By LPL Financial, L.L.C. Whether you’re 23 or 35, it’s important to know whether you are saving enough for your retirement. There is no time like the present to ensure you are allocating enough funds to your retirement account. With folks routinely living into their 80s and 90s, it’s more important than ever to ensure your money lasts your lifetime. Millennials have the advantage of time. You can benefit from compounding and the long-term trends that can make a real difference over the course of several decades. A good savings target is 15% of your income. That’s a very general target, and in many cases, it’s too conservative. That can… read more »

The holidays are a magical time filled with twinkling lights and festive gatherings, but they can also come with a hefty price tag. According to the National Retail Federation, U.S. consumers spent an average of $902 per person during the 2024 winter holiday season on gifts, food, decorations, and other seasonal items. Between buying presents, hosting parties, and making travel arrangements, it’s easy to overspend without noticing. The good news? With thoughtful planning and smart strategies, you can sleigh the season without slaying your savings. Keep your wallet happy and your spirits bright with these savings tips to help you spend smarter and celebrate bigger! Budget First, Buy Later Before… read more »