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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.
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Recent Posts

Living Comfortably: Tips from Retirement Investment Advisors

By Teresa Conley | February 26, 2017

One of the most common questions our clients ask our retirement plan advisors is, "How can I live comfortably during retirement?" We certainly understand why so many people ask this question a 2015 study shows that only 58% of Americans feel they're financially prepared for retirement. 

Fortunately, our retirement plan advisors have some effective tips and best practices that can help you plan and prepare for a comfortable retirement. 

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Ask a Retirement Plan Advisor: Avoid These 7 Retirement Mistakes

By Teresa Conley | January 15, 2017

We often speak with clients who are nervous about retirement; given the uncertain future of Social Security, increasing life expectancies, and unstable pensions, it's easy to see why many people are concerned.

A recent study by the Transamerica Center for Retirement Studies revealed some troubling statistics about the state of retirement readiness in the U.S. Only 39 percent of people surveyed felt that their nest egg was strong enough, and more than half of workers say they won't be able to retire at age 65. 

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4 Reasons Why the Best Wealth Management Strategies Aren't Active

By Teresa Conley | December 28, 2016

Our clients often ask us if active management is an effective financial strategy. We understand why many might be tempted to give it a shot (after all, Wall Street and the financial media promote active management relentlessly) but our answer is always the same – a resounding “No!”

Here are 4 reasons why active management wealth strategies fail.

1. Does Your Investment Manager Lack Commitment?

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5 Social Security Facts From Our Financial Advisors

By Teresa Conley | December 04, 2016


Got questions about Social Security? You're not alone. At Premier, our retirement planning advisors answer queries about this government benefit every day. We understand why investors have so many questions about SS; after all, it's a complex system. 

Teresa Conley is a CFP, Certified Financial Planner and a 401(k) Financial Advisor with Premier Financial Group in Eureka Humboldt CountyPlus, the decisions you make about Social Security -- especially when to start claiming your benefits -- have the potential to affect your retirement for the long term. Here are five facts about Social Security that retirement investment advisors wish everyone knew.

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Why You May Need More Investment Planning Guidance Than You Think

By Teresa Conley | October 23, 2016

Did you know that 86 percent of Americans that receive financial advice take actions they describe as positive, and two-thirds of those feel more confident about their finances?

Of course, we're not surprised by this -- after all, we're quite familiar with the many benefits offered by the services wealth advisors provide -- but unfortunately, a 2014 TIAA-CREF study of financial trends in the U.S. also found that 65 percent of the 1,000 adults surveyed aren't interested in financial advice. Whether these individuals don't know which investment professionals

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Let Your Wealth Advisor Help Improve Your Peace of Mind

By Teresa Conley | August 23, 2016

Market volatility got you down or have you feeling stressed? You're definitely not alone! Clients often bring us their worries about an unstable market -- and we always encourage them to share their concerns. 

After all, that's one of the many ways that wealth advisors add alpha, or value, to the wealth management process: By explaining the ins and outs of the market, your private wealth advisor also helps you maintain the discipline you need to stay the course, especially when a volatile market has got you spooked.

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Retirement Plan Advisors Address Your Retirement Worries

By Teresa Conley | August 17, 2016

Worried about retirement? You're not the only one; in fact, some of the most common questions our retirement plan advisors field are related to concerns and fears about retirement.

Some of the most common retirement worries include:

  • Fear of outspending retirement savings
  • Worries about not having enough money to retire
  • Concern about losing one or two employment paychecks
  • Anxiety about the cost of healthcare and long-term care
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Should Female Investors Seek Out Female Wealth Advisors?

By Teresa Conley | July 24, 2016

The other day, I was having coffee with a friend when the conversation turned to female investors. Should women seek out female wealth advisors? Does it make a difference?

While on initial contemplation, the question may seem silly or even archaic; after all, if someone suggested that male investors should work with male financial advisors, they'd likely encounter a derisive response or even be accused of sexism. Historically speaking, however, the fact remains that women have faced a distinct disadvantage -- and, in more recent years, a distinctly gendered experience -- when it comes to accessing and managing financial assets.

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Ask a Retirement Plan Advisor: Should I Use a Roth 401(k)?

By Teresa Conley | July 12, 2016

Clients often come to our retirement investment advisors with questions about Roth IRAs; how do they work? What are the differences between a Roth and a 401(k)? Which plan is best for my specific needs?

The good news is that you can take advantage of the Roth's "pre-paid" taxes feature now, so that you don't have to worry about paying taxes on that money -- or its investment gains -- in the future. This increases both your flexibility and your tax diversification in retirement. 

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Three Essential Estate Planning Strategies

By Teresa Conley | June 30, 2016

We understand -- few people enjoy estate planning. While it may not be top on anyone's list of fun activities, setting out your estate planning strategies before the inevitable takes place can increase your peace of mind, and help your spouse and family through the difficult transition when the time comes. 

Think of estate planning just as you do retirement planning: Necessary, if not extremely enjoyable. These three essential estate planning strategies will help you -- as well as your spouse and family -- prepare.

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