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Featured Articles
Learn more about key concepts and topics related to financial planning.
Are You Budgeting Correctly for Summer Vacations and Upcoming Holiday Spending?
Summer is here, which means calendars are filling up with vacations, weekend getaways, family...
Navigating ABLE Accounts: Benefits and Best Practices
Read Time: 5 min Navigating ABLE accounts effectively can be a game changer for individuals...
Saving Options for Your Child: ROTHS, UTMAs, 529s, and ABLEs
Read Time: 5 min As parents, one of the most common questions we ask is: “Where...
The Need for a Financial Plan at Every Stage of Life
Read Time: 5 min Many people think financial planning is something you do once you have...
Understanding the Role of a Financial Advisor for Families with Disabilities
Read Time: 5 min When you are raising or supporting a family member with disabilities,...
Understanding Your 401(k) and IRA Options: Making Informed Retirement Decisions
Read Time: 5 min Retirement savings is not just about how much you contribute, it is also about...
Time to Spring Clean Your Finances!
READ TIME: 7 MIN While you’re busy preparing for the warm summer months, why not clean your...
Spring Pruning for Special Needs Parents
This month we a lucky enough to feature an article by Carinne Mossa the founder of It Takes a...
Tax Planning in Retirement: Turning Strategy Into Sustainable Income
Read Time: 5 min Many people assume that taxes naturally decline in retirement. In reality,...
What to Do with Retirement Accounts When Planning for a Dependent with Disabilities
Read Time: 5 min Planning for retirement is complex on its own. When you are also planning...
Strategies to Minimize Taxes: Proactive Planning for Long-Term Financial Success
Read Time: 5 min For many families, taxes are one of the largest expenses they will face...
Tax Benefits and Deductions for Families of Children with Disabilities
Read Time: 5 min Understanding How to Maximize Financial Support Through the Tax System Caring for...
Common Retirement Plan Options for Businesses
Read Time: 5 min Planning for retirement is a crucial aspect of running a successful small...
Maximizing Your Social Security: Strategies to Implement and Know Your Options
Read Time: 7 min For many retirees, Social Security is the foundation of their retirement income....
Finding the Right Therapists: Tips for Special Needs Families
Read Time: 4 min Finding the right therapist for a child with special needs can feel...
Maximizing Your Social Security: Strategies to Implement and Know Your Options
Read Time: 4 min For many retirees, Social Security is the foundation of their retirement...
Jump Start The New Year With These Year-End Planning Tips
Read Time: 4 min As we approach the end of the year, it’s the perfect time to reflect on the...
Navigating Caregiver Burnout: Strategies for Prevention and Preparedness
Read Time: 5 min Caring for a loved one, whether a child with disabilities or an aging parent, is...
Upcoming Changes to 401(k) Catch-Up Contributions in 2026
Read Time: 3 min As retirement planning continues to evolve, so do the rules governing...
Understanding Virginia’s Medicaid Waivers for Individuals with Disabilities
Read Time: 8 min Navigating the world of disability services can be overwhelming,...
Life Insurance 101
Read Time: 5 min If your family relies on your income, it's critical to consider having...
Where to Start the Disability Benefits Process for Your Child – by Tanusha Thuraisingam, Esq.
Read Time: 10 min While the process of applying for Disability Benefits for child has not...
Insights on the One Big Beautiful Bill Act
Read Time: 10 min Taken from: Russell E. Towers, JD, CLU, ChFC VP, Business & Estate...
Back-to-School Checklist for Special Needs Parents
Read Time: 5 Min Preparing for back-to-school season can be a busy and emotional time for...
Eight Mistakes That Can Upend Your Retirement
Read Time: 4 Min Pursuing your retirement dreams is challenging enough without making some common,...
Are you working on improving Independent Life Skills?
Read Time: 5 Min Helping young adults with disabilities build independent living skills is...
How to Effectively Use Credit Card Points—And When to Avoid Them
Read Time: 5 Min Credit card reward programs can be an excellent tool for savvy consumers to...
Major Federal Updates to ABLE Accounts
Read Time: 5 Min ABLE stands for Achieving a Better Life Experience and was created in 2014 by the...
Updates to Social Security
Read Time: 5 Min Whether you’re applying for Social Security in the future or currently receiving...
Ongoing Transformation Requires Both Internal Fortitude and External Nourishment
That pressure might look like tension, irritability, breathlessness, fatigue, sleeplessness, or withdrawal. That’s not failure. That’s your system trying to right itself. According to Mary Morrison, MBA, MAc Founder and CEO of How We Heal.
Using Micro Boards to Manage Special Needs Trusts
A Micro Board is made up of no more than 5 to 7 people who collaborate to manage various aspects of a person’s life, such as health care, employment, education, and financial planning. The group works together to create and maintain a long-term plan, with each member bringing their expertise and perspective to the table.
Retirement Seen Through Your Eyes
READ TIME: 5 MIN How do you picture your future? Some see retirement as a time to start a...
Beyond the Documents: Why a Family Love Letter® is Crucial for Estate Planning
READ TIME: 5 MIN Originally written by Kirstin Hawthorne from Munson Law Firm based on the...
Important Birthdays Over 50
READ TIME: 5 MIN Most children stop being “and-a-half” somewhere around age 12. Kids add...
New Retirement Contribution Limits for 2025
READ TIME: 5 MIN The new year is a great time reassess your retirement goals to ensure you...
Creating a Financial Strategy for Your Child with Special Needs
READ TIME: 5 MIN Every family is different, which means that each of us must create...
Year-End Gift Strategies: Meaningful Ways to Support Charities and Family Members
READ TIME: 5 MIN As the year comes to a close, many of us reflect on what we’ve...
Gifting, Legacy, and Trust: Using the Holidays to Build a Meaningful Future
READ TIME: 5 MIN The holiday season is a time of warmth, family, and giving. While many people...
Budgeting Tips and Tricks: A Financial Advisor’s Guide to Managing Your Money
READ TIME: 5 MIN Effective budgeting is the cornerstone of financial health. It’s not just about...
Protecting Your Financial Future: The Importance of Cyber Security Practices
READ TIME: 7 MIN In today’s digital age, the convenience of managing your finances online...
Enhancing Independence: Assistive Technologies for Adults with Disabilities
READ TIME: 7 MIN Living independently is a goal that many adults with cognitive and...
Disability Awareness: Do You Have Coverage in the Case of an Accident?
READ TIME: 5 MIN Accidents can happen to anyone at any time, and the consequences can be...
Navigating IEPs and Back-to-School: Essential Tips for Parents of Children with Disabilities
READ TIME: 5 MIN As the new school year approaches, parents of children with disabilities...
The Importance of a Will: More Than Just a Document
READ TIME: 4 MIN August is National Make a Will Month, an important reminder of the necessity of...
Housing for Adults with Developmental Disabilities
READ TIME: 7 MIN There are many things to take into consideration when looking at housing...
It’s Time for a Mid-Year Review
READ TIME: 3 MIN With the first half of the year in the rearview mirror, summertime is a...
Making Sense of Medicare Supplements and Advantage Plans
READ TIME: 5 MIN Navigating the intricacies of Medicare can be challenging, especially when...
The 401 K Rules, Regulations, and Options
READ TIME: 9 MIN What’s better than knowing you’re doing a good job saving for retirement?...
Ensuring Business Legacy: The Importance of Continuity and Succession Planning for Small Business Owners
READ TIME: 7 MIN Small businesses are the backbone of economies worldwide, contributing...
The Family Love Letter*: Planning to Protect and Preserve Your Family
READ TIME: 3 MIN Most of us have spent the majority of our adult lives focusing on providing for...
The Intricacies of Virginia’s Medicaid Waiver Programs
READ TIME: 8 MIN The Medicaid Waiver program throughout the United States is incredibly...
Is Tax-Loss Harvesting a Good Idea?
READ TIME: 3 MIN What is Tax-Loss Harvesting? Tax-loss harvesting means taking capital...
Long-Term Care Insurance (LTC) is a Critical But often Overlooked Component of Retirement Planning and Can Have a Devastating Impact on the Healthier Spouse
READ TIME: 5 MIN Seven in ten people over age 65 can expect to need extended care services...
SECURE Act 2.0: How Will It Impact You?
READ TIME: 5 MIN Most Americans have an ongoing fear of living beyond the money they’ve...
Free Application for Federal Student Aid (FAFSA) Changes
READ TIME: 3 MIN Fall is here and schools are in session! Many of you may already have...
How To Effectively Use Life Insurance in Business
READ TIME: 5 MIN National Life Insurance Awareness Month is just a few weeks away and this is a...
Celebrating Disability Pride!
READ TIME: 5 MIN If you are familiar with me or have browsed my website, which I encourage...
Are Annuities “Bad”?
READ TIME: 8 MIN Annuities have garnered fans and critics over the years and often are the...
Behavioral Finance: What is your Relationship with Money?
READ TIME: 5 MIN When we talk about relationships, we are often referring to how we interact with...
Your Child’s Financial Education
READ TIME: 8 MIN What if I told you that the most valuable legacy you can pass on to your kids...
New Retirement Contribution Limits for 2023
READ TIME: 3 MIN The Internal Revenue Service (IRS) has released new limits for certain...
Understanding Roth IRAs
READ TIME: 4 MIN Wouldn't it be nice to pay less income tax in retirement? One way is with a...
401 K Rollovers & Options
READ TIME: 4 MIN When you change jobs, it’s critical to remember to create a plan for past...
The Nuts and Bolts of Special Needs Trust Administration
READ TIME: 10 MIN As many of you already know not only am I a Financial Advisor and a Chartered...
Panic Selling Is Not An Investment Strategy
READ TIME: 3 MIN Panic selling is not an investment strategy. I repeat: panic selling is not an...
Turning 18 with Special Needs (Part 2)
READ TIME: 5 MIN Last month I talked about things you need to consider when your child turns...
Your Child Is Considered An Adult. Now What? (part 1)
READ TIME: 3 MIN As you may know from my social media and blogs, I have a freshman in college...
September is National Life Insurance Awareness Month
READ TIME: 3 MIN Life doesn’t stand still. Neither do your life insurance needs. If you already...
Is It Time for a Retirement Savings “Checkup”?
READ TIME: 3 MIN Retirement planning hasn’t changed all that much over the years. You work, you...
Weathering Inflation and Economic Uncertainty
READ TIME: 3 MIN With half the year behind us, now is a great time to consider what the remainder...
Long Term Care Insurance – It’s Not Just For The Elderly
READ TIME: 3 MIN Long-term care is coverage you need for chronic illness that will likely not...
Start Planning for Next Year’s Tax Return Now!
READ TIME: 4 MIN I know you just filed your tax return and the last thing you want to think about...
Investing In Our Future
READ TIME: 5 MIN April 22 is Earth Day; a day about awareness and appreciation of our planet, its...
What is an ABLE Account and Do I Need One?
READ TIME: 4 MIN You may have heard of an ABLE account but what exactly is it? ABLE stands for...
Why Estate Planning is Important
WHY ESTATE PLANNING IS IMPORTANT READ TIME: 4 MIN Estate planning can be one of the most...
It is Financial Aid Time
COLLEGE PLANNING READ TIME: 4 MIN As you may know, my oldest is in his senior year of high...
Planning for the Unexpected for Special Needs Families
SPECIAL NEEDS FAMILIES READ TIME: 4 MIN So, when I am asked to describe myself the first word...
Understanding Long-Term Care
INSURANCE READ TIME: 3 MIN Addressing the potential threat of long-term care expenses may be one...
Medicare & You
MEDICARE READ TIME: 5 MIN Breaking Down the Parts of Medicare Does this really need to be so...
The value of an advisor: Why we believe it’s higher than ever
April 22, 2021 | by Brad Jung* Russell Investments* has always focused on the value of...
Special Needs Parents: Taking Care of Yourself So You Can Take Care of Your Child, Applies to Finances As Well!
SPECIAL NEEDS READ TIME: 2 MIN When we are boarding an airplane, we have all heard the flight...
A Bucket Plan to Go with Your Bucket List
RETIREMENT READ TIME: 2 MIN John and Mary are nearing retirement and they have a lot of items on...
How to Make the Tax Code Work for You
TAX READ TIME: 4 MIN By April 19, 2019, 137 million taxpayers had dutifully filed their federal...
Lesser Known Provisions of the SECURE Act
RETIREMENT READ TIME: 4 MIN The SECURE Act was passed into law in late 2019 and changed several...
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cortney@cloverleafwealth.com
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