Should You Consider a Credit Freeze?

Some time back a government agency that holds my personal data reported a data breach and offered free credit monitoring, for which I signed up.  A few weeks ago the monitoring company notified me that my personal data had appeared on “the dark web,” a part of the internet that’s associated with illegal activities.  It’s…

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Between Greed and Fear: A Prudent Financial Path

Many of us arrive at adulthood with little to no formal education regarding investment management. How much financial management is taught in school or even college? Yet most of us eventually find ourselves owners of a 401(k) or similar self-directed retirement plan. Where do we start? Parenthetically, that is, in part, where I formed my…

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In Support of the Fiduciary Standard

It’s one of the most fundamental and dear characteristics of the work we do at Empowerment Financial Guidance: earning the trust and confidence of our clients. We strive to do this in various ways, of course, including the intangibles of demeanor, openness, and honesty. We also have been very intentional in creating a structural business…

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