Blog
How to Teach Your Kids About Money
It’s never too early to teach your kids how to manage money. Read our tips to help them make smart financial decisions.
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How Do I Get Income From My Portfolio?
Do you know how to turn your savings into everyday income in retirement? Use these 5 tips to learn how!
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Financial Planning vs. Investment Management: How Do They Differ and Why Does it Matter?
Do you think investment management and financial planning are one and the same? Learn the differences, and why those differences are key.
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Is Your Financial Advisor a Fiduciary?
How do you choose an advisor you can trust? Read the following tips to understand why a fiduciary is the best way to go.
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SVB & Signature Bank Collapsed: Why Banks Fail & How to Protect Your Savings
Two major banks collapsed in three days. Here’s what consumers need to know about safeguarding their savings.
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How Much Are You Losing in Idle Cash?
Are you holding too much idle cash in your portfolio? Increase the potential of your portfolio by putting your extra cash to work.
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These 5 Books Have Shaped Me As a Person and an Investor
There’s no better way to learn and grow than through reading. Here are 5 books that have shaped me the most personally and professionally.
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It’s Tax Time! 5 Tips to Beat the Tax Game and Keep More in Your Pocket
Are you ready for tax season? Get your financial ducks in a row by reading these tips to beat the tax law game and keep more in your pocket.
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Countdown to Retirement: 12-Step Checklist if You’re Retiring in 2024
The countdown is on! If you’re ready to retire in 2024, use our 12-step checklist to prepare and make the transition smooth and easy.
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The Best Time to Invest Was Yesterday: Timing the Market
Are you missing out on opportunities for growth by timing the market? Do THIS instead.
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We Are Here for Your Friends and Family This Holiday Season
Are the holidays causing you financial stress? Center for Wealth Management can help you and your friends and family this holiday season.
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Is Participating in Your Employee Stock Purchase Plan Your Best Move?
Are you unsure if you should participate in your Employee Stock Purchase Plan? Let’s discuss the basics and the pros and cons.
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What You Need to Know About Medicare Enrollment for 2023
Medicare open enrollment is here! Here’s a summary of what you need to know for 2023.
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You’re Retired. Now What?
While the notion of doing nothing during retirement may first sound appealing, boredom can quickly set in. Learn how to fill your days during retirement.
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Your Guide to Year-End Financial Planning for 2022
As 2022 comes to a close, you’ll want to reassess your financial goals, examine any life changes that will affect your saving or spending, and learn about recent developments in the world of taxes and finance that might benefit you.
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How I Invest and Manage My Own Money
Successful money management and investing doesn’t have to be shrouded in mystery. Find out how I invest and manage my own money.
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How CWM Uses a Team-Based Approach to Deliver the Best Client Experience
Learn how our team-based approach to financial planning and investing can help you enjoy the best client experience.
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What I Am Teaching My Kids About Money
Want to make sure your children are learning good money habits? Check out these 5 tips to get you started today.
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Case Studies: How We’ve Helped Clients
Discover how the Center for Wealth Management helps clients navigate their financial goals with confidence!
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3 Ways to Make Your Money Last a Lifetime
Are you worried about running out of money in retirement? Here are 3 ways to make your money last a lifetime.
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The Biggest Financial Mistakes I See
These 6 financial mistakes are far too common and can cause harm to your financial future. Are you making any of them?
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Is a Downturn On the Horizon? How We Watch Over Your Money
Does the state of the world and the markets have your head spinning? Shake off some of that stress while Center for Wealth Management watches over your money.
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Do Your Friends and Family Need Financial Guidance? We’re Here to Help.
Do your friends and family need a trusted financial advisor? We at Center for Wealth Management are here to help.
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Top 6 Habits of Financially Successful People
What does financial success look like? It may be different for everyone, but these 6 habits give a good picture of how to reach this goal.
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Why Maxing Out Your 401(k) Is Not Always Ideal
Where will your retirement money come from? A 401(k) can be a powerful tool, but here's why maxing it out might not be the best strategy.
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We’re Never Too Busy to Help Someone You Care About
Do you know someone who needs some financial help? Send them our way so they can experience the difference of Fiduciary Wealth Management!
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Why Retiring Later Is Not a Reliable Strategy
It’s good to have plans, but sometimes reality doesn’t match up. Here’s why you shouldn’t bank on retiring later.
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What Should You Do About the Russia–Ukraine Crisis and Market Volatility?
The events of the last few weeks in Ukraine have been stressful and upsetting to many of us. The buildup of Russian forces along the border, rising tensions, and the ensuing attack have caused worldwide shockwaves.
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Case Study: How I’ve Helped My Clients
When’s the right time to downsize? How will an inheritance impact my retirement plan? When should I retire? Justin helps clients answer these questions and more!
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What Should You Do About Inflation and Stock Market Volatility?
Don’t let short-term market fluctuations derail your portfolio. Protect your wealth with these six steps.
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It’s a New Year! Is it Time to Reevaluate Your Financial Plan?
Is your financial plan ready for 2022? We’re here to partner with you in creating a financial plan to meet your goals for this year and beyond.
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10 Questions to Ask Your Financial Advisor
Have you ever wondered what you should ask a potential financial advisor before you work with them? Here are 10 questions to get you started.
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Tax Strategies for DTE Energy Employees
Our team brings extensive experience serving DTE Energy employees, some of whom began their careers with MCN Energy. We often find that when we initially meet with new clients, people don’t realize the importance of tax strategy...
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See a Sample Financial Plan
By Robert Moore, CFP®, ChFC® and Justin Williamson, CFP® With a world of information at our fingertips, we can find reviews, history, product specifications, and more details than we’ll ever need about anything we...
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3 Reasons Why Inflation Is Up & How Long it Could Last
If you’ve been following the news lately, you’ve probably heard commentators and analysts debating about the dramatic rise of inflation and whether it is “persistent” or “transitory.” What may have...
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Case Study: How I Helped an Engineer & His Wife Plan for Retirement Using Tax-Efficient Strategies
As a professional engineer, you know the ins and outs of complex mathematics, applied force, and what Sir Isaac Newton said when an apple fell on his head. But do you know how to maximize your retirement plan in a tax-efficient way? If...
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The Top 5 Financial Planning Challenges in the First 10 Years of Retirement
The marathon to retirement has been long and challenging, but you’ve finally got the finish line in your sights! You didn’t reach this milestone without decades of hard work, calculating, strategizing, and saving, and...
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3 Lessons I Learned From the COVID-19 Pandemic
I don’t think any of us have come out of the past year and a half without some significant “aha” moments or a new perspective on life. Pivotal moments and major upheavals tend to have that effect on us! As I have...
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How to Maximize Your DTE Energy Group Benefits Package
DTE Energy employees have access to a robust benefits package. Many people do not know all the benefits available to them, or how to identify the best options. It’s the time of year again to select your DTE (or other) workplace...
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Unexpected Threats to Your Retirement Plan
Although much of life feels uncertain right now, the last thing you want to feel unsure about is your retirement savings. But when you think of things that could wipe out your nest egg, like market turmoil, a personal tragedy, or a...
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Losing My Spouse: Lessons Learned Through Loss
It’s been a little over 10 months since the passing of my wife, Heather. Shortly after she passed, I honestly believed I would be able to write an article such as this, espousing the newfound perspective and knowledge I had...
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The 4 Biggest Financial Mistakes I See
As nice as it would be, it’s impossible to live a life without mistakes. Thankfully, most mistakes are minor, don’t cause much regret, and give us an opportunity to learn. But financial mistakes? They’re in another...
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How Much Do I Need to Retire Comfortably?
If you ask Google: “How much money do I need to retire?” you’ll get over 100 million results. Of course, this is an incredibly important question to consider as you plan and save for retirement, but you’ll also...
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How To Manage Your Finances In A Crisis
From the events of 2020 and 2021, many of us have learned the hard lesson that we can never, ever predict the future. Disaster of any nature can strike at any time and we may never be able to truly prepare for every future possibility....
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Should You Take The Lump Sum Over The Monthly Pension?
A question that sometimes comes up during retirement planning is whether it makes sense to take a pension as a lump sum or an annuity payment. Many of my clients are employees of DTE Energy, and some current DTE employees originally...
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What You Need To Know About Your Medicare Plan
An oft-overlooked, yet headache-inducing transition to retirement is the Medicare plan. Medicare offers a variety of enrollment options. These options give you the flexibility to choose components of the plan that you need, but they...
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Do You Know A DTE Energy Employee Who Needs My Financial Guidance?
One factor that sets me apart from other financial planners is my extensive experience and familiarity with the retirement plans offered through DTE, including plans carried over from MCN Energy. I have worked with hundreds of DTE...
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Common Causes Of Debt And How To Avoid Them
It’s no secret that Americans seem to have a love affair with debt. At the time this is being written, the personal debt of U.S. citizens is an average of $64,145 per person. Secured debt like auto loans, mortgages, and rental...
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What You Need To Know About Your MCN Energy Severance Package
The MCN Energy severance package was designed to equalize the retirement benefits between MCN and DTE Energy employees. Under the old MCN Traditional Pension Plan (TPP), employees are penalized for retiring before age 62, whereas the...
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Who I Serve And How I Can Help
For many people, finances are a major cause of stress. It’s hard to find the time and resources to build and manage your wealth confidently. It can be even harder to know how to integrate your family’s values, financial...
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Case Studies of DTE Energy Employees We’ve Helped
At the Center for Wealth Management, we have worked tirelessly over the years to help employees of DTE Energy transition seamlessly into retirement. Below are a few case studies of actual clients who wanted to retire early and needed...
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Do You Have Questions About Your Social Security Benefits?
It’s no secret that for most Americans these days, Social Security is a significant retirement asset. Born out of the Great Depression as a retirement safety net, these days a record high of around 180 million people are working...
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What I Do And How I Can Help
It can be hard enough to manage your finances when your circumstances are relatively simple, let alone when you have extra decisions due to your career. When you need help, how do you know who to turn to? Who can you rely on to...
Read MoreWashington Gone Blue
Wednesday, January 6, 2021, will be remembered in the history books—for a couple of reasons. First, while Congress met to count the inaugural votes, we anticipated that members from both houses would be objecting to electors from...
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Why I Became A Financial Advisor
For many of us, we grow up learning what we are good at and what we enjoy doing with our time. If we’re lucky, our skills and passions line up and we have the privilege of having a fulfilling career. That’s exactly how I...
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Why I Became A Financial Advisor
I’m often asked, as I’m sure many others are as well, why I chose to do what I do for a living. The question itself feels cliché, and I absolutely cringe when I hear it. I know there are some people that, when asked...
Read MoreOutlook 2021: Where We Are and Where We're Headed
Outlook 2021: Where We Are and Where We’re Headed Presented by Center for Wealth Management As we approach the beginning of a new year and consider what it may bring, it’s helpful to reflect on the one now behind us. After...
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Navigating The DTE Energy 401(k) Plan
As a DTE Energy employee, are you utilizing the 401(k) plan? There are some key advantages of leveraging the 401(k) to save for your retirement. The IRS increased deferral limits for 2021, allowing you to defer even more than last year...
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Case Study: How A Professional Engineer Saved On Taxes
You’ve worked hard your entire life, and now you are so close to retirement you can taste it. You’re thinking of retiring early. Good for you for being diligent and committed to saving for your retirement future....
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