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The future you want, the money to do it.
Education is a key component of our planning and investment process. We share our expertise with you through our blog so that you can have a deeper understanding of your finances and the decisions surrounding them.
The Latest From Our Blog
Five Practical Steps to Build an Emergency Fund
In today's unpredictable world, having an emergency fund is not just a financial recommendation — it's a necessity. Unexpected expenses, whether from a medical emergency, sudden unemployment, or urgent home repairs, can create significant financial stress. An emergency fund acts as a financial safety net, empowering you to manage these...
Top Financial Lessons from 2024: Credent’s Year in Review
Whether you are a long-time client committed to financial freedom or someone new to Credent and ready to take your finances seriously, we’re proud that many of you pursued financial wellness in 2024. We released a handful of articles this year to support you, helping you understand your wealth, reach your goals, and maximize your impact. ...
The Path to 2025: What Investors Need to Know
Credent’s annual 2025 outlook is still to come, but investors should know a few important things as the year winds down. Below, we share our Investment Policy Committee’s insights regarding the presidential cycle, the labor market, and the most significant risk to investment allocations in 2025. Seasonality, or how stocks tend to react at...
Maximizing Retirement Savings with a Health Savings Account (HSA)
As retirement planning becomes increasingly complex, one vehicle is gaining attention for its potent blend of savings and tax advantages: the Health Savings Account (HSA), often dubbed the "medical IRA." This unique account stands out in the financial landscape for its triple tax benefits, making it a beneficial tool for individuals aiming to...
A Guide to Giving Back – 4 Insights to Maximize Your Contributions
Giving back may seem driven by sentimentality, but for purpose-driven and generosity-minded people, it can also be serious, strategic, and systematic. At Credent, we believe giving back is a significant part of a financial plan. At the time of this article’s release (December 3rd, 2024), it is GivingTuesday, “a day that encourages people to do...
How to Make Holiday Saving and Spending Decisions
There’s a lot you can’t control this time of year. From personal ordeals (what dish your daughter-in-law brings to Thanksgiving or how well your children get along during festivities) to professional changes (whether your company gives out holiday bonuses or updates their benefits in the new year) to national shifts (whether the market aligns...
Our December 2024 Equity Market Forecast
With the election in the rearview, markets and investors are evaluating what's on the horizon, making equity market forecasts for the rest of this year and into the next. In this article, members of our Investment Policy Committee share their perspectives on the future as well as insights into how we are positioning our portfolios to minimize...
How to Manage End-of-Year Financial Stress
Finances are a common culprit of stress, and even end-of-year festivities can't shield us from this tension. In fact, “Because the holiday season often requires us to keep track of and pay attention to a greater number of responsibilities than usual, the brain’s prefrontal cortex goes into overdrive.”¹ Adding financial concerns, questions, and...
6 Things Investors Need to Know on Election Night
Election night can be tense. The anticipation of watching results can morph into relief or concern as outcomes materialize. Whether your preferred candidates win or lose (and we drafted this article before tonight, so we believe these insights apply regardless of the results), one of the most important things you can do on election night is...
How Do You Make a Financial Plan?
In the dynamic and ever-changing financial landscape, a one-size-fits-all approach to planning doesn't cut it. Your individual circumstances, needs, and lifestyle objectives shape your financial journey. So, how do you make a financial plan that works for you? A good financial advisor understands that personalized financial planning is...