NJN Financial Group

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Ever had that moment where everything in the financial picture looks “fine,” but it is still not clear what to do next?T...
04/02/2026

Ever had that moment where everything in the financial picture looks “fine,” but it is still not clear what to do next?

That is what Financial Literacy Month can be: moving from information to decisions.

A few ways it shows up in real life:

💡 Knowing which levers matter most: savings, taxes, and behavior during volatility.

💡 Streamlining overcomplexity, more accounts and products are not always better.

💡Treating retirement as a cash flow strategy, not just about investments.

💡 Preparing for healthcare and longevity costs with intention, not assumptions.

💡 Keeping estate documents, titling, and beneficiaries aligned, so everything works when it matters.

The payoff is clarity, fewer reactive decisions, and a strategy that stays coordinated as life changes.

Working with a financial professional can help translate knowledge into action across the full picture.

🎉 A warm birthday salute to Jenifer Busing! 🌟 May this year bring you insightful growth and success. Celebrate your jour...
04/02/2026

🎉 A warm birthday salute to Jenifer Busing! 🌟 May this year bring you insightful growth and success. Celebrate your journey today! 🎂

April Fools’ Day is for harmless pranks or little “gotchas.”Your finances are where small surprises can get expensive.So...
04/01/2026

April Fools’ Day is for harmless pranks or little “gotchas.”

Your finances are where small surprises can get expensive.

Some of the most common ones are:
👉 An old beneficiary form
👉 An account title that no longer matches your estate structure
👉 A cash buffer that is too thin
👉 Assumptions that have not been updated since life changed

The fix is rarely dramatic.

It is a quick review, a few updates, and a strategy that aligns with the goals and life you’re living now.

To clients and colleagues observing Passover, extending warm wishes for a meaningful holiday and a season of reflection ...
03/31/2026

To clients and colleagues observing Passover, extending warm wishes for a meaningful holiday and a season of reflection and togetherness. Chag Sameach!

🚗 Have you heard that you’ll be able to drive from Germany to Denmark? The Fehmarnbelt Tunnel, located under the Baltic...
03/27/2026

🚗 Have you heard that you’ll be able to drive from Germany to Denmark?

The Fehmarnbelt Tunnel, located under the Baltic Sea, will be the world's longest immersed tunnel, spanning 11 miles, and is being built from concrete sections that each weigh as much as 10 Eiffel Towers.

Here's what makes this project remarkable:
◾ Engineers are floating 73,000-ton prefabricated sections out to sea, then sinking them into a trench on the ocean floor with precision down to half an inch.
◾ The tunnel sits up to 130 feet underwater, designed with seals built to last 120 years.
◾ What's currently a 45-minute ferry becomes a 10-minute drive or 7-minute train ride.
◾ The journey from Copenhagen to Hamburg drops to 2.5 hours by train, fundamentally changing how Northern Europe is connected.
◾ A total of 89 massive sections will be laid end to end, carrying both road traffic and electrified rail lines.

For clients who love Scandinavia or have family across Europe, this reshapes what's accessible on a single trip.

Worth sharing as projects like this are reshaping how we travel and what’s doable!

Ever Googled someone and found their home address, phone number, and maybe even email sitting in plain sight?Identity pr...
03/26/2026

Ever Googled someone and found their home address, phone number, and maybe even email sitting in plain sight?

Identity protection is essential for helping to safeguard financial accounts and credit, which is why it matters. 🔒

If you’re interested, here are some tips to help you remove personal information from Google Search results.

🌐 Use “Results about you” to locate results with contact details, and set alerts for new matches.

🌐 Submit a removal request for personal contact info like home address, phone number, or email.

🌐 Provide the exact page URLs that contain the information. Google reviews each URL submitted.

This is a simple, high-impact privacy step. For additional protection, pair it with strong passwords, two-factor authentication, and regular credit monitoring. You can’t be too careful.

Pi Day is March 14.A good number to remember is 3.14, and a better concept to revisit is the power of compounding over t...
03/14/2026

Pi Day is March 14.

A good number to remember is 3.14, and a better concept to revisit is the power of compounding over time.

Small inputs, repeated consistently, tend to do the heavy lifting.

In personal finance, that often looks like:
➡️ Staying focused on your strategy through noise
➡️ Saving and rebalancing periodically
➡️ Keeping time horizon and risk aligned with your strategy

Working with a financial professional can help keep you focused, especially when life changes or markets become volatile.

Did you know that starting in 2026, if you're 50 or older with prior year wages over $150k, you must place catch-up cont...
03/13/2026

Did you know that starting in 2026, if you're 50 or older with prior year wages over $150k, you must place catch-up contributions to a Roth IRA account?

That’s a big change, and here are 5 things you need to know:

1️⃣ This applies to 401(k), 403(b), 457(b) plans.
2️⃣ When catch-up contributions are put into a Roth account, you pay taxes on that money today, but qualified withdrawals and earnings can be tax-free later if requirements are met.
3️⃣ The 2026 catch-up limit is $8,000 for 50+, and a “super catch-up” limit of $11,250 may apply for ages 60 to 63 if the plan allows.
4️⃣ Regular contributions can still be elected as traditional pre-tax or Roth when a plan offers both options, while catch-up contributions may be Roth-only for those who meet the wage threshold.
5️⃣ The threshold is based on wages from the year before, specifically prior year F**A wages, so 2025 wages determine 2026 treatment.

The change eliminates what used to be a choice. For people with higher taxable income approaching retirement, this affects the approach to contribution timing and broader Roth conversion strategies.

Let’s talk if you have questions about how this could impact you. Your tax, legal, or accounting professional may also have insights.

Remember, with most retirement accounts, once you reach age 73, you must begin taking required minimum distributions. Roth accounts are the exception. Withdrawal penalties may apply if you take the money before age 59½. Roth IRA distributions must meet a 5-year holding requirement and occur after the account holder reaches age 59½.

Tax legislation can be complex, but its impact is often concentrated in a handful of lines.The One Big Beautiful Bill Ac...
03/12/2026

Tax legislation can be complex, but its impact is often concentrated in a handful of lines.

The One Big Beautiful Bill Act highlights several changes that can impact household decisions in 2026, especially in high-tax states.

Key Facts to Know:

1️⃣ The State and Local Tax (SALT) cap: Increased to $40,000, begins to phase out above $500,000 of income, then reverts to $10,000 in 2030.
2️⃣ Standard Deduction: Made permanent and increased to $16,100 single and $32,200 joint, indexed for inflation after 2025.
3️⃣ Estate and Gifting: Lifetime exclusion increases to $15 million per person and $30 million for couples, indexed for inflation.
4️⃣ Charitable Giving: A permanent charitable deduction returns for non-itemizers, plus new limits and thresholds for itemizers, including a 0.5 percent Adjusted Gross Income floor and a cap for top bracket households.

When rules change, households that take a proactive approach and coordinate with their tax, legal, and accounting professionals may have a better understanding of how new rules affect them. 📌

When things feel unsettled around us, cash can sometimes feel like a sound alternative.For 2026, is it actually sound or...
03/10/2026

When things feel unsettled around us, cash can sometimes feel like a sound alternative.

For 2026, is it actually sound or just comfortable?

A December 2025 Yahoo Finance article named “Sitting on cash for 2026? Why experts say the ‘safe’ option could be your biggest risk” helps frame the tension: “Volatility is the price you pay for long-term returns in the market,” and the temptation is to manage that volatility by sitting on cash.

In personal finance conversations, “safe” can refer to two different things: attempting to manage market swings in the short term or protecting purchasing power and long-term goals over time.

There is rarely a one-size-fits-all answer.

The optimal cash position depends on a variety of factors, including spending needs, liquidity, time horizon, and the ability to stay disciplined when markets get noisy.

We work with clients to help align their cash needs with their overall strategy and goals, not the headlines. Let us know if you’d like to talk.

If retirement is on the calendar this year, Medicare enrollment timing is one detail that can create big headaches if mi...
03/09/2026

If retirement is on the calendar this year, Medicare enrollment timing is one detail that can create big headaches if missed.

5 key points to have on the radar in early March:

1️⃣ Medicare’s General Enrollment Period runs each year from January 1 through March 31.
2️⃣ It is designed for people who missed the initial enrollment window and need Part A and or Part B.
3️⃣ Enrollment during this period starts coverage the month after enrollment.
4️⃣ Part B late enrollment penalties can apply, calculated as 10 percent per full year delayed, and can last for life.
5️⃣ Timing can intersect with employer coverage decisions and Medigap enrollment windows, so coordination matters.

Health coverage choices are personal finance choices.

A quick check in March may help manage gaps, penalties, and stress later.

Address

8540 Executive Woods Drive Suite 100
Lincoln, NE
68512

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 3pm

Telephone

+14024177483

Website

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