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How is your financial plan serving you?  Read along for some help tips and tricks.  Cash flow strategies are incredibly important during periods of uncertainty and as we prepare for the unexpected.  Follow my blog for educational tidbits to help you along your financial journey.  And, if you ever want to visit one-on-one, I am just a phone call or email away.  Stephanie L. Surhbier 605-306-3248 or stephanie@agilewealthsolutions.com 

Thursday, May 26, 2022

Life insurance needs to be a priority. It is a protection plan that allows your partner to grieve without the added stress of financial strain. Your family will experience stability. You would leave them the means to live a lifestyle you...

Thursday, May 19, 2022

Here’s a little-known fact that may help you save money on life insurance: when it comes to underwriting, insurance carriers typically rate clients to their closest birthday.What does that mean? It means that if you are 39 years...

Thursday, May 19, 2022

For many of us, the month of May marks the beginning of summer. The warmer weather and glaring sunshine bring with it a promise of fun, adventure, and memories to be made. The three-day-weekend that Memorial Day brings can be an excuse...

Friday, April 29, 2022

Last year, the labor market saw nearly 48 million people leave their jobs. This number marks an annual record and hasn’t slowed much during the first months of 2022. For eight straight months, we have seen these numbers exceeding...

Wednesday, May 5, 2021

MythBusters does a great job of disproving some common myths. In fact, when I discovered that bubble gum doesn’t actually stay in your system for 7 years, I was shocked! Besides gum, I also thought that I needed to wait an hour...

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Friday, April 23, 2021

Last week on April 15th we celebrated National Rubber Eraser Day and looked at some common financial mistakes. This week, on April 23rd it is National Take a Chance Day. Taking a chance means you do something without knowing for sure...

Thursday, April 15, 2021

For some reason, we always enjoy hearing what weird/random day it is and how and why we celebrate it. Today, April 15, is National Rubber Eraser Day. That’s right, there is an entire day dedicated to celebrating, recognizing,...

Saturday, April 10, 2021

Sibling rivalry is a tale as old as time. Even the closest siblings have spats. And as parents, we are taught that we are supposed to love all of our children the same. We’re not supposed to pick favorites. So, why would a parent...

Monday, November 9, 2020

On October 26, the Treasury Department released the 2021 adjusted figures for retirement account savings. Although these adjustments won’t bring any major changes, there are some minor elements to note.401(k)sThe salary deferral...

Monday, October 26, 2020

Teaching Your Kids About Money It can be tricky to teach your kids about money no matter what their age. Starting when they’re little can help them learn the value of money right away. Learning About Dollar and Cents I'll never...

Friday, October 23, 2020

Coping With Divorce When You Have Children Navigating a difficult change in your life situation and home environment is never easy. When there are children involved, it can be particularly tricky. In this post I'll do my best to stay...

Thursday, October 22, 2020

What or Who is Your Why? As a 20 something fresh out of college, I wanted to work hard, set myself apart from my peers, get promoted and some day make a lot of money. How's that for a dose of truth? As a young CPA, I remember getting...

Tuesday, October 20, 2020

Divorce and Your Cash Flow Dealing with a divorce can lead to unforeseen money problems, and the effect of divorce on your cash flow can be an unpleasant surprise. This can be especially true for people who find themselves moving from...

Wednesday, October 14, 2020

Future Focused Planning In such a fast paced world, it is SO easy to get caught up in the day to day...raising our children, keeping a clean home, giving 110% at work, attending sports/extracurricular events, and so many other things....

Tuesday, October 13, 2020

Social Security started in 1935 to help limit the financial burdens on the elderly, poor, temporarily unemployed, and the disadvantaged. Payroll taxes fund Social Security Federal Insurance Contributions Act (FICA) or under Self...

Sunday, October 11, 2020

Growing, Growing, Gone This is my crew, the three small humans that I am so incredibly blessed to have call me "Mom." Imagine a world where each parent followed the exact same specified set of rules to raise each and every child....

Saturday, October 3, 2020

Happy Fall Everyone! Here's to making memories with those we love, taking the time to plan ahead for their futures, and giving each day our best. From my family to yours, wishing you a safe and happy fall!

Friday, October 2, 2020

Divorce and Retirement As you work your way through a divorce, it is extremely important to rebuild your financial plan, including looking at how divorce effects your retirement. During a marriage we often get used to having two...

Tuesday, September 29, 2020

Divorce and Life Insurance It may often be overlooked during the overwhelming period after the dissolution of a marriage, but the effects of divorce on life insurance and necessary changes to your policy should not be missed. Life...

Thursday, August 20, 2020

HSA stands for health savings account and is a tax-advantaged account that allows individuals to save money for out-of-pocket medical expenses. To be eligible to contribute to a HSA, you must have a high deductible health plan (HDHP),...

Thursday, July 30, 2020

When it comes to paying income taxes, there is a common misconception that you pay a single percentage rate for the entire amount. In other words, they incorrectly assume that if you are bumped up to a higher tax bracket that you pay...

Tuesday, June 2, 2020

Thought Process Series: To Refinance or Not to Refinance For the last year or so, the question about to whether or not to refinance your current mortgage has probably come up in recent coversations. But, you may have found yourself...

Tuesday, May 19, 2020

Thought Process Series: Managing Financial Stress Sometimes when we are feeling financial pressure, it seems easier ignore the problem and hope that it goes away. If perhaps not watching spending as closely as maybe we should, has lead...

Sunday, May 17, 2020

Thought Process Series: Where to Keep Your Savings This series is intended to give you a little "Food for Thought" regarding every day topics. The topic today, where to keep your savings. I tend to put funds into buckets and give...

Friday, May 15, 2020

Thought Process Series: Teaching Your Children/Teenagers About Money "Adulting" is challenging enough sometimes with trying to juggle your career, volunteering, social groups/activities, family obligations and the like. Why not give...

Monday, May 11, 2020

Thought Process Series: Changing Jobs This series is intended to give you a little "Food for Thought" regarding every day topics. The topic today, evaluating job changes. Apples to Apples Salary Current Job Job Offer Hourly Rate...

Thursday, April 30, 2020

Financial Considerations for Your Divorce Marital addition and disposition can both be expensive transactions, that sounded entirely too much like a business transaction, huh? When we choose to enter into a marriage, a legally binding...

Monday, April 27, 2020

I'll show you mine, if you show me yours. While a first date might not be the ideal opportunity to discuss your financial situation, before you get too deep into a relationship, I would recommend having discussions around things like.....

Friday, April 24, 2020

Whether you spent your working life actively, intentionally pushing toward retirement or slid into it with unexpected life circumstances, one challenge can be finding your new routine and life purpose. Before retirement, you were...

Tuesday, April 21, 2020

Life Insurance: Understanding Term Insurance What exactly is "Term" life insurance? I like to think about Term Life Insurance like car insurance. You agree to pay the insurance company a premium (monthly, quarterly, semi-annually or...

Sunday, April 19, 2020

Depending on your stage of life...you might have a Certified Public Accountant (CPA) preparing your taxes, you might have an Attorney who put together a Will for both you and your spouse and you might have a Financial Advisor. It feels...

Friday, April 17, 2020

Let's be real, very real for a moment. Divorce is hard. Whether you initiated your divorce or your partner asked you for the dissolution of your marriage, life before and life after divorce often look very different. Two income...

Wednesday, April 15, 2020

Many of us have attempted to build a budget at one point or another. The problem with budgets is that we set them up with the best of intentions, then stick that handy budget in a drawer and never look at it again. What makes a budget...

Sunday, April 12, 2020

A Roth IRA is a retirement account that you contribute to with dollars that are after-tax dollars. Because you have already paid tax before making the contribution, you do not receive a current year tax benefit for having made the...

Thursday, April 9, 2020

Risk Tolerance, Asset Allocation & Rebalancing...what are they and why do we care? Let's start by getting out of the terminology and into understanding how we are impacted. First of all, Risk Tolerance, to very simply dissect, think...

Wednesday, April 8, 2020

Wednesday, April 8, 2020

Wednesday, April 8, 2020

Wednesday, April 8, 2020

Wednesday, April 8, 2020

Wednesday, April 8, 2020

Wednesday, April 8, 2020

Wednesday, April 8, 2020

A traditional IRA is a type of retirement account that you contribute to with pre-tax dollars. This means that when you put money into a traditional IRA account, you do not pay taxes on the money as you make the contribution (*see...

Wednesday, April 8, 2020

Whether you are just starting out in life or in well into retirement, each stage of life presents different financial planning opportunities and challenges. No matter what your age or stage, here are a thoughts for your consideration....

Monday, April 6, 2020

Have you ever noticed that when you are saving for something fun, an expected expense for precisely that amount seems to crop up out of nowhere? You've probably heard someone say, "Two things in life are certain, death and taxes." Well...