Check out our most-viewed blogs from 2023. Topics focus on a variety of financial topics to help boost your financial confidence including financial and retirement planning, tax tips, investing insights and more.

1. Starting 2023 Off on the Right Financial Foot

The new year brings new limits for various benefits and gifting strategies, and tasks to think about to set yourself up for a more financially secure future. New limits covered include those that may impact your IRA, HSA, or 401(k) accounts. There is also a new gift tax exclusion limit, increasing the amount you can gift without paying the federal gift tax.

This blog includes a webinar. View now.

2. How to Retire Comfortably

Most retirement planners agree that you will need at least 70% to 85% of your current annual household income in retirement. To get there, it’s estimated we need eight to 10 times our ending salary to be financially secure by age 67. But how do you actually get there? View 10 steps to help you on your way to reaching your retirement goal.

3. SECURE 2.0 Act Paves the Way for Big Changes

The SECURE 2.0 Act of 2022 (“SECURE 2.0”) is full of provisions – 92, in fact – aimed at improving Americans’ preparedness for retirement. This article highlights key provisions of SECURE 2.0 which are likely to have the greatest impact for savers (plan participants) and retirement plans going forward.

4. 4 Retirement Rollover Options

You have worked hard saving for your retirement. But what happens if you change jobs or retire? There are many considerations in making this decision, but you have options. At Emerj360, we understand this can be an overwhelming time for you. We have highlighted the advantages and disadvantages of each option so that you can feel confident in your financial future.

5. 8 Key Life Events that Require Financial Guidance

Almost everyone stresses over the daily obligations of financial planning, but many also neglect planning for the significant life stages that require special attention and strategies. Here are 8 key life events that could benefit from professional financial guidance.

6. Active vs. Passive Investing: Which Is Best?

Investors and advisors alike have long debated the merits of active versus passive investing. Learn about advantages each option offers and potential drawbacks to consider in this blog. Read now.

7. 5 Mistakes for 401(k) Plan Participants to Avoid

If you have joined your company’s 401(k) plan, but are not that confident about saving and investing for such an important long-term goal, don’t worry. Even long-time plan participants can make errors. Read on to find out more about five of the most common mistakes that retirement plan participants make. Avoiding these mistakes can help put you on the road to a more secure retirement future.

8. Tips on Tax Planning

You may not think about taxes often, but they can prove to be a large expense. That’s why it’s important to make the most of any opportunities you may have to lower your tax liability. Here’s a look at some of the factors you may want to consider in your planning. Continue reading…

9. Fourth Friday’s Returns to La Crosse’s Riverside

Emerj360 continued to be the presenting sponsor of The La Crosse Chamber’s Fourth Fridays event series in Riverside Park in 2023. View the blog for a recap of the family-friendly community event.

10. Retirement Ready at Every Age: Key Considerations for All Ages

No financial plan is one-size-fits-all, but there are some important guidelines to follow that are beneficial in the process of retirement planning. Read this blog for retirement planning tips for each decade, beginning when you are age 25.

Stay tuned for new content published each week in 2024! Visit our “Resources” page to view blogs, videos and webinar recordings at your convenience.

Written By  Emerj360
What Are Non-Discretionary vs. Discretionary Expenses?
Brett Sebion, Financial Coach  – July 05, 2024
What’s a non-discretionary budget item? Your cable bill? A gym membership? Your mortgage? One of the biggest mistakes you can make when you draw up a budget is failing to separate the things you need from the things you want. Setting priorities is the first step in coming up with a spending plan. Recognizing which expenses are essential […]
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Roth vs Traditional Contributions
Heather Jordan  – June 26, 2024
What Are They? For years, individuals participating in a 401(k) could only contribute in a traditional fashion. It wasn’t until 2006 when many 401(k) plans adopted a Roth contribution feature. This was a game changer for many people and we will walk through those benefits. But first, let’s walk through the differences between Roth and […]
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Am I Saving Enough for Retirement?
Brett Sebion, Financial Coach  – June 21, 2024
“Am I saving enough for retirement?” is a question on the minds of many people. Unfortunately, for many individuals, the answer is, “No.” But, we are here as your best financial friend to help along the way. Believe it or not, the government offers tax benefits to retirement savers to encourage putting money aside for […]
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