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Getting Frank Blog

All About Financial Planning

Published: 10/03/2022

No matter where you are in life, you may have at least a few financial goals. Perhaps you want to buy a house, save for your child’s college education, or retire early. Regardless of what your...

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What to Know About Multigenerational Estate Planning

Published: 09/30/2022

Baby Boomers — those born between 1946 and 1964 — hold about $20 trillion in wealth.1 Over the next few decades, many Boomers may transfer this wealth to their Gen X, millennial...

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Now Might Be a Good Time for a Roth Conversion

Published: 09/16/2022

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 ...

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Life Insurance for the Self-Employed

Published: 09/02/2022

If you're like most people, you bought life insurance to provide for your loved ones in the event of your death. But because you're self-employed, you may have an even greater need for life insurance:...

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Why Insure Your Business

Published: 08/31/2022

In general, your business represents a substantial investment of your ideas, time, and money (in addition to your sweat and elbow grease). Because your business faces a variety of risks and perils (e...

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Five Keys to Investing for Retirement

Published: 08/23/2022

Making decisions about your retirement account can seem overwhelming, especially if you feel unsure about your knowledge of investments. However, the following basic rules can help you make smarter ...

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Some Things Investors Need to Know About Booms and Busts

Published: 08/19/2022

Economies and markets are cyclical. They may include periods of wealth creation and times of bursting bubbles that bankrupt companies in a major downturn.

"Boom and bust" cycles may last anywhere...

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A Small-Business Owner’s Guide To Investing in Stocks

Published: 08/12/2022

If you own a business and want to diversify your assets by investing in stocks, today’s online brokerages make trading fairly easy. However, stock investing is risky, especially in a volatile ...

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Financial Planning Tips for Small Business Owners

Published: 07/29/2022

When you're a small business owner, you need to pay extra careful attention to both your business and personal finances. Your financial planning strategies should simultaneously encourage the success...

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Things to Consider When Writing a Business Plan

Published: 07/22/2022

You may know that your small business needs a written business plan—but how do you get started? What elements should your plan address, and do you need different plans for different audiences?...

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3 Tips for Staying Calm While Navigating a Volatile Market

Published: 07/08/2022

When market volatility takes investors on a wild ride, fear and panic are common responses to this stock market roller coaster. Acknowledging these emotions may be a good first step, but acting upon...

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6 Tips for Small Business Owners to Promote Workplace Wellness

Published: 06/29/2022

Work is stressful at times, and anxiety and stress among your employees may lead to performance issues and an overall lower productivity rate. By promoting wellness in the workplace, you may reduce ...

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How Business Owners May Benefit from Working With a CEPA

Published: 06/22/2022

If you own a business, there are many decisions to make on a day-to-day basis. But, when it comes to selling your business, transferring it to key employees or family members, or retiring, planning ...

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12 Things Investors Need to Know about the SECURE Act 2.0

Published: 06/17/2022

In late 2019, SECURE Act was passed as a way to help Americans save more for their retirement. In March 2022, the SECURE Act 2.0 was passed in the U.S. House of Representatives and aims to improve the...

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5 Ways a Financial Professional Could Be a Small-Business Owner's Best Friend

Published: 06/08/2022

As a business owner, you may assume you do not need professional financial advice until you hit certain milestones such as $1 million in sales, having ten employees, or some other tangible measure. ...

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Assessing the Health of Your Business

Published: 05/25/2022

In today’s business climate, it may be more important than ever for companies to operate at maximum efficiency and with a keen awareness of the potential impact of changes in their industry and...

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Retirement Planning Options for Business Owners

Published: 05/18/2022

Perhaps you are self-employed or own a small business. Or, you may be directly involved in running a corporation or a tax-exempt organization. In any of these cases, you generally have the option of...

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4 Key Investments You Should Consider as a Small-Business Owner

Published: 05/11/2022

As a small-business owner, you may be looking for the next big thing to double your profits. Here are four key investments that we believe may have the ability to help your business thrive.


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Life Insurance Needs: Taking a Closer Look

Published: 05/05/2022

While we believe it is important to have enough life insurance coverage to handle any financial contingencies that may affect your family if you die prematurely, determining the amount of life insurance...

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The Facts about Social Security Retirement Benefits

Published: 04/22/2022

Social Security Retirement benefits are one thing that people know of, but often what they know isn't always accurate. First, the Social Security Trust Fund was created in 1939 as part of Old Age and...

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10 Ways to Use Your Tax Refund

Published: 04/15/2022

As we approach Tax Day 2022, you may be expecting to receive a tax refund. While you may have a temptation to spend your tax return, other options may be more beneficial to your financial situation....

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How Workplace Diversity Can Improve Your Business

Published: 04/04/2022

The focus on diversity in the workplace has continued for the past few decades as businesses are realizing the importance of a diverse workforce, not only to potentially improve the overall growth of...

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What to Expect on Your 2021 Tax Return

Published: 03/30/2022

The federal government's response to the COVID-19 pandemic continues to impact individual income tax returns, from the suspension of federal student loan interest to expanded child tax credits. For ...

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3 Estate Planning Tips for Small-Business Owners

Published: 03/23/2022

For business owners, estate planning may seem like another task to do on a long to-do list. Having a solid estate and succession plan in place may be crucial to your business's long-term success. If...

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Luck of the Investor: Making Your Own Luck on St. Patrick's Day

Published: 03/17/2022

As Samuel Goldwyn once said, "The harder I work…the luckier I get!" 1 But when it comes to investing, luck may play a huge role in outcomes—no matter how hard you work.2 ...

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Help Wanted: Why Can't Businesses Find Enough Workers?

Published: 03/09/2022

The headline U.S. unemployment rate fell from 6.7% at the end of December 2020 to 3.9% in December 2021, marking the biggest one-year improvement in history.1 While many workers took advantage...

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Low-or-No-Cost Solutions for Retaining Valued Employees

Published: 02/23/2022

High turnover of employees often presents a serious problem for many small businesses. Limited budgets generally cannot provide the financial incentives needed to recruit and retain high achievers. ...

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How to Recognize and Protect Yourself Against Tax Identity Theft

Published: 02/18/2022

When you hear the term identity theft, the first thought that comes to mind may involve a data breach or opening a credit card in someone else's name. But another common type of identity theft involves...

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Hoping that 2022 is When You Retire Early?

Published: 02/09/2022

As we make our way through 2022, maybe the dream of early retirement has begun to take shape in your mind. Maybe you’re researching when you might first qualify for Social Security retirement ...

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Retirement Contribution Limit Changes for 2022

Published: 01/26/2022

With inflation on the rise, the IRS increased the 2022 contribution limits for some retirement accounts. Although a 2021 Congressional report found that only about 8.5% of defined benefit plan participants...

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Tax Prep Checklist: Everything You Need to Be Ready for Tax Season

Published: 01/19/2022

Regardless of whether you prepare your taxes yourself or use a professional's services, it's a good idea to gather the information and documentation you need well in advance of your actual tax filing...

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How to Balance Your Professional and Personal Life

Published: 01/12/2022

It’s easy to carry the stress of home to work, and work to home. Doing so will most likely inhibit your time to relax with friends, family, and your productivity in the workplace. Budget your ...

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Five New Year's Resolutions for Those Nearing Retirement

Published: 01/03/2022

Getting ready for retirement is both exciting and daunting. While you are likely looking forward to the enjoyment and relaxation that retirement may bring, you are also cautious about ensuring you have...

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3 Financial Moves to Consider Before Ringing in the New Year

Published: 12/27/2021

Although you don't have to wait until January to begin working on your financial goals, a new year may bring a much-needed fresh start on your spending and saving goals. Read on for three financial ...

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Developing a Dynamic Business Plan

Published: 12/20/2021

A well-crafted business plan can be a blueprint for entrepreneurial confidence. This multifaceted tool is as important to established business owners looking to grow their companies as it is to budding...

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Retirement Mistakes to Fix Before the Holidays

Published: 12/15/2021

You probably spend more time planning your holiday gathering than preparing for your golden years.

As a result, you make basic mistakes in trying to fund your retirement. Here are a few of the...

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What to Do If or When Your Taxes Start Going Up

Published: 12/10/2021

Not knowing what Congress will do should not stop you from planning.

 One variable that is hard to plan for in retirement is taxes. There are steps you can take, though, despite the uncertain...

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Charitable Giving: How it Affects You Financially as Well as Personally

Published: 11/22/2021

The holiday season is just around the corner and many charitable organizations are in desperate need of donations to help provide the vital services needed in the community. You are most often ...

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4 Year-End Tax Planning Tips for Small-Business Owners

Published: 11/19/2021

The past two years presented many small-business owners with unprecedented challenges. This year’s tax planning preparations include necessary measures for small-business owners to satisfy existing...

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2021 Year-End Planning for Retirees

Published: 11/08/2021

For some, 2021 has flown by—and as we approach the last quarter of the year, it's a good time to begin planning for the next one. Year-end planning is especially important for retirees and those...

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Entrepreneurship and Financial Risk: What You Need to Know

Published: 11/02/2021

Entrepreneurs tend to be natural risk-takers but this doesn't mean committing to uncompensated risk. A wise entrepreneur considers their potential exposure before leaping into a new business venture...

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Financial Planning at Every Age

Published: 10/27/2021

In 2013, a Gallup poll found that only about one in every three U.S. households maintained a budget.1 A 2021 survey of 1,000 Americans found that 80% now say they have a budget.2


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Protecting Your Financial Information Online

Published: 10/20/2021

More consumers are conducting financial transactions online and may become vulnerable to tracking, hacking, identity theft, phishing scams, and other cyberspace risks. While nothing can guarantee complete...

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Long Term Care Insurance: The Importance of Annual Reviews

Published: 10/18/2021

Long term care insurance is just like any other piece of your financial puzzle. Periodic monitoring can help ensure your insurance continues to meet its desired objective. An annual review provides ...

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Business Women and Leadership: What Female Bosses May Teach Us

Published: 09/15/2021

As more and more women assume leadership roles in businesses, it is changing the attitude and sometimes even the future of the workplace. Female bosses may teach business leaders a lot about engaging...

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Choosing the Right 401k for Your Employees & Your Business

Published: 09/10/2021

Implementing a 401(k) plan for your employees is good business. It means you're thinking strategically, that you care for your employees, and are focused on the long-term health of your company. Implementing...

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Life Insurance: Changing Times, Changing Needs

Published: 09/07/2021

When Judy purchased her life insurance policy 10 years ago, she thought her insurance planning was complete. She assumed that if she paid her premiums on time, she could sit back and...

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Labor Day 2021: The Pandemic's Impact

Published: 09/01/2021

2020 was one of the most disruptive years ever for the U.S. job market, almost as significant as the unemployment during the Great Depression in 1933 and surpassing joblessness during the Great Recession...

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Starting a Business with a Friend: Do’s and Don’ts

Published: 08/30/2021

It is estimated that about 40 percent of business founders were friends before they became business partners.1But while starting a business with a friend can be a great way to secure your...

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Women: What You Should Know When Starting a Business

Published: 08/23/2021

According to the Women's Business Enterprise National Council, as of 2018 there were 12.3 million women-owned businesses in the United States (representing 40% of all businesses), employing over 9 million...

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