Retirement - Will you make it?

Retirement - Will you make it? Turn retirement ideas into reality.

It’s tax time, and there are a few changes you need to be aware of before you file your 2022 taxes. The IRS has warned t...
02/06/2023

It’s tax time, and there are a few changes you need to be aware of before you file your 2022 taxes.
The IRS has warned taxpayers they should expect smaller refunds due to pandemic relief measures that have been allowed to expire.
Don’t get caught off guard. Keep reading for 7 important IRS changes you need to know before you file your 2022 taxes.
Thank you,
Your 401(k) Maneuver Team

Here are 7 critical IRS changes to know before you file your 2022 taxes. Read more…

Social Security benefits in 2023 will see the highest increase in 40 years, but will it be enough to cover the real cost...
01/17/2023

Social Security benefits in 2023 will see the highest increase in 40 years, but will it be enough to cover the real cost of retirement?
To give you a better idea of the cost of retirement, we’re breaking down those factors for you.

Warmest regards,
Frederick Financial Group

Even with the 2023 Social Security increase, many people aren’t prepared for the true cost of retirement. Learn how retirement expenses add up and how you can save now.

401(k) loans are attractive because you don’t need to have good credit, you enjoy low interest rates, and you pay intere...
08/09/2021

401(k) loans are attractive because you don’t need to have good credit, you enjoy low interest rates, and you pay interest to yourself instead of a creditor.

Taking a 401(k) loan may make sense in some situations, but if you don’t know what you’re getting yourself into, it could cost you more than you bargained for.

Specifically, a 401(k) loan can impact the quality of your retirement, have negative tax consequences, and cost you money and opportunity.

Thank you,
Frederick Financial

A 401(k) loan can impact the quality of your retirement, have negative tax consequences, and cost you money and opportunity. Learn more.

While we all know the importance of preparing for a financial emergency, the truth is, most people are not prepared.Acco...
08/02/2021

While we all know the importance of preparing for a financial emergency, the truth is, most people are not prepared.

According to Bankrate’s Financial Security Index, “Just four in 10 U.S. adults (41 percent) would cover the cost of a $1,000 car repair or emergency room visit using savings.”¹

The issue is many financial emergencies cost more than $1,000. The same Bankrate survey reports, “Among respondents who reported that they or a close relative paid for a major unanticipated expense in the past year (28 percent), the average cost was $3,518.”²

While we can’t always control when a financial emergency occurs, we can take steps to prepare.
Prepare for whatever comes your way with these 5 simple steps.

Thank you,
Frederick Financial

2020 taught us the importance of preparing for a financial emergency. Use the following 5 steps to feel secure even when dealing with events out of your control.

4 in 7 Americans are financially illiterate, according to Walden University – and that’s a serious problem.¹ Financial l...
07/26/2021

4 in 7 Americans are financially illiterate, according to Walden University – and that’s a serious problem.¹ Financial literacy is understanding financial concepts, including but not limited to budgeting, saving, paying off debt, and investing.

Those who demonstrate financial literacy often find it easier to enjoy financial well-being. Not only do these individuals meet their financial obligations without feeling stressed, but they also feel confident about their financial future.

Keep reading for 11 ways to improve financial literacy…fast.

Call or email if you have any questions.
Frederick Financial
301-662-6126
[email protected]

Most Americans are financially illiterate and unable to manage their finances. If you struggle with managing money, here are 11 ways to improve financial literacy.

As if the virus that took down the world in 2020 wasn’t enough, digital viruses suddenly rose with cybersecurity risks a...
07/19/2021

As if the virus that took down the world in 2020 wasn’t enough, digital viruses suddenly rose with cybersecurity risks at an all-time high.

Cybersecurity risks are real. If you aren’t taking steps to protect your devices, you’re a sitting duck for cybercriminals.

Read on to learn more about cybersecurity risks and how to protect yourself.

Thank you,
Frederick Financial

Cybersecurity risks are at an all-time high. Cybercriminals are continually learning new ways to steal data, putting everyday citizens in real danger. Learn how to avoid these threats today.

Click the video to hear a short message on my take on the recent market volatility.Regards,Frederick Financial Group
05/13/2021

Click the video to hear a short message on my take on the recent market volatility.

Regards,
Frederick Financial Group

May 12, 2021 Market Volatility

Instead of gifting the hottest tech gadget that might make you everyone’s favorite parent, grandparent, or family friend...
05/03/2021

Instead of gifting the hottest tech gadget that might make you everyone’s favorite parent, grandparent, or family friend, consider these financial gift ideas for the graduate in your life.

Thank you,
Frederick Financial

Want to give something that will help the financial future of your kid or grandkid? Consider these 5 financial gift ideas for the graduate in your life.

Gas prices have recently gone up. And it won’t be long until other goods will start to rise in price. Between the econom...
04/26/2021

Gas prices have recently gone up. And it won’t be long until other goods will start to rise in price.
Between the economic effects of the pandemic and the stimulus packages, economic forecasts are all over the map.
Before we dive in, we want to make it very clear that we are not predicting economic uncertainty, and remain optimistic. However, we understand the importance of preparing for economic ups and downs because life will never go according to our plans – even the best-laid plans.
Keep reading for 15 steps to take today to prepare for economic uncertainty.
Thank you,
Frederick Financial

It is easy to panic when the economy seems volatile. Instead, follow these 15 steps to prepare for economic uncertainty to feel empowered financially every day.

If you have income left over after paying taxes, it’s important to avoid common disposable income mistakes.However, ther...
04/19/2021

If you have income left over after paying taxes, it’s important to avoid common disposable income mistakes.

However, there is a big difference between disposable income and discretionary income.

Disposable income is your personal income minus your current personal taxes.

However, it is not disposable income that determines one’s lifestyle. Instead, it is discretionary income.

Don’t squander your discretionary income. Instead, avoid these 7 common disposable income mistakes.
Thank you,
Frederick Financial

Whether you have earned a raise, become an empty-nester, or paid off your mortgage, review the common disposable income mistakes, so you don’t become a victim yourself.

It’s not uncommon for investors to change jobs and not know what to do with their 401(k) accounts, so they do nothing an...
04/12/2021

It’s not uncommon for investors to change jobs and not know what to do with their 401(k) accounts, so they do nothing and leave it behind.

Often, 401(k)s are left behind with old employers due to the misconception that the old employer is taking care of it for the former employee.

This is not true. It’s up to you to manage your 401(k). It’s your account and your money.

Leaving your 401(k) account behind with an old employer may be costing you more retirement income and potentially preventing you from reaching your retirement goals.

Thank you,
Frederick Financial

Leaving your 401(k) account behind with an old employer may be costing you more retirement income and potentially preventing you from reaching your retirement goals. Read more...

From funding your retirement accounts to making sure you’re on track to meet your 2021 financial goals, there’s a lot yo...
04/09/2021

From funding your retirement accounts to making sure you’re on track to meet your 2021 financial goals, there’s a lot you can do in the second quarter to stay on course.

Here are our top 10 financial tips for the second quarter.

Thank you,
Frederick Financial

Implement these 10 financial tips for second quarter to stay on track to meet your 2021 financial goals.

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