Welcome to the Blue Rock Blog

When you hit 65 years of age, it can feel like a daunting task navigating Medicare. When should I enroll, what if I’m still covered by a health plan at work, how is Medicare different from my private insurance? Blue Rock’s Founder Todd Roselle, CFP®, ChFC®, and special guest Medicare Supplement Expert Jerry O’Neil answer all these questions and then...

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They say money is a science. Yet, one of the most undervalued skills doesn’t involve math. It doesn’t involve formulas. And no, it doesn’t involve hot stock picks. It involves your behavior.  How you behave with what you earn is more important than how much you earn.  Our behaviors influence the daily habits that make or break our systems of...

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On 08/24/22, the Biden administration announced they are forgiving up to $10,000 in federal student loans for those making less than $125,000 a year for individuals, $250,000 for married couples, and $200,000 for Head of Households. Private Loan holders are not included in the plan. In addition, they extended the pause on student loan payments to 12/31/22. It was set...

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On August 2, 2022, Congress passed the PACT Act and on August 10th this important legislation was signed into law by The President. The Promise to Address Comprehensive Toxics (PACT Act) expands VA health care and benefits for Veterans exposed to burn pits and other toxic substances. This law will help generations of Veterans from Operation Desert Storm up to today and...

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From the start, a 1031 exchange can sound like a property investor’s dream. Deferring capital gains when you sell an investment property is enticing. However, it’s important to understand all the components of a 1031 exchange to help determine if it’s the best option for you.  What is a 1031 exchange?  A 1031 exchange is a method of exchanging like-kind...

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The S&P 500 officially entered a Bear Market this week.  What is a Bear Market? It is when the stock market falls by 20% from its peak. The path of interest rates, inflation surprises, the war in Ukraine, and overall economic sentiment are causing uncertainty to run rampant in the market.  When markets shift, particularly when they drop quickly, it’s...

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Environmental, social, and governance, or ESG investing, is a way to build a more ethical portfolio based on your beliefs to make the world a better place. How this is accomplished is to eliminate certain companies or practices from a portfolio (such as oil/energy) and favoring environmentally friendly companies (such as renewable energy/solar). Funds may also underweight companies with a...

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It’s no secret that Sussex County’s real estate market is booming. From new constructions to rental properties, Delaware Beaches have become the new “it” place to live and everyone wants a slice of the pie. Blue Rock’s Founder Todd Roselle, CFP®, ChFC®, and special guest Tom Carney, JD from T.Carney Sussex Law (TCSL) dive headfirst into the hottest real estate...

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Typically, a financial plan is built around working until the age of 65 and then retiring. Though for many individuals, retiring sooner or at least having the option to retire earlier sounds much more enticing. The F.I.R.E opens the door to access financial independence sooner.   What is F.I.R.E F.I.R.E stands for financial independence, retire early. It’s a lifestyle movement for...

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We prefer preventative measures in both categories, health, and wealth. You’ve heard the term, Health Care, but in many respects, our system is geared toward those who are sick, therefore providing Sick Care. While this piece is more geared to wealth than health, the same principles apply. Proactive Wealth Management and Planning offer the same benefits as true Health Care....

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