SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients: The SYM Financial Advisors logo.
SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients: The SYM Financial Advisors logo.

Pre-Retirees & Retirees

A hooded figure silhouetted against a world map, surrounded by icons for login credentials, a folder, a skull-marked flash drive, and an open padlock, representing the security focus of SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients.

Protecting Against Identity Theft

April 10, 2020

In light of recurring news headlines about identity theft, it is important to revisit the critical importance of controlling those things in our financial lives that remain within our control. This includes partnering with companies who have a solid plan for your information security, and understanding the “worst-case scenario” if your personal data is accessed during a cyber attack. According to the Federal Trade Commission, identity theft is at the top of the list of

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SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients: a graduation cap resting on a large stack of bundled cash and gold coins, representing the wealth management focus of SYM Financial Advisors.

529 Plans Redux

April 10, 2020

Each year on May 29 the calendar reminds us of the 529 educational savings plan, and opportunities to fund the plan.  However, many people funded 529 plans years ago and are now ready to withdraw the funds for their intended use. Distributed properly, all the earnings in the plan can be income tax free as long as the funds are used for Qualified Higher Education Expenses (QHEE).  However, as is sometimes the case, the devil

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SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients: The United States Capitol building under a blue sky, viewed from the plaza where SYM Financial Advisors operate as a commission-free fiduciary.

The SECURE Act and Your Retirement Savings

December 23, 2019

Last week, President Trump signed legislation containing sweeping changes to the ways Americans will save and plan for retirement. The SECURE Act (Setting Every Community up for Retirement Enhancement Act) puts several provisions in place to strengthen retirement savings strategies. We expect nearly all of our clients to be impacted by this significant legislation and want to inform you of some of its key components. Key Components that Affect Retirement Savings Required Minimum Distributions (RMDs)

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SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients: Four SYM Financial Advisors sit at a table with computer monitors displaying charts, smiling and cheering.

Sandwich Generation: Planning for the Aging Loved One

July 1, 2019

A national study of women’s financial needs and preferences identified “being caught in the middle” as the single most significant challenge respondents indicated they would face in the coming years. To help address this burden, the Family Wealth Advisors’ Council created a series of checklists and tools through their Women of Wealth initiative.  Checklist  Determine who will be the main contact in the family for helping to plan for future aging stages. It is not

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A Bird’s Eye View of Social Security

June 21, 2019

Social Security Defined Social Security is a social insurance program administered by the United States federal government to pay benefits to qualified individuals. Social Security retirement benefits are paid monthly, providing income for the life of the retiree. These benefits are calculated based on credits earned per a worker’s wages and can be increased or reduced depending upon the age at which benefits begin. Generally, the longer an individual waits to elect benefits, the greater

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SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients: An older couple sits on a couch, smiling as they look at a tablet together to review their SYM Financial Advisors commission-free fiduciary plan.

A Good Financial Advisor Extends Well Beyond the Portfolio

June 21, 2019

Particularly during challenging times in the market, it can be easy to forget that the end goal of comprehensive planning goes well beyond choosing investments. Investors who keep a critical eye to their portfolio may sometimes overlook other, more subtle indicators along the path to long-term financial success. These contributions are less quantifiable on a quarterly performance statement, but valuable nonetheless. Cost-effective investment implementation: When measured against overall wealth, the costs associated with investments may

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