Answering Your Kids Toughest Money Questions

Kids ask tough questions about money. It’s how they learn. As a parent, these are teachable moments that offer a chance to impart some financial wisdom to them.  Start by asking them questions for clarification. After all, “Why does a lawyer always answer a question with a question?” Answer: “Why shouldn’t a lawyer answer a […]

3 Lesser-Known Milestones as You Enter Retirement

As you may already be aware, the earliest someone can begin drawing Social Security benefits is at age 62.  As you enter the red zone for retirement or perhaps are already retired, I want to share 3 less common retirement age milestones that are important pieces of your overall financial plan. The first of these […]

Wealth Concentration Risk

Simply put, Concentration Risk is having too much of your net worth tied up in one investment. The investment could be an individual stock-we see this a lot with equity compensated folks that receive stock options. Another example could be real estate which is also common. At Marzano Capital Group, our general rule of thumb […]

Year-End Checklist

As 2023 comes to an end, it is time to ensure that you have taken care of a couple of things.  I’m going to share with you a checklist that will help you stay organized, informed and up to date. 401(k)/IRA/Roth IRA Contributions – The 2023 contribution limit for 401(k) plans is $22,500 with an […]

Nurturing Generational Wealth: Passing on More Than Money

In the realm of affluent families, securing a financial legacy is a common objective. It’s not merely about transferring wealth; it’s about imparting values, an endeavor that comes with its own set of complexities. Drawing from my experience as a financial advisor, let’s explore this vital issue. One concern commonly voiced by affluent parents and […]

Improving Your Financial Health

This year is almost in the record books and we hope that our readers have had an opportunity in 2023 to take away bits and pieces of useful information.  No one knows for sure what 2024 will bring us financially but there are always ways to improve your overall financial situation.  Empowering readers with useful […]

Calculating Home Affordability

You have your sights on that gorgeous house with the quintessential white picket fence. It is perfect in every sense. Before you dive into full-on HGTV mode, let’s address the big question: how much house can you really afford? It’s not solely about the mortgage payments; there’s a whole financial puzzle to piece together. Below […]

The Importance of Multiple Buckets

We save money for different purposes; retirement, travel, unexpected expenses, home renovations, etc. Here at Marzano Capital Group, we are big proponents of the “multiple bucket approach”.  Different buckets (or savings vehicles) should be used for different purposes.  Here are the different buckets I am referring to: All of these buckets/accounts are important and serve […]

Enhanced Benefits for 529 Plan Account Beneficiaries

Family members who planned ahead for college costs may now have an additional benefit available with the 529 college savings plans.  For families that have funds left over in their 529 accounts after college was paid for, there have historically only been a few ways to extract the funds.  Each way has its own set of […]