Angelique Ayala, Financial Planner

05/16/2024

Feel like money conversations with family are taboo? Not anymore. Having these crucial talks will help build financial security for your loved ones. Check out 3 expert strategies for navigating these sensitive topics: https://bit.ly/4bDrwvp

Believe it or not, your teenagers want to hear what you have to say about money and your family’s financial decisions. But be willing to listen, too.

05/14/2024

Women face unique challenges when saving for retirement, including the gender pay gap, career breaks, and outliving men. Check out these tips you can take to empower yourself and build a bigger nest egg: https://bit.ly/4ae8mem

Pursuing financial literacy and taking advantage of savings opportunities, such as employer-offered 401(k)s, can give women saving for retirement a leg up.

05/07/2024

If your tax refund is MIA, don’t panic just yet. Check out these common reasons for delays, mistakes that might hold up your refund, and when and how to check in with the IRS: https://bit.ly/3Ux9HqO

Here are some reasons your tax refund may be delayed this year – and tips for what you can do if yours is late.

04/17/2024

If full retirement sounds like too much of a leap, you may want to consider a phased approach. Here’s a summary of the benefits of semi-retirement, and what factors to think about before you choose that option: https://bit.ly/4aYv7DR

A phased retirement has a lot to offer. But there are important financial factors to consider depending on your age and financial situation.

04/15/2024

Feeling generous? If you or your family members want to give a monetary gift to your children, there are many ways to do it. Keep these tips in mind for the most strategic and financially beneficial approaches: https://bit.ly/3TQ1dL9

The smartest gifting method will depend on factors like the purpose of the money and when you want your child to have access to it.

04/12/2024

If you’re getting ready to retire, you might be thinking about relaxation and vacation, but there’s something else to consider—tax strategy. Learn how withdrawals and Social Security timing can impact your IRS bill: https://bit.ly/3PXsqKW

Coming up with the best tax strategy in retirement can be much trickier than it seems, and tax pros agree that it is a time when people need to be especially careful.

02/05/2024

If you’ve started planning for retirement, you know that you can start collecting Social Security once you turn 62. But delaying until you reach your full retirement age or beyond can significantly increase the amount of your monthly check. Learn more: https://bit.ly/49leC3Y

Those who wait to claim benefits until age 70 can get a massive boost in retirement income.

12/14/2023

The Federal Reserve delivered good news in its meeting Wednesday, leaving interest rates unchanged and setting an expectation of rate cuts for next year. Learn more about the Fed’s decision: https://bit.ly/3uZfTiu

The Federal Reserve on Wednesday held its key interest rate steady for the third straight time and set the table for multiple cuts to come in 2024 and beyond.

12/12/2023

The U.S. jobless rate fell to 3.7% in November—the lowest level since July—as employers added 199,000 jobs. Find out more details from the latest Labor Department report: https://bit.ly/3v1XWj5

Employers added a better-than-expected 199,000 jobs in November, despite efforts to cool the economy.

12/11/2023

We wish you a happy holiday and a scam-free new year! Winter season shopping sprees have scammers working overtime, so check out these tips for protecting your cash and purchases from fraudsters: https://bit.ly/3GArNlb

Scammers make convincing ads that seem like they're from the real company by using the same name and logo.

12/07/2023

to our team gathering at our Houston office last month! It was great being together in person and seeing some of our clients. 😊

12/06/2023

Reaching age 50 is a milestone for many reasons. Regarding retirement, it’s time to assess your savings and determine if you need to start putting away more money. Here’s how much you should have saved, and how to prioritize savings at 50: https://bit.ly/3GrC9UL

As you approach retirement, it’s vital to know how much money you should have saved by 50 – and what you can do if you need to catch up.