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Instead of setting vague goals for a distant future, focus on actionable resolutions today that will make your retirement a reality...

You have more control over your retirement taxes than you might think. A Roth conversion lets you move money from a traditional IRA into a Roth — paying taxes now so you can enjoy tax-free withdrawals...

This October, you’ll once again be seeing pink across the country—on lapels, products, landmarks, and even football fields. Pink has become more than just a color; it’s a powerful reminder of the ongoing fight against breast cancer...

Many individuals, typically in their 40s to 60s, can find themselves simultaneously providing financial and emotional support to their aging parents while also assisting their minor children or launching adult children into independence...

If you want to save more but aren’t sure how to begin, you’re not alone. Many Americans live paycheck to paycheck. The good news? Small steps can boost your savings without changing your lifestyle.

The Social Security Trustees have recently delivered a sobering update: the Social Security trust fund is now anticipated to be depleted even earlier than previously predicted, potentially by 2033 or 2034...

Summer isn't just for far-off getaways; it's also the perfect season to dive into the vibrant life happening right in your own backyard! Here is a list of fun events to check out in your own neighborhood...

Understanding Market Fear: The VIX Explained The VIX, or volatility index, is a forward-looking indicator of expected stock market volatility over the next 30 days. Often called the "fear index," it's calculated by the Chicago Board...

Economic and political news has paved a path for an increase in market volatility. This has caused some investors and companies to react cautiously. Here are some ways to focus on the fundamentals of investing rather than getting too caught

Getting ready for retirement? Before you can cross that bridge, you’ll need to cross some important items off your to-do list. But thanks to our work together, you might be more prepared than you think! This handy checklist...

For most Americans, the most important tax date to remember is April 15th. This is the deadline for filing your federal income tax return and paying any taxes owed. You also have to make IRA and HSA contributions for 2024 tax year by...

Mindful Money Goals, Retirement With Purpose, Lasting Impact

Here are a few loose ends you may want to tie up before the end of the year.

The annual contribution limit for employees who participate in 401(k), 403(b), governmental 457 plans, and the federal government's Thrift Savings Plan is increased to $23,500, up from $23,000...

BREAST CANCER AWARENESS MONTH This month you’ll be seeing pink as we work hard to raise awareness of this disease. Our founder Michael Pesendorfer is honored to return as one of the American Cancer Society’s Men Wear Pink ambassadors!...

Less than half of Americans feel confident in their financial decisions.

The Federal Reserve decided at their latest meeting to hold interest rates steady. This is the eighth consecutive policy-setting meeting where interest rates have remained unchanged. Previously, they had...

SCHOOL’S OUT FOR SUMMER... BUT NOT FOR YOUR FINANCES! Summer is the perfect time to unwind and enjoy the fruits of your labor, like taking a well-deserved vacation. But don’t let your long-term financial goals get lost in the shuffle....

SUMMER SAVING FOR TOMORROW Put aside some time this summer to save for retirement...

Americans have a variety of retirement income sources available to them. It can be important to have a multi-faceted strategy where you understand all the payout options and tax consequences for each.

This is a great time to improve your understanding of financial principles and practices so you can feel more confident in making informed decisions about your money. Not...

Preparing to Retire? Educators, are you preparing to retire? As you approach this significant milestone, it’s crucial to be well-informed about the steps involved in transitioning into retirement. While it’s not always easy...

It’s Tax Season! Taxes are a crucial part of a strong financial strategy. As your taxes get more complicated, so might your chances of getting audited. Stay informed with this breakdown of the red flags for IRS audits....

The January issue of the Financial Pulse Newsletter is here! Get up to date with a monthly market overview, up-to-date statistics, and more.   >> Click to access the M3 Financial Pulse    

Don’t just make resolutions, start taking action. Achieving your retirement goals starts with a plan of action. By starting the year off saving for retirement, the year will end with strong progress towards your goals. Don’t delay, start

New 2024 Retirement Plan Contribution Limits

October is Breast Cancer Awareness Month. This month you’ll be seeing pink across the country – on lapels, products, and even football fields. Accompanied by that signature color, people are working hard to raise awareness of this disease.

September marks not only the shift in seasons but also awareness as September is Literacy Awareness Month. While traditionally celebrated as a time to hone reading and writing skills, this month also offers...

Avoid the Pitfalls: Why Annuities Might Not Suit Your Qualified Retirement Accounts...

Seven Steps to Financial Independence: Celebrate Your Freedom by Securing Your Future.

College is one of the best ways to plan for a successful future. But first, you have to plan for college.

There are a lot of provisions in the recent SECURE 2.0 Act that employees and plan participants should be aware of. Here are some of the key changes that can impact your retirement and savings in 2023 and the years ahead.

ARE YOU HALF-WAY TO YOUR FINANCIAL GOALS? We are almost mid-way through the year already and summer is a good time to spot check how you are progressing towards your goals. Here are some good questions to ask yourself and to review with you

Here’s what to focus on as the transition approaches...You can prepare for the transition years in advance. In doing so, you may be better equipped to manage anything unexpected that may come your way.How much monthly income will...

We spend years in retirement and most of our time until then preparing for retirement. But how much do we really know? Here are five surprising facts about retirement:

Life insurance choices can be confusing...Man is mortal... That makes life insurance a little unique and interesting, doesn’t it? We purchase things like health insurance, car insurance, and home insurance, then hope we never...

Women’s financial needs are often different than men’s in our society, and retirement is one area where those differences become apparent.

There are a lot of provisions in the recent SECURE 2.0 Act that employees and plan participants should be aware of. Here are some of the key changes that can impact your retirement and savings in 2023 and the years ahead...

Where do those accounts and policies end up? Some accounts have no designated beneficiary. Rarely the same thing occurs with insurance policies. That is usually an oversight. In exceptional circumstances, it is a choice. What happens to...

IRA DEADLINES ARE APPROACHING! Here is what you need to know.

Decades ago, there was a book entitled, What They Don’t Teach You at Harvard Business School. Perhaps someday, another book will appear to discuss certain aspects of the...

END-OF-THE-YEAR MONEY MOVES, Here are some things you might consider before saying goodbye to 2022.

“It turns out my job was not to find great investments, but to help create great investors,” writes Carl Richards, author of “The Behavior Gap.” From...

New Retirement Contribution Limits for 2023, Near-record levels

Some retirees save a great deal of money by downsizing; others do not...You want to retire, and you own a large home that is nearly- or fully-paid off. The kids are gone, but the upkeep costs haven’t fallen. Should you retire and...

This month you’ll be seeing pink across the country – on lapels, products, and even football fields. Accompanied by that signature color, people are working hard to raise awareness of this disease...

MAKING DECISIONS ABOUT LIFE INSURANCE Life insurance choices can be confusing...

What happens when there are no beneficiaries? Where do those accounts and policies end up?

The retirement reality check! Little things to keep in mind for life after work.

The behavior gap & your financial health… Do you know how your behavior affects your finances?

Should you downsize for retirement? Some retirees save a great deal of money by downsizing; others do not…

Are your retiring within the next 5 years? Here’s what to focus on as the transition approaches…

403(b) accounts are a unique way to help save for retirement. You may already be familiar with Traditional 403(b) plans, but do you know about the benefits of a Roth 403(b) account?

It was an honor to present this year’s Royal Oak Chamber of Commerce ‘Business of the Year’ award to a group of financial professionals who are making a difference in the lives of the clients they serve and adding...

The March issue of the Financial Pulse Newsletter is here! Get up to date with a monthly market overview, an exciting M3 news update, and more.

It’s back.… Volatility has raised its ugly head once again causing worry in the minds of both the seasoned and novice investor alike. However, while some people are...

3 Tips To Survive Market Volatility. Volatility has raised its ugly head once again causing worry in the minds of both the seasoned and novice investor alike...

2022 contribution limits and tax changes… Do you know how much you can contribute to retirement accounts in 2022? Plus, find out what tax changes can we expect to see.

The December issue of the Financial Pulse Newsletter is here! Get up to date with a monthly market overview, up to date statistics, and more.

The November issue of the Financial Pulse Newsletter is here! Get up to date with a monthly market overview, up to date statistics, and more. >> Click to access the M3 Financial Pulse

The October issue of the Financial Pulse Newsletter is here! Get up to date with a monthly market overview, up to date statistics, and more. >> Click to access the M3 Financial Pulse

The September issue of the Financial Pulse Newsletter is here! Get up to date with a monthly market overview, up to date statistics, and more. >> Click to access the M3 Financial Pulse

The July issue of the Financial Pulse Newsletter is here! Get up to date with a monthly market overview, up to date statistics, and more. >> Click to access the M3 Financial Pulse

The June issue of the Financial Pulse Newsletter is here! Get up to date with a monthly market overview, up to date statistics, and more. >> Click to access the M3 Financial Pulse

A recent survey shows that 63% of investors are more interested in protecting their financial assets and planning for uncertainty in the future than anything else.1 There are many reasons for this change, but here are a few of the most...

The June issue of the Financial Pulse Newsletter is here! Get up to date with a monthly market overview, up to date statistics, and more. >> Click to access the M3 Financial Pulse

With the Federal Reserve keeping interest rates at or near zero, you may wonder about your mortgage… Is it a good time to refinance or even pay off the debt entirely? After all, your mortgage is one of the biggest expenses you...

The May issue of the Financial Pulse Newsletter is here! Get up to date with a monthly market overview, up to date statistics, and more. >> Click to access the M3 Financial Pulse

This continues to be a tough time for many people, and the IRS wants to help… The Internal Revenue Service (IRS) announced that the federal income tax filing due date for individuals for the 2020 tax year has been automatically...

The April issue of the Financial Pulse Newsletter is here! Get up to date with a monthly market overview, up to date statistics, and more. >> Click to access the M3 Financial Pulse

The March issue of the Financial Pulse Newsletter is here! Get up to date with a monthly market overview, up to date statistics, and more. >> Click to access the M3 Financial Pulse

A guide to 2021 tax law changes and tax preparation… April 15, 2021 is the deadline the Internal Revenue Service sets for filing your 2020 tax returns. If you believe you will miss that deadline, you should consider filing for...

M3 Investment Services announces new branding and website 2021 will be an auspicious year as M3 Investment Services proudly celebrates 25 years of our advisors offering clear, quality investment options with highly personalized service...

The February issue of the Financial Pulse Newsletter is here! Get up to date with a monthly market overview, up to date statistics, and more. >> Click to access the M3 Financial Pulse

Should you withdraw your retirement plan money before you retire? Not only are there penalties and tax consequences that come with withdrawing money early from your retirement accounts, but withdrawing money now could actually make it...

After a bit of political posturing in December, the $900 billion Consolidated Appropriations Act of 2021 (2021 CAA) was signed into law by President Trump as the COVID-19 pandemic continues to impact employers and employees....

The January issue of the Financial Pulse Newsletter is here! Get up to date with a monthly market overview, up to date statistics, and more. >> Click to access the M3 Financial Pulse

Saving money for retirement is a key facet of a sound financial plan, regardless of whether or not you plan on working during retirement. Nearly half of Americans leave the workforce earlier than they had planned. Those preparing to...

The December issue of the Financial Pulse Newsletter is here! Get up to date with a monthly market overview, up to date statistics, and more. >> Click to access the M3 Financial Pulse

The November issue of the Financial Pulse Newsletter is here! Get up to date with a monthly market overview, up to date statistics, and more. >> Click to access the M3 Financial Pulse

The October issue of the Financial Pulse Newsletter is here! Get up to date with a monthly market overview, up to date statistics, and more. >> Click to access the M3 Financial Pulse

Building a platform emphasizing education, not sales, M3 has helped their clients find solutions that best meet their individual needs. M3 offers a complimentary comprehensive financial plan to all clients without excessively high...

The September issue of the Financial Pulse Newsletter is here! Get up to date with a monthly market overview, up to date statistics, and more. >> Click to access the M3 Financial Pulse

The August issue of the Financial Pulse Newsletter is here! Get up to date with a monthly market overview, up to date statistics and more. >> Click to access the M3 Financial Pulse

The June issue of the Financial Pulse Newsletter is here! Get up to date with a monthly market overview, up to date statistics and more. >> Click to access the M3 Financial Pulse

The June issue of the Financial Pulse Newsletter is here! Get up to date with a monthly market overview, interesting statistics and a useful article about the best way to deal with the markets during volatility.

Here are some common missteps you can avoid so you can achieve the retirement you are dreaming about: Not cushioning with cashYou should typically have 3-6 months of income in cash—safe, easily liquid investments so that you...

The May issue of the Financial Pulse Newsletter is here! Get up to date with a May market overview, up to date statistics and a useful article with tips to help you go through the current market volatility. >> Click to access...

Recently, the $2 trillion “Coronavirus Aid, Relief, and Economic Security” (“CARES”) Act was signed into law. The CARES Act is designed to help those most impacted by the COVID-19 pandemic, while also providing...

The April issue of the Financial Pulse Newsletter is here! Get up to date with our monthly overview and a Market Corrections article to help you have a better financial perspective. >> Click to access the M3 Financial Pulse.

The March issue of the Financial Pulse Newsletter is here! Get up to date with a March market overview, up to date statistics and a useful article with tips to help you go through the current market volatility. >> Click to...

Financial planning means much more than just investing. It’s bringing all the pieces of your financial life together— from budgeting, to planning for retirement, to saving for education, to managing your taxes and your...

The February issue of the Financial Pulse Newsletter is here! Get up to date with a February market overview, interesting statistics and a useful financial guide to help you start planning for this year. >> Click to access the...

Achieving your retirement goals starts with a plan of action. By starting the year off saving for retirement, the year will end with strong progress towards your goals. Don't delay, start achieving your goals now. Now is the time to...

At M3 Investment Services, our advisors are working collaboratively with the Michigan Retirement Investment Consortium (MRIC) and school employees to help make intelligent, informed decisions about retirement planning. MRIC is a group...

The January issue of the Financial Pulse Newsletter is here! Get a close look at the market during the beginning of this year, helpful statistics to understand major market events , and our article of the month "What Could Block You...

The December issue of the Financial Pulse Newsletter is here! Get up to date with an December market overview, interesting statistics, and a useful budgeting article. >> Click to access the M3 Financial Pulse.

The November issue of the Financial Pulse Newsletter is here! Get up to date with an November market overview, interesting statistics and a useful retirement planning article. >> Click to access the M3 Financial Pulse.

‘Solo’ Doesn’t mean you have to go through it alone EZ-K makes saving simple for self-employed individuals. While being your own boss has many advantages, your business’ success is based solely on your effort....

The October issue of the Financial Pulse Newsletter is here! Get up to date with an October market overview, interesting statistics and a useful financial planning article. >> Click to access the M3 Financial Pulse.

The September issue of the Financial Pulse Newsletter is here! Get up to date with a September market overview, interesting statistics and a note about M3's special feature in Kiplinger.

The August issue of the Financial Pulse Newsletter is here! Get up to date with an August market overview, interesting statistics and helpful advice on financial planning. >> Click to access the M3 Financial Pulse.

The July issue of the Financial Pulse Newsletter is here! Get up to date with a July market overview, interesting statistics and helpful advice on financial planning.

WHAT IS A FINANCIAL PLAN? Financial planning means much more than just investing. It’s bringing all the pieces of your financial life together—from budgeting, to planning for retirement, to saving for education, to...

The July issue of the Financial Pulse Newsletter is here! Get up to date with a July market overview, interesting statistics and helpful advice on financial planning.

Enjoy reading our May Financial Pulse Newsletter. It includes a market overview, interesting statistics, and information on our Summer Kickoff event. >> Click to access the M3 Financial Pulse.

Enjoy reading our April Financial Pulse Newsletter. It includes a market overview, a financial literacy article, and interesting statistics. >> Click to access the M3 Financial Pulse.

Enjoy reading our March Financial Pulse Newsletter. It includes a market overview, our advisor's tips on retirement investing, and interesting statistics. >> Click to access the M3 Financial Pulse.

Enjoy reading our February Employer Newsletter. It includes a market overview, our advisor's tips on retirement investing, and interesting statistics. >> Click to access the M3 Employer Newsletter

Enjoy reading our January Employer Newsletter. It includes a market overview, our advisor's tips on retirement investing, and interesting statistics. >> Click to access the M3 Employer Newsletter

Enjoy reading our December Employer Newsletter. It includes a market overview, our advisor's tips on retirement investing, and interesting statistics. >> Click to access the M3 Employer Newsletter

Enjoy reading our monthly overview and highlights of the markets and the economy. >> Download November M3 Employer Newsletter

Enjoy reading our monthly overview and highlights of the markets and the economy. >> Download September M3 Employer Newsletter

One of the biggest risks investors face is not being able to save enough money for their retirement or other financial goals. Whatever stage of investing you are in – accumulation, transitioning to retirement, or living in...

Enjoy reading our monthly overview and highlights of the markets and the economy. >> April M3 Employer Newsletter

Tip: How Much? Check your Social Security earnings and see an estimate of your benefits on the Web site, www.ssa.gov. Social Security’s been a fact of retirement life ever since it was established in 1935. We all think we know...