The Power of the HSA
Written By: Carolyn Mullins Understanding Health Savings Accounts (HSAs) A Health Savings Account (HSA) is a special savings account that provides tax advantages when you use it to pay for qualified medical expenses. To be able to contribute to an HSA, you must be enrolled in a High Deductible Health Plan (HDHP). These plans usually […]
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), […]
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 […]
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. […]
How Tariffs Impact Your 401(k) and Your Wallet
Written by: Joey Waterman Think of tariffs as an admission fee your government puts on imported goods. A tariff is a tax placed on products coming into the country, often with the goals of protecting domestic industries, raising government revenue, or gaining leverage in trade negotiations (sometimes all three). Most tariffs are calculated as a […]
Conversations About Money: Becoming Involved in Your Finances
Some couples start out with both people fully participating in their finances, and others have a division of labor in which one person is in charge of the finances. There may come a day when you realize you want to take a more active role in your finances. It’s not about distrust or lack of […]
Protect Your Credit & Reduce Your Risk of Identity Theft
Written By: Joey Waterman Locking or freezing your credit report is one of the most effective ways to protect yourself from identity theft. It helps prevent new accounts from being opened in your name without your permission. This simple, free step can give you more control over your financial security. The three major U.S. credit […]
Why Does The “Strong Dollar” Matter?
Written By: Joey Waterman Have you ever wondered why gas prices, or the cost of international travel can change so quickly? One reason is the strength of the U.S. dollar, which affects prices around the world, even if you never leave home. When people talk about the dollar, they often throw around terms like “strong […]
Planning for a Strong, Independent Future: A Guide for Women Aging Solo
Aging alone doesn’t have to mean aging unsupported. For women navigating life independently—whether single, divorced, widowed, or simply without nearby family—creating a thoughtful plan is one of the most empowering things you can do for yourself. More and more women are aging solo. In fact, nearly one in five adults over 65 are considered “solo […]
The Great Wealth Transfer: How Women Can Prepare Emotionally and Logistically
We are on the edge of the largest generational wealth transfer in history and women are poised to inherit a substantial portion of it. Yet according to UBS’s recent survey, most women aren’t ready. The numbers tell a sobering story: These aren’t just sobering statistics. They represent moments of stress and overwhelm—often layered on top […]