Laura Piotrowski

This week's Stage Ready Financial Planning blog post was about 8 tips to consider if you want to plan for early retirement. Dayton & Southwest, Ohio - If you know someone in their late 40's to early 50's who wants to retire early or at just the right time to live their dream future, encourage them to visit www.stagereadyfp.com and scroll to the bottom to download a copy of our free "Retirement Ready Checklist." ✅ #daytonohio #financialadvisor #financialplanning #retirement #retirementplanning

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Dayton & Southwest, Ohio - Thanks to Carley Clark & CNN Underscored for including Stage Ready Financial Planning in your recent article, "How does interest work on a savings account?" This article explains the difference between simple and compound interest and includes some great tips to consider if you are trying to maximize the interest you are getting on your cash! Check out the full article here: https://buff.ly/4eSJcWe #daytonohio #daytonoh #ohio #retirement #retirementplanning #money #financialadvisor #financialplanning

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Plante Moran Wealth Management Partner Brian Carter and Principal Mike King highlight best practices and emerging trends for running a well-functioning family office. The first step? Developing a compressive governance model with defined roles and responsibilities. Get the full list of tips here. #familyoffice #wealthmanagement https://okt.to/xPWLJB

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By equalizing capital investment and job creation the Wisconsin Business Development Tax Credit program seeks to reward businesses for investing in their existing operations — not just when they are expanding their workforce. Learn more about the recent changes signed into law. https://hubs.li/Q02BC7b90

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🙏 Thank you to Crystal Mayer & GoBankingRates for including Stage Ready Financial Planning in your article: "Retirement Savings: How Much Retirees Should Keep in Cash — On Hand and in the Bank"🏦 Dayton & Southwest Ohio - If you are over age 50 and building your dream retirement plan, check out this article!! ✅ https://buff.ly/3UV9mP1 #daytonohio #daytonoh #ohio #retirement #retirementplanning #money #financialadvisor #financialplanning

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Dayton & Southwest, Ohio - Are you over age 50 and wondering what type of financial professional to hire? Check out this question from our recent blog article, "What Is Fee-Only Financial Planning" "Fee-Only Financial Planning Pros and Cons Pros Transparency: Clients know exactly how their advisor is getting paid and that they are paying directly for advice instead of purchasing a product where a third party would compensate the advisor. Less Conflicts of Interest: Because fee-only financial planners do not receive commissions, they are often more likely to recommend financial products and strategies that are genuinely in the client’s best interests. Conflicts of interest are not completely eliminated however, as advisors who manage investments can be biased against recommendations that would cause the investment account balances to drop dramatically. Fiduciary Responsibility: Fee-only financial advisors often act as fiduciaries, meaning they are legally obligated to prioritize the client’s interests over their own. Cons Cost: Fee-only services can be expensive, especially for clients who aren’t used to paying out of pocket for financial advice. Accessibility: Some fee-only advisors have high minimum investment asset requirements, making their services less accessible to all clients. Less of a One-Stop-Shop: Because fee-only financial advisors don’t receive commissions for selling products, clients will often need to have financial products including insurance policies and loan products held at separate financial institutions outside of the practice of their financial planner. " Click here to read the full article: https://buff.ly/4eAxHmm #daytonohio #daytonoh #ohio #retirement #retirementplanning #money #financialadvisor #financialplanning

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Dive into the strategies that power Midwest BankCentre's success with remote and hybrid teams! Explore how we establish clear policies, set specific goals, build trust, and maintain a vibrant company culture in our Executive Vice President of Human Resources, Julie Tuggle-Nguyen PHR's, latest article for Small Business Monthly. Click the link to uncover insights that can transform your team dynamics! https://lnkd.in/gxB66vNh #RemoteWork #HybridTeams #CompanyCulture #TeamSuccess

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It is amazing that this bill, despite all the support, did not pass the House Financial Institutions Committee. The Illinois Legislature will not move forward with a bill that would have required nonbank lenders, mostly online companies, to disclose the annual percentage rate on small business loans. Known as SB2234, it had strong support from a large coalition of advocates representing more than 250,000 small businesses. The bill passed the state Senate on May 2 by a vote of 36-19. However, on Monday, the House Financial Institutions Committee did not call the bill for a vote, offering no explanation for its decision. A prior version of the bill also died in committee last year. This pattern of inaction highlights the ongoing struggle small businesses face in achieving transparency and fair treatment in lending practices. The lack of progress on this bill is a setback for small business owners who seek greater clarity and fairness in their financial dealings. At the Illinois Hispanic Chamber of Commerce, "We will not stop advocating for minority-owned businesses to get access to capital without predatory lenders threatening their futures.” #ihccbusiness #smallbusiness

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The Wayne County Treasury Office implemented Cima Cash Recyclers and were incredibly pleased with the results! #Cima’s high quality #TCRs automate cash handling tasks, reduce errors, and enable quicker transactions, leading to happier employees. Send us an email at info@lansworth.com to learn how your financial institution can gain these benefits! #CashRecyclers #TellerAutomation #cashmanagement

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Dayton & Southwest, Ohio - 🏞️ Are you over age 50 and getting serious about planning your dream retirement? Check out these tips on evaluating what type of financial advisor to hire from our recent blog article, "What Is Fee-Only Financial Planning?" 🤔 "How to Choose a Fee-Only Financial Planner Choosing the right fee-only financial planner is similar to hiring any other qualified service professional: Credentials: Look for advisors with reputable certifications such as CFP® designation (CERTIFIED FINANCIAL PLANNER™). Membership Organizations: Look for advisors who belong to organizations that only allow membership for fee-only financial planners including NAPFA (National Association of Personal Financial Advisors), the XY Planning Network, the Garrett Planning Network. Experience: Consider the advisor’s experience and expertise in dealing with clients in similar financial situations. Does the advisor specialize in helping clients in your line of work, stage of life, or level of complexity? Services Offered: Ensure the advisor provides the specific services you need. For example, if you aren’t looking for help with investment management services, then you may want to find an advisor that offers “advice-only” financial planning. Client Reviews: Check reviews and testimonials from current or former clients where possible. Regulation has recently passed allowing advisors in certain states to provide client testimonials and reviews. Unfortunately this is not always the case as some states in the US still ban this practice." ✅ Click here to read the full article: https://buff.ly/4eAxHmm #daytonoh #daytonohio #ohio #retirement #retirementplanning #money #financialadvisor #financialplanning

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Today, we signed a conservative and balanced budget that focuses on two priorities that we know lift every Missourian up: workforce development and infrastructure. By making strategic investments, using common sense, and spending responsibly, we've maintained our AAA credit rating, achieved the lowest unemployment rate in Missouri history, added 163,000 jobs to our economy, and cut income tax burdens by over 20 percent. We've done it all while making historic investments, like the Improve I-70 project, and leaving $1.9 billion on the bottom line. We may be leaving $1.9 billion on the bottom line, but that doesn't mean we spend for the sake of spending. I also remind legislators and the media that a fund balance does not always mean a surplus. We have obligations both this year and in future years that must be accounted for today to avoid future budgetary pains tomorrow. Learn more about the FY25 state operating budget bills: https://lnkd.in/gsV8a5H5

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Is your audit committee up to speed on the most recent regulatory changes? Stay informed with our Q1 newsletter. #audit #accounting

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The Illinois Manufacturers' Association 2024 legislative agenda focuses on policies aimed at providing incentives to grow Illinois manufacturing businesses and helping manufacturers address the increasing skills gap across the state. Learn more about our 2024 legislative priorities. https://ow.ly/p34K50RwfI0

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Business owners: When creating a succession plan for your company, you’ll ideally want to account for three separate timelines. Here’s a brief look at each: https://lnkd.in/g4KjEfh9

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Senate Bill 1 represents a comprehensive overhaul of Kansas’s tax system, providing broad-based relief to individuals, families, retirees and financial institutions. One of the most notable changes is the alteration of Kansas’s income tax structure. The state will transition from a three-bracket system to a two-bracket system. This simplification not only streamlines the tax process but also lowers the top income tax rate from 5.7% to 5.58%. #ksleg

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I'm attending the ACG Kansas City meeting in KC on Friday, June 14. Who do I know in KC that would like to do some networking? Happy to meet people for coffee Thursday afternoon or Friday. We help clients that are either growing or expressing some sort of frustration.  Clues that they need help: late financial reporting, problem audits, poor results, poor accounting, not meeting covenants, high growth, owner complaining about wearing too many hats, needing operational help, etc. A Fractional CFO can be the right solution that a client doesn’t even know exists.

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