Teresa Conley

Teresa Conley is a Certified Financial Planner™ and is a senior financial advisor at Premier Financial Group. Teresa works with individuals and families in a wide range of retirement planning and financial planning areas in order to help her clients create a financial plan that reflects their retirement goals and tolerance for risk.
Find me on:

Recent Posts

Financial Planning Tools: Your Emergency Fund

By Teresa Conley | December 28, 2017

When it comes to building an emergency fund, one thing is clear: It's a necessity. In fact, the question isn't whether or not you should be setting aside funds for that proverbial rainy day, but rather how much you should be saving. 

Ideally, you've set up a separate savings account for your emergency funds. Keeping these savings in a separate account will create a psychological road block of sorts, in order to discourage you from spending the funds on nice-to-haves, like a cruise or a new couch, rather than costs associated with a true emergency.

Read More

Investment Planning Mistakes Financial Advisors Can Help You Avoid

By Teresa Conley | December 10, 2017

When it comes to investing, no one knows it all... and if someone says they do, they're exaggerating. While every investor makes mistakes every now and then, letting things slide too much — or sticking your head in the sand for too long — can have negative impact on your portfolio. 

Wealth management and the financial planning process are definitely not situations in which you want to remain blissfully ignorant. Savvy investors know the importance of always educating

Read More

4 Things Your Wealth Management Advisor Wants You to Know

By Teresa Conley | November 22, 2017

When you have questions about investment planning or wealth management, it makes sense to visit your trusted wealth advisor. After all, they have specialized education, experience and knowledge about financial matters — that's what makes them experts. 

That said, there are a few things every savvy investor should understand about financial management, even before visiting an investment professional.

Read More

The Rational Investor: Financial Strategies for Couples

By Teresa Conley | November 04, 2017

For many couples, finances serve as a source of disagreement... or even contention. 

In fact, a 2014 study of more than 1,000 married couples — all with household incomes above $50,000 — found that money matters took the top slot in the "source of contention" category, with 70 percent of respondents argue about finances; that' more than anything else, including distribution of chores, time spent together, even snoring! Money issues such as spending, debt, frivolous purchases, and savings are among the top issues couples tend to argue about. 

Read More

Family Wealth Management: 529 Plan Errors to Avoid

By Teresa Conley | October 05, 2017

Getting a secondary education is more important than ever — and more expensive than ever.  2013 research from the Economic Policy Institute indicates that workers who hold a four-year degree make, on average, 98 percent more per hour than workers who don't have a college degree. That translates into an average of $500,000 more in earnings over a lifetime.

But college isn't cheap; data from the College Board indicates that the average annual cost of tuition/fees and room/board

Read More

Retirement Plan Advisors Share 7 Retirement Tips

By Teresa Conley | August 06, 2017

Are you ready for retirement? If you're feeling insecure about your financial future in your golden years, you're definitely not alone. 

A 2015 study from the Employee Benefit Research Institute indicates that almost one-third of Americans have under $1,000 in retirement savings; more than 55 percent say they've got less than $25,000 socked away for their retirement. It's not difficult to see why planning for retirement can seem challenging; after all, it requires spending less in the present  in the hope of creating a more comfortable future... and that future is riddled with uncertainties.

Read More

Best Wealth Management Strategies: 20 Questions About Market Timing

By Teresa Conley | May 08, 2017

Often, we're asked why our wealth management advisors don't advocate financial strategies that involve attempts to beat the market. We don't mind answering this question; in fact, we like to talk about this issue. Why?

Because it gives us the chance to explain why the best wealth management strategies don't employ the techniques that some financial advisors and fund managers use to grab extra returns.

We feel that, for most investors, simply capturing market return is all you need to

Read More

Should Short Term Predictions Guide Your Wealth Strategies?

By Teresa Conley | April 08, 2017

At some point in the first quarter of any year, our wealth advisors often encounter questions regarding whether current investment conditions might indicate overall market performance for the rest of the year. 

The idea of the January effect, or the idea that market performance in the early part of a calendar year might set the tone for the rest of the year may be entrenched in a sense of conventional wisdom, but that doesn't mean it's accurate - and it certainly doesn't mean that investors should base their wealth strategies on the assumption that the rest of the year will follow the trend of early results.
Read More

Can an Investment Professional (Legally) Mess Up Your Retirement?

By Teresa Conley | March 15, 2017

Is your investment professional a fiduciary, legally bound to put their clients' needs and interests above their own?

At Premier, we believe that all investment management firms should offer advice that puts the client's interests first, rather than simply recommending financial products that are "suitable" -- and that end up making the investment professional a healthy commission. As a result, some investors may not be getting all they could from their retirement planning efforts. 

Read More

DIY vs. Wealth Advisors: A Costly Comparison?

By Teresa Conley | March 03, 2017

At Premier, our wealth advisors often field questions from clients who wonder about taking a DIY - a "Do It Yourself" - approach to investing. 

We certainly understand this impulse. After all, self-sufficiency and that "can-do" attitude are certainly ingrained into the American character, but there are some activities that simply aren't as DIY-friendly... and strategic wealth management is one of them.  

Read More