Knox Grove News

Welcome to my blog. Here you can find all my views on the financial world and keep updated on all the latest news.
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Chatting with Christina

Christina Nash, founder and CEO of Knox Grove Financial, LLC was featured in the Hopewell Valley Neighbors January, 2018 edition.  Read more about her start in the industry and her passion for helping people take responsibility for their finances.

Read More Here

 
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Chatting with Christina

Christina Nash is the resident Financial Advice columnist of the Hopewell Valley Neighbors. Each issue, she picks a question that was submitted by the community and answers the Financial question in great detail under the column heading, “Chatting With Christina.” Please see below for the March 2019 issue titled, “Why do you feel it is important to work with a financial advisor?”

 


Read More Here

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Knox Grove Financial Fun Run 2018

Congratulations to the Knox Grove Financial team for another successful FUN RUN event at Mercer County Park on June 14, 2018. We are excited to announce we received the Largest Team award and raised funds to support the Breast Cancer Resource Center of Princeton, NJ. We had a great time with many of our family, friends, and clients. Thank you to all that participated and contributed to this great event and cause.

Lastly, a big congratulations to the many runners that received recognition for their running times! To view the race results, please Click Here.

To make donations to the Breast Cancer Resource Center, Click Here Under ‘designation’ select “Breast Cancer Resource Center”

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The advisers of Knox Grove Financial, LLC are serving more than just plans

One would generally not associate “family, ” “community, ” and “charity” with something as technical as “Financial Group.” At Knox Grove Financial, LLC in Pennington, N.J., these three words are the foundation of their business. Christina Nash, Founder and CEO of Knox Grove Financial and advisers Brian Hartmann and Bill Stolow wouldn’t have it any other way.

Personalized attention to clients, best-in-class service to clients and the community are embedded into the backbone of the Knox Grove Financial values.

Knox Grove Financial is a boutique financial firm that offers personal, business and private services, including investment and income strategies, income tax reduction strategies, advanced estate conservation strategies, annuities, life insurance and 401k retirement plans and services. Nash says the firm offers a more holistic approach in terms of finding the best path forward for Knox Grove’s individual clients, with their client’s unique lives and goals at the forefront of operations.

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Medicare Specialist, Bill Stolow, Has The Answers To Your Questions

At Knox Grove Financial, we aim to provide comprehensive financial guidance for every stage of your life. In addition to a full service financial firm, we are proud to offer advice on Medicare. Our Financial Advisor, Bill Stolow, has now taken on the role as the Knox Grove Medicare Specialist.

If you, a relative or neighbor has recently become eligible or believe they will become eligible for Medicare in the near future, Bill can help guide you in making a very important decision.

REMEMBER: If you are currently a Medicare Beneficiary, open enrollment begins October 15th, contact us now to discuss your options.

Call our office at 609-216-7440.

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KGF Team Gives Back to the Community

The team at Knox Grove Financial, LLC believes in giving back to their communities. We would like to recognize our COO, Jodi Viaud, and The Franklin Woman's Club, for leading the efforts in awarding college scholarships to these impressive young women! Congrats to all involved.

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Knox Grove Team Announcement

Allow us to introduce to you to the newest member of our Operations and Client Services team, Edwige “Eddie” Theokas. Eddie brings a strong analytical mind to the firm, great interpersonal and organizational skills, and a cooperative nature to help support her colleagues and clients. We are happy to have her part of our Knox Grove family and look forward to you working with her soon!

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More Than Meets The Eye

One would generally not associate “family, ” “community, ” and “charity” with something as technical as “Financial Group.” At Knox Grove Financial, LLC in Pennington, N.J., these three words are the foundation of their business. Christina Nash, Founder and CEO of Knox Grove Financial and advisers Brian Hartmann and Bill Stolow wouldn’t have it any other way.

Personalized attention to clients, best-in-class service to clients and the community are embedded into the backbone of the Knox Grove Financial values.

Knox Grove Financial is a boutique financial firm that offers personal, business and private services, including investment and income strategies, income tax reduction strategies, advanced estate conservation strategies, annuities, life insurance and 401k retirement plans and services. Nash says the firm offers a more holistic approach in terms of finding the best path forward for Knox Grove’s individual clients, with their client’s unique lives and goals at the forefront of operations.

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Congratulations Brian Hartmann - The Newly Elected Chair of the YPG of Robert Wood Johnson University Hospital Hamilton Foundation

 



 

Knox Grove Financial Adviser, Brian Hartmann, is the new Chair of the Young Professionals Group of Robert Wood Johnson University Hospital Hamilton Foundation.  The group brings together dedicated, energetic and involved community members under the age of 40 to promote and support the hospital system.  The YPG group hosts several events throughout the year in an effort to financially support the various departments within the hospital. Last year, the group presented the hospital with over $200,000 to be used in the new state of the art Pediatric Department.  For additional information about the organization and efforts please visit: http://www.rwjuhhfoundation.org/yp/mission.html

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How A Financial Advisor Can Help

What are your hopes and dreams for the future? They probably begin with being able to provide for yourself and your family. But you also might aspire to a bigger home, an exotic vacation or another luxury, savings for your children's education, and a nest egg for retirement.

While you may be able to achieve all of those things, you can't just snap your fingers and make them happen. You'll need hard work and financial discipline, and you'll need to make a long-term commitment to work toward your goals. Enlisting the services of a financial advisor could help guide you along the way.

Of course, you still would be the one calling the shots, but an advisor can provide valuable assistance in many respects. An advisor can help you:

 

  • Assess your current financial status, including your income, investments, assets, liabilities, insurance coverage, tax situation, and estate plan;

 

 

  • Set goals that are both ambitious and reasonable;

 

 

  • Account for changes in your personal circumstances (births, deaths, marriage, or divorce);

 

 

  • Address weaknesses in your current investment and retirement planning;

 

 

  • Develop a comprehensive plan to suit your current needs and future desires.

 

Couldn't you do all of this on your own? If you're sufficiently savvy about financial matters you could, but few people have the time, expertise, and inclination to do all that's required. And even if you're determined to tackle your financial objectives by yourself, you could need a push to get you started. What's more, an objective third party such as a professional financial advisor may add a valuable new perspective to your own outlook. You might benefit from having someone review key decisions about your financial future.

Even if you don't feel you need the help of a financial planner now, something could happen to trigger a call for help. For instance, maybe you've inherited a large sum of money or property and you're not sure how to handle it. Perhaps you, or your spouse, have been laid off from a job and suddenly money is tight and you're forced to make financial trade-offs. Or you may require assistance on other financial fronts ranging from elder-care planning to paying higher-than-expected college costs for your kids or resolving a shortfall in your retirement savings.

If you do decide to use a professional financial advisor, you'll still need to find one who is experienced and has experience helping clients in your situation. We would be glad to show you the high level of services that we provide.

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Welcome To The World - Finn James Hartmann

We have a new addition to our Knox Grove Family! Congratulations Brian and Liz Hartmann on your beautiful baby boy, Finn James Hartmann. 

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Social Security: Delay or Not to Delay?

 

The subject of Social Security is a confusing topic for most people.  It is important to understand your options early and review your retirement plan holistically, so you are able to make the best decision for you and your family. One of the most popular questions that come up frequently is, “Should I take my Social Security Early or should I delay?”

First, let’s discuss how your social security amount is calculated. Social security looks back on your work history to evaluate your highest earning years. They take the indexed monthly earnings during the 35 years in which you earned the greatest amount. Next, they apply a formula to these earnings and come up with your “primary insurance amount” (PIA). The PIA is how much you will receive at full retirement age (FRA), which is 65 or older, depending on when you were born.

One thing to keep in mind is that you always have the option to take your social security benefits as early as 62 at a reduced rate. But, it’s important to note that if you delay taking your funds until you reach your full retirement age (up to age 70), your benefit amount will increase.

So, which is better? Well, sometimes this becomes a personal decision or a decision based on need. Others perform a “break-even” analysis which evaluates the age at which delaying taking benefits is greater than taking it early. Of course there are other factors that should come into play when evaluating the “break-even” age such as your health. If you are in poor health or have a history of family dying at an early age, it may be in your best interest to take your social security benefits early.

The decision as to when to take Social Security retirement benefits is an important one and making the wrong decision can be a costly one. Your Financial Advisor can work with you and your tax advisor to make the most of these strategies and determine what scenario works best for your situation. 
Source:  www.socialsecurity.gov

Please feel free to call our team of Advisors at Knox Grove Financial at 609-216-7440 if you are interested in learning more about this topic. For information about Knox Grove Financial, please visit www.Knoxgrove.com or like us on Facebook at https://www.facebook.com/KnoxGroveFinancial

Representatives of Signator Investors, Inc. do not provide tax and legal advice.  Please consult your tax advisor or attorney for such guidance.

 Knox Grove Financial, LLC is independent of Signator Investors, Inc., Registered Representative/Securities and Investment Advisory Services offered through Signator Investors Inc., Member FINRA, SIPC., a Registered Investment Adviser 290 West Mount Pleasant Ave., Suite 2300, Livingston, NJ 07039 (973)994-0100 .  374-20160817-312777

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Knox Grove Dinner Seminar at the Boat House at Mercer Lake

Clients and friends of the community were invited to attend a Dinner Seminar focused on learning about the sustainable investment strategies for income and growth. At this event, attendees learned more about the investment strategies that can be used as alternatives to traditional stock and bond investments.

We had a wonderful turnout at the beautiful Boathouse of Mercer Lake. The food and presentations were great! Thank you to all that participated in this wonderful event.

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Social Security Update

The Social Security Administration (SSA) recently announced that there will be no increase in retiree benefits in 2016 because of the low inflation rate. Cost-of-living adjustments (COLAs), which are based on a consumer price index for urban wage-earners, have been standard fare and most retirees expect them. In fact, this is only the third time without a yearly increase in Social Security retirement benefits since COLAs were instituted in 1975. (The other two occurred in 2010 and 2011.)

It may be small consolation, but the Social Security wage base for payroll taxes also won't go up, remaining at $118,500 in 2016. This means the first $118,500 of wages you earn in 2016 is subject to a 6.2% tax (or twice that if you're self-employed). There's also a tax for Medicare of 1.45% on all earnings.

Furthermore, the SSA has announced that the limits under the "earnings test" (the amount you can earn from working without forfeiting Social Security benefits) also are unchanged.

Did this "freeze" for 2016 catch you by surprise? If so, you're not alone. People from all walks of life, including those who already have retired, often don't fully understand the rules for Social Security or are unaware of how complex the rules are. Use this quiz to test your personal knowledge of the subject:

  1. The earliest age you can begin to receive Social Security retiree benefits is:
     a) age 59½.
     b) age 62.
     c) age 65.
     d) age 70.

2. The amount you will receive if you opt for early retirement may be reduced by as much as _____ for someone born in 1960 or later.
     a) 5%
     b) 10%
     c) 20%
     d) 30%

3. To get the maximum amount of Social Security benefits, you need to wait until ______ to begin receiving benefits.
     a) age 59½
     b) age 62
     c) age 65
     d) age 70

4. Spousal benefits are available to an unmarried ex-spouse if he or she was married to the beneficiary for at least:
     a) 3 years.
     b) 5 years.
     c) 10 years.
     d) 25 years.

5. Social Security retiree benefits are partially taxable if your income exceeds ________ if you're a single tax filer and ________ if you're a joint filer.
     a) $10,000/$20,000
     b) $25,000/$32,000
     c) $50,000/$100,000
     d) $200,000/$250,000

6. The age when a Baby Boomer born between 1943 and 1954 is able to receive full retirement benefits is:
     a) age 62.
     b) age 65.
     c) age 66.
     d) age 70.

7. For 2016, the maximum amount you're allowed to earn in the year you reach full retirement age—but before the month of your birthday—without forfeiting any benefits is:
     a) $15,480.
     b) $26,480.
     c) $41,880.
     d) $55,880.

Answers: 1-b; 2-d; 3-d; 4-c; 5-b; 6-c; 7-c

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Welcome to Knox Grove LLC., Daniel Bolger!

Allow us to introduce to you to the newest member of our Operations and Client Services team, Dan Bolger. Daniel has over ten years of experience in the Financial Services Industry, with nearly all of it focused on Client Services. We are happy to have him part of our Knox Grove family and look forward to you working with him soon!

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Tennis Champions - Princeton Chamber of Commerce Event

Christina Nash, CEO and President of Knox Grove Financial of Pennington, NJ and Barry D. Szaferman of Szaferman Lakind Attorney at Law of Lawrenceville, NJ win the Princeton Chamber Tennis Event! 

 

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Knox Grove Financial Celebrates 1-Year in Pennington, NJ

Thank you to all of our family, friends, and clients for joining us in celebrating our 1-year anniversary in Pennington, NJ as Knox Grove Financial, LLC! What a great celebration.

 

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KGF UPDATE: CHRISTINA NASH

Congratulations to our Founder and CEO, Christina Nash, for being hand selected to speak at the Practice Advancement Conference in Orlando this year! What an honor. 

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Contact Info

2 Tree Farm Road, Suite B100
Pennington, NJ 08534
Phone: 609-216-7440
Fax: 609-910-4275
Email: info@knoxgrovefinancial.com

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