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Comparing your investment returns to the S&P 500 is like judging a restaurant’s success based only on its dessert sales—you’re ignoring the appetizers, entrées, and drinks that make up the full experience. Not to mention, you’re also not including the ambiance, food quality, quality of service and staff, etc. Wouldn’t you say that holds some weight in a restaurant’s success?...

Hold too much cash, and you’re comfortably losing money to inflation. Hold too little cash, and you’re running the risk of being unable to deal with unexpected expenses. A good plan for managing existing cash and current cash flow balances three factors: financial planning best practices, your comfort with cash, and an active approach to managing cash on an ongoing...

The average yearly cost of tuition in 2024 depending on whether you end up in an Ivy league school or public campus can range from $27,330 to $78,970. Over a 4 year period, this could be as low as $109,320 or as high as $315,880. & this is just for one child! Further, since 1980 the cost of higher education...

Over the last 10 years, the average annual health insurance premium outpaced inflation by 56% & worker wage growth by 11.90%. Section 1: Cost of Health Insurance – 10240 | KFF Which raises the question: How can you attain health insurance affordably? Considering that the U.S. on average spends almost double what the average comparable country spends per person –...

Carter McClung’s support and dedication to the success of the 2024 Appoquinimink Workforce Readiness Fair in Wilmington, DE, were instrumental in creating a valuable experience for the 924 students from Middletown, Odessa, and Appoquinimink High Schools. His involvement and mentorship in training students on interviewing skills, general workforce tips, and networking were invaluable, leading to positive feedback from both students...

“Is this still the right plan for me?” This was a recent question a business owner asked me as more employees became eligible to enter into the company’s SIMPLE IRA plan. With newly eligible employees entering your retirement plan and fluctuating annual revenue, it’s hard to know to time two things: Regarding the plan to switch or enter into, there’s...

The age-old question of whether to buy a car in your business’s name or personally, and then get reimbursed by the mile, has baffled many entrepreneurs. With tax implications and financial considerations in mind, let’s delve into the pros and cons of these options and unveil some key factors to guide your decision-making process.  Do You Truly Need a Car?...

If you find a dollar on the ground, you’d excitedly pick it up. Yet, most leave many (thousands) of dollars each year in tax savings up for grabs. & the worst part? They don’t even know it. This is what it’s like to not know about: To understand how to not leave capital gains tax savings on the table, we’ll...

Blue Rock Financial Group is pleased to announce that Carter McClung, CFP®, CSLP® is the only CFP in the state of Delaware who has the Certified Student Loan Professional (CSLP®) designation. This designation is specific for financial professionals focused on providing advice regarding the repayment of student loan debt. Student loan debt is unlike any other debt out there today...

Cash flow is a crucial aspect of your financial health and stability. It enables you to meet current financial obligations while simultaneously reaching future goals. Having awareness of your cash flow (such as how much money is coming in vs how much is being spent or saved) gives you greater certainty and confidence when planning your financial future. Lacking this...