Planning Perspectives shares practical ideas and advice from Custom Fit Financial to help you make smart, informed choices about your money. Whether you are getting organized, preparing for retirement, or managing taxes, our goal is to help you feel confident and in control.
As the year winds down, it is the perfect time to take a closer look at your tax strategy. Thoughtful planning before December 31 can help you reduce your tax bill, strengthen your retirement plan, and make the most of your money. Here are several smart tax moves to...
If you are an Iowa public employee, such as a teacher, law enforcement officer, or government worker, you have likely heard chatter about changes to IPERS, Iowa’s defined benefit pension system. In 2025, a state task force called Iowa DOGE floated several ideas that...
Target date funds are one of the most common investment options in retirement accounts today. They are designed to make investing easier by automatically adjusting your portfolio over time. But while target date funds offer simplicity, they may not always be the best...
Reward credit cards can be a great way to earn cash back, travel perks, or points on everyday purchases. For some people, they are a smart addition to a financial plan. For others, they can create more problems than benefits. So how do you know if a rewards card makes...
When it comes to protecting your finances, most people think about auto insurance, homeowners insurance, or even life insurance. But what happens when those policies are not enough? That’s where umbrella insurance comes in. Umbrella insurance is an extra layer of...
Most people think of estate planning as creating a will, naming beneficiaries, or setting up a trust. But in today’s world, your digital life is just as important to plan for. From online bank accounts to social media, digital photos, and even cryptocurrency wallets,...
Collins Aerospace offers employees a voluntary benefit through Allstate that combines life insurance and long term care (LTC) protection in one plan. This type of hybrid coverage is designed to protect both your family and your retirement savings. How the Policy...
Tax planning before retirement can make a huge difference in how long your savings last. Without a strategy, taxes can quietly eat away at your income, leaving you with less money for travel, hobbies, and the lifestyle you’ve worked hard to build. Many retirees are...
When you think about building wealth, your mind might jump straight to investments, side hustles, or even cutting back on your daily coffee habit. But one of the most overlooked (and most powerful) tools for building long-term financial security is sitting right in...
Planning for the future isn’t just about your finances. It’s also about making sure your wishes are known, your loved ones are protected, and things are as smooth as possible when life throws a curveball. Estate planning isn’t only for the wealthy or the...
When it comes to managing your finances, trust matters. At Custom Fit Financial, we believe your financial advisor should always act in your best interest. That is why we proudly operate as a fiduciary. But what does that really mean, and why should it matter to...
On July 18, 2025, President Trump signed the GENIUS Act into law, marking a turning point in how the United States regulates crypto, especially stablecoins, the digital assets pegged to the U.S. dollar. What is a stablecoin? A stablecoin is a cryptocurrency...