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.

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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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?"
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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?
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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.
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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.
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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.
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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.
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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.
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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.
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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

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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

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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.

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