Taxes 101

  In November of 1789, Benjamin Franklin wrote to a friend to inquire about his health and give a brief update on his life. His letter included this line “Our new Constitution is now established, everything seems to promise it will be durable; but, in this world, nothing is certain except death and taxes.” This […]

Focused Generosity

One of the things I’m most grateful for is a dinner I had earlier this year. While the food was fantastic, the memorable part of the dinner was the lesson I learned from a sage friend. Throughout our dinner, I had been airing my laments to my buddy. He stopped me and asked why most […]

Functional Generosity

November is the month when Americans celebrate Thanksgiving. Historically, Americans celebrated the Fall harvest by “giving thanks” for the blessings. Whether the harvests were bountiful or scarce, the holiday was a time for people to practice gratitude. Today, very few of us are farmers. Society is much less agrarian, but the holiday remains intact and […]

RCU: What Report Cards Teach Us About Retirement

Recently, I was helping one of my kids clean out their room. In one of their drawers were some old report cards. Looking at these documents was like a stroll down memory lane for me. When they were 4, I remember they could “identify numbers” and had “empathy for their peers.” By elementary school, they […]

Road Hazards to Retirement

Is the future of your financial situation in retirement confusing? We have the 49 Financial Retirement Check-Up to help put your mind at ease.

First Comes Home, Then Comes Life Insurance?

First Comes Home, Then Comes Life Insurance? Congratulations! You’ve just purchased your new home and are now likely settling in and putting your personal touch on the new place. Amongst all the decisions around furniture, curtains, and what color to paint the walls, there’s another decision you need to add to the list that might […]

The People Have Spoken: 49 Financial Certified as a Great Place to Work-AGAIN!


We are so excited to announce that 49 has once again been certified as a great place to work! We are overjoyed our employees have reported their experience at 49 is a positive one, in which they feel truly cared for both personally and professionally. We strive to continually find new ways to ensure our […]

Road Hazards to Retirement

Investors today face a multitude of threats to their financial security. Low-interest rates and historically high valuations are a concern for many investors.  In addition to the risks faced by working investors, retirees face a unique and daunting set of hazards.   Throughout a person’s working life, they may have been concerned about the financial […]