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Thursday, May 14, 2026

Offering an employer-sponsored retirement plan is a vital component in any business growth and employee retention strategy. But setting up and managing that plan requires substantial knowledge of federal rules and regulations, as well...

Monday, March 2, 2026

When asked why they haven’t committed to investing for the future, many folks use a common excuse: they don’t have extra money to invest. However, if you want to start investing but don’t have money saved, implementing minor spending...

Wednesday, February 4, 2026

February 14 is approaching and it’s the perfect time to let your special someone know how much they mean to you. Love is built one moment at a time, one day at a time. Whether your romance is just coming into bloom or has weathered...

Tuesday, January 6, 2026

The New Year means taking a new look at your finances. The most important thing is to make sure you feel like you have the cashflow you need to do the things you want to do. So, let’s set some goals this year to build on last year’s...

Monday, December 8, 2025

Making charitable contributions is a great way to help people in need while maximizing tax benefits, creating a win-win. Donations to qualified 501(c)(3) organizations can shrink taxable income, saving hard-earned cash. Here are four...

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Thursday, November 6, 2025

As you plan to incorporate Medicare into your long-term healthcare plan, it’s essential to be aware of the different dates for enrollment. Missing these deadlines can cost you, sometimes permanently, and you could suffer a lapse in...

Wednesday, October 1, 2025

Every October, the government and the tech industry come together to raise awareness about cyber security. Their goal is to reinforce the proactive role we all need to play in keeping our personal and workplace accounts cyber secure...

Monday, September 8, 2025

When Warren Buffett said, “Be fearful when others are greedy and be greedy when others are fearful,” he wasn’t just talking about investing. He championed contrarian thinking and urged people to capitalize when groupthink can result...

Tuesday, August 5, 2025

When was the last time you reviewed your will or estate strategy? August is National "Make a Will" Month, an excellent annual reminder to update or create your will. A will can outline your wishes and help guide the settlement of your...

Tuesday, July 8, 2025

July is here, and U.S. stocks have shown strong gains capping off a solid month and an excellent second quarter for Wall Street. The Dow closed higher by 276 points, or 0.63%. The broader S&P 500 rose 0.52% and the tech-heavy Nasdaq...

Wednesday, June 4, 2025

Father’s Day – a day to praise fatherhood, the contribution dads make, and the influence they have in society. If you are a dad, smile and laugh with those you cherish on this holiday, and enjoy the love and admiration you deserve. If...

Monday, May 5, 2025

Congratulations on your recent retirement! You’ve devoted a lifetime to accumulating wealth, and now the focus has abruptly shifted to spending it. Naturally, many new retirees aren’t quite sure what that transition (from earner/saver...

Monday, March 31, 2025

Whether you’re a newlywed or have celebrated many anniversaries, you already know you can accomplish more working together towards the same goal. The same goes with retirement savings. Both spouses can and should be involved in...

Thursday, March 13, 2025

When asked why they haven’t committed to investing for the future, many folks use a common excuse: they don’t have extra money to invest. However, if you want to start investing but don’t have money saved, implementing minor spending...

Wednesday, February 12, 2025

May is a month to celebrate the older Americans in our country and honor their lives and the accomplishments they still have ahead of them. Older Americans Month was established in 1963 by President John F. Kennedy to bring awareness...

Tuesday, January 28, 2025

As part of the value we provide throughout the year, we share with you the experienced opinions from Phil Blancato, Chief Market Strategist, and the Osaic Research Team. Attached you'll find the team's 2025 Investment Themes, which...

Friday, November 15, 2024

The Internal Revenue Service released the updated income tax brackets, standard deduction, and retirement contribution limits for the 2025 tax year. While these changes won’t impact you for some time, it may benefit you to start...

Wednesday, November 6, 2024

This month’s Retirement Readiness newsletter features helpful information about ways to deal with a burdensome inheritance, strategies for women approaching retirement, how AI tools are impacting retiree entrepreneurship, and...

Wednesday, September 18, 2024

I strive to keep you regularly updated with important information and news. Please view this informative whitepaper from Phil Blancato, Osaic’s Chief Market Strategist, attached below.

Sunday, September 1, 2024

If you’re like most people, you’ll do just about anything to protect your loved ones. Yet many of us fail to consider or prepare for the inevitability of death, which can result in heartache, frustration, and unnecessary expense ...

Thursday, August 22, 2024

At some point in life, you’ll be in the market to buy something that costs big bucks. No matter the purchase, sometimes the decision can be hard to make. Here are three things you should ask yourself before you spend your hard-earned...

Monday, July 22, 2024

Highland Capital recently shared this informative Life Cycle Navigator chart. If you're in one of these groups and have questions, please reach out to me at (804) 665-1555 or cdanford@capfs.com. I'd love to talk with you!

Saturday, July 20, 2024

Despite progress toward financial planning and saving, women often face challenges regarding their financial security. These challenges can include more time away from the workforce (often caring for children or for parents), the...

Tuesday, July 16, 2024

Identity theft is in the news every day, and we must remain vigilant to protect our identities. Please review this identify theft publication from the Federal Trade Commission and IdentityTheft.gov and keep a copy handy.

Monday, June 10, 2024

What do you know about estate planning? Do you have an up-to-date will? How about a medical directive? Estate planning touches just about everyone. The attached guide entitled Understanding Your Estate was recently shared with me, and...

Saturday, June 8, 2024

Retirement evokes different dreams for everyone, but for many, travel is part of the image. If travel is part of your retirement vision, before you leave town, it’s important be aware of whether Medicare coverage will protect you...

Friday, April 12, 2024

I was quite impressed with this document and wanted to make it available on my website blog. I'd love to hear from you with any comments or questions.

Friday, March 15, 2024

Have questions about Social Security? Here's another great resource I just received this week. If you have questions or comments or would like to receive a copy by mail or e-mail, please reach out to me at (804) 665-1555 or...

Monday, March 11, 2024

Saving money is a bit like eating healthy; you know you should eat your veggies, but it’s hard to resist indulging in something more fun. Like making healthy choices, a tax refund can present the opportunity to splurge.

Friday, March 8, 2024

Capitol Financial Solutions recently hosted an Equitable webinar entitled "Getting The Most Out Of Your Social Security Benefits."  The very informative slides provided by the presenter are attached for your review. Please...

Thursday, December 7, 2023

Capitol Financial Solutions recently hosted a webinar put on by Equitable.  I was so impressed with their 'Share Your Love' Family Discussion Guide that I've been delivering copies to many of my local clients and friends.

Friday, September 22, 2023

Have you ever considered the enigma of estate planning? It's a crucially vital topic yet often one of the trickiest to discuss. In reality, none of us like to dwell on the thought of our own mortality, right?

Thursday, August 3, 2023

I recently shared this graphic and statistic on LinkedIn and believe it's important enough to re-share here on my website blog. I'd love to know what you think.  Please reach out to me at cdanford@capfs.com today.

Monday, March 6, 2023

March is Women's History Month, a time to recognize the remarkable contributions of women throughout history. This year's theme is "Celebrating Women Who Tell Our Stories," We're honored to share a few examples of women who continue to...

Tuesday, February 7, 2023

Insurance: we all hope to not need it, but wouldn't want to be without it when we do.

Monday, January 23, 2023

Divorce is an ending, and endings aren’t easy. There’s a lot of emotion involved: sadness, confusion, fear of the future, and maybe anger, to name just a few. It’s understandable if you want to sit on the sofa...