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How to organize your finances: What to do each year

Kevin Gallegos
Vice President of Phoenix Operations

How to organize your finances: What to do each month

Kevin Gallegos
Vice President of Phoenix Operations

Plan your funeral service and ensure your wishes are fulfilled

Marla Noel
President

Refinancing credit card debt into a personal loan

Kevin Gallegos
Vice President of Phoenix Operations

How to pay down credit card debt – once and for all

Kevin Gallegos
Vice President of Phoenix Operations

How to tackle spring financial cleaning

Kevin Gallegos
Vice President of Phoenix Operations

Use caution when signing up for retail store credit cards

Kevin Gallegos
Vice President of Phoenix Operations

Plan ahead and save money when hosting holiday meals

Kevin Gallegos
Vice President of Phoenix Operations

How to save on food in college (with lower-cost tips and alternatives)

Kevin Gallegos
Vice President of Phoenix Operations

Budgeting 101 for college students

Kevin Gallegos
Vice President of Phoenix Operations

Money

Having control over your spending is imperative when it comes to budgeting for the future and even just being able to pay your bills on time. Whether it is debt management and consolidation for any type of loan, building up a savings account for emergencies and big purchases, paying for healthcare, or simply protecting your finances so that your money can work for you, ExpertBeacon can provide you with the advice you need. Our professionals that are highly experienced in the fields of accounting, identity theft, insurance, taxes, and investments are here to help you ensure you and your family are taken care of financially. Prepare yourself with credible advice so that you are ready when disaster strikes, or you just want to save up to buy that fancy new car you’ve always wanted.

Insurance »

How to save on health care expenses

Kevin Gallegos

While the Affordable Care Act (ACA) has helped millions of Americans obtain medical insurance, the stark reality is that health...

Avoid the common mistakes after you are in an auto accident

Ron Hettler

We’ve all been there. You’re driving to work or school, wondering if you should stop for coffee before you reach the parking lot,...

How to insure your motorhome or RV effectively

Frank Darras

While most RV drivers have an insurance policy for their vehicle, they may not have the correct policy to cover all that could...

Obtaining affordable auto insurance as a high-risk driver

Ron Hettler

Did you recently get charged for a DUI, DWI, manslaughter, reckless driving, or for a hit and run? Or you may have been dropped by...

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Financing Education »

How to save on food in college (with lower-cost tips and alternatives)

Kevin Gallegos

With few exceptions, college is expensive, no matter where you go. Tuition, books, fees all add up fast. Often, little is left for...

Budgeting 101 for college students

Kevin Gallegos

College is a time of independence, and for many, includes learning how to manage money on their own. A budget plays a vital role in...

Minimizing the cost of your child's college education

Jason Nowitzki

When planning for college, how much do you need to save to send your child to college? First you must know how much college is...

The Lifetime Learning Credit can reduce taxes and college costs

Karla Dennis

Looking to further your education or job skills but the costs are weighing you down? Don’t feel like you are by yourself. The costs...

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Money and Health Care »

What to do with your tax refund

Kevin Gallegos

Nearly 80 percent of Americans who file a federal tax return receive a refund. For most, the refund is not “chump change,” but...

What to do when you cannot pay your medical bills

Kevin Gallegos

Affordable Care Act or not, Americans of every age are having a harder time paying for medical bills. A report issued in 2013 by...

Annuity investments: A good way to pay for retirement health care

Jim Poolman

As health care changes and if the cost of it continues to increase, it’s imperative for retirement savers to factor in potentially...

How to avoid open-enrollment mistakes for health care benefits

Matthew Owenby

As summer winds down, it means it's time to go back to school, bundle up with the cooler temperatures and, of course, watch some...

More...

Credit and Debt Management »

How to pay down credit card debt – once and for all

Kevin Gallegos

Many people use the beginning of the year to make financial resolutions, including to pay off credit card debt. Whether it’s...

How to handle a debt collector demanding payment on the phone

Scott Smith

Getting calls from debt collectors can be a difficult event in your life. It could be a sign that you are behind on payments, the...

How to establish good credit habits in your early career years

Scott Smith

If you’re a young person just starting to make your way in the world, you’ve likely been told by some authority (parents, teachers...

What to do when there are errors on your credit report

Scott Smith

If you see an unrecognized item on your credit report, there are a few things you can do to determine what the item is and what, if...

More...

Retirement Planning »

Minimize taxes when you withdraw money from your IRA in retirement

David Shucavage

During your working years, you may be very successful at saving money for retirement in an IRA, 401k, 403b, or similar plan. No...

Continue growing your retirement savings while withdrawing funds

Andrew Carrillo

Retirees are having a hard time growing their assets while, at the same time, having to rely on and withdraw their funds to pay the...

How to put 401K and retirement savings to work after you retire

Jason Whaling

Retiring, for most people, is the culmination of a long- and hard-worked career. Retiring signifies that you are finally done...

Do rollover your old 401k to your new employer plan or an IRA

Reginald Armstrong

So you have left your job and employer's 401k plan. Whether it was due to retirement or simply a job change, you’re probably...

More...

Taxes »

How to make sure your tax returns are never audited by the IRS

Joe Mastriano

A CPA firm should advise people that if they want to avoid being audited, that they should follow certain procedures. Anyone who...

What to do if you can't pay the taxes that you owe

Valrie Chambers

As the tax deadline approaches, what should you do if you think that you can’t pay taxes that might be due? That’s obviously not a...

Filing and preparing taxes for high net worth executives

Richard J. Bloom

Preparing and filing tax returns for high net worth individuals who serve as executives in a company or organization presents many...

Tips for year-end tax planning

Lee Rawiszer

As the year comes to a close, it’s time to stop and evaluate your current financial position in preparation for filing this year’s...

More...

Loans »

How first-time home buyers can prepare for homeownership

Katie Ross

While preparing to buy your first home, there is nothing more valuable than organization and planning. Financially, this can be...

Trouble paying your student loan payments? See if it can be forgiven

Scott Smith

Similar to when you...

What to do when you can't make your monthly student loan payments

Scott Smith

The cost of higher education has skyrocketed, and despite the attention this phenomenon has received in the news and from...

Advice for recent college grads on paying off your student loans

John Heath

College students are graduating with tens of thousands of dollars in student loan debt on average. Paying back that debt is...

More...

Estate Planning »

Plan your funeral service and ensure your wishes are fulfilled

Marla Noel

Planning the right type of funeral service for each individual is important for providing the family with a good way to begin the...

Recent widows need a long term financial plan for peace of mind

Laura R. Knolle

The first few months after losing a spouse can be very challenging. After you have tackled the...

Understand taxes and estate planning in transferring your wealth

Ryan Holmes

Nearly 200 years later, Benjamin Franklin’s words still hold true: "In this world nothing can be said to be certain, except death...

Married couples should consider individual wills vs a joint will

Ronald Fatoullah

A last will and testament is an important document giving evidence to an individual’s intentions regarding the passing of property...

More...

Banking »

How to obtain a personal loan after filing for bankruptcy

William Waldner

Blame it on the unstable job market and a poor economy. Blame it on the high cost of living and easy credit. No matter what or who...

A CD ladder is a sound Certificate of Deposit investment strategy

Jason Whaling

One of the most common strategies used when...

Protect and grow your savings using a (CD) Certificate of Deposit

Jason Whaling

A Certificate of Deposit (CD) is offered by most banks to customers who are looking for higher returns on their savings....

How to choose the right credit card that is best for you

Scott Smith

When used properly, a credit card is a valuable tool for building or improving credit. Making your payments on time and maintaining...

More...

Personal Finance »

How to organize your finances: What to do each year

Kevin Gallegos

In previous articles, we discussed financial tasks to do daily, weekly and monthly to help organize and keep track of your money....

How to organize your finances: What to do each month

Kevin Gallegos

In a previous article, we discussed financial tasks to do every day and every week to help organize and keep track of your money....

Refinancing credit card debt into a personal loan

Kevin Gallegos

Taking control of credit card debt is a key step in becoming financially fit. As more people consider refinancing their credit card...

How to tackle spring financial cleaning

Kevin Gallegos

Cleaning out the garage, washing walls and vacuuming under the bed might be on the spring cleaning checklist at your house. But don...

More...

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