Let's talk money.

    401k or Roth IRA?
    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…
    Goals to Achieve Before the Year is Out
    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…
    Elections and the Stock Market
    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.
    The Invested Difference
    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*…
    How to Think More Comprehensively About Your Money
    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…
    Signs You Need To Talk to An Advisor
    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…
    Intro to Investing
    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…
    Impactful Ways to Spend Your Tax Refund
    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…
    To Save or Pay Off Debt? That Is the Question!
    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…
    What to Do With Your Investments If You Feel A Recession Coming?
    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…
    The Current Market Selloff Pt. 2
    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…
    Our Thoughts on the Current Market Selloff
    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…
    Financial Habits to Ditch and Keep in 2020
    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…
    Celebrate Invested
    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…
    4 Lifestyle Changes That Helped Me Save Money
    By ALLISON PESCATORE , Apr 14, 2021
    Four Lifestyle Changes:
    Why should I Schedule Financial Planning Meeting
    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…
    Are You Financial Warrior
    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…
    Learning Live Below My Means Not Within Them
    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…
    Harnessing Financial Power Through Community
    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…
    Meet Maggie!
    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
    Coffee And Conversation
    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…
    Life Well Balanced My Life And After Budgeting
    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…
    How Stop Living Paycheck Paychec
    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…
    5 Life Changes That Warrant a Conversation with Your Advisor
    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,…
    Prioritizing Debt Reduction
    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…
    Setting And Crushing Your Financial Goals
    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!
    Importance Financial Iiteracy
    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…
    Women Crushing it Wednesday Jasmine Norto
    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…
    Investeds Women Crushing It Wednesday Series
    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…
    Fierce Finances Modern Woman
    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…
    Women Crushing It Wednesday Dr Tammira Lucas
    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…
    Meet Bridgette
    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…
    Conservative Valentines Day
    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…
    Financial Wealth Health Check
    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…
    Seijins Visit Invested
    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…
    Thoughtful Giving Planning Your Generosity
    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,…
    5 Questions Endrit
    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…
    Rise And Repopularity HSA
    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…
    Whats Acceptable Amount Debt
    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…
    3 Ways Invest Yourself
    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…
    What Do If You Win Lottery
    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…
    Wealth Health Check
    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…
    Savers vs Spenders
    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…
    Savers vs Spenders Part 1 Savers
    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,…
    Top 5 Financial Questions to Ask Your Significant Other
    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…
    Tax Refund Myth
    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…
    How New Tax Law Affects You
    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…
    Financial Resolutions You Can Stick Year
    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…
    5 Ways Get Your 2018 Finances Gear
    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…
    There Average Price Stock
    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…
    What Bond
    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…
    How Planning Your Thanksgiving Meal is like Making a Diversified Investment Portfolio
    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…
    Social Security What It And Does Everyone Get It
    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,…
    What ETF
    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…
    Zombie Economic
    By PATRICK VOLK , Apr 10, 2021
    Noun
    What Indexing
    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…
    What Stock
    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
    To Improve Your Finances
    What Emergency Fund
    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…
    Your Investments: What You Can and Cannot Control
    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…
    Terras Kitchen Invested Collaboration
    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”.
    You Need to Start Saving for Retirement - Charm Collectiv & InvestEd
    By PATRICK VOLK , Apr 10, 2021
    You Need to Start Saving for Retirement
    InvestEd's Guest Blog Post for Startup Soiree
    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…
    Startup Soiree Podcast Featuring
    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…
    Betterment For Advisors
    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
    How Stay Budget During Recession
    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…
    Foundations Budgeting
    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…
    Why Should I Contribute to My 401K?
    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…
    Why Should I Rollover My Old 401k
    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…
    What If I Dont Have 401k
    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…
    All About My Current 401k Plan
    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…
    What Should I Do With My Old 401k
    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…
    Budgeting Basics
    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…
    Financial Goal Planning
    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…
    Investing And What If Mindset
    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…
    Top Dos And Donts Investing
    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…
    Budgeting Right Way
    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.”
    What to Do With Your Old 401k
    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!…
    How Prepare Conversation Financial Advisor
    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…
    Why Do You Need Financial Advisor
    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…
    Roth Or Not Roth That Question
    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…
    Stay Classy Canton Blog
    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…
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    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…

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