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Brower Financial Group Articles

Casey Clementz

Director of Client Relations & Retirement Plans
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Recent Posts

What Do You Have in Reserve for 2018?

Posted by Casey Clementz on Jan 10, 2018 11:25:34 AM

Build your emergency fund this year.

How much does the average American household have in the bank?

Estimates vary, but the short answer to this question is “not enough.”

Last year, a GoBankingRates poll discovered that 57% of U.S. households had less than $1,000 in deposit accounts (although, 25% reported having at least $10,000). A 2017 analysis from Moebs Services, a research firm consulting banks and credit unions, noted that the average U.S. checking account contained around $3,600.1,2 

Eyeing these numbers, you get the sense that – in an emergency – most households have less than a month before their liquid savings run out. Is this true for your household? Hopefully, your cash reserve is much larger; if that is not the case, now is as good a time as any to bolster your emergency fund.

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Topics: Retirement Planning

June 29 Weekly Economic Update

Posted by Casey Clementz on Jun 29, 2015 12:56:26 PM

Click Here for the Full Update

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Topics: Weekly Economic Update

Your Weekly Economic Update for June 22

Posted by Casey Clementz on Jun 22, 2015 3:36:57 PM

WILL THE FED MAKE A MOVE IN THE FALL?

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Topics: Weekly Economic Update

June 15 Weekly Economic Update

Posted by Casey Clementz on Jun 15, 2015 1:26:59 PM

Headlines for the week include:

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Topics: Weekly Economic Update

June 8 Weekly Economic Update

Posted by Casey Clementz on Jun 8, 2015 3:27:33 PM

Headlines for the week include:

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Topics: Weekly Economic Update

Understanding Life Insurance Options

Posted by Casey Clementz on Jun 4, 2015 7:00:00 AM

Undoubtedly, the most cost-effective life insurance for seniors today is term life insurance. Albeit, the consensus among consumers is to keep expenses down, and a term life policy is up to five times cheaper than a whole life policy. Realistically, more seniors are able to buy a term life policy, but many purchase wasteful products because we never analyze which policy fits best within our lifestyle.

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Topics: Life Insurance

June 1 Weekly Economic Update

Posted by Casey Clementz on Jun 1, 2015 4:28:00 PM

Headlines for the week include:

  1. Three Key Real Estate Indicator Impress
  2. Hard Goods Report Presents Mixed Message
  3. Consumer Sentiment Holds Up
  4. Q1 GDP:  Worse than Previously Thought
  5. May End with a Down Week
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Topics: Weekly Economic Update

May 25 Weekly Economic Update

Posted by Casey Clementz on May 26, 2015 3:57:00 PM

Headlines for the week include:

  1. Homebuying Slows, Construction Accelerates
  2. Consumer Prices Barely Rise
  3. Gold slips, Oil stays under $60 a barrel
  4. A minor advance for the S&P 500
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Topics: Weekly Economic Update

MAY 18, 2015 WEEKLY ECONOMIC UPDATE

Posted by Casey Clementz on May 20, 2015 11:00:00 AM

Headlines for the week include:

  1. Retail Sales were Flat in April
  2. Consumer Sentiment Dips
  3. Producer Prices & Industrial Output Retreat
  4. Stocks & Oil Climb
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Topics: Weekly Economic Update

Disability Insurance Protects Incomes

Posted by Casey Clementz on May 5, 2015 8:53:30 AM

Other than your family, the single most important thing you have is your income. Without your income, nearly everything you have could be jeopardized, including your home, vehicles and other assets. You might even have trouble putting food on the table for you and your family, cover medical bills and generally have trouble meeting your financial obligations if you don’t have disability insurance protection. Fortunately, disability benefits from insurance cover the costs of going through your everyday life while you are recuperating from a short-term or even a long-term disability that prevents you from working and greatly reduces your income. 

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Topics: Disability Insurance