Blog
Maxed Out 401(k)? What Now?
If you’re on track to max out on your 401(k), it’s a huge accomplishment, so congratulations! Now what?
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Calling an Audible for Your Finances
Your financial strategy may help you pursue your goals. But occasionally, those goals shift, and we may need to call an “audible” to get the best play.
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Estate Planning Myths
Estate planning can be one of the most misunderstood aspects of financial planning; however, it’s vital to ensure your assets and family are protected.
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Want to Connect?
Want to connect? My Facebook and LinkedIn pages and my website feature helpful financial information, including top-quality videos,...
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Questions to Ask Yourself Before a Big Purchase
At some point in life, you’ll be in the market to buy something that costs big bucks. No matter the purchase, sometimes the decision can be challenging to make. Here are three things you should ask yourself...
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Don’t Let Unexpected Expenses Derail Your Retirement
While looking ahead to a leisurely retirement is natural, it’s prudent to prepare for expenses that catch many retirees by surprise.
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7 Time-Saving Tips for School Mornings ⏰
If you have school-age children, you’re intimately familiar with the often-hectic morning routines that make launching a rocket into space look easy.
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What is Osaic?
You may have recently noticed the name Osaic on my website, letterhead and e-mails where you formerly saw the name Royal Alliance, the firm we use to support our business operations.
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Check Your IRA Beneficiaries
When you list the people who will benefit from your lifetime of hard work (your beneficiaries), is that group of names the same this year as last?
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10 Common (and Costly) Medicare Mistakes to Avoid
As we age, one consideration that weighs on most people is the cost of healthcare in retirement. While we can’t truly predict the cost, we can take time to educate ourselves about the options or resources available to help pay...
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5 Types of Insurance Your College Student May Need
If you have teenagers, you’re likely very in touch with the adage, “One day you’re changing diapers, and the next you’re sending them off to college.”
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All-American Pastime: Baseball or Investing?
Yankees great Yogi Berra once quipped, “90% of baseball is mental; the other half is physical.”
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Study: Hobbies Keep You Sharp
Did you know that hobbies may help you live a longer and more fulfilled life? Many scientific studies have found that having a hobby can improve your physical and mental health, keep you sharp on the job, and help your relationships....
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Over Age 50? Catch Up on Retirement!
The years between turning 50 and retirement can be some of the very best. Hopefully you’ve earned enough to start living comfortably, you’re accomplished in your job and life, and you know which risks are worth taking....
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3 Ways to Pay Off Student Loan Debt
For some households, student loan debt is their biggest monthly expense (after their mortgage).
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3 Ways to Set Goals You’ll Keep
We may think of setting goals or resolutions most often at the beginning of a new year. However, today is the beginning of the second half of 2023 so how about today?
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Storing Your 4 Most Important Personal Documents
There are a few important documents that are imperative to know where they are at all times and ensure they are protected from theft and in case of emergency. Often times, these documents can be difficult to find when needed most, so...
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What Happens to My Retirement Plan Assets When I Leave a Company?
How you choose to handle your retirement plan assets when you change jobs will have a lasting impact on the size of your nest egg and ultimately on the type of retirement you can enjoy.
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Should You Use Your Retirement to Pay for College?
Educational attainment is a bedrock of the American Dream.We want our kids to do better than us, and we'll do what we can to help them achieve that! But unfortunately, there are dreams, and then there's reality: ...
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When the Beneficiary of an IRA Needs Access to Cash
Inherited retirement accounts offer great financial opportunities to beneficiaries, but can be stressful due to the complicated risks associated with certain options. Knowing the basic differences of each option is just the tip of the...
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Can You Wait to Take Social Security?
Instead of waiting until age 65 to decide what to do, take the time NOW to practice and examine your budget options so you can make the most of your benefits.
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Term or Perm - What’s Right for You?
Most working adults with families should have some kind of life insurance in place.
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A Smaller Social Security Bump May Be On the Way
I wanted to take a moment to update you on the potential changes to Social Security benefits for 2024. As I'm sure you know, the Social Security Administration calculates annual cost-of-living adjustments (COLA) based on the Consumer...
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Why You Should Set Up Your Online Social Security Account
For many of us, Social Security plays an important part in our financial plans for retirement or later stage of life. Even if you’re years away from applying for benefits, there are good reasons to set up your online Social...
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Building a Nest Egg for Two
Whether you’re newlyweds or have celebrated many anniversaries, you already know you can accomplish more working together towards the same goal. The same goes with retirement savings.
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NASCAR Collaborating on Lunar Terrain Vehicle
This sounds like an exciting collaboration! Check out the article. I'd love to know what you think of the upcoming missions to the Moon.https://www.leidos.com/insights/leidos-nascar-speed-lunar-rover-race
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Just the Facts: Your 2022-2023 Tax and Retirement Plan Guide
Are there deductions you’re missing? Credits you could be claiming? You should never pay more than your fair share!
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Planning an Encore Career?
If you're approaching your retirement days, you might envision travel, relaxation, and family time. But is there room in your dream retirement for a new career as well?
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Planning for Life's Milestones
Focus on these ten tasks to prepare your financial plan for anything and ensure you're doing all you can to invest in your future.
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Resources to Help with Aging Parents
There are lots of positives to adulthood. You make your own money, you make your own rules, and you make your own decisions. But with that freedom comes responsibility too, and some are harder than others. Particularly difficult is the...
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Financial Planning Tips for Single Parents
For decades, the number of single-parent households in the U.S. has been rising according to the United States Census Bureau. In fact, children living with a mother only is the second most common U.S. living arrangement, a number that...
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5 Reasons Women Need to Invest
Despite progress toward financial planning and saving, women often face challenges regarding their financial security.
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Inherited Retirement Account Issues? I Can Help!
Inherited retirement accounts offer great financial opportunities to beneficiaries, but can be stressful due to the complicated risks associated with certain options. Knowing the basic differences of each option is just the tip of...
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8 Ways to Protect Yourself Online
January 28 serves as an internationally recognized day to remind us about data privacy. Also known as Data Privacy Day, January 28 aims to empower companies and individuals to discuss and implement ways to safeguard data and...
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Kyle Murphy Market Commentary - January 5, 2023
Kyle Murphy Market Commentary - January 5, 2023
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The Murphy Family's been quite busy during the holidays...
I hope everyone had a wonderful holiday season. Things in the Murphy household are never dull. With a little push from my assistant, I am posting a picture of myself in full stage makeup. Was in the Central Virginia Dance...
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Life Events that Impact your Financial Plan in a Big Way!
When you have a major life event such as getting married, having a child, or buying a home, your financial situation and priorities may change.As your life changes, your financial decisions must stay in line with your goals, values,...
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Kyle Murphy Market Commentary - November 14, 2022
Kyle Murphy Market Commentary - November 14, 2022
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New Retirement Contribution Limits for 2023
The Internal Revenue Service has released new limits for the coming year. After months of high inflation and financial uncertainty, some of these cost-of-living-based adjustments have reached near-record levels.Individual Retirement...
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"You bought an EV and want to install a charger in your condo. Now what?"
"You bought an EV and want to install a charger in your condo. Now what?"
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Check Your IRA Beneficiaries Today!
Check Your IRA Beneficiaries Today!
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Kyle Murphy Market Commentary - October 21, 2022
Kyle Murphy Market Commentary - October 21, 2022
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Tips for Easing the Pinch of Inflation at the Grocery Store
Five Ways to Offset the Rising Cost of Groceries, courtesy of moneywise.com!
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Follow Kyle Murphy Financial Advisor on Facebook!
I hope you'll visit my Facebook page, https://www.facebook.com/kylemurphyfinancialadvisor, today. Follow my page's Blog for timely insights and sometimes "just for fun" posts like my family's Halloween 2020 photos.
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Storing Your 4 Most Important Personal Documents
There are a few important documents that are imperative to know where they are at all times and ensure they are protected from theft and in case of emergency. Often times, these documents can be difficult to find when needed most, so...
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Long-Term Investing Has Rewards!
The dream of a secure retirement, college funding, or a vacation home may be the financial “prize” you’re keeping your eyes on. But it’s hard for investors, even seasoned ones, to stay focused in the face of...
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Kyle Murphy Market Commentary - May 13, 2022
Kyle Murphy Commentary Video - May 13, 2022
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Wait, it's time for college??
Isn’t it the worst when you wake up after you’ve hit the snooze button? If your child is approaching college age, and you're behind on education savings, it can feel like hitting the snooze button too many times. But...
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Paper Airplanes to Drones!
If you loved making paper airplanes as a kid, you may have been an early drone designer... Check out this article from The Washington Post: Paper airplanes could help with design of drones or flying robots (msn.com)
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You Can Celebrate Retirement Stress-Free
If you've recently retired, congratulations!
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When was the last time you updated your beneficiaries?
Insurance: we all hope to not need it, but wouldn’t want to be without it when we do. Car insurance, health insurance, life insurance, home insurance… you and your spouse probably have most – if not all – of...
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Know your 401(k) options between jobs
Few life events are more stressful than a job loss. If you or someone you know is in this situation due to COVID-19, you likely have questions about job hunting, unemployment insurance, and health care. You may also be wondering,...
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