Coordinator

Join us in shaping the future of work at Quincy Worx! 💼

Social Security is complicated, and the details are often misunderstood even by those who are already receiving benefits...
09/25/2023

Social Security is complicated, and the details are often misunderstood even by those who are already receiving benefits. If you’re looking forward to receiving your Social Security benefits, whether in one year or 30 years, you may be curious about some of the basic rules and options and how they might affect your financial future.

Check out Social Security 101: https://www.ipiwm.com/Social-Security-101.c10121.htm

I would love to help you plan your financial future and answer any question you may have, call 217-203-6464 or schedule an appointment by visiting https://calendly.com/cmoncey

Economists have been predicting a recession for the U.S. economy ever since the Federal Reserve began aggressively raisi...
09/08/2023

Economists have been predicting a recession for the U.S. economy ever since the Federal Reserve began aggressively raising interest rates in 2022. This is Econ 101. High interest rates, which make it more expensive to borrow, are intended to tame inflation by slowing business and consumer spending. A rapid and extreme increase in rates, as the Fed has carried out over the last year and a half, can be expected to slam the economy into reverse. The classic example is the early 1980s, when the Fed pushed the economy into a deep recession in order to stop runaway double-digit inflation.

Read more here: https://www.ipiwm.com/HOT-TOPIC-Soft-Landing-or-Delayed-Recession.c10128.htm

If you have a financial question and would like to chat, call 217-203-6464 or schedule an appointment by visiting https://calendly.com/cmoncey

A recent AARP study found that nearly half of all private sector employees ages 18 to 64 had no access to a retirement p...
08/31/2023

A recent AARP study found that nearly half of all private sector employees ages 18 to 64 had no access to a retirement plan at work. It also found that small businesses are more likely to lack a work-based plan, putting their workers at a significant disadvantage when it comes to retirement preparations.

Read the article here:
https://www.ipiwm.com/SECURE-2-0-Big-Impact-for-Small-Businesses.c10107.htm

I am here to help you plan financially for your retitement. Let's chat today, call my office at 217-203-6464 or schedule an appointment by visiting https://calendly.com/cmoncey

A couple of federal personal tax credits are available for the installation of certain energy efficient or clean energy ...
08/21/2023

A couple of federal personal tax credits are available for the installation of certain energy efficient or clean energy property in your home. The energy efficient home improvement credit is available for qualifying expenditures incurred for an existing home or for an addition to or renovation of an existing home, but not for a newly constructed home. The residential clean energy property credit is available for qualifying expenditures incurred for either an existing home or a newly constructed home. For both credits, the home must be located in the United States and used as a residence by the taxpayer.

Learn more: https://www.ipiwm.com/Home-Energy-Tax-Credits.c10105.htm

Have questions about your financial future? Contact me at 217-203-6464 or make an appointment at https://calendly.com/cmoncey.

Mutual funds pool investment dollars from many individual investors to purchase a group of selected securities aimed at ...
08/07/2023

Mutual funds pool investment dollars from many individual investors to purchase a group of selected securities aimed at meeting a particular objective. This offers a convenient way to invest across a wide range of market activity that would be difficult for most investors to do by purchasing individual securities. More than 52% of U.S. households owned mutual funds in 2022.

Check out this article: https://www.ipiwm.com/Mutual-Funds-Whats-in-Your-Portfolio.c10104.htm

What’s in Your Portfolio? Need help with your financial future? Call me today at 217-203-6464 or make an appointment at https://calendly.com/cmoncey.

What is happening in the world of higher education? 2023 survey revealed a notable shift in public opinion over the past...
08/02/2023

What is happening in the world of higher education?

2023 survey revealed a notable shift in public opinion over the past decade about the value of a college degree: 56% of Americans think a four-year college degree isn’t worth the cost due to students graduating with significant debt and a lack of specific job skills vs. 42% who believe college is worth it. The survey numbers have almost reversed from ten years ago, while college enrollment has declined by about 15% over the same period.

Read the full article here: https://www.ipiwm.com/HOT-TOPIC-Whats-Happening-in-the-World-of-Higher-Education.c10114.htm

Whichever path your children decide to go on, I am here to help plan for their financial future. Call me today at 217-203-6464 or make an appointment at https://calendly.com/cmoncey.

Real estate investment trusts (REITs) can offer a consistent income stream that is typically higher than Treasury yields...
07/27/2023

Real estate investment trusts (REITs) can offer a consistent income stream that is typically higher than Treasury yields and other stock dividends (see chart). A qualified REIT must pay at least 90% of its taxable income each year as shareholder dividends, and unlike many companies, REITs generally do not retain earnings, which is why they provide higher dividend yields than most other stock investments. You can buy shares in individual REITs, just as you might buy shares in any publicly traded company, or you can invest through mutual funds and exchange-traded funds (ETFs).

Learn more about REITs, Rates, and Income: https://www.ipiwm.com/REITs,-Rates,-and-Income.c10093.htm

Have a question about your financial future? I am happy to help, call my office at 217-203-6464 or make an appointment at https://calendly.com/cmoncey.

Tax-advantaged retirement accounts such as 401(k) plans and IRAs are intended to promote long-term retirement savings an...
07/21/2023

Tax-advantaged retirement accounts such as 401(k) plans and IRAs are intended to promote long-term retirement savings and thus offer preferential tax treatment in return for a commitment to keep savings in the account until at least age 59½. Withdrawals before that age may be subject to a 10% federal income tax penalty on top of ordinary income tax. However, there is a long list of exceptions to this penalty, including several new ones added by the SECURE 2.0 Act of 2022.

Check out this article about the SECURE 2.0 Act of 2022: https://www.ipiwm.com/SECURE-2-0-Act-Expands-Early-Withdrawal-Exceptions.c10092.htm

Feel free to reach out to my office with questions! Call 217-203-6464 or make an appointment at https://calendly.com/cmoncey.

Wishing you and your family a safe and happy Independence Day!
07/04/2023

Wishing you and your family a safe and happy Independence Day!

The Social Security cost-of-living adjustment (COLA) for 2023 was 8.7%, the largest benefit increase since 1981. Obvious...
06/27/2023

The Social Security cost-of-living adjustment (COLA) for 2023 was 8.7%, the largest benefit increase since 1981. Obviously, the COLA helps current beneficiaries, but you may wonder whether it will make a difference if you’re not yet receiving retirement benefits.

Does the Social Security COLA Help If You’re Not Receiving Benefits? Learn more here: https://www.ipiwm.com/Does-the-Social-Security-COLA-Help-If-Youre-Not-Receiving-Benefits.c10077.htm

Let me help you plan your financial future. Set up an appointment at https://calendly.com/cmoncey or call my office at 217-203-6464.

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3701 E Lake Centre Drive, Ste 1
Quincy, IL
62305

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