The Invisible Risks of Wealth You Shouldn’t Ignore
Your Life, Your Wealth: A Decade by Decade Financial Roadmap for Women
2026 Retirement Contribution Limits Are Increasing – Here’s What You Need to Know About the New Roth Catch-Up Rule
Written by: Greg Phillips, AIF®, CPFA®, C(k)P® The IRS has released the new retirement contribution limits for 2026, and the numbers are going up again. Higher limits mean a greater opportunity to save more for your future, especially for those age 50 and older who qualify for “catch-up” contributions. Here are the key 2026 limits: 401(k), 403(b), […]
Estate Planning Documents Everyone Needs and When They Should Be Updated
This month we look at the legal documents to keep you and your family safe and sound. We’ll dive into: Estate Plan Living Trust Will Durable/ Nondurable/ Special or Limited/ Springing/Medical Power of Attorney Advance Medical Directive Kids’ Protection Plan
Long-Term Care Insurance: The Safety Net Every Woman Deserves
Most of us imagine growing older surrounded by family and enjoying the rewards of a life well-lived. But few of us picture what might happen if we needed help with everyday activities, like bathing, dressing, or preparing meals, for an extended period of time. The truth is, living a long life is almost certain; planning […]
Don’t Leave Money Behind: How to Recover and Prevent Abandoned 401(k) Accounts
Written by: Greg Phillips, AIF®, CPFA®, C(k)P® When it comes to preparing for retirement, most people focus on contribution rates, investment performance, and future income needs. But there’s another factor that can quietly undermine your financial progress, the abandoned 401(k). At Twelve Points, we often meet clients who’ve changed jobs multiple times over the years […]
Simplifying Long Term Care Insurance
Written By: Barbara Maietta, CFP® & Linda Thalheimer CLTC, RICP, LIA “Don’t complain about growing old, it is a privilege denied to many” – Mark Twain What is Long-term Care? Long-term care refers to help with daily living for people who can’t fully care for themselves. Long Term Care is defined as requiring assistance with […]
Cyber Security: The 5 Things Every Family Needs to Know to Stay Secure
In this session we will dive into the most recent cyber security trends that you and your family need to be aware of to stay safe through the holiday season. BlackCloak’s team will provide insight on recent scams, signs to look for, and recommended preventative measures that you can put in place to advise your […]
Planning for Bear Markets in Retirement
Written by: Barbara Maietta, CFP® “Great investing requires both generating returns and controlling risk. And recognizing risks is an absolute prerequisite for controlling it.” – Howard S. Marks Impact of a Bear Market Early in Retirement One of the key risks that retirees must plan for is the impact that a bear market just before they […]
Tax Smart Retirement Withdrawals
Written by: Barbara Maietta, CFP® “The hardest thing in the world to understand is the income tax.” – Albert Einstein Let’s Review Basic Strategies For Withdrawals From Retirement Accounts The order in which you withdraw money from your investment accounts in retirement can make a big difference – not just in how much income tax […]
2025 Q3 Market Review
The third quarter of 2025 saw global financial markets continue their upward trajectory, extending the recovery that began in the second quarter following a turbulent start to the year. Equities, led by the technology sector, posted solid gains, while bond markets remained relatively stable despite continued upward pressure on long-end yields. Geopolitical and trade uncertainties, […]
No More “I’m Fine”, Making Mental Health a Priority
Written By: Alannah DiBona, Executive Director at WindHorse Counseling & Barbara Maietta CFP® Women today often carry multiple responsibilities, professional, family, and personal. Many juggle careers, parenting, caregiving, managing a household, and nurturing relationships. The effort to keep everything balanced can feel overwhelming, and the pressure to “do it all” often leads to stress and exhaustion. […]