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Personal Finance

Lesser Known Provisions of the SECURE Act

Lesser Known Provisions of the SECURE Act What younger investors need to know. The SECURE Act passed into law in late 2019 and changed several aspects of retirement investing. These modifications included modifying the ability to stretch an Individual Retirement Account (IRA) and changing the age when IRA holders must start taking requirement minimum distributions to 72-years-old.1,2 While those provisions grabbed the headlines, several other smaller parts of the SECURE Act have caught the attention of individuals who are raising [...]

By |2020-04-12T15:13:21-04:00March 26th, 2020|Personal Finance|Comments Off on Lesser Known Provisions of the SECURE Act
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End-of-the-Year Money Moves

End-of-the-Year Money Moves Here are some things you might consider before saying goodbye to 2019.   What has changed for you in 2019? Did you start a new job or leave a job behind? Did you retire? Did you start a family? If notable changes occurred in your personal or professional life, then you will want to review your finances before this year ends and 2020 begins. Even if your 2019 has been relatively uneventful, the end of the year is [...]

By |2019-12-19T11:36:04-05:00December 19th, 2019|Personal Finance, Savings and Investing, Uncategorized|Comments Off on End-of-the-Year Money Moves
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Ways to Repair Your Credit Score

Ways to Repair Your Credit Score Steps to get your credit rating back toward 720.   We all know the value of a good credit score. We all try to maintain one. Sometimes, though, life throws us a financial curveball and that score declines. What steps can we take to repair it?  Reduce your credit utilization ratio. Your credit utilization ratio (CUR) is the percentage of a credit card’s debt limit you have used up. Simply stated, if you have a [...]

By |2019-12-04T11:13:32-05:00December 4th, 2019|Personal Finance|Comments Off on Ways to Repair Your Credit Score
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Cybersecurity

Cybersecurity Protecting yourself from potential calamity. Cybercrime affects both large corporations and private individuals. You’ve likely read about the large data breaches in the business world. These crimes are both expensive and on the rise. The U.S. Identity Theft Resource Center says that these corporate data breaches reached a peak of 1,632 in 2017. The response to the growing need for data protection has been swift and powerful; venture capitalists have invested $5.3 billion into cybersecurity firms.1 That’s good news for [...]

By |2019-11-21T14:07:08-05:00November 21st, 2019|Cybersecurity, Personal Finance|Comments Off on Cybersecurity
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Getting a Head Start on College Savings

Getting a Head Start on College Savings The hows and whys of college savings.   The American family with a child born today can expect to spend about $233,610 to raise that child to the age of 18. And if you’ve already traded that supercharged convertible dream for a minivan, you can expect your little one’s college education to cost as much as $198,000.1,2 But before you throw your hands up in the air and send junior out looking for a [...]

By |2019-08-09T09:55:56-04:00August 8th, 2019|College Savings, Personal Finance|Comments Off on Getting a Head Start on College Savings
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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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