Clements Financial Services

Confused about SECURE Act 2.0? Take a look at our rundown of the new legislation and how it changes your retirement.

SECURE Act 2.0: An Overview The second iteration of the SECURE Act brings forward several changes to the world of retirement.

Find out whether you are insurable before implementing a strategy using life insurance.

Universal Life Insurance Universal life insurance is permanent insurance with a flexible premium. Here's how it works.

When your dog bites someone, the liability may be covered by your homeowners policy, though there are exceptions.

Dog Bites Neighbor. Now What? Even dogs have bad days. So, what happens when your dog bites a neighbor or passing pedestrian?

Consider a bucket plan to go with your bucket list.

A Bucket Plan to Go with Your Bucket List A bucket plan can help you be better prepared for a comfortable retirement.

Learn about Medicare’s popular program, offering retirees free gym membership and health education.

Silver Sneakers 101 Medicare’s popular program, offering free gym membership and health education.

Here are eight mistakes to avoid when.

Eight Mistakes That Can Upend Your Retirement There are common mistakes you can avoid when saving for retirement.

What would happen to your loved ones if you were gone? Make financial preparations today.

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Thinking of volunteering in retirement? Some considerations.

Volunteering in Retirement For many, retirement includes contributing their time and talents to an organization in need.

When giving to charity, some make cash donations. Others want a more sophisticated strategy.

Trends in Charitable Giving Some people may want a more advanced gifting strategy that can maximize their gift and generate potential tax benefits.

Plan for a tax-savvy retirement to potentially keep more of what you earn with these key tax strategies.

Tax Strategies for Retirement Account Withdrawals Retirement accounts come with plenty of benefits, such as tax deductions, and a generally high return on investment.