Blog
At IFG, we offer more than just financial planning. We provide guidance to support you through life's changes. Taking time to understand your situation and creating a plan that fits you. Listening closely with honesty, compassion and clarity, we help you move forward at your own pace - one step at a time - toward financial confidence. Let's get started on that journey today.
Financial Wellness for Women
Life changes—like divorce, widowhood, retirement, or caring for family—can shift your financial world overnight. For many women, financial independence isn’t just about money, it’s about having choices, confidence, and peace of mind...
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Aging Parents?
Most women will serve as caregivers—more often than men. Seeing a parent’s health decline is never easy, and many women feel pulled to step in as full-time caregivers. But this choice can come with hidden costs,...
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Inspired Financial Guidance
At IFG, we stand for more than our name—Infinity Financial Group. For us, IFG also means Inspired Financial Guidance. It reflects our deeper mission: to offer honest, compassionate support to women navigating life’s many transitions....
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PARENTS: Your Teen Can Open a Roth IRA
Summer is around the corner! If your teen has a job—dog walker, babysitter, mowing lawns—they’re eligible to contribute to a Roth IRA. That’s right, they don’t need to be "grown-ups" to start a savings plan.
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Social Security Myths: What's True, What's Not?
Understanding how Social Security works is key to building a strong retirement plan. It’s just one part of the puzzle. Let’s talk about how to make it fit into your overall financial strategy.
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Helping Women Secure Their Financial Future
Women across all generations are taking steps to navigate financial challenges, but their priorities vary based on life stage. Gen Z women focus on reducing debt while also increasing retirement contributions and keeping savings ready...
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Are Subscriptions Cutting into Your Retirement Savings
Are Subscriptions Cutting into Your Retirement Savings? A solid strategy to maximize your retirement savings is to eliminate unnecessary expenses. Subscriptions are an expense that can also sneakily erode your retirement savings. What...
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Gift Giving Considerations for Tax Benefits
Make a difference that benefits both you and the causes important to you: use your RMD (Required Minimum Distribution) to make charitable donations. Your annual RMD withdrawals are taxed at the ordinary income tax rate, sometimes...
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Q4 Estimated Tax Payments
The need to make estimated tax payments for quarter four arises because the U.S. tax system operates on a "pay-as-you-go" basis. Taxpayers are required to pay income taxes as they earn or receive income throughout the year, rather than...
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5 Essential New Year Money Moves
The New Year is prime time to reflect on whether you've met your financial goals. Some examples include: repaying debt, saving for college, or building an emergency fund. Giving your finances a year-end checkup can help get you back on...
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Happy New Year!
May this year be the brightest, most adventurous and memorable one yet. Enjoy celebrating!
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Merry Christmas!
The IFG team wishes you and yours a wonderful Christmas!
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Align Your Values with Your Investments
What if you could grow your wealth while contributing to a better world? By investing in companies that embody your values, you can create a diversified portfolio that supports a future you can feel good about. Building a portfolio...
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529 Plan 101
Many parents today suffer from sticker shock when they learn what it costs to send their children to college. While the cost of college can be a hard pill to swallow, it’s never too early to get familiar with a 529 college savings...
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Explore the Potential of Charitable Trusts
Are you interested in a lasting impact on causes you care about while also unlocking potential tax benefits? Charitable trusts might be the solution. These powerful financial vehicles offer a unique means to align your philanthropic...
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Medicare Open Enrollment is Now!
Medicare Open enrollment has begun, and it's crucial to review your coverage. This year brings significant changes: Over 1.8 million members will need to choose new coverage Many will see higher drug deductibles Some insurance options...
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Ways to Engage and Give Back in Retirement
As you enter retirement, you may find yourself with more free time and a desire to make a meaningful impact. While your new financial situation might affect your ability to give monetarily, retirement opens up new possibilities for...
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Gift Giving Considerations for Tax Benefits
To give is better than to receive, unless you’re giving more than your fair share to Uncle Sam. As you prepare your holiday gift list, you may opt to give family and friends gifts with lasting value that also offer tax benefits...
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October is a Great Time to Review Your Financial Strategy
The end of the year is the perfect time to make a strategy or to review your existing strategy to ensure any major changes you may have experienced this year are reflected in your planning. Investment management isn’t a...
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Christmas Budgeting-Start Now!
The holidays will be here before you know it!! NOW is a good time to get a handle on what you will spend: Create a budget: Set spending limits for each category, like gifts, meals, and travel, to avoid overspending. Trim your list:...
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Take Steps Now to Head Off RMD Penalties
Retirees subject to required minimum distributions (RMDs) must take their RMD annually by the end of the calendar year to avoid a 50% penalty. However, taking an RMD may increase taxes or Medicare premiums. For retirees over 73 who do...
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Take Steps Now to Head Off RMD Penalties
Year-end is a critical time for retirees who are subject to required minimum distributions (RMDs) from their qualified retirement accounts. To avoid a hefty penalty of 50% of the amount that should have been withdrawn, your RMD must...
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Caring for Aging Parents?
Too often, families find themselves unprepared, leading to stress and uncertainty. By starting the conversation early—while your parents are still healthy—you can help avoid these challenges. Here are some ways to introduce this...
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Caring for Aging Parents
Too often, families find themselves unprepared, leading to stress and uncertainty. By starting the conversation early—while your parents are still healthy—you can help avoid these challenges. Here are some ways to introduce this...
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Medicare Re-Enrollment: Are You Ready?
With open enrollment fast approaching, there are a few questions you may want to ask yourself before you renew, add, drop, or switch coverage. Have you switched doctors, or is your doctor no longer accepting your current plan? Or maybe...
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Why you need a power of attorney for your adult children
Having a power of attorney for your adult child can provide invaluable peace of mind and practical benefits. It allows you to legally act on behalf of your child in financial, legal, and medical matters if they become incapacitated or...
Read MoreHow much will college cost?
It’s no secret that college tuition is on the rise. In fact, the U.S. Department of Education predicts that by 2030 that annual public tuition will be around $44,000, which means that a four-year degree will cost around $205,000. Your...
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Beneficiary Review
Conducting a beneficiary review is a crucial step in ensuring that your assets are distributed according to your wishes upon your death. Over time, personal circumstances such as marriages, divorces, births, deaths, and changes in...
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Income Tax vs Estate Tax
Income tax and estate tax are two distinct types of taxes that affect individuals and their financial planning. Income tax is a recurring tax imposed on your earnings from various sources such as wages, salaries, dividends, and...
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Estate Planning Checklist
Creating an estate planning checklist can help ensure that your estate is managed and distributed according to your wishes, minimizing potential legal challenges and tax burdens. Here are five key points to include in your estate...
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Life Insurance Review
Does your life insurance policy -meet your current needs -provide adequate coverage Here are five points to consider during your annual life insurance review: Coverage Amount: -Adequacy: Evaluate if the death benefit is sufficient to...
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Why Your College-Aged Childs NEEDS a POA
Without a POA, parents may not be able to help their Non-Minor children in times of crisis. Top five reasons you need one BEFORE they head to college: Healthcare Decisions: Most Important! Allows you to inquire and/or make medical...
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Hurricane Preparedness
Hurricane season is right around the corner. Are you prepared? A vital component of this preparation is a review of your current property & casualty insurance policy. Basic points to consider: What does your policy cover OR exclude?...
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Protecting a Child with Disabilities
As a parent of a special needs child, it’s vital to ensure your child will continue to be provided for after you’re gone. It is essential to determine a long-term strategy that is realistic and attainable. IFG is here to help. Consider...
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Financial Literacy Month - Budgeting Today for Wealth Tomorrow
Spend today, save tomorrow? We've all been there. But if it seems you're always living paycheck-to-paycheck and never able to save anything for the future, then it may be time to make a change . April is Financial Literacy Month. What...
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An Opportunity to Lead Your Family
If you find yourself simultaneously raising your own children while tending to your parents as they grow older, you’re not alone. Often aptly referred to as “the sandwich generation,” it’s at this unique stage...
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An Opportunity to Lead Your Family
If you find yourself simultaneously raising your own children while tending to your parents as they grow older, you’re not alone. Often aptly referred to as “the sandwich generation,” it’s at this unique stage...
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Building Wealth and Avoiding Taxes with a Roth IRA
As you are building your wealth and saving for retirement, a Roth IRA could be a tax-advantaged solution for you to invest your money and boost your retirement savings. Why? Money that goes into a Roth IRA is after-tax dollars. You can...
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What do your Taxes Pay For?
Taxes are one of the biggest budget items for most taxpayers, yet many have no idea what they’re getting for their money. The average household spends more on taxes than on groceries, clothing, or healthcare. In fact, 11% of our...
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Contribute to an HSA or FSA...or both?
Should you contribute to an HSA or an FSA, or both? Here are a few things to consider: HSA Eligibility: 1. you must be enrolled in an HSA-eligible health plan 2. you must not be enrolled in Medicare 3. ...
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IRA Deadlines Approaching
The deadline for making 2023 annual contributions to a traditional IRA, Roth IRA, and certain other retirement accounts is April 15, 2024.1 Some people may not realize when they can make their IRA...
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How Big Should Your Emergency Fund Be?
Having an emergency fund could save the day, but you may be questioning how much to save, when you should save more and how you should spend these funds. You're not alone in asking these questions! And we're here to help! Start with...
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5 Essential New Year Money Moves
The end of the year is prime time to reflect on whether you've met your financial goals. Some examples include repaying debt, saving for college, or building an emergency fund. Giving your finances a year-end checkup can help get you...
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BE More in 2024!
BE more in 2024! New Year's resolutions are typically not short on "doing" goals. Adding a few "being" goals makes for a good balance. Consider a few of the following: 1. Practice Empathy 2. Cultivate Gratitude 3. Learn Continuously 4....
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Last Minute Christmas Gifts
If you are a last minute Christmas shopper, here are a few gifts to consider adding to your gift list: 1. Subscription Services: Netflix, Hulu, Spotify, DisneyPlus 2. Meal Kit Delivery 3. Subscription Clubs for: ...
Read MorePlay it Safe! Shopping Tips
Many of us are still shopping for numerous gifts! Place your personal safety at the top of your list and remember to: 1. Choose well-lit parking areas 2. Park in high traffic areas 3. Use parking lots with security cameras 4....
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Safety Tips for the Holidays
Be Prepared! Consider these safety tips for during the Christmas Season: 1. Inspect decorations before use 2. Avoid overloading outlets and power strips. 3. Use battery-operated candles. 4. Turn off, unplug, and extinguish...
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Savvy Strategies for Holiday Shopping
Every holiday season we find ourselves in a panic trying to get shopping done last minute while watching the credit card balance skyrocket. If you could do it differently to save stress, time, and cash, would you shop earlier? Would...
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Money Mistake to Avoid
Whether you are currently in your late 20's or early 50's, it is never too early or too late to consider some common steps to help you save money, including opening up and contributing to a retirement savings plans. In addition,...
Read MoreAvoid Retirement Pitfalls!
Avoid Retirement Pitfalls! Navigating your 50s on the path to retirement requires smart financial choices. Don't underestimate the value of strategic savings. You can take charge by: --cutting costs --managing debt --considering an...
Read MoreYear End Tax Planning Tips
Everybody wants to save on their taxes. If you think tax-saving strategies are too complicated, you could be missing out on tax savings. There are a few simple tax-saving strategies available to nearly everyone. Tax planning is more...
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5 Essential Year-End Money Moves
The end of the year is prime time to reflect on whether you've met your financial goals. Some examples include repaying debt, saving for college, or building an emergency fund. Giving your finances a year-end checkup can help get you...
Read MoreWhat Medicare Covers—and What It Doesn’t
If you are sorting through the Medicare alphabet for yourself or for a love one, the process can be challenging. How do you get started and what do you need to know before you enroll? The first step is to visit the government’s...
Read MoreHelp with your Medicare Advantage plan
I’d like to tell you about a new value-added service I offer ... one that may prove useful to you, and your family and friends. *Are you looking to enroll in a Medicare Advantage or supplement plan during this year’s...
Read MoreIt's Time: Medicare Open Enrollment
If you or someone you love or care for is enrolled in Medicare, this email is a quick reminder that Medicare’s annual open enrollment period begins October 15 and ends December 7. During this time, current Medicare beneficiaries...
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Your Quarterly Medicare Newsletter
Are you already planning for the end of the year? Where did the time go? In this edition, we’ll be looking into navigating Medicare for the first time, particularly if you are under the age of 65. Don’t forget Medicare...
Read MoreLife Insurance: Term or Permanent?
Determining the right type of life insurance for your family’s needs can be confusing and complex. Do you need term, permanent, or a combination of the two? Do you need whole, universal, or variable life?Term insurance is...
Read MoreManaging Finances During a Hardship
Difficult situations—like losing a partner, getting laid off, or having to close a business—are impossible to completely prepare for. Having a sound financial strategy can help you weather the storm and safeguard your...
Read MoreReviewing your Life Insurance
Life insurance is a complex topic. It often leaves many confused and concerned about what they should do with their existing policy.Reviewing your existing policy with an advisor at IFG will help determine whether or not your current...
Read MoreReviewing Your Health Coverage
Reviewing Your Health InsuranceLife and health insurance policies are a key part of your overall financial plan. It is important to review these policies each year to ensure that you have the coverage you need. If there are gaps, we...
Read MoreReviewing Your Insurance Policy
An annual review of your insurance policy is has many advantages. There are numerous life circumstances that make this review even more valuable. A few possible life changes that would suggest an insurance review include:1. Annual...
Read MoreAnnual Insurance Review
Our independence allows us to access a wide range of insurance products through many underwriters in accordance with our ‘client first’ philosophy. These range from traditional life, disability, and long-term...
Read MoreReassessing Your Financial Goals
The middle of the year is a good time to take stock of your financial situation and to reassess your fiscal goals. Taking a good look into your overall savings plan, wasteful spending, and debt can help you get your financial health in...
Read MoreIt's Time: Medicare Open Enrollment
If you or someone you love or care for is enrolled in Medicare, this email is a quick reminder that Medicare’s annual open enrollment period begins October 15 and ends December 7. During this time, current Medicare beneficiaries...
Read MoreWho Controls Your Finances?
Do you control your finances, or do your finances control you? If you’re like many people, today’s rapidly changing economic picture and frantic pace of everyday life prevent you from effectively working toward pursuing...
Read MoreConsiderations for When a Spouse Passes Away
When you lose a spouse, partner, or parent, the grief can be overwhelming and trying. In the midst of your grief, life still goes on. There are arrangements to be made, things to be taken care of – and in recognition of...
Read MoreItems to Consider When Your Children Become Independent
How will your own finances change as your children become independent. Where do parents draw the line with their children? What level of involvement and/or support should parents maintain with their children? What are some...
Read MoreIssues to Consider with your Employer-Provided Benefits
During August, we want to set you up for a successful benefit election period. Your employer-provided benefits are an important part of your financial plan, and we can maximize their effectiveness. Perhaps you…Want to make...
Read MoreCollege Savings 101
August is synonymous with heading back to school. For many, saving and setting aside funds for college tuition is overwhelming and daunting. Consider how to start saving now: https://www.savingforcollege...
Read MoreInvestment Review: Recap
Text Alignment: LeftCenterRightDuring August our plan is to continue to help you review your investments.Possibly you would like to: Review the risk you are taking with your investments and want to consider adjusting your...
Read MoreReviewing Your Investment Strategy: Checklist
Whether you are a novice or experience investor, it is critical for you to consider reviewing your investment portfolio as part of your financial planning process. Particularly during times of uncertainty and volatility, a...
Read MoreReviewing Your Investment Strategy
Reviewing Your Investment StrategyIt would be a lot easier if investing could simply be “set and forget,” but in reality, your investment strategy should shift over time and with changing life circumstances. Otherwise, you...
Read MoreEstate Management Checklist
ESTATE MANAGEMENT CHECKLISTHere are a few items to consider when reviewing your Estate Management Checklist:1. Do you have a will?A will enables you to specify who you want to inherit your property and other assets. A will also enables...
Read MoreWhat is the Difference Between a Trust and a Will
Estate planning is a complex process with many elements involved, some of which can be confusing. For instance, do you know the difference between a revocable trust and a will?A will is simply a personal statement of intent that...
Read MoreUpdating Your Beneficiary Designations
Protecting the people nearest and dearest to us is something we all want to do. It’s why we purchase health and life insurance, save diligently for retirement, and ensure important legal documents (like a will or trust) are in...
Read MoreCreating an Estate Plan
Creating an estate plan is an essential component of your financial life, but one that can lead to uncomfortable conversations. t forces us to discuss that none of us will live forever. And, it may reveal details about your...
Read MoreWhat to Do When Your Return Isn’t What You Expected
At the end of tax season, many Americans look forward to receiving their return. But what happens when your return isn’t what you expected—or if you don’t get one at all?If it’s more than you expected: An...
Read MoreWhat Issues Should I Consider When Reviewing My RMD?
What Issues Should You Consider When Reviewing Your RMD? RMDs (Required Minimum Distribution) are often an inconvenience. The timing, the amount, and tax consequences associated with RMDs might run the risk of throwing a...
Read MoreHave You Completed a Digital Will Yet?
Have you completed a Digital Will? It’s a good time to begin.What is at stake? If you or a loved one has a tragic life event and online accesses have not been shared/granted, then your surviving family member cannot...
Read MoreAs Someone Who is Working, What Issues Should I Consider When Reviewing My 2022 Tax Return?
As Someone Who is Working, What Issues Should I Consider When Reviewing My 2022 Tax Return?Discussing your current situation with your financial advisor is an important and informative exercise to ensure your understanding of your tax...
Read MoreA Retiree’s Checklist for Reviewing your 2022 Tax Return
A Retiree’s Checklist for Reviewing your 2022 Tax Return The 2022 Tax Return deadline is right around the corner. If you are newly retired, it is a good idea toconsider meeting with your financial advisor to discuss and...
Read MoreWhat is My Current Cash Flow?
What is My Current Cash Flow?Businesses generate a "sources and uses of cash" statement to evaluate their income and expenses and to check profitability. Similarly, a cash flow statement can help you evaluate your personal income and...
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MONEY MATTERS: Where is YOUR Cash?
Did you know.....there are several ways to get a higher interest rate on your cash savings right now?1. High Yield Savings Accounts: Shop around for high-yield savings accounts: Look for savings accounts that offer...
Read MoreWhat Issues Should I Consider When Reviewing My Tax Return?
During the months of March and April, we want to help you identify planning opportunities (and spot potential issues) with your tax returns.If we work together now, we can help identify…If there was a change in your finances last...
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MONEY MATTERS: Your Cash Flow Statement
Understanding your money MATTERS! Now is a good time to take a bird's eye view of your current cash flow to plan for the present and to prepare of the future.
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