An ESPP, or Employee Stock Purchase Plan, lets employees buy company stock at a discount, often up to 15 percent, through payroll deductions. It can be a smart way to build wealth over time, especially with features like lookbacks, but it's important to understand the tax rules and avoid putting too much of your portfolio into one stock. Disclosures: Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. RPC Advisory Group and Cambridge are not affiliated. Content provided via links to third party sites should not be considered an endorsement of third party content. We make no representation as to the completeness or accuracy of information provided at these websites. Reviews on this site may or may not be by clients of the firm. No compensation is being provided for sharing of opinions and experiences on this site. The reviewer’s comments may not be representative of any other person’s experience and is no guarantee of future performance or success.

Choosing between a Roth 401(k) and a Traditional 401(k) comes down to when you want to pay taxes. A Traditional 401(k) gives you a tax break now, but withdrawals in retirement are taxed as income. A Roth 401(k) requires you to pay taxes upfront, but withdrawals in retirement are completely tax-free. If you expect to be in a higher tax bracket later, a Roth may be the better choice. If you want to lower your taxable income now, a Traditional 401(k) could work better. The right choice depends on your income, tax strategy, and long-term goals.

Disclosures:

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. RPC Advisory Group and Cambridge are not affiliated. Content provided via links to third party sites should not be considered an endorsement of third party content. We make no representation as to the completeness or accuracy of information provided at these websites. Reviews on this site may or may not be by clients of the firm. No compensation is being provided for sharing of opinions and experiences on this site. The reviewer’s comments may not be representative of any other person’s experience and is no guarantee of future performance or success.

Many people panic when the market dips, assuming a recession is happening. A true recession is two consecutive quarters of economic decline, but not every slowdown means a crisis. The biggest mistake people make is reacting emotionally instead of preparing strategically. In this episode, we break down what a recession really is and how to position yourself for long-term financial success.

Disclosures:

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. RPC Advisory Group and Cambridge are not affiliated. Content provided via links to third party sites should not be considered an endorsement of third party content. We make no representation as to the completeness or accuracy of information provided at these websites. Reviews on this site may or may not be by clients of the firm. No compensation is being provided for sharing of opinions and experiences on this site. The reviewer’s comments may not be representative of any other person’s experience and is no guarantee of future performance or success.

Many people worry they are behind on retirement savings, but there are ways to catch up. Maximizing contributions, investing strategically, and leveraging skills can make a big difference. The key is to take action now and make smart financial moves. In this episode, we break down three steps to help you secure your financial future, even if you are starting late.

Disclosures:

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. RPC Advisory Group and Cambridge are not affiliated. Content provided via links to third party sites should not be considered an endorsement of third party content. We make no representation as to the completeness or accuracy of information provided at these websites. Reviews on this site may or may not be by clients of the firm. No compensation is being provided for sharing of opinions and experiences on this site. The reviewer’s comments may not be representative of any other person’s experience and is no guarantee of future performance or success.

Refinancing can lower your monthly payments, reduce interest rates, or help you pay off your loan faster. Knowing when to refinance and which options fit your financial goals is key. A well-timed refinance can save you thousands over time. Make sure to weigh the costs and benefits before making a move. Disclosures: Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. RPC Advisory Group and Cambridge are not affiliated. Content provided via links to third party sites should not be considered an endorsement of third party content. We make no representation as to the completeness or accuracy of information provided at these websites. Reviews on this site may or may not be by clients of the firm. No compensation is being provided for sharing of opinions and experiences on this site. The reviewer’s comments may not be representative of any other person’s experience and is no guarantee of future performance or success.

Dividing assets after a divorce is more than just splitting things in half. Understanding what is marital property and what is separate can make a big difference in your financial future. The right strategy can help protect your wealth and ensure a fair outcome. Make informed decisions to secure your next chapter. Disclosures: Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. RPC Advisory Group and Cambridge are not affiliated. Content provided via links to third party sites should not be considered an endorsement of third party content. We make no representation as to the completeness or accuracy of information provided at these websites. Reviews on this site may or may not be by clients of the firm. No compensation is being provided for sharing of opinions and experiences on this site. The reviewer’s comments may not be representative of any other person’s experience and is no guarantee of future performance or success.

Passing down a legacy isn’t just about wealth, it’s about responsibility. The uncomfortable truth is that without the right planning, your hard-earned assets could lead to family conflicts, heavy taxes, or even get lost over time. In this video, we break down what it really takes to secure your legacy and ensure it lasts for generations. Disclosures: Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. RPC Advisory Group and Cambridge are not affiliated. Content provided via links to third party sites should not be considered an endorsement of third party content. We make no representation as to the completeness or accuracy of information provided at these websites. Reviews on this site may or may not be by clients of the firm. No compensation is being provided for sharing of opinions and experiences on this site. The reviewer’s comments may not be representative of any other person’s experience and is no guarantee of future performance or success.

Are you on track for retirement, or falling behind? In this video, we break down how your retirement savings compare to the average American at different age milestones. Understanding where you stand can help you adjust your strategy and make smarter financial moves. Watch now to see if you're ahead of the game or need to catch up! Disclosures: Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. RPC Advisory Group and Cambridge are not affiliated. Content provided via links to third party sites should not be considered an endorsement of third party content. We make no representation as to the completeness or accuracy of information provided at these websites. Reviews on this site may or may not be by clients of the firm. No compensation is being provided for sharing of opinions and experiences on this site. The reviewer’s comments may not be representative of any other person’s experience and is no guarantee of future performance or success.