Welcome to Our Blog

We intend to provide blogs on topics that are focused on helping people understand and deal with specific issues involving personal finances, including planning for the future, the nature and scope of financial services, and managing your portfolio in today’s market without losing sight of your future goals.

We believe there is a need for sound financial advice delivered in a timely manner from people you trust. The team at St. John and Associates has deep financial experience, and we are pleased to share that experience with you.

Greg, Bryan, guest writers and I will be posting things regularly that we hope you will find useful in your financial life. As always, feel free to contact us directly by phone or email with any questions.

Sincerely,
Richard St. John, Founder

Explaining the Benefits of a 401(k) to Young Adults Entering the Workforce

by St. John & Associates on Dec 29, 2021

finance

If you have a child graduating from high school or college and entering the workforce, they may have the opportunity to open up a 401(k) through their new employer. In some cases, that employer will also offer matching contribution funds up to a certain percentage. While it sounds like a no-brainer to take advantage of these benefits early, less than one-third of employees ages 25 and younger participate in their employer’s 401(k) plan. 

Understanding Exchange-Traded Funds

by St. John & Associates on Dec 22, 2021

finance

Thinking about where to invest your money can be overwhelming and confusing, especially for those who are unfamiliar with all options for investing. If you’d like to take advantage of the ease of stock trading with the diversification of mutual funds, exchange-traded funds (ETFs) can give you the best of both worlds. Here are some key things to know about ETFs before investing.

Is a Reverse Mortgage a Smart Path to Extra Retirement Cash Flow?

by St. John & Associates on Dec 15, 2021

Retirement
If you’re over the age of 62 and in need of some extra cash flow in your retirement, you may be considering a reverse mortgage. Borrowing money from your home equity might sound like a good idea, but is it actually a wise move financially? Here are some things to consider when making the decision to take out a reverse mortgage on your home.

Should You Retire at the Same Time As Your Spouse?

by St. John & Associates on Dec 8, 2021

Retirement

If you and your spouse are making plans to retire, you’re probably wondering whether it’s a good idea to retire at the same time. Many couples go through the same thought process and, in fact, one in four couples quit their jobs within a year of each other. But retirement is a decision that should be carefully thought out. Here are some things to consider when deciding whether to retire at the same time as your spouse.