By GENTI CICI
, Apr 16, 2021
Many ask us about the 401K or ROTH IRA options, so let’s clarify and give you the quick and not so quick answer. First, a 401K is a retirement account that is sponsored by your employer, you can only…
By ENDRIT LLOSHI
, Apr 14, 2021
Before I started working in with industry, the words goal and financial education never rang all that important for me. Why do we need them? I thought all that was important was to invest just to…
By GENTI CICI
, Apr 14, 2021
With the elections just around the corner, many of you may be wondering about your money and your investments. We’ll hope to quench your thirst (if any) for this connection of money with politics.
By JOY WEEMS
, Apr 14, 2021
If you’ve met with InvestEd, there’s a 50 percent chance that you became a client and are on a successful track to financial well-being. For the rest that are not, we won’t fault you for it, *smile*…
By GENTI CICI
, Apr 14, 2021
I hear you thinking after reading the title: ‘But I’m already thinking more & more about money, especially now after the Pandemic, what else can I do more’. Great point, then please read below…
By GENTI CICI
, Apr 14, 2021
I’m a financial advisor, so you’d expect me to say ‘Always’ is a good time to meet and talk to a financial advisor. But actually, NO. Before you’d want to meet with an advisor to discuss your…
By ENDRIT LLOSHI
, Apr 14, 2021
Behind every decision that we make for our future, there is some kind of investment involved. Whether it’s buying a house that’s in an area with a good school for your existing or growing family, or…
By ALLISON PESCATORE
, Apr 14, 2021
Impactful Ways to Spend Your Tax Refund Receiving your tax refund can feel like a gift of cash, but in reality, it’s really just your own money being returned to you. If we consider our tax refund as…
By GENTI CICI
, Apr 14, 2021
To save or pay off debt is usually one of the many questions we get. Today we’ll try to decipher and give general recommendations on what to look for in order to make a wise decision on this…
By GEORGE PIKOUNIS
, Apr 14, 2021
If anyone can feel a recession coming, please let me know, that way I can preemptively move my investments to cash -- oh and don’t be wrong. Seems easy enough, right? Let’s talk about what a…
By GENTI CICI
, Apr 14, 2021
Currently, most of the world markets are in a bear market with more than a 20% drop from their highs. With the active measurements happening all over the world to diffuse the situation, such as…
By GENTI CICI
, Apr 14, 2021
As you’re all very aware, the global markets have sold off moderately over the last couple of weeks. While we don’t like to comment about short-term events, we believe this necessitates a reiteration…
By JOY WEEMS
, Apr 14, 2021
Another year, another set of resolutions. If you’re amongst the group of individuals who have placed getting your finances on track as one of your top priorities for the New Year, here’s a blog full…
By INVESTED
, Apr 14, 2021
This September marks another year in the books for the InvestEd crew. We will officially be in business for our fourth year on September 15th. Man how time flies, but what a time it has been. We are…
By ALLISON PESCATORE
, Apr 14, 2021
Four Lifestyle Changes:
By JOY WEEMS
, Apr 14, 2021
InvestEd is a Registered Investment Advisor that knows a lot about supporting people on their financial journey, no matter where they are on it. We disperse financial information freely, advise on…
By JOY WEEMS
, Apr 14, 2021
Are you a financial warrior? They are among us. The people who are all about checks and balances and simply making strides to attain new life goals and creating the financial situation to make it…
By MAGGIE INTERN
, Apr 14, 2021
During my time as a college student, I’ve come to learn more about my finances through the reality of having to manage my money. When you have the expense of books, food, maintaining a car and what’s…
By JOY WEEMS
, Apr 13, 2021
Last week we had the pleasure of hosting a wonderful event with a group of women with the purpose of getting people to visualize their goals by constructing flower crowns. The result was a room full…
By INVESTED
, Apr 13, 2021
The InvestEd team has the pleasure of having a new intern join us for the summer. Please meet Margaret "Maggie" Knies
By ALLISON PESCATORE
, Apr 13, 2021
You’re thinking about talking with a financial advisor. You feel like you’re at a financial crossroads and need some direction on next steps. Or, maybe, you’re ready to start investing in your…
By ENDRIT LLOSHI
, Apr 13, 2021
“I make six figures, but I don’t know where my money is going!” This was a snippet of a conversation that I was overhearing from two guys walking behind me on my way to lunch the other day. I’ve…
By JOY WEEMS
, Apr 13, 2021
According to a career builder survey, 78% of American workers are living paycheck to paycheck. That's over three-quarters of the working population seemingly not having anything left over after…
By JOY WEEMS
, Apr 13, 2021
For the best finances possible, you always want to have a conversation with an advisor. Like going to a doctor to improve your health, or a mechanic to get your vehicle to optimal performance,…
By ENDRIT LLOSHI
, Apr 13, 2021
We are known as an immediate gratification society and have a sense of urgency when it comes to things that we need or want, especially the wants! Sometimes, or perhaps, most of the time, these…
By ALLISON PESCATORE
, Apr 13, 2021
Your financial goals are within reach. You just need a plan to get there. Here are 5 steps to take for you to crush your financial goals!
By JOY WEEMS
, Apr 12, 2021
April is Financial Literacy Month. Some may even know it colloquially as FinLit month. This month presents a chance for those who feel that they need to bone up on their financial knowledge, to get…
By INVESTED
, Apr 12, 2021
It is with great pleasure that we introduce our next honoree for our #WomenCrushingItWednesday segment, Jasmine Norton. Speaking with Jasmine, she has a quiet reassured confidence and an inner light…
By INVESTED
, Apr 12, 2021
Keeping up with our Women Crushing It celebration for National Women’s History Month, we have our next honoree up, Kate Rowe. Kate Rowe thrives on making positive connections that help inspire people…
By JOY WEEMS
, Apr 12, 2021
In the month of March, we commemorate the historical contributions of women by celebrating National Women’s History Month. During this time, you might be graced with the names of dynamic women like…
By INVESTED
, Apr 12, 2021
It's National Women's History Month and to celebrate, we found it fitting to highlight one phenomenal woman each Wednesday of this month for our Women Crushing It Wednesday series. The four women…
By INVESTED
, Apr 12, 2021
InvestEd has the pleasure of bringing on a new intern for the spring and we are glad to introduce Bridgette Mauer to the team. Bridgette is a junior at Towson University currently majoring in…
By JOY WEEMS
, Apr 12, 2021
It’s Valentine’s Day! The day for acknowledging the loved ones in our life. Whether you’re showing it in a romantic relationship (what we most associate the holiday with), with your platonic friends…
By GEORGE PIKOUNIS
, Apr 12, 2021
We do an annual checkup with our bodies, our teeth, our cars, and our pets, but are you doing this for your finances? This is just as important as everything else listed, and often times, it can…
By INVESTED
, Apr 12, 2021
Sejin is the Marketing/Research Manager for our Korea Team at Wealthy and Wise. They help families overcome their complex financials and estate planning needs so that wealth will prevail through…
By GEORGE PIKOUNIS
, Apr 12, 2021
The season of giving is upon us, and if you’re like most people, you probably haven’t budgeted appropriately for this, even though you’ve told yourself this year would be different. This past July,…
By INVESTED
, Apr 12, 2021
When did you join the InvestEd Team and how has it been for you? I proudly joined InvestEd March 1st of this year as an advisor in training and have officially become InvestEd’s Jr. Advisor after…
By GEORGE PIKOUNIS
, Apr 12, 2021
While conducting client meetings recently, I have noticed increased interest in HSAs and I wanted to figure out why. Let me halt your worries by saying that HSAs aren’t a bad thing by any means, but…
By GENTI CICI
, Apr 12, 2021
Debt, debt, and more debt. Everywhere you turn, you see debt. Your parents had debt, whether it was house debt, car debt and/or credit card debt. You may have racked up a little credit card debt…
By JOY WEEMS
, Apr 11, 2021
If you know InvestEd, you know we are all about our client’s wellbeing. Not only do we advocate for financial health, but a part of our persona is stressing the importance of complete health and how…
By GENTI CICI
, Apr 11, 2021
Millions of people play the lottery every week with the hope that they may be the lucky winner. Statistics show that the chances of hitting the big jackpot are somewhere around 1 to 175,000,000. Just…
By GENTI CICI
, Apr 11, 2021
Just like you schedule your yearly physical to make sure your overall health is in good shape, you should make giving yourself a wealth health check-up a priority as well. It is important to check in…
By JOY WEEMS
, Apr 11, 2021
In our last blog, we looked at what makes savers tick and offered up some ways for them to create spend friendly lifestyle, that creates space for enjoying a little splurge here and there, but still…
By JOY WEEMS
, Apr 11, 2021
Everyone has their own relationship to money. We’ve developed our money-handling habits by looking at the ones around us as we grew up, either emulating their habits or using their experiences,…
By GENTI CICI
, Apr 11, 2021
According to American Psychological Association, more than 72% of Americans report having financial stress. That stress continues and at times even worsens during marriage or partnership due to…
By INVESTED
, Apr 11, 2021
It’s tax time again and we’re all gearing up to file our own taxes by the April 15th deadline. It can all feel a bit heavy to finally sit down and get them done, but all you need to do is prep…
By JOY WEEMS
, Apr 11, 2021
Growing up, the culture around tax time was to file your taxes and hope for a big refund. For years before I became a wage earner myself, I could overhear adults lamenting about bills to be paid, but…
By GENTI CICI
, Apr 11, 2021
On December 22, 2017 the highly contested Tax Cuts & Jobs Act became law. While it is hundreds of pages long, we’ve cut through the noise and summarized the main points of the new tax law that you…
By INVESTED
, Apr 11, 2021
It’s 2018 and if you’re like most people, you’ve made some resolutions to improve and make changes for the New Year. If you’re also like most people, you may fall into the pattern of not sticking to…
By INVESTED
, Apr 11, 2021
There’s nothing better than turning over a new leaf at the beginning of a new year. One of the best resolutions you can establish for yourself, besides physical health, is to work towards financial…
By INVESTED
, Apr 11, 2021
No. A stock’s price is based on the company’s value and future estimation of growth potential. However, in the stock market, individual stock may experience an average high and low price. Because…
By INVESTED
, Apr 11, 2021
The stock market is a fickle place. At its core, the prices have a great deal to do with how seller and buyer demands line up, but there are various factors that can impact the price of stock. Let’s…
By INVESTED
, Apr 11, 2021
The stock market dates back to the late 18th century, where a group of brokers met outside on Wall Street and agreed to only buy and sell to each other for a set commission. Today, it has since…
By PATRICK VOLK
, Apr 11, 2021
The holidays can often be a bit stressful with all of the pressures of visiting family and traveling, not to mention the financial strain of gift giving. A 2016 Experian holiday shopping survey found…
By INVESTED
, Apr 10, 2021
You can think of a bond as an IOU, with you being the one who is owed. The way bonds work is that you lend money to the government, a municipality or a corporation for an agreed length of time and…
By PATRICK VOLK
, Apr 10, 2021
Thanks giving has always been my favorite holiday. I love the gathering of family and I especially love to cook for everyone. As I begin planning for the annual Volk family Thanks giving dinner, I’m…
By PATRICK VOLK
, Apr 10, 2021
Social Security was built as a safety net back in the 1930’s. If you work, you pay into the social security system, 7.65%. It’s actually broken down into two parts, 6.2% goes towards OASDI (Old age,…
By PATRICK VOLK
, Apr 10, 2021
An ETF, or exchange-traded fund, is a security that tracks an index, a commodity, bonds, or a basket of assets like an index fund. Unlike mutual funds, an ETF trades like a common stock. ETFs…
By PATRICK VOLK
, Apr 10, 2021
An index is a basket of stocks/bonds which are used to track the overall market or a particular sector or region of the investment universe. One example would be the S&P 500, which tracks the largest…
By PATRICK VOLK
, Apr 10, 2021
There’s nothing wrong with investing while you still have outstanding debt, be it student loans, credit cards or a mortgage. However, you need to examine the cost of the debt in comparison to the…
By PATRICK VOLK
, Apr 10, 2021
Stocks represent ownership. When you buy a stock, you’re actually buying a piece of a company. A stock can increase or decrease in price, but it may also pay dividends.
By PATRICK VOLK
, Apr 10, 2021
An emergency fund is, simply, cash set to the side to protect you from invading your long-term investments or going into debt if an unexpected cash need arises. Typically, this reserve of money…
By INVESTED
, Apr 10, 2021
In investments, as in life, it is important to focus on what you can control, not what you can’t. When choosing to invest your money for the long-term, market performance is always out of your…
By PATRICK VOLK
, Apr 10, 2021
InvestEd collaborated with Terra’s Kitchen to create a blog post about “Grocery Shopping on a Budget Made Simple”.
By PATRICK VOLK
, Apr 10, 2021
You Need to Start Saving for Retirement
By PATRICK VOLK
, Apr 10, 2021
Check out InvestEd’s guest blog post on the Startup Soiree blog here. We wrote about “maintaining your personal finances while starting a business”. We hope that startups, freelancers and…
By INVESTED
, Apr 10, 2021
Invested had the opportunity to be interviewed by Startup Soiree Co-Founder, Patrick Rife, for the Startup Soiree podcast. You can listen to our Genti Cici and Allison Pescatore's Startup Soiree…
By PATRICK VOLK
, Apr 10, 2021
It’s an honor to be highlighted as one of Betterment Institutional’s Advisor Success Stories. Check out our full case study on the Betterment website
By GENTI CICI
, Apr 9, 2021
Our current ‘recession via a pandemic’ situation calls for an evaluation of all of our budget items; if we have a budget, or the creation of a budget if we don’t have such. This global pandemic has…
By JOY WEEMS
, Apr 9, 2021
If you’re a friend of InvestEd, you know that apart from information about investing, spreading the gospel of budgeting is our bread and butter. So much can happen when an individual sets up a budget…
By ENDRIT LLOSHI
, Apr 9, 2021
Have you ever heard about immediate gratification? I am sure we all have and we see and feel that every day. We are human beings and we want to enjoy life and sometimes we can not wait and want…
By INVESTED
, Apr 8, 2021
Learn about the reasons a person might want to consider rolling over an old 401k. We’ll touch on rolling over into an IRA, provided that you meet the appropriate criteria, the reasons why you should…
By ENDRIT LLOSHI
, Apr 8, 2021
The dilemma of having an employer sponsored plan. Does my employer offer one? When will I be vested? Do I have to contribute in it? Is there any match, and if yes how much? These are questions that…
By INVESTED
, Apr 8, 2021
When it comes to financial literacy we always encourage people to be educated as much as possible or at least to understand where is your money going, being able to budget right and save. These are…
By INVESTED
, Apr 8, 2021
There are four main options you have to manage your old 401(k). Read through so you can make an informed decision to figure out what is most appropriate for your current situation. So, go find your…
By GEORGE PIKOUNIS
, Apr 8, 2021
Let’s talk about budgeting! We know it’s unappealing to have to talk about and implement, and some just downright view it negatively. Hey, we’re in the financial business of promoting the benefits of…
By ENDRIT LLOSHI
, Apr 8, 2021
In the realm of financial advising, we know people can get scared off by terms like budgeting, saving, or retirement, but what about when you hear financial goal planning? Maybe this too provokes a…
By GEORGE PIKOUNIS
, Apr 8, 2021
How many times have we all thought about a decision we made that could have gone differently? The infamous, “What if?” We’ve all been in the position for various personal matters in our life, and in…
By ENDRIT LLOSHI
, Apr 8, 2021
We all experience the struggle to learn how to manage our money and become better budgeters and better savers. But, once we get to the point of developing good saving habits, which is the hardest…
By GEORGE PIKOUNIS
, Apr 8, 2021
“Hey man, you want to go out to dinner and get some drinks with the crew this weekend?” “I can’t, I’m on a tight budget this month.”
By GENTI CICI
, Apr 7, 2021
You’ve decided to get a new job, packed up your office stuff into a brown box and are heading home or maybe to a bar near you to either celebrate or cry. But have you forgotten something? Your 401k!…
By GEORGE PIKOUNIS
, Apr 7, 2021
After the great recession in 2008, preparing for a conversation with a financial advisor almost became taboo. There was a loss of trust, and many individuals fell behind even further from their goals…
By JOY WEEMS
, Apr 7, 2021
When you hear the term financial advisor, big name institutions and older white men in suites probably come to mind. Additionally, you probably only associate people with a high net worth as being…
By PATRICK VOLK
, Apr 7, 2021
The difference between a Traditional IRA and a Roth IRA is whether you’ll receive a tax deduction today (Traditional IRA), or receive tax free distributions in the future (Roth IRA).
By PATRICK VOLK
, Apr 7, 2021
May The Odds Be Ever In Your Favor. (“Hunger Games” fans know this doesn’t bode well for the people playing the game.) If you know anything about casinos, you know, the odds of winning are always in…
By PATRICK VOLK
, Apr 7, 2021
Recently in the news, you may have heard about the repeal of Dodd-Frank. The Dodd-Frank, Wall Street Reform and Consumer Protection Act are federal laws that were created to reform Investment banks…
By INVESTED
, Apr 7, 2021
In the investment industry, it’s common for investors to use the ‘Past Performance of a Fund or Manager’ as one of the main, and sometimes only, determinant when purchasing a specific fund or hiring…
By INVESTED
, Apr 7, 2021
From my experience in the financial advising industry, I have realized that it is often difficult to get people to open up and talk freely about money. It’s so difficult that people would prefer…
By INVESTED
, Apr 7, 2021
Last month we started a 3 Part Series about the most important factors for portfolio performance. They were: Staying passively diversified vs. actively trying to beat the market Keeping costs as low…
By PATRICK VOLK
, Apr 7, 2021
InvestEd has partnered with Inline Fitness for our third Mind Body Soul event. The event will take place at the Inline Fitness location in Canton, Baltimore. Thank you to Stay Classy Canton for…
By INVESTED
, Apr 7, 2021
There’s currently a war going on, not the one in Ukraine, not the one in the Middle East, but closer to home and it’s about your money, your retirement money, to be more specific. Let me explain.
By INVESTED
, Apr 7, 2021
In prior newsletters we have mentioned about common mistakes that most investors do. One such mistake that is prevalent in almost all countries (some much more than others) is the ‘Home Biased…
By INVESTED
, Apr 7, 2021
As technology becomes ever more part of our lives, we appreciate the benefits and conveniences, but without thinking too much about the issues or potential negatives of this new fast-paced world.…
By INVESTED
, Apr 7, 2021
We have all heard the famous quote: “If you fail to plan, you are planning to fail!", and this phrase rings very true in our investment world as well. Without a clear, concise and detailed plan, most…
By INVESTED
, Apr 7, 2021
By INVESTED
, Apr 7, 2021
Pogo, the title and the central character of the cartoonist Walt Kelly’s long running American comic strip may be unknown to most of us. After all, the comic strip was originally created in 1941 and…
By INVESTED
, Apr 7, 2021
Eugene Fama, Robert Shiller and Lars Hansen recently shared this year’s Nobel Prize in Economics. The little amazing part of this is that all three economists have differing opinions on how asset…
By INVESTED
, Apr 7, 2021
One of our main functions as advisors is to not only give recommendations, but also to provide reasonable expectations of return and risk that our client’s portfolios have and have that discussion…
By INVESTED
, Apr 7, 2021
We have always made it clear that our duty as fiduciaries is to look out for the benefit of our clients by lowering the total costs of the investment management process while at the same time…
By INVESTED
, Apr 7, 2021
This month I would like to write about the behavioral finance part of the market, a part that has become more important due to major volatility and continuous news about the economy and the stock…
By INVESTED
, Apr 7, 2021
I have often written about many different parts of the stock market, economy and more. Today, I want to talk about the known fact that most people lose and will continue to lose money in the stock…
Every month, InvestEd posts current information about financial events happening throughout the world, or just interesting things to know about your money. Read about them here.
