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Tuesday, February 17, 2026

Government benefits like SSI and Medicaid help families, but they may not cover everything. Learn how special needs planning with Chiodini Financial Group builds long-term financial security.

Thursday, February 5, 2026

When families begin special needs planning, much of the focus is placed on daily care, government benefits, and trusts. While these are essential, life insurance is another important tool that can help provide long-term financial...

Wednesday, January 14, 2026

Families raising children with special needs face unique financial and emotional challenges. While daily care is always the top priority, long-term planning plays a critical role in protecting a child’s future. At Chiodini Financial...

Wednesday, July 24, 2024

Adults caring for aging parents and children simultaneously have now become known as the "sandwich generation." While each generation comes with its own array of financial challenges, the sandwich generation often feels a tight...

Thursday, July 4, 2024

A vital solution for your loved ones without jeopardizing their public benefits A Special Needs Trust (SNT) is a crucial financial tool designed to benefit individuals who rely on needs-based public assistance. These trusts enable...

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Friday, June 21, 2024

Did you know, according to CNBC, more Americans are expected to turn 65 through 2027 than at any other time in history? This rapid population increase of older adults is often called the “Silver or Gray Tsunami,” though many new...

Friday, June 7, 2024

In times of economic upheaval, the natural reaction for many investors is to react with fear and anxiety. Market volatility can unsettle the most seasoned of investors, but with strategic planning and a calm approach, it's possible to...

Thursday, May 23, 2024

529 plans are a tool for those looking to save for college for their children, grandchildren, or any family member. While most people know that they are one of the most popular saving methods for college, many myths surrounding these...

Thursday, May 16, 2024

Small business owners face many challenges, which may become even more significant during inflation. As inflation hit new highs in recent years, small business owners are being tested and challenged by high costs and high interest...

Thursday, May 9, 2024

What is luck? Most dictionaries define it more or less as something good or bad that happens to you, by chance or otherwise, that you find, or don’t find, desirable. We typically associate luck with happiness, gratitude, and a sense of...

Thursday, May 2, 2024

Estate planning is a comprehensive process that involves organizing your assets and making informed decisions concerning how your wealth will be handled before and after death. It is a critical phase of wealth management, essential for...

Thursday, April 25, 2024

The “medical IRA” offers triple-tax benefits and is a unique retirement too As retirement planning becomes increasingly complex, one vehicle is gaining attention for its potent blend of savings and tax advantages: the Health Savings...

Monday, April 22, 2024

Who doesn’t remember their first job, receiving your first paycheck, and even applying for and using a credit card for the first time? Access to money provides a sense of freedom and the ability to buy things you want with your own...

Thursday, April 11, 2024

Financial literacy is essential for your personal financial health and even more crucial for the financial health of your small business. Being a small business owner comes with many responsibilities, one of which is maintaining the...

Monday, April 8, 2024

Being a high earner not rich yet (HENRY) may come with financial challenges. When coupled with the responsibility of raising a child with developmental disabilities, you might need thoughtful financial planning even more. Here are a...

Thursday, April 4, 2024

Being a high earner not rich yet (HENRY) may come with financial challenges. When coupled with the responsibility of raising a child with developmental disabilities, you might need thoughtful financial planning even more. Here are a...

Friday, March 22, 2024

  The average American worker will change jobs more than once in their lifetime. While there are multiple options such as leaving your 401(k) in your former plan if allowed, cashing out the account balance, or transferring the...

Wednesday, March 20, 2024

Being a high earner not rich yet (HENRY) may come with financial challenges. When coupled with the responsibility of raising a child with developmental disabilities, you might need thoughtful financial planning even more. Here are a...

Tuesday, March 12, 2024

Understanding Individual Coverage Health Reimbursement Arrangements As the ominous cloud of rising healthcare costs continues to cast a shadow over small businesses, savvy entrepreneurs are exploring innovative solutions to navigate...

Monday, March 4, 2024

Regardless of the stage of life, your credit score is an essential component of your financial health when you're in retirement. A consistently strong credit score can pave the way for greater confidence, easy loan access, and lower...

Saturday, February 24, 2024

Credit is one of the most important factors of life that impacts all businesses. Having solid credit is necessary for securing a small business loan. Most lenders consider an acceptable business credit score of 75. The U.S. Small...

Monday, February 19, 2024

When filing your income taxes, each taxpayer is different. Some prefer reducing the taxes they owe and getting the most significant possible refund, while others work to keep the taxes they pay as low as legally required. The IRS...

Monday, February 12, 2024

In a surprising turn of events, the Federal Reserve has taken a "dove"ish pivot, signaling a potential end to the rate-hiking cycle that has characterized its recent monetary policy stance. This shift has sent shockwaves through...

Wednesday, February 7, 2024

The Setting Every Community Up for Retirement Enhancement (SECURE) Act, passed into law in December 2019, had significant implications for business owners and employees regarding retirement savings and tax rules.    With some...

Wednesday, January 10, 2024

Business succession planning — what is it? One of the important decisions a business owner must face is when and how to step out of the business — in other words, business succession planning. Do you expect to retire from...

Monday, January 8, 2024

A necessity that underpins stability and growth for your business and you Financial planning is a critical element for the success of any private business owner. It provides a roadmap for working toward both short-term and long-term...

Monday, January 8, 2024

Starting a small business is undoubtedly rewarding. It creates a sense of accomplishment and the potential for financial freedom and gives you, the business owner, a certain autonomy. But just having your business up and running...

Monday, January 8, 2024

Your Social Security retirement benefit may be taxable Did you know that you might have to pay federal income tax on your Social Security retirement benefit? If the only income you had during the year was Social Security income, then...

Monday, January 8, 2024

Asset management and financial wellness can help develop long-term confidence when wealth transfers from generation to generation. Understanding and implementing financial wellness techniques is essential for effectively sharing wealth...

Wednesday, December 27, 2023

Many high-net-worth individuals are aware of their capacity to impact the world to make it a better place through giving. Philanthropy and charitable giving provide a platform for them to affect positive change beyond wealth...

Wednesday, December 20, 2023

Proper financial planning includes forecasting future Social Security benefits In a welcome development for millions of Americans relying on Social Security, the Social Security Administration has recently announced a substantial...

Wednesday, December 13, 2023

Year-end financial planning can help you assess your family’s financial situation, identify areas for improvement, and set achievable goals for the future. Here’s a closer look at seven essential areas where reviewing may...

Thursday, December 7, 2023

The new year is fast approaching, and it is the perfect time to set up resolutions for your business. Whether you want to increase your sales, gather a more extensive customer base, or just accomplish needed business improvements,...

Sunday, November 26, 2023

When developing a succession plan for your business, you must make many decisions. Should you sell your business or give it away? Should you structure your plan to go into effect during your lifetime or at your death? Should you...

Wednesday, November 15, 2023

As we approach the end of the year, you may want to review areas that may impact your wealth and estate planning next year. In this year-end planning guide, we examine four critical areas to consider that may affect your finances:...

Sunday, November 5, 2023

One of the more difficult conversations for family members to have is talking about estate planning. There are several reasons for this, including the reality of our own mortality and that of our loved ones. In some families, it is an...

Sunday, November 5, 2023

As we approach the last quarter of each year, it is a good time to plan for the next one. Year-end planning is especially important for existing retirees and those hoping to retire in the next few years. There are tax and income...

Wednesday, October 25, 2023

As the parent of a child with special needs, you face many of the same challenges that any parent faces. But you'll have to cope with some unique financial, medical, educational, and legal issues as well. Where do you start? Getting...

Wednesday, October 18, 2023

As you go through life, planning for life's unpredictability is essential. If your family has children or adults with special needs, estate planning for their future care becomes vital. Estate planning for them is unique as it needs...

Monday, October 9, 2023

What is family wealth, and how do you preserve it?   You have worked hard for years and accumulated wealth. You earned this money through your job, investing, and saving, and you want to preserve it for yourself and to take care...

Thursday, October 5, 2023

Retirement seems like a long way off, but it arrives faster than you think. The big question is, are you ready? What exactly does retirement entail? Analysts suggest there are four designated phases of retirement that a person often...

Sunday, September 24, 2023

You may sometimes hear the terms "estate planning" and "asset protection" used interchangeably. They actually have different meanings, and it's important to incorporate both strategies into future financial plans. Below, we discuss key...

Wednesday, September 20, 2023

Planning for your financial future and retirement looks much different now than in previous years. Some people must supplement their Social Security to have enough to maintain their desired lifestyle. This means financial planning is...

Wednesday, September 13, 2023

What is a special needs trust? If you have a child or other loved one with special needs you may want to establish a special needs trust. A special needs trust (or supplemental needs trust) is an estate planning tool that can...

Wednesday, August 23, 2023

Basic estate planning is something that everyone should do, regardless of your age, marital status, the value of your assets, and if you’re a parent or not.  According to a 2021 poll by Gallup, less than half of U.S. adults...

Sunday, August 13, 2023

About 61 million adults in the U.S. live with a disability. Many of these disabilities are serious enough to impact a person’s daily life.1 There may be financial benefits available to those whose disabilities leave them unable...

Wednesday, August 9, 2023

Five easy pointers to help you plan during all of your retirement years If you’re retired, there’s good news in that you’ll probably live longer and perhaps better than your parents and grandparents did. The bad news:...

Wednesday, August 2, 2023

Tax benefits, flexible contribution options and potential investment growth For many families, there’s a sense of excitement and anticipation that fills the air as high school seniors prepare to embark on their next journey:...

Thursday, July 27, 2023

Almost half of all adults are part of the "sandwich generation." These are adults in their 40s and 50s who are helping support or care for a parent while also supporting or caring for a child.1 Being caught between two generations of...

Wednesday, July 19, 2023

Do you have $300,000 ready for health care costs? When people plan for retirement, most think about the stock market, potential returns, and occasionally what their future retirement expenses might look like. And while it’s...

Wednesday, July 12, 2023

Making informed decisions about retirement is crucial to financial independence In an era characterized by high job turnover, it is more important than ever for employees to carefully manage their retirement savings. With a significant...

Wednesday, July 5, 2023

The need for regular saving and investing spans many life stages. Through the years, your goals will change and your strategies will shift.

Sunday, June 25, 2023

1.  What is long-term care?Long-term care refers to the ongoing services and support needed by people who have chronic health conditions or disabilities. There are three levels of long-term care:Skilled care: Generally...

Wednesday, June 21, 2023

Estate planning helps disperse your assets according to your wishes. The effort may seem daunting at first, but estate planning does not have to be overly complicated. With the proper planning, you may find yourself resting a little...

Wednesday, June 14, 2023

What constitutes a gift to charity?A gift to charity is simply a gratuitous transfer of property to a charitable organization. The key is that your gift must be some kind of property--your time or personal services do not count. There...

Wednesday, June 7, 2023

After a disastrous 2022, the 60/40 strategy might be poised for a comeback After a tumultuous 2022, investors are once again turning to the classic 60/40 investment strategy, with many finding renewed success in this historically...

Wednesday, May 24, 2023

529 plans can be powerful college savings tools, but you need to understand how your plan works before you can take full advantage of it. Among other things, this means becoming familiar with the finer points of contributions and...

Sunday, May 21, 2023

In times of crisis, you don't want to be shaking pennies out of a piggy bank. Having a financial safety net in place can ensure that you're protected when a financial emergency arises. One way to accomplish this is by setting up a cash...

Monday, May 15, 2023

After spending so much of your life saving for retirement, it may be challenging to transition from depositing funds to withdrawing them. You may wonder whether there is any way to maintain your lifestyle and preserve your wealth to...

Monday, May 8, 2023

What is it?Life insurance is not only about protecting your survivors in the event of your death. Depending upon the type of policy you purchase, it can also enable you to meet specific life goals: retiring comfortably, paying for your...

Sunday, April 23, 2023

When discussing multigenerational wealth it is common to come across proverbs that acknowledge the fact that generational wealth typically won’t make it past the third generation. In the United States the saying goes, “from...

Wednesday, April 19, 2023

What does it mean?Getting the most out of your contributionsOptimizing your Social Security retirement benefits means getting the best return possible on each dollar you've contributed to the system. Every pay period, you pay 6.2...

Wednesday, April 12, 2023

Overview: Parents of children with special needs may have never-ending concerns about their child’s care. For instance, where will the child live should something happen to the parents? Who will care for the child, and from where...

Monday, April 10, 2023

On January 19, 2023, the outstanding debt of the U.S. government reached its statutory limit, commonly called the debt ceiling. The current limit was set by Congress at about $31.4 trillion in December 2021.1On the day the limit was...

Monday, April 10, 2023

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Sunday, April 9, 2023