In the Know

The Name is Bond, I-bond

Over the last few months, personal finance news has been encouraging readers to purchase I-bonds. Much like a certain British spy they can be really attractive, but are not without some risk. So, what is an I-bond? I-bonds, or more...

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Can One-Size Fit All in Company Retirement Plans?

Workplace retirement plans play a leading role in helping Americans reach retirement goals. But you don’t have to look far to find reports on the “retirement savings gap.”  In fact, to close the gap, legislation is being discussed requiring employers...

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Has Covid Improved Employee Relations?

In a National Association of Plan Advisors (NAPA) study 85% of employers offering a financial wellness program do so to “enhance the overall employee experience” according to Alight…Yawn! While we agree financial wellness programs do enhance the overall employee experience,...

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Broken Lock on Motherboard

5 Steps to Protect Yourself After a Data Breach

Imagine returning from a weeklong vacation to find your house unlocked.  If you’re like me, your first thought would be, “oh no, did someone enter and steal anything?” Unfortunately, we do not get the same visual “cues” when our financial...

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Cryptocurrencies

Bitcoin and Related Cryptocurrencies

  By  Erik W. Laymon, MBA Originally Published: 12/20/2017 Updated: 2/24/2021   Definition of Bitcoin Bitcoin is a digital currency that is sometimes referred to as digital gold. Indeed, it shares many features of gold, which is partially why Bitcoin...

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Stay The Course

So, what’s our game plan?

The stock market has always recovered from every crash, no matter how bad the bear market or recession actually was.  Even though the stock market recently dropped -39.4% in just 24 days, it is our belief that this year’s “COVID...

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DIversification

Yet Another Reason To Diversify

Almost everybody is familiar with the business cycle.  Our economy expands and contracts.  Before many contractions, the yield curve inverts, which basically means investors are accepting lower investment returns over the long term, due to economic concerns over the short...

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Do NOT Follow Your Passion…

But bring it with you everywhere you go. This is the message in a favorite Mike Rowe "The Dirty Truth video. I love my work at Align. I love helping people use money wisely and overcome fears about investing. But...

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Why Does Align Support MFG DAY?

In 2017, we stumbled across a national event called MFG DAY. Through student visits and community events, MFG DAY aims to prove that modern manufacturing is not the dark, dirty and dangerous industry of yesteryear. Rather, modern manufacturing careers are...

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401k Rebates

Don’t miss out on your 401k Fund Rebates!

Rebates, coupons, cash back offers… it’s hard to keep track of what the REAL cost of anything is these days.From shoes to cars to 401ks, taking advantage of potential cost savings can be a full time job. This is exactly...

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