By Kyle Louvar, CFP®, AIF® Has the state of the world and the ever-changing stock market got your head spinning? While there may be a lot of uncertainty right now, one thing we can count on in life is the constancy of change. But as much as we dislike change, the stock market likes it…
Details
By Kyle Louvar, CFP®, AIF® Many clients delay partnering with a financial advisor because they believe their services are too expensive. But this couldn’t be further from the truth! Working with an advisor often helps you save money by eliminating unnecessary expenses and redirecting those funds toward long-term financial goals. Here are four ways financial…
Details
By Kyle Louvar, CFP®, AIF® The word “risk” is frequently thrown around when it comes to financial planning and the stock market, but do you know what your financial advisor means when he or she asks about your risk tolerance? It’s easy to say that you are willing to take risks when things are good—when…
Details
By Kyle Louvar, CFP®, AIF® As an energy industry professional, you typically have access to a comprehensive compensation package. Understanding the many benefits your company offers can be challenging and often requires time, effort, and expertise that you just don’t have. A trusted financial advisor who understands who you are and the challenges you face…
Details
By Kyle Louvar, CFP®, AIF® Some things can be put on autopilot: that monthly order of pet food or the payment for your cell phone bill. But retirement planning is not one of those tasks. As your life changes, your retirement plan needs to adapt to those changes—big or small. If that sounds like a…
Details
By Kyle Louvar, CFP®, AIF® Regardless of the reason for the separation, a divorce can be painful, emotional, overwhelming, and expensive. While there’s no avoiding the feelings that come with such a significant life event, a trusted financial advisor can help you navigate through it. It can be difficult to keep track of all the…
Details
By Kyle Louvar, CFP®, AIF® Are you procrastinating when it comes to organizing your finances? You’re not alone. Whether it’s insurance planning, putting together an estate plan, or figuring out withdrawal strategies, most people don’t put financial planning at the top of their to-do lists because it can feel overwhelming and, at times, complicated. But…
Details
By Kyle Louvar, CFP®, AIF® After a three-year rally, the financial markets have been down for seven straight days, marking their worst slide since the pandemic decline in March of 2020. (1) Monday’s market dip put the S&P 500 down over 10%, which is officially called a “correction” on Wall Street. (2) In addition to…
Details
By Kyle Louvar, CFP®, AIF® Providing an attractive retirement plan for your employees is a great way to establish a supportive company culture, retain talented people, and help your employees build financial security for their futures. But companies take on significant responsibilities when offering this type of benefit to employees. What many employers don’t realize…
Details
By Kyle Louvar, CFP®, AIF® Everyone seemingly has an opinion about how you should retire, when you should retire, and how much money you’ll need in retirement. If you were to do a quick Google search for “How much money do I need to retire?” you’ll get over 100 million results. Likewise, “When can I…
Details