JL3 Financial

Graduating college is a major milestone, and it’s also a great time to start building smart financial habits through investing. If your family has questions about helping a recent graduate get started, our team is always here to help.

Help Your College Grad Become an Investor Looking for a meaningful college graduation present? Consider opening up the world of investing.

When was the last time you gave your 401(k) a checkup? Reviewing your contributions, investments, and retirement goals regularly can help keep you on track for the future you envision.

401(k) Checkup: Are You on Track? Your 401(k) helps shape your future—consider if you’re saving enough, your investments match your goals, and that you haven’t forgotten about any accounts with prior employers.

Custodial accounts offer a flexible way to save for a child’s future with fewer restrictions than traditional college plans. If you think this could fit your situation, reach out to us for more information.

Saving for College: Custodial Accounts Custodial accounts may not offer the tax benefits of 529 plans, but they can be used to fund expenses that 529 plans don't cover.

Not sure whether to prioritize your 401(k) or an IRA? Both can play an important role, especially when it comes to capturing employer match and adding flexibility to your retirement strategy.

Saving for Retirement: 401(k)s, IRAs, and More We break down which retirement accounts—IRAs or 401(k)s— may be right for you.

Your HSA can do more than just cover current medical expenses. It can also play a meaningful role in your long-term financial plan if invested thoughtfully. If you have questions about how to use your HSA, give us a call!

Potential Long-Term Benefits of Investing Your HSA Health savings accounts (HSAs) are for more than just routine medical expenses. By investing a portion of your account, you can potentially grow your funds tax-free.

Understanding IRA rules like contributions, taxes, and withdrawals can make a big difference in your long term plan. Take a minute to review this guide and reach out if you have any questions on how this applies to your plan.

IRA Rules: 8 Things You Need to Know Knowing about different IRA rules can help you make better decisions about which type of retirement account best suits your situation.

Exciting News! We’re hiring! JL3 Financial is looking for a Financial Representative to join our Eau Claire, WI office.

If you’re interested in helping clients plan for their financial future and growing your career with a supportive team, we’d love to hear from you.

For more information and to apply, click here: https://www.linkedin.com/jobs/view/4393471092/

Financial independence is about having the freedom to make life decisions on your terms, not just reaching a number. This article highlights practical steps to build that flexibility through thoughtful planning, saving, and long term investing.

7 Steps to Financial Independence Financial independence means having the freedom and flexibility to live life on your terms. Here's how you can begin to achieve it.

Before tapping into your Roth IRA, be sure you are making the smartest move for your retirement. This article walks through the key questions to ask so you can make confident decisions with your savings.

Must-Ask Questions: Roth IRA Withdrawals Investors tend to focus more on saving for retirement and less on what will happen when they take money out. We answer six common questions on making a Roth IRA withdrawal.

Are you on track for the retirement you’ve envisioned? This helpful guide from Charles Schwab shares simple, proactive steps to help you stay in control of your retirement savings and avoid costly surprises down the road.

How to Stay on Top of Your Retirement Savings Wondering if you're on track to reach your retirement goal? Here's how to calculate how much you should have saved by now.