Decorative Tilda

A continuous source of valuable financial information

Over the years, through work experience and commitment to continuing education, our team members have accumulated a wealth of knowledge about financial planning and investment management. Our blog serves as one popular way we share all we have learned. We hope you find it useful and encourage you to contact us if you have any questions or comments about our thoughts.

How Much of Your Pre-Retirement Income Do You Need?
November 28, 2018

When it comes to budgeting what you think you may need to spend in your post-retirement life, some simple online searches suggest a simple figure that amounts to 85 percent of your income when you retire.
Read more »

Things to Know Before Selling Your Business
November 14, 2018

Much like starting a business, selling a business takes a lot of patience, most likely time, and can be full of unexpected hiccups.
Read more »

Pay off Debt or Save for the Future?
October 30, 2018

Let’s be honest, not everyone can pay off debt and save at the same time.
Read more »

Volatility has reappeared, but don't lose focus
October 28, 2018

Recently, the equity markets have experienced some notable fluctuations – a sharp contrast from the steady upward climb we saw in 2017.
Read more »

Working Mother Magazine: 2018 Top Wealth Advisor Moms
October 26, 2018

Working Mother Magazine recently named me one of the 2018 Top Wealth Advisor Moms.
Read more »

5 Financial Tips for Fall
October 16, 2018

Fall may not be the time of year you most equate with finances.
Read more »

Aspire: My Top Three Lessons for Successful Women
September 26-28, 2018

Of all the conferences that I attend, the Raymond James Women’s Symposium, held for the 24th time September 26-28, 2018 in Tampa, Florida, is by far my favorite.
Read more »

Digital Estate Planning
September 11, 2018

Where do you keep your most important documents? A safe? A filing cabinet? Perhaps a safety deposit box in your local bank?
Read more »

Supreme Court Nominee Brett Kavanaugh Has a Lot of Credit Card Debt, How You Can Learn from His Mistakes
August 28, 2018

Recent Supreme Court Nominee, Brett Kavanaugh, may be the next to sit on the most important court in America, but he is also like many others who will never have the chance.
Read more »

Kelly Mclean Rindock Only Lehigh Valley Representative Named to Forbes List of America's Top Next-Generation Wealth Advisors
August 1, 2018

Lehigh Valley, PA – Kelly McLean Rindock CFP®, CLTC, Vice President, Wealth Management, Branch Manager with The Steel Valley Investment Group of Raymond James & Associates in Center Valley, member New York Stock Exchange/SIPC, was recently named to the Forbes list of America’s Top Next-Generation Wealth Advisors, which recognizes advisors from national, regional and independent firms.
Read more »

Reasons to Balance Your Checkbook in a Technologically Advanced World
July 31, 2018

Advancing technology has made staying up to date with your bank, investments, and even Bitcoin accounts as easy as opening up your phone and putting in a password.
Read more »

Five Ways to Cut Back on Summer Spending
July 17, 2018

Summer is halfway over, but that doesn’t mean you still can’t save some money in the last few hot months by following a few tips and tricks.
Read more »

Trepidation Turned Optimism
July 3, 2018

Reflections from the Inaugural Raymond James 40 under 40 Conference, and how I was changed by it. in unforeseen ways.
Read more »

529 College Plans Change with New Tax Deal
June 12, 2018

For those looking to save for their child’s education, 529 plans have long been solid best.
Read more »

What to Look for When Choosing a Financial Advisor
May 29, 2018

In this era of a 24-hour news cycle, with media and information at your fingertips, the landscape in which we advise people on their finances has changed.
Read more »

5 Financial Tips for Starting Your Own Business
May 15, 2018

Entrepreneurship is seemingly more popular than ever. The proliferation of the internet and connectivity has allowed for smaller companies to compete for their own piece of the pie in a set of expanding markets.
Read more »

What To Do If You Win The Lottery
May 1, 2018

Powerball, Mega Millions, you’ve heard their winning prizes reaching close to half a billion dollars. Yes, that’s billion with a “b”! And, while winning the lottery seems like it would erase all of the problems...
Read more »

The Most Affordable U.S. Vacation Locations 2018
April 17, 2018

It’s always a good time to start planning for a vacation. Whether you’re looking for a nice private getaway for you and a loved one, or you’re planning that family trip that will be remembered for years, getting started on your planning can go a long way to making the best trip possible.
Read more »

What To Do If Your Employer Doesn’t Offer a Retirement Plan
March 28, 2018

Maybe you’re self-employed. Maybe your company doesn’t offer a retirement plan for some reason. In either event, you know that you should be saving, but you’re not sure where to start.
Read more »

Valentine’s Day; importance of primary and contingent beneficiaries
February 14, 2018

Valentine’s Day is probably most thought of as a romantic date night with your significant other over a candlelit dinner at the nicest spot in town.
Read more »

A Quick Look at the Public School Employees Retirement System
December 27, 2017

The Public School Employees’ Retirement System (PSERS) is an agency of the Commonwealth of Pennsylvania that administers the pension plan for Pennsylvania’s public school employees.
Read more »

An Update on Equifax
December 14, 2017

By this time, most of America is familiar with the Equifax breach that was disclosed on September 7, 2017 because 143 million were affected by the incident.
Read more »

How to Reduce Unsolicited Phone Calls and Texts
November 29, 2017

Is it just us or have spam phone calls increased in the last year or so? It seems like at least three to four times per week our cell phone rings and we look at it only to see the dreaded “unknown number”.
Read more »

With Wells Fargo and Kmart Job Losses in the Lehigh Valley, Some 401(k) and Job Offer Evaluation Suggestions
November 9, 2017

A Lehigh Valley Wells Fargo call center and Kmart were recently announced to be closing before the end of 2017, leaving hundreds of local residents scrambling for new jobs leading into the holiday season.
Read more »

New Fiscal Year Ushers in Change
October 19, 2017

October 1st marks the start of a new fiscal year at Raymond James, and our branch is excited to announce several changes.
Read more »

Think Twice Before Cashing Out Your 401(k)
October 11, 2017

Sometimes, life isn’t predictable. You expected to stay in your job forever, but were recently the victim of a downsizing. You know that you’re able to take an early withdrawal from your 401(k), and you’re not even that bothered by the fact that you’ll have to pay a penalty to do so.
Read more »

Fall Finance Tips to Clear Up the Clutter
September 6, 2017

Summer’s over. The kids are back in school. Backyard BBQs are at an end and work seems to be ramping up. It’s fall and while that means milder temperatures and Halloween costumes, it’s also a fantastic time to take a breath and get your finances in order.
Read more »

Grow Your Savings from $1 to $1,000?
August 14, 2017

For some, having a decent savings to pull from is a daydream. Sure, you’d love to be able to have a few thousand dollars in the bank, but you’re living paycheck to paycheck and the water heater just broke. Before you get to that point, here are a few tips that can help you start on the road to smart savings.
Read more »

Five Ways to Save on Back to School Shopping
July 26, 2017

Yes, believe it or not, it’s that time again. No, we’re not talking about heading off on vacation, or even sending your kids to summer camp. It’s time to take a serious look at ways you can save on back to school shopping to make sure your children are prepared to learn, but to also make sure you don’t break the bank.
Read more »

How to Evaluate a Job Offer
July 7, 2017

You worked seemingly endless hours on your resume to get it just right. You even had your friends proofread it. You never let your friends proofread anything.
Read more »

Will vs. Trust, Know the Difference
June 26, 2017

Unless you deal with them on a day to day basis, you may not be aware of the differences between a will and a trust and which may be the most beneficial to you, your family, and your needs.
Read more »

4 Thoughts on Becoming a Financial Caregiver for Your Parents
June 7, 2017

As parents age, the prospect of having to help them in their daily lives as a financial (or even full-time) caregiver becomes reality to many.
Read more »

How Much Money Do I Need for Retirement?
May 24, 2017

One of the first questions people ask when first thinking about retirement is, "Well, how much will I need to retire?"
Read more »

What is a "POA" and do I need one?
May 10, 2017

A power of attorney (POA) is a legal document in which the principal (you), designates another person (called the agent or attorney-in-fact) to act on your behalf to make all decisions, in specified matters or in all matters.
Read more »

4 Tips to Get Serious Finances in your 40s
April 26, 2017

Your 40s can be the highest earning years of your life and could also be the years in which your earnings peak.
Read more »

Who Should Have A Living Will?
April 12, 2017

Many people in their 20s and 30s don’t tend to think about end-of-life care. That isn’t necessarily a bad thing, or unexpected. However, you may want to take the time to see what a living will can offer you and your loved ones.
Read more »

Catch up contributions to your 401k with New Contribution Option
March 22, 2017

If you’re worried that you haven’t been saving enough for your retirement, you’re not alone. In fact, Congress recognized that there was a concern from many that baby boomers weren’t or hadn’t been saving enough for retirement.
Read more »

Who Needs a Will? Probably You
February 3, 2017

We often get asked by clients and friends if they need a will or not. The quick and easy answer is usually, “Yes,” with a few exceptions.
Read more »

5 Fantastic Financial New Year’s Resolutions for Couples
December 30, 2016

Typical New Year’s resolutions may revolve around getting to the gym, eating healthier, picking up a new hobby. And while these are all perfectly good resolutions to make, sometimes the most prudent resolutions might not be the most obvious.
Read more »

What Rising Interest Rates Could Mean to the Average Individual
December 14, 2016

In September 2016, the U.S. Federal Reserve decided not to raise interest rates, instead keeping the U.S. central bank’s target range for the federal funds rate at 0.25 to 0.5 percent.
Read more »

2016 Trustees Reports Project Social Security COLA, Medicare Premiums, and Long-Term Outlook
December 7, 2016

Every year, the Trustees of Social Security and Medicare trust funds release reports to Congress on the current financial condition and projected financial outlook of these programs.
Read more »

Trend of People Working Longer
November 30, 2016

If you plan on working past the age of 62 and also delay in claiming your Social Security, you’re not alone. More Americans than ever over the retirement age are in the workforce, and more than ever are also working full-time.
Read more »

How to Talk to Your Parents or Grandparents About Online Fraud
November 23, 2016

It can be difficult to tell your parents that they may not know as much as they think they do. However, in a world where it is increasingly easier for online scammers to get access to people’s money, it’s more important than ever that your parents and grandparents know exactly what they are up against when it comes to online safety.
Read more »

7 Facts About Medicare Open Enrollment
November 16, 2016

Do you or someone you know require assistance to apply for Medicare? Here are 7 helpful tips and facts about enrolling in Medicare.
Read more »

5 Financial Tips for Young Couples
November 9, 2016

Being a young couple can be stressful. When are you getting married? Are you going to have a baby? Are you moving into his or her place? How are we ever going to decide on a movie to watch on Netflix?
Read more »

Making Your Decision for the 2016 Presidential Election
October 31th, 2016

With the 2016 presidential election just over 1 week away, we are reminded daily and sometimes hourly about the decision looming in front of us.
Read more »

Steel Valley Raymond James Event on Cyber Security and Identity Theft Encourages Online Safety
October 11th, 2016

As technology becomes ever more involved in our daily lives, cyber security increases in importance and identity theft remains as present as ever.
Read more »

5 Ways to Save For College
September 19th, 2016

Your children are working hard on getting good grades, participating in extracurricular activities, and even volunteering within the community. However, those activities are just the beginning of getting into the college of their choice.
Read more »

Five Ways Brexit Could Affect the United States and the Lehigh Valley
July 19th, 2016

Brexit may have taken place a few weeks ago, however, the ripple effects and speculation about the future are still daily topics for many in the financial sector.
Read more »

5 Things to Consider Before Leaving an Inheritance
May 31st, 2016

Leaving behind an inheritance is a dream that many smart investors have. You’ve worked hard to build and protect your wealth, so it goes without saying that you should put the same amount of work and thought into what happens with it once you leave it behind.
Read more »

Five Ways to Go Broke
May 23th, 2016

While we’d much rather focus on giving out healthy financial tips, sometimes it’s beneficial to also take a look at some behaviors that may get you in trouble if you keep them up.
Read more »

Financial Milestones to Reach in Your 60s
April 25, 2016

Approaching retirement comes with many changes. One of the biggest come from the loss of a paycheck and needing to live off of your savings and investments. Read more »

Five Ways to Know if You’re Ready to Buy a House
April 11, 2016

Knowing whether you’re ready to buy a house or not isn’t as simple as checking your credit score. The decision to purchase a home is a huge financial responsibility that most don’t take lightly. Read more »

Five Signs it’s Time to Speak with a Financial Advisor
March 22, 2016

We’ve all been there. The sink sprung a leak. Water is going everywhere. Your trusty toolbox is within reach but, just as you think you know exactly what it’s going to take to get this under control, you quickly realize that you may, finally, be outmatched. Read more »

Six of the Biggest Risks to your Financial Success
March 14, 2016

Planning for your financial future can be much easier than most people think. However, there are a few common mistakes that people make which can put their financial success at risk. Read more »

4 Tips for Saving for the Future
February 29, 2016

Sometimes, the thought of saving for the future can be daunting. And while there are many ways to plan ahead, sometimes a few simple things can change the way you look at saving money. Read more »

Should You Take Social Security at 62 or Wait?
February 22, 2016

You’ve been paying into Social Security since you started working, so why not take the money and run once you reach the age of 62? Read more »

February Newsletter
February 15, 2016

Read more »

Why Waiting to Invest Doesn’t Pay
February 8, 2016

You may think that it’s only a good time to invest when you feel that you have a little bit of extra money to invest. That seems to make sense, however, every day you wait to invest may actually cost you in the end. Read more »

Five Reasons to Contribute to your Retirement Plan at Work
February 1, 2016

Contributing to you retirement plan at work should seem like a foregone conclusion. Unless you absolutely cannot contribute to a retirement plan, you should set aside as much as possible when planning for your future. Read more »

Annual Market Review 2015
January 25, 2016

Read more »

What To Do With Your 401(k) When You Change Jobs
January 18, 2016

Changing jobs can be an exciting, rewarding, and sometimes confusing time. Besides heading to a whole new environment, there are also some “house keeping” matters you will probably not think about right away. Read more »

Why Steel Valley Investment Group of Raymond James?
January 11, 2016

Selecting a financial advisor is a serious decision. It’s one that can be confusing and, you may be asking, “What’s the difference between financial planners, anyway?” Read more »

You Don’t Have to Be an Expert to Know a Few Financial Terms
January 4, 2016

Let’s be honest, not everyone is a financial whiz. And the fact that there are a multitude of financial terms doesn’t help. Don’t fear, though, at Steel Valley Investment Group of Raymond James we have a bit of a cheat sheet on our website to help you out. Read more »

These are the opinions of the author and not necessary those of Raymond James, and are subject to change without notice. Past performance is not a guarantee of future results. Information contained herein is believed to be from reliable sources but we do not guarantee their accuracy or completeness.

3773 Corporate Parkway, Suite 180    |    Center Valley, PA 18034    |    Phone: 610.709.9715    |    TF 866.729.8768    |    F 610.709.9725    |    Map and Directions
Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact our office for information and availability. © Raymond James & Associates, Inc., member New York Stock Exchange / SIPC | Privacy Policy

Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.