Scott Ferrin - Wealth Strategies

01/19/2026

If you get disability insurance through your employer and you are in a position that relies on commissions or bonuses you should probably double check the language and extent of that disability policy. Group policies typically have a max benefit of no more than 60% of your base salary. Also, most group policies will not pay in the event of a partial disability, or won't pay for very long should you be able to do some other type of work.

It is important to consider what benefits you have available through your work and then look at filling in some of the gaps with your own policy. A policy that you can take with you, increase when you need to (without additional underwriting), and will help you get close to your net income in the event of a whole or partial disability, is a policy that can keep your financial goals on track whether you are temporarily or permanently disabled.

I am happy to do a free review or your current benefits and make sure that you have a clear understanding of what would and wouldn't be covered. Then, if needed, fill the gaps. Just message me and we can get started.

11/24/2025

Children with special needs may need ongoing help after their parents are gone.

Planning for a child with special needs can be complicated, confusing, and even overwhelming.

11/21/2025

Creating a home inventory can help you fully recover any property losses you incur. Include these four things.

Creating an inventory of your possessions can save you time, money and aggravation in the event you someday suffer losses.

11/19/2025

What is financial confidence? Learn more about how your financial confidence is linked to your overall emotional confidence.

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed an...

11/17/2025

Millennials are at a busy phase in life, growing their careers and potentially growing their families as well. But it’s important they don’t forget to take some time to inventory their finances and help ensure they’re on the right track to balance to

Learn how the decisions you make today can help you reach your financial goals

11/14/2025

A special message to you — from Guardian’s Chairman & CEO, Andrew McMahon, on the 2024 Guardian Annual Report.

A special message to you — from Guardian’s Chairman & CEO, Andrew McMahon, on the 2024 Guardian Annual Report

11/12/2025

Financial stress isn’t reserved for minimum wage workers. Almost 7 in 10 people earning at least \$100,000 per year say financial stress is so bad, it’s affecting their work. Try these hacks to help ease money worries.

Financial stress is not limited to those living below the poverty line. It's a real issue for many.

11/10/2025

Are you using strategies that either no longer fit, or do not yet fit?

Yesterday, my 5 year old decided that he wanted to ride his old balance bike, which is now used by his 2 year old brother, even though is has his own fully functioning bike that is his size.

As he rode that balance bike, dragging his toes along the concrete to move them back to the front and with his knees touching his chest, in addition to looking a little funny, he was wobbling all over the place and constantly looked like he would fall.

I felt more worry watching him on this tiny bike than I have felt watching him ride his bike since he got that down.

While this was happening, his brother, being deprived of his own bike, decided that he would try to use the bigger one that had been abandoned. He simply could not lift it up, and even if he had the strength to do so, would not have been able to get on the seat. It was simply too big.

The main issue here, obviously, is that they were each trying to use a bike that did not fit. One one hand, it was a bike that used to fit perfectly. On the other, a bike that will fit in the future.

While watching this unfold, I thought about how there are many different tools and strategies to bring financial balance into our lives, and there are more opinions and philosophies out there saying what to do. It is our job to find that ones that fit our goals and lives and that that fit is either maintained or the strategy adjusted.

11/10/2025

You work hard for your money, but when your paycheck comes you may notice that you don’t get to keep it all. Why does your take-home pay shrink? And what do all those deductions mean? Here’s a brief guide

Here’s a brief guide to the common deductions and withholdings you see each payday

11/07/2025

The Consumer Price Index has shown low inflation since '09. Are your prices rising faster?

This calculator shows how inflation over the years has impacted purchasing power.

11/05/2025

All those years of work can add up to a small fortune. What's your strategy for your money?

Estimate how much you have the potential to earn during your working years.

11/03/2025

The financial world has its own shorthand that can feel like alphabet soup. This guide helps explain common acronyms so you can be better equipped to navigate financial decisions.

The more financial terms you understand, the easier it can be to make smart financial decisions.