Author: Preston

Once you’ve picked your major medical health insurance and set your 401(k) contributions, there’s often one more section of your benefits package to consider: voluntary or supplemental insurance plans. These aren’t required, but they can offer targeted support that fits your life and risk profile. And since they’re offered through your employer, they’re usually more affordable than if you bought them on your own.  This type of insurance can be significant income protection as the…

It’s easy to fall into the trap of believing, “That won’t happen to me.” But here’s the truth: you’re far more likely to experience a serious illness or injury that prevents you from working, than to die unexpectedly before retirement. Think about this;  If you die, your obligations end.  If you are sick or seriously injured, not only do your obligations persist – you will likely encounter more financial obligations as a result of the…

Life insurance isn’t always top of mind when you’re starting a new job. But understanding whether you need it—and how much—is an essential part of building financial stability for those who depend on you. Let’s walk through the basics so you can make a clear and confident choice. What Is Life Insurance? Life insurance pays out a lump sum to your chosen beneficiary (like a spouse or child) if you pass away. It’s designed to…

Starting a new job often comes with a flood of paperwork, and the W-4 form is usually near the top of the pile. It might look like just another tax document—but the choices you make here can impact your finances all year long.   Starting about the time of the Super Bowl, you see a lot of ads for “maximum tax refund”.  In reality, the tax refund you receive is not determined by the tax preparer…