Is The Cloud Secure Enough For Me?

Mark Kutzke By | On October 3, 2017

Have you ever used Dropbox or Box.com? How about web-based mail, like Gmail, Yahoo! Mail, or Hotmail? If you consider that all of these are clouds—as are most Google apps—it’s hard to find an Internet user who doesn’t have some information in the cloud. As cloud-based services become more prevalent, you might be wondering: Is […]

Fact vs. Fiction

Mark Kutzke By | On June 21, 2017

Following is the latest in the new Fact vs. Fiction series created as a way to present and debunk some of the most common financial myths. Fiction: I’m too young for financial planning. Fact: It’s never too early to start forming good financial habits. Creating a budget, paying down your debt, saving for big events […]

Why You Need an Estate Plan for Your Digital Assets

Mark Kutzke By | On May 23, 2017

According to the Pew Research Center, 87 percent of Americans use the Internet. This means most of us maintain at least some personal and financial information online. We pay bills online, keep contact records digitally, and rarely print a photo—because it’s in our online photo album. Although this digitizing of information makes it easier to […]

4 Tips for Safe Shopping this Holiday Season

Mark Kutzke By | On December 8, 2016

Scammers don’t take off for the holidays. In fact, at a time when most of us use our credit cards even more, identity thieves work harder than ever. It’s easier for them to catch us off guard by offering incredible deals; playing on the scarcity of must-have, sold-out items; and blending in with legitimate retailers. […]

Estimating Your Retirement Income Needs

Mark Kutzke By | On October 26, 2016

You know how important it is to plan for your retirement, but where do you begin? One of your first steps should be to estimate how much income you’ll need to fund your retirement. That’s not as easy as it sounds, because retirement planning is not an exact science. Your specific needs depend on your […]

Smartphone Security Mistakes and How to Avoid Them

Mark Kutzke By | On September 28, 2016

It’s tough to remember how we got by before smartphones. How did we get around town without handy access to Google Maps? Pay our bills on time before we had credit card and banking apps? Or let someone know we were running late without text messaging? Because completing tasks on smartphones is so easy, we […]

Making the Most of Life Insurance Tax Benefits

Mark Kutzke By | On September 7, 2016

The primary purpose of life insurance is to provide financial security for families and businesses. But did you know that it also offers a number of tax advantages? An income tax-free death benefit Generally, your beneficiaries won’t have to pay income tax on the death benefits they receive from your life insurance policy. But there […]

Avoiding Tax-Related Identity Theft

Mark Kutzke By | On January 28, 2016

If you’re not thinking about your taxes yet, you should be—identity thieves certainly are. During tax season, there’s a significant increase in the sharing of sensitive information, both online and via postal mail. Not surprisingly, it’s also when many crooks and scammers come out of the woodwork. For them, it’s prime time to steal your […]

Why To Save Money In Your Retirement Plan

Mark Kutzke By | On November 4, 2015

In today’s workplace, many employers offer a retirement plan to entice workers to save money for retirement. With the uncertainty of Social Security and changes made to it in the future, putting money away has become more important than ever for your golden years. But why should a person in their 20’s or 30’s start […]

MANA Conference

Mark Kutzke By | On October 9, 2015

Last weekend Dan and I attended the Minnesota Association of Nurse Anesthetists annual conference in St. Paul, Minnesota. The nurses attending ranged from students who were still in school to members of the association who have long since retired and were just there to see what projects were being presented. Through conversations that I had […]