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ABCs for XYZs
Home
Blog
About
Kaizerman & Associates
Contact
Subscribe
Home
Blog
About
Kaizerman & Associates
Contact
Subscribe
Q&A: Unused 529 Money
Q&A, Education Planning, Family Alyx Cox 9/12/23 Q&A, Education Planning, Family Alyx Cox 9/12/23

Q&A: Unused 529 Money

Question: What can I do with unused 529 money?

Short answer: There are currently four options for unused 529 assets: retain, shift, extend, or withdraw.

Long answer: Click to read…

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Q&A: Managing bank accounts following marriage
Q&A, Marriage, Family Alyx Cox 9/27/22 Q&A, Marriage, Family Alyx Cox 9/27/22

Q&A: Managing bank accounts following marriage

Question: What is the best way for newlyweds to manage bank accounts as they transition into married life?

Short answer: The most appropriate approach for managing bank finances varies from couple to couple.

Long answer: Click to read…

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4 Strategies to Increase Savings
Visual Content, General Financial Planning, Goal Setting Alyx Cox 9/6/22 Visual Content, General Financial Planning, Goal Setting Alyx Cox 9/6/22

4 Strategies to Increase Savings

Here are 4 useful strategies we recommend in order to increase your savings.

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Q&A: How do I set better financial goals?
Goal Setting, Q&A, General Financial Planning, Investments, Marriage, Family, Retirement Alyx Cox 11/29/21 Goal Setting, Q&A, General Financial Planning, Investments, Marriage, Family, Retirement Alyx Cox 11/29/21

Q&A: How do I set better financial goals?

Question: How do I set better financial goals?

Short answer: Focus on the 3 S’s in SucceSS: schedule, start, simplify.

Long answer: Click to read…

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Top 3: Death of a parent
Top 3, Estate Planning, Family Alyx Cox 10/18/21 Top 3, Estate Planning, Family Alyx Cox 10/18/21

Top 3: Death of a parent

1. Contact trusted professionals, including financial advisor and attorney

2. Compile official documents and records, including copies of the death certificate, will, and Beneficiary Directory®

3. Monitor or forward mail to collect incoming bills and statements

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Q&A: What does a financial advisor do?
Goal Setting, Family, Q&A, General Financial Planning Alyx Cox 9/1/21 Goal Setting, Family, Q&A, General Financial Planning Alyx Cox 9/1/21

Q&A: What does a financial advisor do?

Question: What does a financial advisor do?

Short answer: A financial advisor helps clients achieve financial goals.

Long answer: Click to read…

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Top 3: Job Change
Top 3, Risk Management, Retirement, General Financial Planning Alyx Cox 8/4/21 Top 3, Risk Management, Retirement, General Financial Planning Alyx Cox 8/4/21

Top 3: Job Change

1. Evaluate benefits of both CURRENT and FUTURE employer

2. Review insurance coverages and prevent gaps

3. Account for your accounts

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The Three Tax Buckets
Visual Content, General Financial Planning, Income Taxes, Investments, Retirement Alyx Cox 7/23/21 Visual Content, General Financial Planning, Income Taxes, Investments, Retirement Alyx Cox 7/23/21

The Three Tax Buckets

Taxes will be one of your largest expenses in retirement. In order to create optimal flexibility and improve tax management, develop buckets of money based on different tax rates.

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Q&A: Financial Advice
Goal Setting, Family, Investments, General Financial Planning, Retirement, Q&A Alyx Cox 7/7/21 Goal Setting, Family, Investments, General Financial Planning, Retirement, Q&A Alyx Cox 7/7/21

Q&A: Financial Advice

Question: What do you think about (insert miscellaneous financial advice) from my dad/friend/influencer/television personality/stranger?

Short answer: It depends.

Long answer: Click to read…

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529 College Savings Plans
Visual Content, Education Planning, Family Alyx Cox 5/28/21 Visual Content, Education Planning, Family Alyx Cox 5/28/21

529 College Savings Plans

Curious about 529 College Savings - review our introduction.

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Financial Literacy: Take the Test!
General Financial Planning, Goal Setting, Miscellaneous, Visual Content Alyx Cox 5/12/21 General Financial Planning, Goal Setting, Miscellaneous, Visual Content Alyx Cox 5/12/21

Financial Literacy: Take the Test!

Financial literacy is the knowledge and competency to understand money and make financial decisions.

Unfortunately, Americans lack information…

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Q&A: Education Savings
Education Planning, Goal Setting, Family, Investments, Marriage, Q&A Alyx Cox 4/29/21 Education Planning, Goal Setting, Family, Investments, Marriage, Q&A Alyx Cox 4/29/21

Q&A: Education Savings

Question: Should I save for my child’s education if someone else (such as their grandparents) told me they plan to cover the cost?

Short answer: Yes. Save and save on a regular basis.

Long answer: Click to read…

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Top 3: Engagement
Top 3, Goal Setting, Family, Marriage Alyx Cox 3/31/21 Top 3, Goal Setting, Family, Marriage Alyx Cox 3/31/21

Top 3: Engagement

1. Speak openly and honestly about finances

2. Open a joint bank account

3. Create common financial goals, while still making progress with personal goals

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Top 3: Home Purchase
Top 3, Family, General Financial Planning, Goal Setting, Miscellaneous Alyx Cox 2/23/21 Top 3, Family, General Financial Planning, Goal Setting, Miscellaneous Alyx Cox 2/23/21

Top 3: Home Purchase

1. Accumulate savings for a down payment, associated costs/fees, and emergency fund

2. Complete the mortgage pre-approval process

3. Peruse homes patiently

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F: Focus your attention and time
ABCs for XYZs, Goal Setting, General Financial Planning Alyx Cox 12/2/20 ABCs for XYZs, Goal Setting, General Financial Planning Alyx Cox 12/2/20

F: Focus your attention and time

Time is a finite resource – there are only 24 hours in each day. Therefore, it is important to focus time and attention carefully, especially regarding finances.

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E: Empower yourself financially
ABCs for XYZs, Goal Setting, General Financial Planning Alyx Cox 11/11/20 ABCs for XYZs, Goal Setting, General Financial Planning Alyx Cox 11/11/20

E: Empower yourself financially

Talking about money makes many people feel uncomfortable - the topic is considered taboo within our culture. As a result…

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D: Dedicate dollars to your goals
ABCs for XYZs, Retirement, Investments, General Financial Planning, Goal Setting Alyx Cox 10/28/20 ABCs for XYZs, Retirement, Investments, General Financial Planning, Goal Setting Alyx Cox 10/28/20

D: Dedicate dollars to your goals

Financial goals range in size and timeframe. While it may feel necessary to choose which goals to prioritize, the appropriate course of action is…

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C: Contribute for your employer match
ABCs for XYZs, Retirement, Investments, General Financial Planning Alyx Cox 10/14/20 ABCs for XYZs, Retirement, Investments, General Financial Planning Alyx Cox 10/14/20

C: Contribute for your employer match

As an employee for a company, one of the potential benefits offered is a retirement plan. A retirement plan provides the opportunity to save…

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Kaizerman & Associates • 182 West Central Street, Suite 200, Natick, MA 01760 • (508) 647-0830

www.kaizerman.com • acox@osaicwealth.com • mkaizerman@osaicwealth.com • mwaclawsky@osaicwealth.com

CHECK THE BACKGROUND OF THIS FINANCIAL PROFESSIONAL ON FINRA'S BROKERCHECK
Osaic Wealth Form CRS

Form ADV Privacy Policy

Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Additional advisory services offered through Kaizerman & Associates. Osaic Wealth, Inc.is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth, Inc.

This communication is strictly intended for individuals residing in the states of California, Florida, Maine, Massachusetts, Michigan, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina and Virginia. No offers may be made or accepted from any resident outside the specific state(s) referenced. 

Alyx M. Cox and Meghan F. Waclawsky are investment adviser representatives under Kaizerman & Associates and Osaic Wealth, Inc.. As such, these services are strictly intended for individuals residing in Massachusetts.

Additional investment advisory services, tax preparation, fixed and/or traditional insurance services offered through Kaizerman & Associates, a registered investment advisor not affiliated with Osaic Wealth, Inc.. Mark H. Kaizerman, Alyx M. Cox, and Meghan F. Waclawsky are investment advisers representatives under Kaizerman & Associates and Osaic Wealth, Inc., registered investment advisors offering advisory services in Massachusetts. As such, these investment advisory services are strictly intended for individuals residing in Massachusetts.

IMPORTANT CONSUMER INFORMATION

A broker-dealer "BD", investment adviser "IA", a BD agent of IA representative may only transact business in a state if first registered in that state, or is excluded or exempt from registration in that state as a broker-dealer, investment advisor, BD agent, or IA representative, as appropriate. Follow-up, individualized reponses to persons in a state by such form or individual that involve either affecting or attempting to affect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements, or an application exemption or exclusion.

For information concerning the licensing status or disciplinary history of a broker-dealer, investment adviser, BD agent, or IA representative, a consumer should contact his or her state securities law administrator.