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From Rick's Point of View…

Ideas from the industry or emerging trends, Rick offers his Point of View and behind-the-scenes insights on the financial services industry. Glad to have you reading along.

Tuesday, March 12, 2024

The general enrollment period for Medicare goes from January 1st to March 31st. If you haven’t decided yet, your time is running out for the year. It may not be immediately clear what this specific enrollment period is for, as...

Tuesday, February 6, 2024

Stocks pushed higher last week as investors cheered mega-cap tech corporate reports and a better-than-expected employment report. Stocks at New Highs At the beginning of the week, stocks surged, anticipating fourth-quarter corporate...

Tuesday, January 9, 2024

Stocks defied the skeptics in a very unpredictable 2023. The Dow Jones finished at an all-time record high on December 28, and the S&P 500 came within a whisker of a fresh all-time high after the index rallied more than 20% for the...

Friday, December 1, 2023

The Internal Revenue Service recently released updated income tax brackets, standard deduction, and retirement contribution limits for the 2024 tax year. While these taxes are not due for some time, it may benefit you to start...

Tuesday, November 7, 2023

For Immediate Release October 2023 Contact: Scheeler Financial Group / 513-883-6100 WEST CHESTER, OHIO – Rick Scheeler of Scheeler Financial Group has earned the designation of Certified Kingdom Advisor® (CKA®). Kingdom...

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Friday, November 3, 2023

You may have heard the saying, “inflation hurts savers and benefits borrowers.”  The expression suggests that borrowers benefit from inflation because they pay back lenders with dollars worth less than when the money...

Wednesday, October 25, 2023

How long has it been since you’ve reviewed your Medicare policy? With open enrollment fast approaching, there are a few questions you may want to ask yourself before you renew, add, drop, or switch coverage. Have you switched...

Tuesday, September 19, 2023

National Preparedness Month reminds us that staying prepared is more than just a choice, but a responsibility. A little thoughtful preparation and family communication may be necessary to keep yourself and your loved ones safe during …

Tuesday, August 1, 2023

Regardless of what you do or how much you earn, you deal with money on a daily basis. The more you understand about finances, the more effectively you will be able to manage yours. Yet, many people lack financial literacy skills. One...

Tuesday, August 1, 2023

If you're living paycheck-to-paycheck or stuck in a job you don't love just to pay the bills, it can be easy to feel as though you're financially trapped. But financial freedom doesn't need to be elusive—with some focused and...

Tuesday, August 1, 2023

Retirement planning is a constantly evolving process. Strategies that may have worked fine a few years ago may no longer be the optimal direction to continue. Your life may have taken unexpected turns, you may have different retirement...

Tuesday, August 1, 2023

A student's education expenses may be reduced when a parent uses their tax-advantaged retirement account to help cover tuition and other related costs. With many students graduating with college loan debt, using a 401(k) or IRA may...

Monday, June 26, 2023

Despite progress, the pathway to financial access and stability is still rockyWhile the future seems brighter than ever for women entrepreneurs, a myriad of financial challenges continue to cast shadows over their journey. The...

Friday, June 2, 2023

Entrepreneurs may entertain thoughts of achieving success, inspired by those companies that seem to spring forth fully grown overnight. But, it is important for business owners to ask at the outset, “What is an appropriate...

Monday, May 22, 2023

Hello friends and clients, I hope you are enjoying Spring!It is amazing how much our family is changing:Paul is stationed at Hanscom AFB outside of Boston (he is a 2nd Lieutenant in the Air Force). He has a serious girlfriend...

Monday, April 17, 2023

Interval funds are a type of investment fund that combines some characteristics of open-end mutual funds and closed-end funds. Like mutual funds, interval funds allow investors to buy and sell shares at the net asset value (NAV) of the...

Friday, March 24, 2023

With April’s federal tax filing and payment deadline on the horizon, Americans are dotting their i’s and crossing their t’s as they prepare for the countdown to Tax Day. But before you rush to get that return out the...

Thursday, March 16, 2023

One of the traits of Americans is that we are good at seeing what is wrong with our country and then working to make it better. The flip side of this is that we sometimes fail to see how blessed we are in relation to history or the rest of

Tuesday, January 31, 2023

I wanted to share a brief analysis and highlight some factors that have influenced the markets in the past year. The combination of rising inflation and interest rates, along with a bear market has certainly affected how we go about...

Tuesday, January 17, 2023

A Charitable Remainder Trust (CRT) allows individuals to make a charitable gift while retaining an income stream for themselves or other beneficiaries. An individual (known as the grantor) transfers assets, such as cash or property,...

Tuesday, January 10, 2023

Financial wellness studies over the past few years indicate that investors desire financial wellness. The recent pandemic, economic and inflationary conditions, changes in work-life balance, and more responsibility for financial...

Tuesday, January 10, 2023

Many financially successful people are comparison shoppers. If you’re one, you may pore over ratings in consumer magazines, read websites for reviews and compare scores of products before you buy even everyday products like...

Monday, December 5, 2022

The fourth quarter holidays are often seen as one of the prime times to take out your checkbook — not only do many charities put in extra efforts helping others this time of year, but donating is also a smart financial move....

Monday, December 5, 2022

After years of saving and planning for their golden years, many people nearing retirement fail to consider the tax burden they may face on income they receive after they stop working. While you will likely see a reduction in the amount...

Monday, December 5, 2022

Setting goals for a new year can feel overwhelming.  We all know that resolutions don’t last, but we also feel the energy that comes with a new year of possibilities. Here’s a clearer path for setting and reaching your...

Monday, December 5, 2022

If the end of the year has you in planning mode, you’re not alone—starting a new year may be a great opportunity for a review and renewal. What steps might you take for next year? Review Asset AllocationsMost...

Tuesday, November 29, 2022

The average U.S. income tax rate stands at just over 13%—and if you're like many taxpayers, you're always looking for new tips and tricks to help reduce this percentage.1There are a number of different tax planning moves you can...

Wednesday, November 9, 2022

You might be thinking about retiring, but how do you know when you are really ready for it, mentally and financially? For decades, the normal retirement age was 65. This was when you became eligible for Social Security and Medicare....

Wednesday, November 9, 2022

From fluctuating gas prices to market volatility to inflation fears, it may be tough to tune out the noise when trying to gauge how your investments perform. And if you are like most investors, you try to resist the...

Wednesday, November 9, 2022

Black Friday is sometimes the largest shopping holiday of the entire year. Millions of people typically shop in stores or online on Black Friday to score the top deals on must-have holiday gifts. While it may be easy to become...

Tuesday, November 1, 2022

The average U.S. income tax rate stands at just over 13%—and if you're like many taxpayers, you're always looking for new tips and tricks to help reduce this percentage.1There are a number of different tax planning moves you can...

Thursday, October 6, 2022

For many, autumn is the best time of year. The return of cool breezes, comforting foods, and pumpkins can be invigorating. It’s also a bookmark of sorts, especially for your finances—a perfect time to take stock of your...

Thursday, October 6, 2022

The Inflation Reduction Act, signed into law on August 16, 2022, includes health-care and energy-related provisions, a new corporate alternative minimum tax, and an excise tax on certain corporate stock buybacks. Additional funding is...

Thursday, October 6, 2022

High Net-Worth executives and those that have been self-employed, can experience common problems in their financial planning journey. Often, they have missed opportunities in their financial planning because they haven’t planned...

Thursday, October 6, 2022

As a female entrepreneur, you may face different challenges than your male counterparts. For example, women were disproportionately affected by the COVID pandemic. 1 They also tend to earn less than their male peers—largely in...

Thursday, September 1, 2022

Raising money to start or build a business is one of the toughest challenges you are likely to face as an entrepreneur. Having a great concept is not enough: you also have to persuade banks and other investors that your business has a...

Thursday, September 1, 2022

Using many years of experience and industry know-how to establish a business is a goal held by many would-be entrepreneurs. In fact, finding a location, formulating a business plan, and hanging the “Open” sign might be one...

Thursday, September 1, 2022

No matter how successful your family business is today, at some point in the future, its ownership may need to change hands. Without a business succession plan, this transition can be fraught with hurt feelings, internal strife and...

Thursday, September 1, 2022

What are charitable remainder and charitable lead trusts?Charitable remainder and charitable lead trusts are special types of trusts into which you transfer assets, retain either a present or future economic benefit for yourself or...

Thursday, September 1, 2022

Most businesses thrive on the ingenuity and dynamism of a few key people. In order to retain their best employees, business owners often devise attractive benefit packages that make it harder for the competition to lure away key...

Thursday, September 1, 2022

When you work for an employer, saving for retirement can be as simple as signing up for a 401(k) plan and making regular contributions, but when you own your own business, preparing for retirement can be more challenging. While pouring...

Thursday, September 1, 2022

As a business owner, you know the importance of planning for your company’s future. To this end, you may have taken steps to learn about buy–sell agreements and the role that life insurance and disability income insurance...

Thursday, September 1, 2022

Hiring your teenage children to work in your business can give them valuable employment experience and teach them to handle responsibility. Plus, if you can persuade them to deposit at least part of the money they earn into a Roth...

Friday, August 26, 2022

Financial literacy refers to the skills and knowledge that allow an individual to make informed and effective decisions through their understanding of finances. Financial literacy starts by building a basic understanding of 'money...

Wednesday, August 24, 2022

The best-selling book, Good to Great: Why Some Companies Make the Leap. . .and Others Don’t, offers surprising insights into the success of “great” companies that consistently and significantly beat average market...

Wednesday, August 17, 2022

Investing for your retirement isn't about getting rich quick. More often, it's about having a game plan that you can live with over a long time. You wouldn't expect to be able to play the piano without learning the basics and...

Wednesday, August 10, 2022

Hiring employees is sometimes a difficult task. You may need to find employees who fit the business culture and have the skills to get the job done. The good news for small businesses looking for employees with various skills and a...

Wednesday, August 3, 2022

When investing, particularly for long-term goals, there are two concepts you will likely hear about over and over again — diversification and asset allocation.Diversification helps limit exposure to loss in any one investment or...

Thursday, July 28, 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 from a few months to a few years or...

Wednesday, July 27, 2022

If you’re retired, there’s good news in that you’ll probably live longer and perhaps better than your parents and grandparents did. The bad news: You’ll live a longer and perhaps more expensive life, too.You...

Wednesday, July 20, 2022

After the Great Recession from 2007 to 2009 hit, far too many Americans found themselves without any savings to get through the hardships of unemployment, falling house prices, dwindling 401(k)s and increased financial anxieties....

Wednesday, July 13, 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 them could result in impulsive,...

Wednesday, July 6, 2022

Working towards financial independence can often be a lifelong process. But for many, financial freedom may come far sooner—and include some fun along the way. What are the differences between financial independence and financial...

Wednesday, June 29, 2022

The market skyrockets one day, plunges the next. Is this the wobbling before the crash? Should you invest now? If so, how? Everything at once? That’s tempting, but not always wise.A common question investors ask their financial...

Tuesday, June 21, 2022

Adults caring for aging parents and children simultaneously have now become known as the "sandwich generation."  While each generation comes with its own array of financial challenges, the sandwich generation often feels...

Monday, June 13, 2022

When it comes to investing, having fewer investments might help streamline your portfolio to manage stress better. Here are some benefits of a simple portfolio and some ways to help you create one.The Benefits of SimplicityUnless you...

Monday, June 6, 2022

In March 2022, the Consumer Price Index for All Urban Consumers (CPI-U), the most common measure of inflation, rose at an annual rate of 8.5%, the highest level since December 1981.1 It's not surprising that a Gallup poll at the...

Wednesday, June 1, 2022

The real value of a bear market may be that it gives investors, who are temporarily frozen within its grip, the opportunity to learn or relearn important lessons regarding risk and diversification.For savvy investors, a bear market...

Wednesday, May 25, 2022

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Wednesday, April 27, 2022

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Wednesday, April 13, 2022

Wednesday, April 6, 2022

Friday, April 1, 2022

Wednesday, March 30, 2022

Wednesday, March 23, 2022

Wednesday, March 16, 2022

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Wednesday, March 2, 2022

Wednesday, February 23, 2022

Wednesday, February 16, 2022

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Wednesday, February 2, 2022

Monday, January 31, 2022

Wednesday, January 26, 2022

Wednesday, January 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 date. Below, we've listed some key...

Wednesday, January 12, 2022

Tuesday, January 4, 2022

Friday, December 10, 2021

Monday, November 15, 2021

Preparing for retirement just got a little more financial wiggle room. This week, the Internal Revenue Service (IRS) announced new contribution limits for 2022.Staying put for 2022 are traditional Individual Retirement Accounts (IRAs)...

Thursday, June 24, 2021

Many people think of “their legacy” as what happens after they die. I prefer to think of legacy as the summation of all the good you do in your life, and that you don't necessarily need to be remembered to have an amazing...

Wednesday, May 19, 2021

What is fiduciary advice? The Financial Planner Profession is one of relationship building, first and foremost. To serve and deeply care about the client and their family is our top priority. Our congrats to Tobias Salinger and the...

Wednesday, April 28, 2021

Non-fungible tokens, or NFTs, have been the recipient of the latest buzz. NFTs are digital files attached to blockchain codes. If you know anything about digital currencies, you’re probably aware that these blockchain codes are...

Tuesday, December 8, 2020

A little over a year ago I made a change in firms. It was one of the most difficult professional decisions of my life and one that had become unmistakably necessary. As I grew increasingly aware that I was running a business and that...

Sunday, November 1, 2020

In my professional dealings I often come across people who are working with friends and family as their advisor. They may have taken them on as to help them launch their career, or because of the closeness of their relationship. These...