Posts Posts by: "SRP"

There are five estate planning documents you may need, regardless of your age, health, or wealth: Durable power of attorney Advanced medical directives Will Letter of instruction Living trust The last document, a living trust, isn’t always necessary, but it’s included here because it’s a vital component of many estate plans. Durable…(Read More)

A large portion of the millennial generation has come of age during complex and challenging economic conditions. The older end of the generation entered the workforce just in time for the biggest market downturn and scariest job market in decades, while being saddled with more student loan debt than any previous generation. While the economy…(Read More)

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…(Read More)

Yesterday’s big news was that the Federal Reserve (Fed) has finally increased interest rates, by 25 basis points or one-quarter of 1 percent. On the face of it, this increase doesn’t seem like it should be considered a major deal, but the widespread media coverage would indicate otherwise. Let’s spend some…(Read More)

Source – The Billings Gazette Leo Lapito built a successful career in financial services by reminding his clients that careful financial planning is a pathway to a comfortable retirement. As he neared retirement age after some 40 years in the business, Leo made sure to practice what he had been preaching for all of those…(Read More)

You couldn’t have missed it. Only stages full of GOP presidential candidates or the Super Bowl have ever had more media attention. Yes, we are talking about the Federal Reserve’s thundering announcement on Thursday – of nothing. The Fed decided to keep interest rates at zero, for at least the next few months, after…(Read More)

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Back-to-School Budgeting

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When handling financial matters with a college student, parents often struggle to find the right balance between hovering over the child’s every decision and granting too much financial freedom, too soon. Here, we’ll explore some common expenses that college students and their parents should factor into the back-to-school budget, as well…(Read More)

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Retirees tend to be more confident about having a financially secure retirement than current workers, according to the Employee Benefit Research Institute. Retirement confidence is highest among workers who say they or their spouse have a retirement plan, such as a work-sponsored plan or an individual retirement account (IRA), reports the Employee Benefit Research…(Read More)

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If you live out on the West End of Billings, you might have received this magazine in your mailbox. The Lapito family was featured on the cover of the June 2015 edition of Rimrock Neighbors. You can read the full article on our website. We ordered extra copies, so next time you are in for…(Read More)

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You’ve probably heard how important it is to establish and maintain an emergency fund. Unfortunately, most people don’t fully realize this until a money emergency is upon them. Are you financially prepared for a leaky roof? How about a broken-down car? If you lost your job, how long would you be able…(Read More)