Wealth Management: What Does it Really Mean?

Wealth Management: What Does it Really Mean?

By Mary Jo Lyons, CFP® Clients often ask us “Exactly what is Wealth Management?”. Most don’t think of themselves as having wealth. Wealth Management is a concept advisors use to articulate the financial principles and strategies they use as they work with clients. Wealth management is a discipline that incorporates financial planning, investment management, tax [...]
Tax Updates and Information

Tax Updates and Information

The Tax Cuts and Jobs Act of 2017 ushered in a broad range of changes impacting virtually all American taxpayers. Along with rate adjustments across seven tax brackets, one of the biggest changes is the elimination of the personal exemption and the increase in the standard deduction, which has nearly doubled to $12,000 for single [...]
Dollar Cost Averaging

Dollar Cost Averaging

By Mary Jo Lyons Last year there was a lot written about dollar cost averaging, an old school investment strategy. What I have found is that many investors don’t really understand what it means. So I thought I’d provide an overview in our series on investment basics. What is it? Dollar cost averaging (DCA) is [...]
Investing With Your Values

Investing With Your Values

What Is Values Based Investing? Values based investing integrates Biblical guidelines with an investment portfolio. This method looks for companies to invest in that are making a positive impact on our society, as well as applying screening processes to avoid those that do not. Helping Clients Make Informed Decisions CIS Wealth Management Group provides potential [...]
There’s An App For That!

There’s An App For That!

CIS Wealth Management System Did you realize that you can check your account balances, access important documents and track your complete financial picture through the CIS Wealth Management app on your smart phone or tablet? The CIS app gives you instant access to all this and more from anywhere. If you don’t already have the [...]
Financial Advisor Vs Robo Investment Platform

Financial Advisor Vs Robo Investment Platform

The rise of automated “robo-investment” platforms—online services that use software programs to determine the user’s investment style and computer algorithms to manage and rebalance investment portfolios—have many investors wondering if this approach may be right for them. For certain investors, including young people just beginning to save, automated investment platforms can offer a lower-cost alternative [...]
Behind On Savings?

Behind On Savings?

It’s always best to retire with a comfortable cushion, but because of the tough economy and the volatile markets of the past few years, many Americans have had trouble saving enough. If you’re among them, you might consider the benefits of working a bit longer. The most obvious advantage is that it allows you to [...]
Are You Ready to Retire?

Are You Ready to Retire?

In a recent retirement planning study,* respondents were asked eight questions about retirement, including the estimated amount of savings they would need, what percentage of savings should be withdrawn each year, and how many years someone retiring at age 65 should expect to live in retirement. Not only did many miss the mark on these [...]