Broker Check

Your Financial Planner

Your Financial Checklist                                                                         

With the kids back to school, September is a great time to review your financial plan and budget for the upcoming holidays season. Take a moment to catch up on what you may have missed earlier in 2022 and prepare for what's ahead.

Taxes Deadline Sept. 15: Third Quarter 2023 Estimated Tax Payment Due: If you are self employed, make a payment towards your estimated income tax for 2023. If you have taxes regularly coming out of your paycheck, you don’t need to give this date a second thought.

Traveling for the holidays?: If you are planning to traveling for the holidays, begin tracking flight prices to know when there is a good deal. Domestic flight prices can jump significantly if you wait until the holiday season has begun. 

Open enrollment for employee benefits: Before auto-enrolling, review your employee benefits (HSA, 401k*) and evaluate changes in your life. Choose the most "cost effective" coverage based on your calculated needs, not just premium price. Take the time to adjust and update your coverage to suit the needs of you and your family. Talk to your Financial Advisor on how you can maximize your benefits that contribute to your total financial picture.

Make an appointment to review your portfolio with your Intelligent Investment Management adviser: Contact your Advisor here

Celebrate Labor Day, Monday, September 4, 2023

Labor Day has been celebrated on the first Monday of September since 1882!

Beginning in New York City as a holiday to honor the workforce, Labor Day was finally recognized as a National Holiday by Congress in 1894. This National Day of Observance marks the end of summer and one last chance for many to celebrate their hard work throughout the year. Picnics, camp outs, family gatherings as well as the last holiday before the beginning of the school year in many states, Labor Day is a time to relax and reflect on those that have worked hard to build this country.

                                                                                                     September Happenings

National Read A Book Day <br/>

National Read A Book Day

One habit all successful people do is read regularly. Warren Buffett once estimated he spends 80% of the work day reading and thinking. When asked how to get smarter, Buffett stated “read 500 pages like this every week. That’s how knowledge builds up, like compound interest.”

Other positive side affects of reading include reduced stress, improved ability to focus, and increased sleep quality.

This September 6th, start a new chapter in your daily life. Reconnect with a story you've already started, or explore a new book in any genre. For ideas, click below for a list of books recommended by Warren Buffett.

information from:

53 books recommended by Warren Buffett
National 401(k) Day<br/>

National 401(k) Day

Following Labor Day Monday is National 401(k) Day Friday, September 8th. For 2023, the 401(k) contribution limit for employees is $22,500, or $30,000 if you are age 50 or older. Remember, any match made by employers does not count towards the employee's annual contribution limit.

National 401(k) Day exists to help bring awareness to Americans about the importance for saving for retirement. If you don't already know, find out if your employer offers a 401(k) plan. This is especially true if your employer matches your contributions. In 2021 the average employers match was 4.5%. Make sure you are not passing on free money.

information from:

Learn more about 401(k)s
National Public Lands Day

National Public Lands Day

National Public Lands Day was established in 1994 and has been organized annually by the National Environmental Education Foundation in partnership with the National Parks Service for 30 years. The theme for 2023 is  "30 Years of Care and Community".

National Public Lands Day celebrates the connection between people and nature, and thrives to educate and inspire environmental stewardship. Colorado is home to nine participating National Parks where entrance into the park is free on Saturday, September 23rd. Click below to view a list of all national parks by state participating in free entrance days. 

information from:

National Public Lands Day Free Entrance Days