Money and You article by Clute Wealth Management

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Do you know who manages the family money? You might be surprised.

Do you Know Who's Managing the Family Money? You may be surprised.

Heidi Clute: April 20, 2023

For many families, this is a question getting new answers today because of changing family dynamics and the growing number of aging parents or family members. Long gone are the days when it could be assumed that managing family finances defaulted to “the man of the house.” At the same time, the Sandwich Generation is coming to terms with their aging parents...

Five Ways to Help Avoid Sleepless Nights in Retirement

Heidi Clute: June 14, 2016

Financial headlines can be hazardous to your sleep health in retirement. It is easy to get the jitters and start worrying that you should do something, anything but stay on your current financial course. Yet it rarely makes sense to panic and sell your holdings. Over the years I have developed a list of five ways to help you avoid the sleepless nights in...

Archived Articles Articles Retirement Planning Investing

You didn't expect a divorce: Now what?

Christina Ubl: February 15, 2016

At the wedding, who thinks those two little words ”I do” might suddenly lead to the four words “I want a divorce.”? No one expects to get divorced. But now that you’ve heard (or uttered) those four words, what do you do?

Archived Articles Articles Financial Planning Divorce

Second Home Ownership

Heidi Clute: April 3, 2014

Should you or shouldn't you? Have you been daydreaming of owning a second, seasonal home? A vacation home situated on a mountainside with a fireplace or two, ski-in access and powdery slopes nearby – or perhaps a lakefront property with a front porch and a sweeping view of the sunlight on the water…sure sounds enticing.

Archived Articles Articles Financial Planning Second Home

The Power of a Plan

Heidi Clute: June 11, 2013

Women, Money & Life’s Transitions When it comes to finances, that old cliché holds true: “hope for the best, but plan for the worst.” This is especially true for women. Why? On average, over the course of our lifetimes, women:

Archived Articles Articles Financial Planning Women

2012 Year-End Financial Tips

Heidi Clute: November 9, 2012

'Tis the Season! Just when it seems things can’t get any busier – December arrives. This month is typically loaded with family obligations, year-end business deadlines, and increased spending. This potent mix can wreak havoc on your budget and ultimately your ability to meet your own financial goals. To sleep a little easier this month and next, it may help...

Archived Articles Articles Taxes

Fiscal Cliff? It's Possible to Scale it and Climb Higher.

Heidi Clute: October 25, 2012

There's been talk about the possibility of the U.S. economy "going off a cliff" at the end of this calendar year. What is this "cliff" pundits are referring to? It's actually a possible culmination of a number of government tax and benefits changes scheduled to impact our economy simultaneously. Specifically, the Bush tax cuts and payroll tax cuts are due...

Archived Articles Articles Investing Volatility

Long-Term Care Insurance

Heidi Clute: July 7, 2012

Does Long-Term Care Insurance break or protect the nest egg? It may seem a bit unusual to be examining insurance with a financial advisor, but looking at long term care insurance is a critical step in the retirement plan process. It is much easier discussing the risks potential health problems can pose to your retirement plan now, while you’re healthy,...

Archived Articles Articles Risk Protection Insurance

Women & Money

Heidi Clute: June 7, 2012

Learning to meet fiscal responsibility head on. It's hard to accumulate wealth when you shy away from the responsibility of making fiscal decisions or if the idea of money scares you. Unfortunately, this emotional attitude toward money stops many women in their financial tracks and keeps them from reaching their long-term goals.

Archived Articles Articles Financial Planning Women

Concentrated Stock Positions

Heidi Clute: April 8, 2012

What to do with too many eggs in one basket. What is a concentrated stock position? It is defined as holding one particular stock that comprises 30% or more of your overall investments or portfolio. You may wonder why this is an issue, particularly if you are saving for retirement or the long term.

Archived Articles Articles Investing

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Money and You