Broker Check


Thursday, November 17, 2022

Are there financial or investment steps you can take to reduce your tax burden either this year or in 2023?

Thursday, November 10, 2022

Investing IRA assets directly in real estate or using assets to fund a startup business may seem attractive alternatives, but carry numerous risks.

Monday, November 7, 2022

This November, Dan Flanagan is once again is letting his beard grow to show support and raise funds for the Movember Foundation to promote greater awareness of men’s health issues.

Monday, November 7, 2022

Rising IRS income thresholds may reduce what many taxpayers will owe to Uncle Sam in 2023.

Tuesday, October 25, 2022

Rising inflation and interest rates have spurred the IRS to make record increases in retirement plan contribution and compensation limits for 2023.

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Monday, October 17, 2022

A recent ursine visitor to my home inspired some unique lessons that may be relevant to nervous investors during this year of unsettling market downturns.

Friday, October 7, 2022

Unhappy with your current Medicare coverage? Here's what you can do during Medicare's fall enrollment period.

Thursday, October 6, 2022

Persistent inflation, fueled by energy market disruptions, has wreaked havoc on global investment markets in 2022. 

Tuesday, September 27, 2022

If you recently learned that you are a beneficiary of a deceased relative’s trust, you need to understand your rights and know what to expect.

Tuesday, September 27, 2022

Take estate planning steps now to ensure that your wealth is distributed to your children and your spouse according to your wishes.

Thursday, September 8, 2022

In the short term, it seems they will indeed continue to increase. Here’s why.

Tuesday, September 6, 2022

Series I Savings Bonds offer interest rates that adjust with inflation.

Tuesday, September 6, 2022

While the Biden administration's student debt relief provisions haven’t been finalized, it’s still worth understanding what they are.

Tuesday, September 6, 2022

If you store information digitally, you’ll need to make sure your executor or personal representative can access everything they need to gather and safeguard your assets.

Tuesday, August 9, 2022

If your jewelry, fine art, electronics, medical devices, musical instruments or antiques get stolen or destroyed in a fire or flood, how much will your insurance company pay to replace them?

Tuesday, August 9, 2022

If you have appreciated company stock in your 401(k) plan, you can avoid being hit with a huge tax bill when you decide to withdraw that stock from your plan. 

Tuesday, August 9, 2022

While the latest GDP figures technically point to a recession, other indicators say we aren't there--yet.

Tuesday, August 9, 2022

For business owners who want to maximize their retirement contributions and reduce their taxable income, an individual 401(k) plan may be an attractive option.

Monday, July 11, 2022

Not much went right for investment markets and the economy in the first half of 2022.  Is improvement on the way?

Tuesday, July 5, 2022

Appealing and potentially winning a lower assessment could potentially save hundreds or even thousands of dollars annually in future taxes.

Tuesday, July 5, 2022

If you’re still working at age 72 or older here's why you may not have to take RMDs from your 401(k) plan.

Tuesday, June 7, 2022

Despite risks, economic fundamentals here in the U.S. remain positive.

Tuesday, June 7, 2022

Student loans, grants and work study will only pay for a certain percentage of their annual expenses. The rest will have to come from you.

Tuesday, June 7, 2022

You want to retire comfortably when the time comes. You also want to help your child go to college. So how do you juggle the two?

Tuesday, June 7, 2022

Whether your high school graduate will attend college in the fall or your recent college graduate is embarking on a career, it’s important for them to learn how to manage money responsibly.

Monday, May 16, 2022

In spite of recent market headwinds, it’s important to note that economic fundamentals are still showing signs of improvement

Monday, May 9, 2022

Many owners are wary of the tax implications of selling concentrated stock positions. However, sometimes the simplest solution can produce the best result.

Monday, May 9, 2022

As excited as you may be about moving on to a new job, it’s important to first tie up loose ends at your old one.

Monday, May 9, 2022

If you owed federal income taxes in 2021, your employer’s benefits program may help you reduce your taxable income and improve your quality of life.

Monday, May 9, 2022

Make sure your smartphone is thoroughly protected from prying eyes and hands. 

Monday, April 11, 2022

Inflation and war delivered a one-two punch to investment markets in the first quarter of 2022.

Monday, April 4, 2022

If you never thought you needed insurance, just ask yourself: Would your death put your family’s financial security at risk?

Thursday, March 24, 2022

Dan Flanagan, Eric Kristenson and David Jaeger provide their recommendations for books, apps and websites to help families increase their knowledge of personal finance and investing. 

Monday, March 14, 2022

The risks are real, but so are the opportunities.

Monday, March 7, 2022

Under certain circumstances, your monthly Social Security check could be significantly reduced if you’re also getting monthly state or local pension benefits.

Monday, March 7, 2022

Before you click the “donate” button on any charity's web site, look for these red flags.

Thursday, February 10, 2022

If you participate in a company sponsored retirement plan, it's always a worthwhile practice to review your account at least once a year.

Thursday, February 3, 2022

Is your current Medicare Advantage plan giving you "buyer's remorse"? You're in luck because during Medicare’s Open Enrollment season you can make changes in certain situations.

Thursday, February 3, 2022

The earlier you file, the earlier you'll receive any refunds you're entitled to.

Wednesday, January 12, 2022

Looking forward to 2022, we expect investment results will “revert to the mean” with lower returns for the full year.

Tuesday, January 4, 2022

The sooner they see the benefits of saving for retirement in terms of dollars and cents, they’re more likely to get on board.

Tuesday, January 4, 2022

New IRS distribution period adjustments starting in 2022 will enable you to take a lower percentage of your IRA and 401(k) account assets as RMDs.

Monday, January 3, 2022

Until the past decade or so, most employer healthcare plans covered the majority of employees’ medical costs. Not anymore.

Thursday, December 9, 2021

An important part of year-end tax planning is understanding how mutual fund distributions and capital gains are taxed.

Monday, December 6, 2021

How do you know if a seemingly attractive offer you've received fits your needs both today and down the road?

Thursday, December 2, 2021

Having an updated and comprehensive will is the first step in making sure the probate process goes smoothly after you pass on.

Thursday, December 2, 2021

To reduce your tax burden and avoid getting penalized for underpayment, it's important to know how taxation for the self-employed works.

Monday, November 29, 2021

More than 700,000 people fell victim to phone, email and text-based Social Security scams in 2020. Don't be one of them.

Monday, November 8, 2021

Now is a good time to start thinking about important decisions you may need to make about your financial plan.

Monday, November 8, 2021

It's about creating your vision of a better world and developing an action plan to make it a reality.

Tuesday, October 19, 2021

The annual cost-of-living adjustment (COLA) will rise by 5.9% starting in January 2022, But Medicare premiums may consume a good portion of it.

Monday, October 11, 2021

Do September’s losses signal the start of a bear market or just a minor correction in a long-term bull market?

Thursday, October 7, 2021

Use this checklist as a starting point to keep your estate plan in good shape.

Thursday, October 7, 2021

How much debt you’ve accumulated—and how efficient you are at paying it off—are the main factors that determine your credit score.

Tuesday, October 5, 2021

The rules for splitting accounts are unique to each type of retirement account.

Thursday, September 23, 2021

In his new role, David will help guide individuals, families and retirement plan participants through every stage of their financial lives.

Wednesday, September 8, 2021

As the Medicare enrollment period approaches, it’s best to map out a plan ahead of time to avoid making poor decisions.

Wednesday, September 8, 2021

If you want a clearer vision of how financial realities may impact your retirement dreams, start asking yourself key questions today.

Wednesday, September 8, 2021

Parents and grandparents should know about the most significant FAFSA changes in store to help them make better college gifting decisions today.

Monday, August 9, 2021

Yours may be one of 35 million tax returns awaiting processing.

Monday, August 9, 2021

The Roth 401(k) offers most of the same tax free-benefits as the Roth IRA. But there are important differences.

Monday, August 9, 2021

If you feel financially unprepared for the breakup of your marriage, you’re not alone.

Friday, July 16, 2021

Global stock markets continued their positive trend during the second quarter of 2021.

Tuesday, July 6, 2021

After two years of decreases, interest rates on subsidized and unsubsidized federal student loans are set to increase nearly 1%.

Tuesday, July 6, 2021

The longer you wait to claim your benefits, the larger your monthly payment will be.

Tuesday, June 22, 2021

A new brokerage account for teenagers may help them learn how to become responsible investors.

Tuesday, June 22, 2021

There are many rollover-related rules, and some of them can be quite complicated.

Tuesday, June 22, 2021

For certain people it may accomplish a number of estate objectives, but may not be appropriate for everyone.

Tuesday, May 11, 2021

Figuring out where one program leaves off and another begins can be a challenge.

Tuesday, May 11, 2021

If you’re the parent of a special needs child, it’s vital to ensure that your child will continue to be provided for after you’re gone.

Tuesday, May 11, 2021

When it's time to prepare the next generation for a financial legacy, you might want to bring your family members together to talk about money.

Monday, April 19, 2021

Spring is in the air and signs of hope abound as the US economy emerges from the pandemic-induced recession of 2020.

Tuesday, April 13, 2021

Did you know that the credit score provided to you may be different than the one provided to lenders?

Tuesday, April 13, 2021

Unfortunately, even the deceased can’t escape taxation.

Thursday, April 1, 2021

There are many ways to teach your children good money sense. The key is to have your children learn by doing.

Monday, March 22, 2021

It's important for for both spouses to try to contribute toward their own retirement. But as a non-working spouse, your options are limited. But there is one tool you should know about: The "spousal IRA."

Monday, March 22, 2021

As you approach your initial Medicare enrollment period, which begins three months before your 65th birthday, you may be wondering if you need to sign up if you or your spouse continue to work and have employer-provided coverage.

Monday, March 22, 2021

Once investors start participating in a 401(k) plan or contributing to an IRA, they sometimes make mistakes that can throw their retirement plans into disarray.

Thursday, February 18, 2021

In an investor education article on, Joelle Spear is quoted explaining the differences between a market correction and a bear market and how investors should resist impulsive actions during these events.

Tuesday, February 9, 2021

If you were eligible for these payments but didn’t get them, don’t despair. You may still be able to claim them on your 2020 tax returns.

Tuesday, February 9, 2021

How do you report your investment dividends and gains and how are they taxed?

Tuesday, February 9, 2021

The GameStop saga was fun to follow. But should you personally feel worried by it? No.

Saturday, January 9, 2021

Unlike most traditional self-directed online brokers, many of these new apps make it easy for novices to get in over their heads and underwater.

Wednesday, January 6, 2021

There are a number of steps you can take right now to make sure that your financial life is in good order.

Tuesday, January 5, 2021

As an organization, Canby Financial has adapted and grown to become a trusted resource for hundreds of families and small businesses.

Monday, January 4, 2021

Doing nothing to plan for end-of-life events could result in a loss of control over your own affairs and confusion for your loved ones.

Monday, January 4, 2021

If you’re taking Required Minimum Distributions (RMDs) from your IRA, you can use this account to help support your favorite charities.

Monday, December 28, 2020

Dan offers his unique perspective on taxes to a couple considering giving their home to their children.

Tuesday, December 8, 2020

The "backdoor" strategy offers a way for high earners to contribute to a Roth IRA.

Monday, December 7, 2020

These true or false questions can help you understand how much eldercare costs, and how you can arrange for it when it is needed.

Monday, December 7, 2020

As effective as trusts can be in managing assets, they can be completely ineffective if not properly funded.

Tuesday, November 24, 2020

Joelle explains how COViD-19 spending reductions are helping Americans save more for major purchases.

Monday, November 23, 2020

Joelle offers advice for potential mortgage refinancers.

Tuesday, November 10, 2020

Canby Financial's Retirement Plan Consultant offers his insights on safe harbor 401(k) plans.

Tuesday, November 3, 2020

The financial aid equation has many moving parts.

Monday, November 2, 2020

With a few exceptions, most contribution limits for retirement accounts aren't increased for 2021.

Friday, October 9, 2020

The article discusses how savings benchmarks change at different lifestages.

Tuesday, October 6, 2020

While there are more important matters to deal with after the death of a loved one, someone needs to delete the deceased’s online accounts.

Tuesday, October 6, 2020

An endowment fund is just one of several ways you can permanently support a charitable organization.

Monday, September 14, 2020

What do most outdated, clichéd election year predictions have in common? They never come true.

Monday, September 14, 2020

While each can help in the distribution of assets at death, there are important differences between the two.

Tuesday, August 11, 2020

In 26 states, children may be financially responsible for certain debts of their parents, including nursing home costs.

Tuesday, August 11, 2020

Historically low mortgage interest rates are making many homeowners think about refinancing. But it's important to look beyond the numbers.

Monday, July 20, 2020

Dan discusses opportunities and challenges posed by the aftermath of the COVID-19 crisis.

Thursday, July 9, 2020

When events cause a portfolio to hold a larger portion of certain securities or asset classes than specified in the investor’s target asset allocation. it can raise the overall risk level.

Thursday, July 9, 2020

With the fallout from the pandemic causing an unprecedented increase in unemployment insurance claims, reports of identity theft are rampant.

Tuesday, July 7, 2020

It's important to learn how to avoid impulsive actions that could harm your financial security over the long run.

Tuesday, June 9, 2020

With the COVID-19 pandemic keeping many employees working remotely, their tax situation--and yours--may become increasingly complex.

Tuesday, June 9, 2020

To reap the tax-free distribution benefits of Roth IRA and 401(k) accounts when you turn 591/2 or older, you need to wait five years.

Tuesday, June 9, 2020

If you or someone you know is unemployed or has accepted an early retirement offer, it’s important to know what healthcare options may be available.

Wednesday, May 6, 2020

To encourage people and businesses to give more, the CARES Act provides several incentives for those who make donations in 2020 and beyond.

Tuesday, May 5, 2020

Shameless criminals and scammers are profiting from Coronavirus-related fears.

Thursday, April 9, 2020

Selling stocks at a loss may help you lower your taxes for years to come.

Tuesday, April 7, 2020

If you've been thinking about converting some or all of your retirement account assets to a tax-free Roth IRA, now might be an optimal time.

Thursday, March 5, 2020

Confused by cryptic phrases like "falling yields" and "rising interest rates"? Here’s a refresher course on how the bond market works.

Thursday, March 5, 2020

As painful as this process may be, there will be a number of important steps you'll need to take to remain financially secure and independent.

Thursday, February 6, 2020

Why it’s important to gradually sever your adult children's monetary apron strings.

Thursday, February 6, 2020

This retirement tool can help valued employees save money in amounts greater than what could be set aside in a typical retirement plan.

Thursday, February 6, 2020

Explore some common-sense ways to safeguard your financial information at home and online from fraud and identity theft.

Thursday, February 6, 2020

Once you hit this milestone you may be able to contribute up to $6,500 more to your retirement plan every year.

Monday, January 13, 2020

Although commonly associated with multimillion-dollar offshore trusts, asset protection planning takes many forms, for every type of individual.

Thursday, January 9, 2020

In general, the only people who have to worry about gift taxes are the so-called “one percenters.”

Thursday, December 5, 2019

Choosing whether to give directly or whether to use one or more charitable giving vehicles (or a combination of both) should reflect your giving style, your tax situation, and your legacy planning priorities.

Thursday, December 5, 2019

If you’ve been thinking about hiring in-home help, whether it’s a nanny, housekeeper, maid, driver, personal chef, gardener or someone else, learn from my experiences in becoming a newly minted household employer.

Thursday, December 5, 2019

For many graduates, earning a higher education degree has left them with sizable student loan debt. Fortunately, there are a variety of repayment options.

Monday, October 14, 2019

Beware of online scammers posing as AppleCare technical support specialists who offer to "fix" your frozen MacBook or iMac or iPhone.

Monday, October 14, 2019

How can you balance the responsibilities of raising your own children while also serving as caregivers to your parents?

Monday, September 9, 2019

While you can't always prevent identity theft, you can proactively keep people from accessing your Social Security record online.

Friday, August 9, 2019

Restoring your targeted asset mix at least once a year is critical to keeping your investment strategy on track.

Tuesday, August 6, 2019

Anyone can change your mailing address, putting your financial security at risk. How can you protect against this growing identity theft threat?

Thursday, June 6, 2019

A $100 investment every five years can dramatically reduce the time you spend waiting in line at the airport when you travel overseas.

Thursday, May 9, 2019

As your parents age, they may be more susceptible to fraud and less able to deal with their financial challenges. How can you help?

Thursday, May 9, 2019

Beginning October 1, 2021, you'll want to present a REAL ID-compliant state driver's license when you travel by air.

Tuesday, March 19, 2019

Whether you're running an online auction house on eBay or cashing in on inherited antiques, it's important to know if your profits are taxable.

Tuesday, March 5, 2019

Increased cash flow and tax benefits are attractive reasons to own rental properties. But make sure you understand what's involved.

Friday, January 11, 2019

Think of yourself as CEO of a monetary workforce which has a variety of different jobs.

Monday, November 5, 2018

Restricted Stock Units (RSUs) are an employer benefit you shouldn't take for granted. Here's what you need to know about them.

Monday, August 6, 2018

You don't have to have the wealth of Warren Buffett or Melinda Gates to identify and act on your philanthropic passions and priorities.

Tuesday, July 10, 2018

CFP®. CRPS®. AEP®. Learn what these and other industry designations mean and why they matter.

Monday, June 11, 2018

You don’t need to turn your home into a fortress to keep your personal information safe.

Monday, June 4, 2018

Can you invest with companies or industry sectors that align with your moral values without sacrificing potential returns? The answer is "Yes."