Byrke Sestok

High Net-Worth executives and those that have been self-employed, can experience common problems in their financial planning journey. Often, they have missed opportunities in their financial planning because they haven’t planned adequately for their retirement even though they make a high income. It’s easy to think that everything will work out with their retirement plan, …

High Net-Worth Individuals: Are You Missing Opportunities in Your Financial Planning? Read More »

An encore entrepreneur is a person who starts a new business or venture after age 55. They represent more than half of all business owners in the U.S., and for a good reason.1 These entrepreneurs have decades of work and life experience that may make them especially well-suited to navigating the often stressful and high-stakes world …

Retirement’s Second Act: Setting the Stage for Encore Entrepreneurship Read More »

Who are entrepreneurs? Sometimes they are the people who leave the corporate world to pursue their own dreams. In many cases, they may be individuals who have found themselves dislocated or “downsized” from a previous job. One characteristic is common to both groups, however: Entrepreneurs are self-made.   Most people aren’t born entrepreneurs; they develop …

Entrepreneurs aren’t Born, They’re Made Read More »

A recent survey by Caring.com found that a whopping two in three American adults do not have an estate plan1—an alarming statistic, considering that an estate plan can protect your assets and ensure that they go to the right people. If you have not begun to prepare an estate plan, or if your estate planning efforts …

An Essential Guide to Estate Planning Preparedness Read More »

For many, autumn is the best time of year. The return of cool breezes, comforting foods, and pumpkins can be invigorating. It’s also a bookmark of sorts, especially for your finances—a perfect time to take stock of your spending after the summer’s over to see what lies ahead. These tips can help you make simple, …

A Fall Financial Checklist Read More »

As you near age 65, you may start to think about Medicare. How do you sort through your coverage options? When (and how) do you enroll? And what if you have other health insurance? Here is some information to help you when it’s time to make decisions about Medicare. Medicare coverage basics Medicare, the federal …

Making Decisions About Medicare Read More »

One silver lining in the current bear market is that this could be a good time to convert assets from a traditional IRA to a Roth IRA. Converted assets are subject to federal income tax in the year of conversion, which might be a substantial tax bill. However, if assets in your traditional IRA have …

Now Might Be a Good Time for a Roth Conversion Read More »

In 2022, U.S. inflation hit a 40-year high, with prices for food, housing, gasoline, and other key staples increasing by nearly 10% over the previous year.1 During these uncertain times, stocks have continued a roller-coaster ride that has given heartburn to financial professionals and investors alike. For retirees and seniors on a fixed income, the true …

4 Tips and Resources to Help Seniors During Periods of High Inflation and Market Volatility Read More »

In golf, as in finances, there are a few rules of thumb that may improve your game: keep a level head, avoid traps, practice before trying something new and stay the course. Applying lessons from the golf course to your financial life and vice versa may help you improve your game in both arenas. Here …

3 Golf Tips to Keep Your Retirement Plan on Course Read More »

A life insurance policy is part of financial planning. Life insurance is there to help ease the financial trauma that comes with the loss of a spouse, parent, or partner. As you encounter different events in your life, you may need to review your policy and make changes. Here are five life events that may …

5 Life Events That Impact Your Life Insurance Needs Read More »