Articles

Robo-Advisors vs Real-Life Wealth Advisors: How to Choose?

By Bruce Smith | May 01, 2019

At Premier Financial Group, we understand that investors have many choices when it comes to selecting the right financial advisor for their needs. In recent years, the choices available to investors have increased with the advent of the so-called robo-advisors. 

Just as the travel industry has changed -- thanks to the proliferation of do-it-yourself online booking sites -- and traditional bank teller duties have been taken over by automated tellers, the financial services industry is changing, as well. Robo-advisors, or investment firms that offer

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Should Speculating be Part of Your Strategic Financial Plan?

By Bruce Smith | April 18, 2019

To invest or speculate - that is the question.

Though the two terms may sound alike on the surface, they're actually two quite different things -- and, in our opinion, one should not be part of your strategic financial plan. 

Investing vs. Speculating: Viable Wealth Strategies?

The difference between speculation and strategic investing can be night and day.  The way Premier approaches portfolio management, investing is a long-term

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Easy 401(k) Rollover in 4 Simple Steps

By Jeremy Sorci | April 03, 2019

Want to roll over your 401(k), but you're just not sure where to start?

You're not alone; our retirement plan advisors field questions about 401(k) rollover options on a regular basis. And while the process may seem overwhelming, it can actually be quite simple: If you follow these four easy steps. 

1. 401k Advisors Help You Decipher Your Current Plan

Before you start the 401(k) rollover process, meet with your 401(k) advisor to discuss your options. Bring your current plan's most

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How Often Should I Meet With My Financial Advisor?

By Bruce Smith | March 21, 2019

Ever wonder exactly how often you should be meeting with your financial advisor? If so, you're not alone; we're often asked if there's a standard time frame that investors should adhere to. 

Though we always recommend -- at minimum -- an annual performance review, a few other circumstances necessitate a sit down with your wealth advisor.

Estate Planning Strategies: Schedule a Meeting

Estate planning is an essential component

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Why Mom Was Right About Retirement Planning

By Jeremy Sorci | March 07, 2019

When you think of the people you rely upon most to provide retirement planning advice, who comes to mind? Your trusted wealth advisor, of course. Perhaps your best friend or your work colleague.  Perhaps even your - mom?

While mom might not be first on your list, perhaps she should move up a few spaces. Imagine, for a second, that you're sitting around the table after dinner, enjoying a cup of late-night decaf, and discussing retirement planning with your mom... only your mom just happens to be Warren Buffet. 

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IRAs for Kids? Retirement Plan Advisors Explain

By Bruce Smith | February 20, 2019

IRAS: They're not just for adults anymore! While it's no secret that IRAs — individual retirement accounts — are a popular way to save money for retirement, many don't realize that these savings accounts can also be an effective investment tool for children and teens. As long as a child is earning income from a job, they can contribute to an IRA. 

There are two types of IRAs that investors can take advantage of for children. Read on to learn more about how to use IRAs to help young people start saving and investing. 

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401k Advisors Suggest 5 Questions to Ask

By Teresa Conley | February 07, 2019
How's your 401(k) doing? If you're like the majority of Americans, you've got access to an employer-sponsored 401(k) retirement plan, but you're not taking advantage of it. 

 

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Financial Literacy: Key to Successful Wealth Management

By Jeremy Sorci | January 23, 2019

We all get them... stacks of envelopes in the junk mail pile, all offering low-interest credit cards. Emails offering "amazing deals" and "once in a lifetime" chances to use a new credit card to pay off existing debt. This steady stream of offers of easy credit is having an impact.

According to the Center for Retirement Research at Boston College, Americans put an additional $52.4 billion dollars on their credit cards in 2015 alone, leading to an overall increase of $72 billion dollars of credit card debt. The numbers continue to rise. By the end of 2016, outstanding credit card debt reached a new high: over $1 trillion. It appears that our society's current trend away from cash and toward credit card purchases has taken hold. Today, online shopping reigns, making it ever easier to slide into overextended credit and debt. 

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401(k) Advisors Share the Retirement Basics

By Bruce Smith | January 10, 2019

What is a 401(k) and, more importantly, why should you care? Since this type of investment account first arrived on the retirement planning scene almost four decades ago, it's grown into the most used employer-sponsored retirement plan in the country. More than 52 million Americans have 401(k) accounts, together holding $4.8 trillion in assets as of 2016, according to research from the Investment Company Institute.  

These flexible plans can make saving for retirement easier. Read on to learn what our 401(k) advisors think everyone should know about 401(k) plans. 

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Social Security & High Net Worth Investors: Wealth Management Solutions

By Bruce Smith | January 04, 2019

Our wealth advisors often answer questions about Social Security and how it fits into a comprehensive wealth management strategy, especially for those in higher tax brackets. Even if the bulk of your income comes from other sources in retirement, Social Security can help make your retirement more comfortable and help you grow assets to leave to your beneficiaries.  

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