Full Circle Financial

Other than a health emergency, few events are more stressful and disruptive to retirement strategy than an unexpected job loss or layoff. For many, it’s not just a hit to finances but also to confidence and sense of self.

Retirement Strategy After a Job Loss Use this article with clients and prospects facing job loss or layoff.

Compare your taxable investment to a tax-deferred one. The results may surprise you.

Comparing Investments This calculator compares the net gain of a taxable investment versus a tax-favored one.

Do you know the difference between a global mutual fund and an international mutual fund?

Global and International Funds Investors seeking world investments can choose between global and international funds. What's the difference?

How long will your retirement money last with regular withdrawals? Have you run the numbers?

A Look at Systematic Withdrawals This calculator may help you estimate how long funds may last given regular withdrawals.

Financial fraud has evolved into a sophisticated and pervasive threat. Scammers have refined their tactics, making it more crucial than ever for individuals to stay vigilant and informed. See below for insights and tips to protect yourself

Stay A Step Ahead: Vigilance Against Financial Fraud Being proactive is your best defense against financial fraud. By staying informed and cautious, you can protect your hard-earned money and personal information. Remember, when it comes to your financial security, it's better to be safe than sorry.

From Fed rate cuts to record highs, Q4 wrapped up a strong year for markets. Our January Quarterly Market Insights breaks down what drove performance and what investors are watching in 2025.

Quarterly Market Insights | January 2025 The Standard & Poor’s 500 Index rose 2.07 percent, while the Nasdaq Composite surged 6.17 percent. By contrast, the Dow Jones Industrial Average edged up only 0.51 percent.1

Just because you’re under 65 years of age doesn’t mean you don’t qualify for Medicare. There are a few specific scenarios where you are eligible earlier. Learn more:

Qualifying For Medicare Under Age 65 You might qualify for Medicare if you’re under 65-years-old. This article will explain the conditions where you may qualify for Medicare early.

Some firms create a “sources and uses of funds” statement to evaluate operations. What does yours say?

What Is My Current Cash Flow? Assess whether you are running “in the black” or “in the red” each month.

Your home mortgage interest may be deductible. Do you itemize your deductions?

Home Mortgage Deduction Use this calculator to assess the potential benefits of a home mortgage deduction.

What every parent needs to know about insuring his or her .

Buying Auto Insurance For Teen Drivers Tips on insuring your teen driver.

Learn about Medicare Advantage and the choices it offers you for health care coverage, prescription drugs, and more.

Medicare Advantage 101 Overview of Medicare Advantage, what’s in them, special rules, and more.

Tax deferral can have a dramatic affect on the growth of an investment. Know what's at stake.

Annuity Comparison This calculator compares a hypothetical fixed annuity with an account where the interest is taxed each year.

For many, retirement starts a new phase of life. Are you getting prepared for your new phase?

Saving for Retirement This calculator can help you estimate how much you may need to save for retirement.

Wishing you a wonderful holiday filled with joy and love!

What will your family do if you can't earn an income? Here are steps you can take today.

Disability Income This calculator estimates your chances of becoming disabled and your potential need for disability insurance.

Extended-care insurance is one of the most complex types of insurance you may consider. Learn more.

What to Look for in an Extended-Care Policy Here’s a list of 8 questions to ask that may help you better understand the costs and benefits of extended-care insurance.

What did it take to become the richest man in Babylon?

The Richest Man in Babylon In good times and bad, consistently saving a percentage of your income is a sound financial practice.

Don’t get greedy when the market rises, and don’t panic when it falls. Sound advice—learn more.

The Cycle of Investing Understanding the cycle of investing may help you avoid easy pitfalls.