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So far info@northlightfinancialservices.com has created 310 blog entries.

Why Are We Saving More and Spending Less?

Why Are We Saving More and Spending Less? Have our memories of the Great Recession altered our habits?  Consumer spending accounts for more than two-thirds of economic activity in the United States. Lately, that spending has moderated. Across the 12 month sending in March, personal spending advanced 3.4%. That matched the gain seen in 2015.1,2  Is a 3.4% annualized gain in personal spending adequate? Not in historical terms. During 2014, consumer spending accelerated 4.2%. The average monthly gain in consumer [...]

By |2017-03-28T08:17:15-04:00June 9th, 2016|Financial Fitness, Saving & Budgeting, Savings and Investing|Comments Off on Why Are We Saving More and Spending Less?
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How Millennials Can Get a Good Start on Retirement Planning

How Millennials Can Get a Good Start on Retirement Planning Some simple steps may make a major financial difference over time. If you are younger than 35, saving for retirement may not feel like a priority. After all, retirement may be 30 years away; if your employer does not sponsor a retirement plan, there may be less incentive for you to start. Even so, you must save and invest for retirement as soon as you can. Time is your greatest [...]

By |2017-03-28T08:17:15-04:00May 26th, 2016|401(k)/403(b), Financial Fitness, Savings and Investing|Comments Off on How Millennials Can Get a Good Start on Retirement Planning
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Tell Your Beneficiaries About Your Accounts and Policies

Tell Your Beneficiaries About Your Accounts and Policies Let them know how they will receive retirement assets and insurance benefits.  Will your heirs receive a fair share of your wealth? Will your invested assets go where you want them to when you die? If you have a proper will or estate plan in place, you will likely answer “yes” to both of those questions. The beneficiary forms you filled out years ago for your IRA, your workplace retirement plan, and [...]

By |2017-03-28T08:17:15-04:00May 12th, 2016|Estate Planning, Financial Fitness, Personal Finance|Comments Off on Tell Your Beneficiaries About Your Accounts and Policies
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Should You Plan to Retire on 80% of Your Income?

Should You Plan to Retire on 80% of Your Income? Examining a long-held retirement planning assumption.   A classic retirement planning rule states that you should retire on 80% of the income you earned in your last year of work. Is this old axiom still true, or does it need reconsidering? Some new research suggests that retirees may not need that much annual income to keep up their standard of living. The 80% rule is really just a guideline. It [...]

By |2017-03-28T08:17:15-04:00April 29th, 2016|Retirement, Saving & Budgeting|Comments Off on Should You Plan to Retire on 80% of Your Income?
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College Funding Options

College Funding Options You can plan to meet the costs through a variety of methods.  How can you cover your child’s future college costs? Saving early (and often) may be the key for most families. Here are some college savings vehicles to consider.  529 plans. Offered by states and some educational institutions, these plans let you save up to $14,000 per year for your child’s college costs without having to file an IRS gift tax return. A married couple can [...]

By |2017-03-28T08:17:16-04:00April 8th, 2016|College Savings, Personal Finance, Savings and Investing|Comments Off on College Funding Options
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Photo Credit

Thank you to Salmon Falls Photography in Plymouth for use of their lovely photo in our header!

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Disclaimer

Registered Representative, Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and North Light Financial Services are not affiliated. Cambridge does not offer tax advice. Office of Supervisory Jurisdiction: 46 Accord Park Drive / Norwell, MA 02061 Phone: 781-878-4063 Due to various state regulations and registration requirements concerning the dissemination of information regarding investment products and services, we are currently required to limit access of the following pages to individuals residing in states where we are currently registered: CA, FL, GA, HI, KY, IL, LA, MA, ME, NC, NE, NM, OR, RI, SC, TX, VT, WV. If we are not currently registered in your state please email us at info@northlightfinancialservices.com. We may be able to refer you to a representative in your area, or we may become registered in your state, at which time we could further discuss our services with you.

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