by Joe Allaria CFP®, MBA | Aug 25, 2025 | Article, Portfolio Management, Risk Management
The Right Way to Diversify Your Investment Portfolio Key Takeaways: Real diversification isn’t just owning many funds — it means ensuring the underlying assets are truly different in industry, size, geography, etc., to avoid overlapping exposures. Owning multiple...
by Joe Allaria CFP®, MBA | Apr 1, 2025 | Article, Portfolio Management, Risk Management, Tax Planning, Video
Estate Planning in Illinois: Everything You Need to Know Key Takeaways: Estate planning in Illinois isn’t just for the wealthy — everyone, no matter their age or assets, benefits from having a plan to clarify how their property, finances, and medical decisions will be...
by Joe Allaria CFP®, MBA | Mar 17, 2025 | Article, Portfolio Management, Risk Management, Tax Planning, Video
How Tariffs Could Impact Your Investments, Retirement, and Everyday Expenses Key Takeaway: Tariffs raise prices on everyday goods and create market uncertainty, which can strain your budget and increase volatility in your investment and retirement accounts. In recent...
by Joe Allaria CFP®, MBA | Dec 20, 2024 | Article, Estate Planning, Risk Management
Term vs. Whole Life Insurance Key Takeaways: Term life insurance is typically far less expensive and covers you for a fixed period — ideal if you want affordable protection during years with major financial obligations. Whole life insurance costs more but provides...
by Joe Allaria CFP®, MBA | Oct 16, 2024 | Article, Estate Planning, Risk Management
How Much Life Insurance Do I Need? Key Takeaway:You should base how much life-insurance you need on what your death benefit must cover — debts (like mortgage or loans), future expenses (children’s education, etc.), and income replacement for loved ones — so total up...
by Joe Allaria CFP®, MBA | Dec 29, 2021 | Article, Portfolio Management, Risk Management
Health Savings Accounts: A Best-Kept Secret? Health Savings Accounts (HSAs) are somewhat of a hidden gem in the investment world. Many people may have heard of an HSA before, but few are aware of how beneficial they can be. In many of my own client interactions, I...
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