Blog
New Retirement Contribution Limits for 2026
The Internal Revenue Service (IRS) has released new limits for certain retirement accounts for the coming year. Keep in mind that this update is for informational purposes only, so please consult with an accounting or tax professional...
Read MoreWealth Wisdom With Dawn Hemming
Dawn Hemming, voted 2025 Red Hot Best Financial Advisor, shares her insights and lessons from 33 years of guiding clients.
Read More529 Savings Plans
Saving for your children's (or grandchildren’s) education is a long-term financial goal for many. A 529 plan can be a good tool to smartly save for those down-the-line expenses.
Read MoreWhat is a Registered Investment Advisor (RIA)?
What is a Registered Investment Advisor? A Registered Investment Advisor (RIA) is legally required to act in your best interest. Unlike some advisors who earn commissions on products they sell, RIAs typically operate on a fee-based...
Read More2025 Contribution Limits
2025 contribution limits are here - check to see if your contribution strategy needs an update.
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2025 Tax Guide
It's time to start thinking about the 2025 tax season! We've gathered a list of important information to help you prepare.
Read MoreGain Perspective on Your Spending
Gain Perspective on Your Spending Instead of throwing a dart at the dartboard and hoping you can pay the credit card bill each month, create an intentional spending plan that includes the things that are most important to you. Maybe...
Read MoreBreaking Down Medicare
Understanding Medicare Open enrollment for Medicare has begun, and lasts through December 7th, 2024. Whether you've recently enrolled or you're looking to adjust your current plan, now's the time to review your benefits and consider if...
Read MoreLife Insurance & Financial Planning
September is Life Insurance Awareness Month! While insurance can often be confusing and hard to understand, it’s important to be aware of the different types of insurance available to you and how they can factor into your long-term...
Read MoreSummer Fun in Northern Michigan
Summer is officially here, and the hemming& team is excited to get out and enjoy it! Northern Michigan has so much to offer, and everyone has their own favorite summer activities and places. We've asked everyone on the hemming& team to...
Read MoreFive Basics of Financial Literacy
The more you understand about the world of finance, the easier it is to ensure your plans are helping you reach your financial goals. We've chosen 5 Basics of Financial Literacy to help you assess your current understanding.
Read More9 Facts About Retirement
Retirement can have many meanings. For some, it will be a time to travel and spend time with family members. For others, it will be a time to start a new business or begin a charitable endeavor. Regardless of what approach you intend...
Read MoreThe Pre-Retirement Checklist
Getting ready for retirement? Before you cross that bridge, you’ll need to cross some important items off your to-do list. Understanding one’s financial goals, estimating future expenses, and factoring in lifestyle changes...
Read More2024 Contribution Increases
The Internal Revenue Service (IRS) has released new limits for certain retirement accounts for the coming year. This update is for informational purposes only. Please consult an accounting or tax professional before making any...
Read More2024 Social Security Increase
The Social Security Administration has announced a 3.2% Cost of Living Adjustment (COLA) for 2024. This adjustment means the average Social Security retiree beneficiary will see their monthly check increase by about $57 to $1,849,...
Read MoreSocial Security & Retirement Earnings
The fact that you've decided to retire doesn't necessarily mean you want to stop working. Retirement is a great time to explore alternative career options, try your hand at a new career, or work part-time to add a little extra cash to...
Read MoreTeaching Kids Financial Literacy
Parents share a lot of private things with their children in the hope that the information will help them grow into successful adults. But there is one topic most parents try to avoid talking about at all...
Read MoreFind That Lost 401(k)!
Do you have a long-lost retirement account left with a former employer? Maybe it's been so long that you can't even remember? With over 24 million "forgotten" 401(k) accounts holding roughly 1.35 trillion in assets, even the most...
Read MoreSummer Opportunities
The warm months bring not only sunshine and relaxation but also a chance to reassess our financial goals and make the most of the conditions that lie ahead. We are delighted to share with you 5 opportunities that can help you embrace...
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