Making Sense of Your 401(k) Options

For most participating in a company 401(k) plan, it can be difficult to confidently create a portfolio that aligns with one’s financial goals and objectives. The challenges vary from the confusion around expenses to the limited menu of stock and bond mutual fund options; not to mention the illusion of diversification. So how do you […]

Financial Planning When You Find Love, Again

Second marriages can be complicated, especially if children from a previous marriage are involved. Open discussions about financial matters followed by agreed-upon decisions and actions will go a long way in improving the relationship.   For weekly insights, follow The Welch Group every Tuesday morning on WBRC Fox 6 for the Money Tuesday segment.   […]

The Eviction Moratorium Ends

The eviction moratorium was established early in the Covid-19 pandemic to provide relief for those struggling to pay rent due to the impact of Covid related health and financial issues. The initial moratorium technically expired on July 31, 2021, but the Centers for Disease Control  (CDC) attempted to extend it without the proper legal authority […]

Is Your “Safe” Money Safe?

Recently a company based out of California that promotes buying gold suggested that banks no longer provide FDIC insurance for your savings and deposits. This misinformation has lead to a lot of angst for depositors, so I thought it was a good time to discuss your ‘safe’ money. For the broad general public, there are three […]

Let’s Talk About Time Value of Money

So far in our SquareOne Financial Foundations blog, we have discovered the importance of saving for emergencies and the different options to earn better interest rates on emergency savings funds. Before we jump into saving for retirement and paying off debt, let’s take a moment to examine one of the most important lessons you can […]

Investing: A Game of Probabilities

One of the hardest things for many to understand about investing is the fact there are no certainties.  Investing is a probabilities game, and we must continuously attempt to allocate capital in a way that gives us the highest probability of success over the short, near, and long term.  There are various techniques used to […]