Medicare Changes You Can Expect in 2023

A New Year brings new changes to many insurances… this includes Medicare. Whether its changes to the premiums, deductibles, and cost sharing (copays and/or coinsurance) amounts to the actual underlying coverage of services it is hard to keep up sometimes. On top of the normal changes, there are some huge changes to Medicare due to […]

The True Cost of Do-It-Yourself Financial Planning

There are many things in life that make sense to do on your own: driving a car, getting dressed, eating, brushing your teeth, shopping for clothes. There are also activities that always are best left to professionals such as filling a cavity, setting a broken bone, or preparing a legal defense to a criminal charge. […]

Is Your Credit Card Right for You?

As I grew up, I always heard bad stories of credit cards. My parents always were against me getting one and if we’re being honest, even getting a debit card was a battle. After not really thinking about it for years, it wasn’t until I was 23 when I thought, hey, I should get a […]

How Can I Stretch My Dollar Further in 2023?

As you go into the New Year, you may be considering what sustainable financial changes you can make. The big picture is very blunt – earn more money or spend less! Of course, it is not as easy to earn more money, so the real focus can be on spending less. Spending less is actually […]

Finding the Perfect Gift this Season

My poor wife. Twice a year I am the source of great frustration, what to get me for my birthday and Christmas. I don’t “need” anything and I’m not the most communicative guy when it comes to “wants.” She doesn’t need to spend money on me. But she wants to do something special, and with […]

Reviewing Your Financial Health

Heading into the end of the year and looking forward to 2023, we here at JGUA wanted to give some insight into some financial considerations for you and your family. Making sure you are aware of and in control of your financial health is important, and we are here to help. First thing to consider […]

Psychology of Money: Protecting Your Wealth from Yourself

When we think of finances, we think of dollar bills, counting change, stock prices, and mathematical precision. What we do not think of is how our emotions, biases, and personal history contribute to all of the financial decisions we make. As Morgan Housel says in his book The Psychology of Money, “Financial success is not […]

Can Your Financial Plan Survive a Disaster?

The headlines have been somewhat alarming lately; it seems as if there is an overarching potential disaster waiting just around the corner. For those of us that did not live through the cold war, the daily threat of nuclear winter is a touch overwhelming. Throw in catastrophic hurricanes, tornados, etc. and suddenly you may find […]

Setting Your Budget for the Holiday Season

With the holiday season just around the corner, I thought it would be helpful to come up with some helpful tips and tricks to curb that spending that is troublesome every year. Whether it’s attending parties, buying gifts, or bringing your family together to celebrate, you need to figure out how you will be able […]

How to Gain From a Loss

You may have heard of the phrase “tax loss harvesting” in the context of sales of stocks or other investments, and wondered exactly what it means.  Tax loss harvesting generally refers to selling investments (i.e. capital assets) at a loss, specifically timing them so that they offset gains (both capital and ordinary) in the same […]

So You’re Thinking of Being a Snowbird

As I left home this morning, I peered through the fog at the pond in our backyard. Our friend, the Great Blue Heron, was looking for breakfast. My wife and I have been awed by his patient gracefulness coupled with unexpected speed and agility as he pursues his next meal. But this won’t last. The […]

Traditional Medicare vs. Medicare Advantage

Are you being bombarded with Medicare Advantage commercials or mailings? If it hasn’t started yet, I’m sure you’ll start receiving or noticing them soon. This is because we are now in the Open Enrollment period for Medicare Part D and Medicare Advantage plans. Do these messages seem too good to be true? Are you wondering […]

How Do I Get Out of My Timeshare?

The impressive glossy brochure on sturdy cardstock arrives in the mail. You’ve been invited to spend three nights at a luscious resort for a modest price. You’re intrigued. Booking a similar vacation yourself would cost a pretty penny. You call the toll-free number, pick your dates, and begin to daydream about this blissful upcoming vacation. […]

Explaining the FAFSA

Here are some helpful tips and resources for filing the Free Application for Federal Student Aid (FAFSA®) The 2023-2024 FAFSA form has been available since Friday, September 30th so if you or your child plan to attend college in 2023 you will want to fill out the FAFSA as soon as possible as some scholarships […]

What Does it Take to Tame Inflation?

Anyone who pays attention to the news or simply shops in a supermarket knows that prices have increased sharply over the past year. This is not just a U.S. phenomenon, but is worldwide and comes after nearly 40 years of modest low-single digit annual inflation. Some of the causes include worldwide supply chain disruptions triggered […]

Following the Trail: Stock Certificate Research

Occasionally we have clients come to us who hold stock directly with a company or their loved one passed away leaving behind paper stock certificates or transfer agent account statements. Cleaning up and liquidating the account can take time and research to make sure the process is followed to a T. The timing and decisions […]

What Financial Risks Are You Pre-Exposed to as a Horse Owner

While we know that we invite risk of injury as we mount up our “trusty” steed, your risk does not stop here. While no one wants to talk about it, these activities pose a risk to your financial security. Be aware that not addressing them could be detrimental to your financial goals.   Emergency Expenses […]

I’ve Started a New Job, Now What?

Congratulations! You’ve landed a new job! Exciting news can cause a range of new emotions; happiness, pride, angst, or even fear. So what now? How do you start fresh in the most efficient way? The answer you seek is simple, Bounce. No do not literally jump up and down. Use the term for motivation and […]

Are You Maximizing Your Employer’s Retirement Benefits?

It’s no doubt that making these type of decisions can be nerve-racking and reviewing your benefits can be very complicated. Although capable, sometimes it’s hard to find the time to digest all your options and analyze all the various benefits. Making the wrong election can have financial consequences for you, either now or in the […]

Explaining Student Loan Relief

The recent news of the Biden Administration’s Student Debt Relief Plan has generated some excitement around the otherwise dull topic of student loans. Over the past 40 years, we have seen college tuition prices triple in cost. That is even after accounting for inflation! As the price of attaining higher education became more expensive, more […]

So You’re Thinking About Retiring

Are you counting down the days, or is retirement still a nebulous concept of some far off Neverland, or are you somewhere in between. Wherever you are in your process, retirement demands answers to a host of questions. The better your answers, the more enjoyable your retirement years will be.   Why are you retiring? […]

No Silence for Empty Nesters

Shhhh!  You hear that?  No?  Listen closely fellow “empty nester”, the kids are gone.  You dropped them at college, or they have moved out to start their life as an adult, and here you are, listening intently.  Is that silence you hear?  Nope, listen closer.  You can still hear the faint “cha ching” of the […]

Creative Ways to Pay for College

Your son or daughter received their acceptance package from college (Woo Hoo!) and the bill for school is on the way. (Argh!) Now what? How in the world do you pay for school? Here is a summary of some options to consider:   Grants or Scholarships – One of the best ways to pay for […]

How Working With An Advisor is Like Having Financial Insurance

Insurance is a peace of mind agreement – generally, it is something you need to have, but hope to never use. The purpose of insurance is to act as protection against possible negative outcomes and risks you cannot afford to cover yourself. Property losses, accidents, theft, liability, catastrophic loss… these are all risks in life […]

Avoid the Gripping Power of Fear

The ongoing Covid pandemic has reshaped our world unlike any other illness since the 1918 flu epidemic. While the human toll is most tragic, the pandemic has also affected our financial lives in a variety of ways. One of the most notable is the Stock Market. As the pandemic grew, medical professionals and government officials […]

Homeowner’s Insurance – Protecting your financial future by reducing risks in the present

Imagine that you have decided to go buy a new couch; you know the one you want and have the money saved and ready. The day arrives and you go to the store to get the couch only to find out that the price has jumped 40%. You go ahead with the purchase, but because […]

Consumer Awareness: Is your Cash Safe in the Bank?

  With times of high volatility in the stock market and questionable stability of the economy as a whole, many individuals may start to question the safety of cash they keep in their personal banks. Remembering their history lessons of the Great Depression of 1930 (accounts were partially or fully lost, banks failed) or remembering […]

Beware Escheatment

The letter took me by surprise. I was the treasurer for our volunteer fire department. We had a checking account for day to day activities and a savings account for future use. I had let the savings account sit untouched for several years and received a letter from the bank that the account was about […]

Five Budget-Friendly Summer Day Trips for You and Your Girlfriends

Sometimes I wish summer had 8 days of the week! To be clear, I want the eighth day to be another Saturday, NOT another Monday. I also wish I got a “summer raise” every year, where I get paid more every summer to cover the expenses of all the exciting extra adventures that always seem […]

What you can do to Prevent Identity Theft and Fraud

By: Brandi B. Graham, CTFA, CFP®     Reported fraud losses increased more than 70% from 2020 to 2021.  The Federal Trade Commission received over 2.8 million fraud reports from consumers in 2021 representing more than $5.8 billion in losses to fraud.  There are multitudes of methods aimed at unsuspecting citizens. Some of these include […]

What is CWM?

Written by: Jason D. Nickerson, CFP®, EA, Executive Vice President What is CWM? Well, the first thing to answer is, what does CWM stand for?  Answer; Comprehensive Wealth Management.  We have heard this similar phrase substituting similar words, but does it still mean the same?  That may be the topic for another blog, but for […]


Written by: Lynda Lander, Associate Advisor   If you are a homeowner and you are above the standard deduction, chances are you or your tax preparer have itemized your deductions. These deductions include, but are not limited to: Home mortgage interest payments City/state/school property taxes Personal property taxes State income taxes Other miscellaneous deductions. First, […]

You Can’t Take it With You: Spend it!

By: Kelly M. Lewis, CFP®, JD, LLM   “They don’t need any more money; they do just fine on their own.” This is an answer I occasionally hear in my job when beginning the estate planning and wealth transfer discussion. What does it mean? When I ask clients what their goals are for their money […]

Who is Leading the Races in Your Investment Portfolios?

An explanation of how a few stocks can drive performance of the S&P 500 Updated on July 27, 2022 By JGUA Research Analyst Mark Abdalla, CFA Commentary by Associate Advisor Sarah E. J. Collier, JD   The past few years for the stock market have been unique in terms of circumstances, returns and volatility. At […]

I’ve Retired. Now What?

When asked several months after retiring from a long career in higher education how her retirement was going a client replied, “I made the classic mistake”.  I asked, what was the mistake? “I retired from something instead of to something,” she said.  She went on to explain that she really did not have a lifestyle […]

Why Debt Shouldn’t be Scary

Did you know that there is good debt and bad debt? Good debt is debt that you incur that will increase your overall net worth, while bad debt depletes your net worth. Good debt includes mortgages, home equity loans, and student loans. Bad debt includes credit cards, and sometimes auto and personal loans.   While […]

How Much Should you Pay for an Engagement Ring?

By Andrew Baron, CFP®, EA Associate Advisor   Love is in the air in February with Valentine’s right around the corner! If you have been thinking about proposing to your partner, buying a ring is a major step in the perfect proposal. The obvious question is then—how much should I spend on a ring? Forget […]

New Take on a New Year

By: Kelly M. Lewis, CFP®, JD, LLM I’m sure you have all seen the “new year, new you” blog posts on anything and everything; finances, weight loss, exercise, travel, career goals, etc. In fact, I think it was just last year at about this time that I wrote a similar blog for everyone to read. […]

Complete Value

Written by Jason Nickerson, CFP®, EA Have you ever found yourself asking the question, “What am I paying for?”  That question can take many forms, but simply having the awareness to ask says something about your critical thinking skills.  I also find that in an ever evolving world of competitiveness fueled by human intuition and […]

The Juggle is Real

Written by: Lizzy DiPietrantonio, J.D. Congratulations, you have a baby arriving into your life. Now how in the world are you going to afford your tiny growing little human? There are 40 (or less) weeks ahead of you that seem both impossibly long and terrifyingly short. As I write this I have roughly 11 weeks […]

Talking About Cognitive Decline

Written by: Brandi B. Graham, CTFA, CFP® Talking about cognitive decline may be difficult, but avoiding the topic can be financially devastating. We have all heard stories about the elderly person who paid thousands of dollars to “help a grandchild who was in an out of state accident” only to find out the grandchild was […]

Gifting Outside the Box

Thanks to online shopping, it has never been easier to make purchases throughout the year. In times past, it was a big event to go out to stores at certain times of the year to shop for the holidays, especially on Black Friday. Cyber Monday then came around and eventually extended beyond just Monday. Households […]

Making Your Credit Card Work for You

Written by: Brandi B. Graham, CFP®, CTFA I remember standing in line behind a close friend of mine 20 years ago when she was writing a check to pay for her groceries.  I asked her why she did not use her credit card.  She said she did not want people to think she “had to […]

In the News: Student Loan Update

Written by: Sarah E.J. Collier, J.D. FedLoan Servicing, Granite State Management and Resources, and Navient decide not to renew contracts, WHAT DOES THIS MEAN FOR YOU! Student loan debt is one of the biggest stressors that overwhelm young adults (as well as their parents). While the pandemic is proving not to be over yet, federal […]

Is a Health Savings Account Right for You?

Written by: Pete Winnett, CFP® Are your considering health insurance plans offered by your employer for 2022? Are you wondering if a High Deductible Health Plan (HDHP) combined with a Health Savings Account (HSA) might be a good idea for you and your family? The answer will depend on your individual circumstances, however, HSAs can […]

The Season of Open Enrollment

Written by: Kelly M. Lewis, CFP®, JD, LLM While most of us are thinking of pumpkin spice, apple cider, leaf peeping, sweaters, Ugg® boots, and Halloween, we should not forget that many of us have an open enrollment period upon us. During this period, employees can enroll in any number of benefits offered through their […]

Learning the Art of Budgeting

Written by: Sarah E.J. Collier, J.D – Associate Advisor Budgeting isn’t about limiting yourself it’s about making the things that excite you possible. – Author Unknown One of the most underestimated and least taught life lessons in my opinion is learning to budget in a mindful and optimistic way. As I talk with individuals, regardless of […]

Mid-2021 Market Dynamics

Written by Mark Abdalla In 2020, large Mega Tech companies drove stock market returns. In fact, 70% of the S&P index’s 18% return last year were due to Facebook, Apple, Amazon, Microsoft, and Google (aka Alphabet). This year, returns for these big tech companies have been more volatile. In Q1, they lagged the market while […]

Vishing: What is it & How to Protect Yourself

What is vishing? Also known as ‘voice phishing’, vishing is the fraudulent practice of making phone calls or leaving voice messages purporting to be from reputable institutions in order to convince individuals to reveal personal information.   Vishing attacks are on the rise Scammers continue to find new ways to trick individuals into sharing personal […]

The Latest Stimulus Payment: Reasons to Opt Out of Monthly Advanced Child Tax Credit Payments for 2021

Written by Don Huff, CPA   The latest Stimulus Payment being offered to qualifying taxpayers is the prepayment of a portion of the Child Tax Credit for the 2021 tax year starting July 15. The new law temporarily raises the amount of the credit for a qualifying child. Children ages 5 and younger will receive […]


Written by Jason D. Nickerson, CFP®, EA   Ahhh, summer is coming. Warm weather, sunshine, the great smell of a freshly mowed lawn, the lap of the water on the shore of a lake or ocean, Beach Boys and Bob Marley music, I mean, what can be better than all of that? I am sure reading […]

April Showers Bring May flowers: Save Now to Enjoy Later

By Andrew Baron, CFP®, EA   The classic saying speaks of the beautiful flowers and warmer weather that follow the dreadful rainy season of April. Cultivating these flowers take time, but are worth the wait as a symbol of sunny warmer weather soon to come. Many of us have a similar outlook on saving, we […]

Saving Now to Plan for Later

By Amanda L. Herrick Smith, CFP®   Have the holidays ever snuck up on you and you realized your bank account just cannot sustain the impact of gift giving? Up goes the credit card balances and in comes the final squeeze of the cash flow! Year after year I continued to see this ongoing pattern […]

Post-Pandemic Financial Self-Care

Written by: Kelly M. Lewis, CFP®, JD, LLM Yes, I used the word “post-pandemic” even though the pandemic is not over yet. While about 30% of the United States population is fully vaccinated and mask mandates and social distancing seem to be disappearing, we are all still being cautious. What I wanted to talk about […]

Buying Your First Home

Written by: Amanda L. Herrick Smith, CFP® As we go into spring and the flowers begin to bloom and we have a bit more warmth and sunshine, the housing market begins to take hold in upstate New York. Being a homeowner was something that was very important to me at a young age. I grew […]

Pandemic Weddings: A Financial Revolution

Written by: Elizabeth K.B. DiPietrantonio, J.D. The pandemic has changed absolutely everything. Including the way we hold meetings, the way we work, live, communicate, travel, educate children and even for many the way we get married. A lot of people have cast aside the lavish celebrations for simple intimate gatherings, others wait -deposits on hold, […]

Why I Advocate for Pet Insurance

Written by: Kelly M. Lewis, CFP®, JD, LLM Did you ever read that article about a couple who almost cancelled their wedding because the future husband secretly spent over $5,000 (from his own savings) on surgery for his dog, and the future bride was furious because that meant she was going to have to downsize […]


By Jason D. Nickerson, CFP®, EA   I don’t know about you, but with being “locked-in” during the pandemic, I had more time for things. What things?  Well, I am not much of a TV watcher, mainly because I often regret the time I spent and start thinking of all the other things I could […]

Paying Income Taxes Online

By Sarah E.J. Collier, JD   Do you plan on owing Uncle Sam this 2020 tax year? How do you plan on paying? By check? If so, you may want to reconsider your options for this year. In past years it has been very typical for taxpayers to have their Federal (and State) refunds direct […]

How to avoid fraud in the Covid-19 Era

By Brandi B. Graham, CFP®, CTFA   Fraudulent Unemployment Claims Criminals are taking advantage of the pandemic and have found new ways to steal from you.  Beware of fraudulent unemployment claims.  With the added incentive of $600 per week last summer and now $300 per week for the Federal Pandemic Unemployment Compensation assistance, fraudulent unemployment […]

Financial Considerations Under the CARES Act for Federal Student Loan Borrowers

By: Sarah E. J. Collier, J.D.   Due to the CARES Act, qualifying federal student loans are being placed in an administrative forbearance with a 0% interest rate. This was put into effect March 13, 2020, and has recently been extended through September 30, 2021. This means that during this time period, there are no […]

Roth Conversion

By Todd Brost, CFP®   History of the Roth IRA? It is named after the late U.S. Senator William V. Roth Jr., who was a WWII veteran, a lawyer, and the legislation’s sponsor. It was created by the Taxpayer Relief Act of 1997. Contributions to Roth IRAs grew from $8.6 billion in 1998, to $605 […]

Donating Enough to make it Beneficial

By Brandi Graham, CFP®, CTFA   With increased standard deductions, more taxpayers are finding they are no longer able to deduct cash contributions to charities on their tax returns.  Are you looking for smarter ways to maximize your charitable gifts while minimizing taxes? Read on for some strategic methods to give more effectively.   DON’T […]

How Reputable is your Charity?

Giving to charity is as American as apple pie. U.S. News and World Report in fact ranks the United States as the most generous country on earth1. However, there are some unscrupulous actors out there so before you give, take a few points under consideration. First, there are many scammers more than willing to take […]

5 Follow-Ups for Success

  By Mason Jones, CFP®   It is easy to forget why we are here, what we want, and most importantly, what we value because of the mundane details of everyday life. With that said, since we are a month into the new year, there is no better time than right now to share a […]

What Activities may Affect your Medicare Premiums Down the Road?

By: Lynda Tull, Associate Advisor Have you heard of the IRMAA in regards to your Medicare Part B and Part D premiums? Chances are, if you have then you likely are paying these extra surcharges.   These “surcharges” or additional insurance premiums increase your regular Medicare premiums when your Modified Adjusted Gross Income (MAGI) on your […]

January Effect – Should Clichés Impact Your Investment Decisions?

Written by Darren Wilcox, CFP®, J.D.   Most everyone is relieved to have 2020 finally in the rearview mirror. As the calendar rolls over to a new year it brings up discussion of a stock market phenomenon known as the January Effect. For those unaware, the January Effect is essentially the belief that no matter […]

6 Ways to Keep your Financial Health in Check During Covid-19

By Darren Wilcox, JD, CFP® With the fall in temperatures has come a rise in the number of COVID-19 cases, and unfortunately we are all impacted in some way by this virus. While social distancing, wearing a mask, and avoiding non-essential travel are all great ways to reduce your likelihood of contracting COVID-19, here are […]

Trick or Treat? The New Payroll Tax Deferral

By Kelly M. Lewis, CFP®, JD, LLM   Check your most recent paystub dated after September 1st, 2020. Did your paycheck increase without you actively making any changes to it? If you make less than $104,000, then it might be because of President Trump’s new payroll tax deferral that is now in effect through the […]

5 Steps to Rebuilding Emergency Funds After an Emergency

Written by Sarah E.J. Collier, J.D. You saved, saved and then saved some more to establish your emergency fund. Saving the 3-6 months’ worth of expenses to establish your emergency fund was no easy task. However, you just went through a financial emergency and drained your emergency fund. While this can make you feel defeated, […]

Beyond the Numbers: Building a Realistic Spending Plan

By Andrew Baron, CFP® The first thing to do when beginning a financial plan is to develop a spending plan. The plan should be both comprehensive enough to effectively keep track of all the moving parts and simple enough to be useable. It’s difficult to follow a plan if you barely understand it! At the […]

How Might the CARES Act Apply to My Taxes? Consider These 3 Tax Planning Opportunities.

Written By:  Amanda L. Herrick Smith, CFP®     The CARES Act along with the recent market volatility has led to some interesting tax planning opportunities for individuals to consider this year. The following are three recommendations that may help to ease the financial impact of the pandemic.   Roth Conversions – As a result […]

A Guide to Tackling Estate Planning for the Horse Owner

By Sarah E. J. Collier, JD As seen in the New York State Horse Council’s 2019 fourth quarter newsletter. It is not a hidden secret that horses are very expensive to own. A recent expense report I completed totaled the annual expenses for a ten-year-old horse, stabled at a boarding facility, at approximately $6,500 per […]

Financial Considerations Under the CARES Act for Federal Student Loan Borrowers

By: Sarah Collier, J.D. Due to the CARES Act, qualifying federal student loans are being placed in an administrative forbearance with a 0% interest rate effective March 13, 2020, through September 30th, 2020. On August 8, 2020, President Trump directed the Secretary of Education to extend the student loan relief until December 31, 2020. This […]

Situational Awareness…Tips to protect yourself in the age of Covid-19

By: Elizabeth K.B. DiPietrantonio, J.D., Associate Advisor My parents used the phrase “situational awareness” a lot with me while I was growing up; okay, they still use it. In non-work situations, I am often easily distracted. I get excited about whatever is happening and become a bit, well, scattered. I tend to lose things i.e. […]

Protecting Your Retirement in Times of Crisis

By Peter Plevritis, Associate Advisor   Is your retirement plan immune from the coronavirus? As coronavirus made waves in the news in late-February and early March that it was here in the United States, the stock market reacted. Since then, with glimmers of hope, we have seen a few bounces in the markets. This volatility […]

Breaking Down the CARES Act – Specific Planning Opportunities

By:  Mason M. Jones, CFP®, Advisor As the saying goes, April showers bring May flowers. While the trees continue to bud and flowers bloom, families and businesses across the country continue to struggle with COVID-19 uncertainty. The CARES Act made its way through Washington quickly and covers a lot of ground. The $2.2 trillion deal was […]

5 Tips for those Invested in the Stock Market during a Downturn

By Amanda Herrick Smith and Cynthia Rivera The effects of an escalating coronavirus outbreak has sparked universal anxiety in investors as the stock market took a nosedive and posted its biggest loss since the 2008 financial crisis. In light of what looks like another volatile week, many investors wonder whether to sell, do nothing or […]

Budgeting during the Covid-19 Crisis

By: Peter L. Plevritis, Associate Advisor The coronavirus has led to a near shutdown of local businesses and the U.S. economy. During this time of financial uncertainty, it may be prudent to build a budget that works for you and your family. We understand this will not be easy in the midst of a pandemic, […]

What do Medicare premiums and charitable giving have in common? One may be able to save you money on the other…

Updated August 3, 2022 By: Brandi Graham, CTFA, CFP®, Senior Advisor   If you make gifts to charity and are required to take a required minimum distribution (RMD) from your individual retirement account (IRA), you may be able to reduce your Medicare premium. If you’re wondering what Medicare premiums and charitable giving have to do […]

Finding Someone “Halfway Decent” …A Guide to Navigating Internet Dating from your Financial Planner

  By: Elizabeth K.B. DiPietrantonio, J.D. My client base is full of fabulous women! The majority are over 60. A lot of them are widowed and divorced. Most of them are wealthy. As a very young widow myself I can understand just how confusing it is to suddenly find yourself single in the year 2019. […]

Holiday Financial Gift Guide

As we’re approaching the giving season, I wanted to throw out a few unique ideas for last minute financial holiday gifts. Now, when I use the term “financial gifts” I mean something that is not your typical physical gift. Here are a few thoughts I had:   1. 529 Plan Contributions – A 529 plan […]

Jolly Holiday Spending

The dreaded Holiday shopping season is almost upon us! If you’re anything like me, you don’t even think about it until the season is upon us and it’s too late. I’m a last minute online shopper! This can result in a bit too much overspending because I don’t have time to shop for deals or […]

Common Financial Failures and How to Fix Them

Almost all of us have financial skeletons in our closet. Whether we knew it was a mistake when we made it, or realized it shortly thereafter, we seem to have those “ouch” moments that we’re embarrassed to talk about. Well ladies, we can’t change the past, but we can change the future. You should never […]

Prior Income Determines your Medicare Premium

By: Lynda Tull, Associate Advsior   Did you know that you may have to pay a higher premium for Medicare Part B and Medicare Part D based on a tax return from 2 years ago? Medicare Part B and Part D use a two-year clawback to determine premiums. The result is a surcharge, known as […]

The Real Cost of Not Enrolling in Medicare When Eligible

  By: Lynda Tull, Associate Advisor Medicare is confusing. The main Medicare coverages are Medicare Part A, Medicare Part B, and Medicare Part D. On top of that, there are also optional Medicare supplement and advantage plans. To make things more confusing, you could get stuck with a late enrollment penalty for all your main […]

Back to School Shopping on a Budget!

I remember in fourth grade, my uncle bought me these really beautiful (actually hideous, but not to my 4th grade self!) peach corduroy overalls, a white floral puffy sleeve shirt, a striped peach wool sweater to wear over it, and some brown boots to complete the outfit. I got to my first day of school […]

Equifax Breach Settlement: Additional Compensation Details

Equifax Breach Settlement: Additional Compensation Details Written By: Lynda Tull, Associate Advisor So you are thinking about or have submitted a claim for alternative reimbursement compensation instead of taking the free credit monitoring services. Below is some additional information on the claims for additional cash compensation. Note that in order to have an eligible claim […]

Equifax Breach Settlement: Basic Settlement Options

Written By: Lynda Tull, Associate Advisor   Were you one of the 147 million people affected by the Equifax data breach that happened in September 2017? If so, you may be eligible for some form of compensation. On Monday, July 22nd, the Federal Trade Commission ruled that Equifax will have to pay up to $700 […]

Five Budget-Friendly Summer Day Trips For You and Your Girlfriends

Sometimes I wish summer had 8 days of the week! To be clear, I want the eighth day to be another Saturday, NOT another Monday. I also wish I got a “summer raise” every year, where I get paid more every summer to cover the expenses of all the exciting extra adventures that always seem […]

John Ullman featured as a panelist at the 2019 Economic Forum Highlighting Corporate Park

The Chemung County Chamber of Commerce recently shared the March edition of their newsletter “Today’s Chamber“. The first story highlights the 26th Annual Economic Forum which was held February 20th at the Holiday Inn. John Ullman, President of John G. Ullman & Associates, was featured as a panelist at the annual event. During his presentation […]

March Money Madness

March Money Madness Hello wonder women of the world! Question: Did you get your balance sheet together in February? I have to say, I was quite proud of the beautiful layout I designed for you! Nothing like a little pink and purple to make finance funsies!!  Okay, now that you’ve completed the trek through your […]

“Being In the Know” as a Visitor to Equine Facilities in New York State

Passed in 2017, The Safety in Agriculture Tourism Act (“The Act”) affects the liability of business owners and visitors to agriculture tourism destinations such as indoor and outdoor equine activities. In addition to limiting the business’s liability, The Act imposes duties and responsibilities on the visitors to these facilities. Who is a visitor? The Act […]

“Being In the Know” as an Owner-Operator of Equine Facilities in New York State

Passed in 2017, The Safety in Agriculture Tourism Act (“The Act”) affects the liability of agritourism business owners-operators and the visitors to these destinations, including those that offer indoor and outdoor equine activities. The Act limits the owner-operator’s liability provided they comply with the duties and responsibilities imposed on them. How does The Act limit […]

February Taking Stock: What do I have and where is it?

February Taking Stock: What do I have and where is it? Have you ever felt so overwhelmed with everything financial that you don’t know where to start? And because you don’t know where to start….you just put it off? This month, I want to help with that overpowering feeling. I want us all to take […]

When It Comes to Succession Planning, Timing is Key

By Andrew Baron, CFP®   You have built a business. You have overcome obstacles and celebrated successes. With your continued efforts, your business has provided for your family and your employees alike. When considering the sale of your business, the timing can present complications affecting others both directly and indirectly. First, the timing of the sale […]

Four Basic Components of Succession Planning on the Family Homestead

By Sarah Collier, J.D.   Growing up on a small farm, I know all too well that farmers take pride in their hard work on the farm. It’s those memorable events like three generations working together to build a barn that are the reasons why the farmer wants the family homestead to pass from generation […]

A Conversation with Lizzy DiPietrantonio about the Wild World of Internet Sales

Lizzy DiPietrantonio, J.D. is a good friend and colleague of mine. Shes an Advisor at the same firm I work at (JGUA) and is an invaluable resource! We bounce ideas off of each other all of the time. Both in work life and our personal lives. This girl knows what she’s talking about! She, like most of […]

One Financial New Year’s Resolution: And How to Keep it!

Welcome to “Womansplaining: A Financial Wellness Blog for Women, by Women”. Womansplaining is the brain-child of JGUA Advisor Kelly Lewis. Kelly is a Certified Financial Planner (CFP®) with an impressive legal background, having practiced as a licensed attorney in the Washington DC area before beginning her career in finance with JGUA in 2014. Kelly will […]

Step 1: Learning to Save

Life just gets in the way! That is a phrase I often hear as an excuse for not getting something done. In fact, those words are a frequent player in my own personal bank of excuses! The same is true when it comes to personal financial decisions. There’s always going to be something or someone […]