INSIGHTS

Medicare beneficiaries can make new choices and pick plans that work best for them during the annual Medicare Open Enrollment Period. Each year, Medicare plan costs and coverage typically change. In addition, your health-care needs may have changed over the past year. The Open Enrollment Period — which began on October 15 and runs through December 7 — is your opportunity to switch your current Medicare health and prescription drug plans to ones that better suit your needs.During this period, you can: Switch from Original Medicare to a Medicare Advantage Plan Switch from a Medicare Advantage Plan to Original Medicare Change from one Medicare Advantage Plan to a different Medicare Advantage Plan Change from a Medicare Advantage Plan that offers prescription drug coverage to a Medicare Advantage Plan that doesn't offer prescription drug coverage Switch from a Medicare Advantage Plan that doesn't offer prescription drug coverage to a Medicare Advantage Plan that do...

By: Sarah K. Charles, CSRIC™, AIF® / Director of Business Strategy and Bill Laird, CFA®, CFP® / Chief Investment OfficerA Look Back (Because Hindsight is 20/20) Sarah K. Charles, CSRIC™, AIF®The new fall season of TV boasts 25 reboots. Imagine.  Twenty-five TV shows that have come and gone and are now back again – revived or reimagined; and while I love Frasier Crane as much as anyone, it seems as if we have run out of ideas for new content and find ourselves with no other option but to recycle the characters and storylines of the past.It’s not just the fall TV line-up where stories are being recycled.    Each quarter, when I sit down to write this newsletter, I have one primary objective: find the story that’s been garnering the most headlines in the financial media – and explain it by looking through the lens of financial science instead of what will sell the most advertising.  ...

While women are confident in many areas of their financial lives, they have historically felt less confident or no confidence when it comes to investing. Why? Sarah Charles begins with the question “What is confidence?,” a question that Kitty Kay and Claire Shipman set out to answer in their New York Times bestselling book The Confidence Code. She then takes the lessons learned from The Confidence Code and applies them to the basic principles of investing on the hopes that more women will answer “Yes” when asked: are you confident when it comes to investing?VIEW WEBINAR RECORDING HEREVIEW WEBINAR RECORDING HERESpeaker:Sarah Charles, CSRIC™, AIF® / Director of Business Strategy, Sr. Financial Advisor, DHG Wealth AdvisorsDate: November 1, 2021Time: 2:00 PM - 3:00 PM ESTCPE: 1 hour CPE, pending approvalCPE Information: CPE Credit: One hour of CPE (pending approval) Delivery Format: Group Internet Based Prerequisites / Advanced Preparation: ...

October is the kickoff season for financial aid. That's when incoming and returning college students can start filing the Free Application for Federal Student Aid or FAFSA, for the next academic year. The FAFSA is a prerequisite for federal student loans, grants, and work-study, and may be required by colleges before they distribute their own institutional aid to students.How do I submit the FAFSA?The FAFSA for the 2022-2023 school year opens on October 1, 2021. Here are some tips for filing it. The fastest and easiest way to submit the FAFSA is online at studentaid.gov. The site contains resources and tools to help you complete the form, including a list of the documents and information you'll need to file it. The online FAFSA allows your tax data to be directly imported from the IRS, which speeds up the overall process and reduces errors. Before you file the FAFSA online, you and your child will each need to obtain an FSA ID (federal student aid ID), which you can also do onl...

Retirement is changing, and chances are, your golden years are going to be very different than your parents’ or grandparents’. Prepare yourself for the challenges and opportunities of the new retirement landscape with this interactive workshop. DHG Wealth Advisors will show you how to get the best retirement possible with the money you have.

The National Woman’s Law Center has reported that female workforce participation has dropped down to 57% since the beginning of the COVID-19 pandemic.Emerging stronger from the COVID-19 pandemic is top of mind for everyone. One of the biggest upcoming challenges is women returning to the workplace. Whether you are going fully back in the office, a hybrid work situation, plan to stay fully remote or are planning on re-joining the workforce we will discuss best practices and tips.Date: September 21, 2021Time: 2:00 PM – 3:00 PMSpeakers: Sarah Charles, CSRIC™, AIF® / Director, Financial Advisor, DHG Wealth Advisors Alice Grey Harrison, APR, Corporate Communications Leader, DHG Shannon Brown, Business Development Executive, DHG Deneen Keegan, CPA, Assurance Senior Manager, DHG Katherine Johnson, Executive Assistant, DHGWATCH HERE

Recently, Dimensional Fund Advisors (DFA) announced that they would be converting several existing mutual funds to exchange traded funds (ETFs), and we wanted to share  important information about the conversion. This is their second conversion of existing funds to ETFs. The first successful conversion took place this May.The funds impacted by this change are listed below:Fund Objectives Will Not ChangeIt is important to note that the investment objectives of these funds will not be changing. DFA believes the conversion to an ETF structure will be a benefit to shareholders through potentially greater tax efficiency, which is complementary to the investment objective of the tax-managed funds that are designed to maximize after-tax returns. The funds will also have a lower expense ratio post-conversion (a reduction of 27% on average).Tax Consequences of ConversionThe conversion from mutual funds to ETFs will be organized as a tax-free event for US tax purposes so we anticipate ...

Navigating the professional world as a woman comes with its own unique set of challenges. Join DHG’s team members for insights into how to find positions that best fit your needs and how to grow your career.

Many feel the biggest mistakes people make with their money are things like not having enough saved for retirement, not having a long-term approach to investing or not having a financial plan.

10 key principles to improve your odds of investing success.