According to Vanguard’s “How America Saves 2024,” 82% of employers offer a Roth 401(k) option in addition to a traditional, or regular, 401(k) option.
View More
Blog
Roth or Regular?
June 17, 2025Retirement in Motion
May 15, 2025
According to the Employee Benefit Research Institute, nearly 1 in 3 retirees (31%) say they spent more than they can afford in 2024—up from just 17% saying the same in 2020.
View More
Invest in Their Future
May 7, 2025
Looking for a great way to invest in a child’s future? A tax-advantaged 529 college savings plan is specifically designed to help families save for future college expenses.
View More
How Artificial Intelligence is Used in Cyberattacks
April 23, 2025
According to the FBI, cybercriminals are becoming more sophisticated in their attacks by leveraging artificial intelligence (AI) to conduct social engineering attacks.
View More
Loud and Proud
April 16, 2025
As a financial management strategy, loud budgeting is a relatively new and simple concept. It involves turning down social opportunities outside of your budget, such as an impromptu dinner or an expensive weekend getaway.
View More
Set For Life
April 1, 2025.jpg)
For many people, life insurance is a key component of a comprehensive financial plan. Determining how much you need is a crucial step in ensuring financial security for your loved ones in the event of your passing. While there's no one-size-fits-all answer, completing these planning tasks can help you figure out the right amount of coverage for your needs.
View More
Traveling Safe
March 19, 2025
As more of our transactions take place in the digital world, more of our personally identifiable information (PII) is available to others. While PII provides the ability to quickly identify individuals, it also allows bad actors to steal your identity and act on your behalf without your consent.
View More
Reality Check on Your Retirement Savings
March 4, 2025
Whether you're 23 or 35, it's important to know whether you are saving enough for your retirement. There is no time like the present to ensure you are allocating enough funds to your retirement account.
View More
Deepfakes
February 21, 2025.jpg)
With the growth of technology, we've seen the evolution and adoption of artificial intelligence (AI) skyrocket. Looking to simplify or to innovate upon existing business, cyber criminals are using these same tools for more sophisticated cyberattacks to commit identity theft or financial fraud.
View More
Getting Better With Age
February 13, 2025
Since their launch in 1981, 401(k) plans have grown to become the most popular company retirement plan in the United States.
View More
Romance Scams
February 3, 2025
Romance scams are a popular way for cybercriminals to exploit individuals to commit financial fraud.
View More
Dear Diary
January 23, 2025
Journaling is the practice of writing down your thoughts, feelings and experiences — a pen, pencil, keyboard or any other writing tool you have available will do.
View More
Application Security & Privacy
January 16, 2025
While most device users utilize applications (“apps”) in their day to day lives, there are also security and privacy controls that need to be considered when using popular apps on your devices.
View More
Protect Your Social Media Accounts
January 2, 2025
Handle With Care
November 28, 2024
According to Bank of America's 2024 Workplace Benefits Report, 52% of the workforce identify as caregivers. Employees balancing their job duties with the demanding responsibilities of caring for a family member face several significant challenges.
View More
Help Prevent Scams Targeting Older Adults
November 21, 2024
Face it. We’re all getting older. And, while age comes with wisdom, it can also come with vulnerability.
View More
Planning Your Financial Future
November 14, 2024
Do you have a financial plan that will help you send your kids to college, take the trips you've dreamed about, and enjoy your golden years? If not, you may want to start planning now.
View More
The Benefits of Being Kind
November 7, 2024
If you've received a cup of coffee or a fast-food meal that was paid for by the driver ahead of you in a drive-through line, you know that random acts of kindness can make you smile and improve your day.
View More
Getting Married Later In Life
October 31, 2024
Sometimes life gets in the way of love, keeping people from "walking down the aisle" until later in life. If you're middle-aged or older and are planning to get married or cohabitate with your partner, there are some potentially awkward issues you should probably talk about to make sure you're on the same page.
View More
Election Season Scams
October 24, 2024
Election season in the United States is a time of profound civic engagement; however, bad actors will take advantage of the Election Season to try and defraud individuals or seek personal information.
View More
Avoiding Scams
September 25, 2024
Scams are a method where cybercriminals utilize deceptive tactics in order to trick potential victims into engaging in financial fraud. As the digital world continues to grow, scams become more and more prevalent and accumulate billions in losses each year.
View More
Puppy Pay Care
September 16, 2024
Are you thinking about bringing a loyal, frisbee-chasing, treat-seeking, sock-stealing, face-licking, tail-wagging, bed-cuddling Canis familiaris into your life? If so, you’re in good company. According to Forbes Advisor, 65.1 million U.S. households own a dog, making it the most popular pet by far (cats are second, at 46.5 million households).
View More
Breaking Down the Real Costs of Purchasing a Home
September 6, 2024
You’re finally ready to move up from your rental unit to your own home. Before you start searching for a home, understand how much money you’ll really need. Be prepared for the myriad expenses that you must add to the purchase price to see the whole picture.
View More
Credential Theft
August 30, 2024
Social engineering continues to be a problem and as bad actors continue to evolve their attack methods, credential theft is a popular tactic used to steal usernames or passwords.
View More
Bonding Time
August 22, 2024
When investing for retirement, many people choose a strategy that primarily includes stock funds. Although they represent a higher degree of risk, they offer the most potential for growth over the long term. During these times of economic uncertainty, however, you may be questioning your tolerance for risk.
View More
Budgeting For A Family
August 14, 2024
Starting a family is one of life’s most rewarding experiences. However, it will also profoundly impact your financial picture, with a list of expenses that grows by the year. (One estimate pegs the total expenses for a child’s first 17 years at $336,616.)
View More
Phone Smart
August 5, 2024
Most people use smart phones to do a great many things daily. These things might include completing the daily Wordle, communicating with loved ones, checking sports scores or transferring money. Many people also use it to check their retirement account balance, book a flight, tell people that they’re running late or find their way around an unfamiliar city. And those are just a few examples of many.
View More
Advertisement Fraud
July 25, 2024
Bad actors are constantly evolving their tactics to successfully commit fraud. As we continue to shop online, bad actors find more ways to target our commercial thoughts, creating a scam called Advertisement Fraud.
View More
Finding The Right Work-Life Balance
July 18, 2024
At home or at work, our well-being relies on finding the right balance in our life. But finding the right work-life balance isn’t always easy—and was particularly challenging when the U.S was in full pandemic mode, with more employees working remotely from home as businesses, schools, childcare resources, and families adapted to lockdowns and other restrictions.
View More
AccountView 2.0 Cybersecurity
July 12, 2024
LPL Financial takes the security and privacy of our products seriously. To safeguard data, we advocate for security in the conception, design, and implementation of our investor-facing platforms, like Account View 2.0. We strive to build the most innovative, secure, and empowering tools for financial professionals and their clients, and encourage our third-party partners and the industry to join us in that commitment.
View More
Could A Trade School Be In Your Future?
June 28, 2024
When high school seniors start to get their college acceptance letters, some students (and their parents) measure their success rate by how well-known and respected the colleges that accepted them are. Did they get in to an Ivy League school? One of their state’s top colleges? Or, will they be going to trade school?
View More
Better Together
June 20, 2024
Are you in the phase of life where you are closer to retirement than to the start of your career? If so, now is a great time to begin planning for life after work with your spouse or partner, including your mutual hopes, dreams and financial goals.
View More
Smart Move
June 14, 2024
Financial goals play a crucial role in the pursuit of financial wellness. Whether it’s paying off credit card debt, saving for retirement, making a down payment on a home — or any other goal — they help guide your actions, habits and decision-making.
View More
Playing the Long Game
June 7, 2024
Only 12% of U.S. adults have strong longevity literacy, meaning that they demonstrate an understanding of how long a 65-year-old today will live on average, as well as the likelihood of living to an advanced age versus the likelihood of dying relatively early.
View More
Investment Scams
May 29, 2024
Based on the FBI’s most recent internet crime report, investment fraud saw a 38% increase in 2023 with losses accruing up to $4.57 billion dollars. It is important to note that the FBI has seen investment scam losses increase exponentially since 2020, showing no signs of slowing down.
View More
Minimizing Credit Card Debt When You Retire
May 23, 2024.jpg)
Credit card usage is ubiquitous for Americans. Online purchases are just a click away when paying with a card, while other transactions — car rentals, for instance — require a credit card for both payment and security.
View More
Making Sense of Your Credit Score
May 17, 2024
Credit is an important tool for many Americans. If you need to apply for a loan or credit card, lenders or card issuers will rely on your credit history in evaluating your credit worthiness and whether to proceed.
View More
Managing a Budget During Your Retirement
May 13, 2024
Unless you have accumulated substantial wealth where money is not a concern, you face a critical task when you reach retirement: making sure that your assets will support you through your lifetime.
View More
Many Workers Wonder When (And If) They'll Retire
May 2, 2024
Retirement is supposed to be our “golden years,” but many Americans worry there will be nothing “golden” about it—and they might even have to cut back and scrape by to pay their bills (or keep working). NerdWallet reported in 2023 that 27% of Americans saved less than they normally would for retirement in the previous 12 months due to inflation. Stock-market downturns and higher taxes have also challenged retirement finances for both retirees and those who are nearing retirement.
View More
CARING FOR AGING PARENTS
April 24, 2024
Many adults have aging parents who are in need of health-care and living assistance. There are a number of resources today that can help them grow old gracefully, either in their existing home or in a facility, along with multiple options for financing the cost of the care.
View More
THE TWO FACES OF DEBT
December 11, 2023
Understanding Good Versus Bad Debt Can Help You Make Smart Financial Moves
View More
CLEARED FOR TAKEOFF
December 11, 2023
Planning To Retire Within Five Years or so? Include These Three Exercises in Your Flight Plan
View More
Harborfront Financial Group Announces Certified Financial Planner™ Designation,
September 1, 2023.jpg)
Harborfront Financial Group Announces Certified Financial Planner™ Designation, Introduces New Financial Advisor
View More
FINANCIAL TRAPS TO AVOID
June 13, 2023
There’s a reason why even athletes, entertainers, and business people with seven-figure (and higher) incomes suddenly find themselves filing for bankruptcy. Money mismanagement can eat through even the biggest bankrolls. Here are some specific threats to financial stability that people can avoid to help effectively manage their wealth.
View More
CONSIDERATIONS WHEN PURCHASING LIFE INSURANCE
May 31, 2023
There are a number of different life insurance products and features to consider when evaluating plans.
View More
BEYOND RETIREMENT: CONSIDER YOUR OTHER GOALS
May 22, 2023
When it comes to financial stability, people tend to focus on paying off debt and saving for retirement. In reality, many other financial goals beckon to individuals during their lifetime. Because of this, it’s important to look beyond retirement when setting targets, no matter how old you are.
View More
WHAT HAPPENS TO YOUR RETIREMENT PLAN WHEN YOU SWITCH JOBS
May 1, 2023
Congratulations on your new job! As you navigate through a new onboarding process, you stop suddenly when you get to the discussion of retirement plans. And then you think: What about my plan at my previous employer? What do I do with the money in that account?
View More
PLANNING FOR HEALTH CARE IN RETIREMENT AT ALL STAGES
May 1, 2023
No matter when you plan on retiring, health care costs impact your budget at every stage of life.
View More
Investing is a lifelong process
April 11, 2023
Investing is a lifelong process, and the sooner you start, the better off you may be in the long run.
View More
RETIREMENT LEAVES YOU WITH A FINITE AMOUNT OF MONEY. BE SMART AND MAKE A PLAN.
April 3, 2023
Many retirees share the common dread of outliving their money.
View More
START YOUR DAY OFF WITH WATER
March 24, 2023
Start Your Day Off With Water
View More
GONE PHISHING: PROTECTING AGAINST ONLINE ATTACKS
March 14, 2023
Identity theft compromises the personal data of millions of Americans every year. There are steps you can take to minimize your online risk and protect your sensitive data from cyber-attacks.
View More
ELIMINATE THE GUESSWORK
February 17, 2023
Creating an estate plan is a key component of achieving financial wellness
View More