Insights, Advice, and Conversations to Shape Your Financial Future
DISCUSS WITH RUSS
“Discuss With Russ” is your go-to resource for navigating the complex world of personal finance. Whether you’re looking to manage risk, seize new opportunities, or avoid common financial pitfalls, our blog offers insights to help you succeed at every stage of your financial journey.
We’re here to provide actionable strategies and thoughtful guidance to help you take control of your financial future.
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Is Vulnerability Planning Factored Into Your Estate Plan?
Your estate planning should cover more than just what happens to your assets when you die. It also needs to account for how your assets are managed should you become incapacitated and unable to manage them yourself.
7 Cybersecurity Tips to Protect Your Personal Data
How safe is your personal data - like passwords and bank accounts- from theft and use by a criminal? These seven cybersecurity tips can help you be sure it’s locked down.
Interview with Russell D. Rivera, CFA, CFP®
Check out Russell’s interview with Y-Apply where he shares a little bit about himself, his goals for Y-Apply, and his professional endeavors.
How to Maximize Your Employee Benefits
Employee benefits often go beyond retirement matching and health insurance. Learn what other benefits you may have available so you can reap the financial rewards.
Strategies for Retirement Account Distributions
When the time comes for you to begin taking required minimum distributions (RMDs) from your retirement accounts, there are strategies you can employ to be sure the numbers work in your favor.
The Feel Good Guide to Charitable Giving
You don’t have to be among the wealthy to make an impact with charitable giving. When you give to charity, you not only help others, but you benefit yourself as well.
6 Essential Health Tips for Seniors
Getting older is inevitable, but the healthier you are in your later years, the more you will be able to enjoy them.
The Coming Crash: How to Be Sure You’re Prepared
Whether it’s next month or years from now, another recession will eventually happen. What’s important is that you are prepared financially.
It’s Never Too Late for College Financial Planning
If your child has graduated high school or is about to and you realize you don’t have enough saved for his college education, don’t panic. There are several things you can still do put money aside and lower the overall cost of tuition.
It’s Never Too Early for College Financial Planning
Worried about how you’ll ever save up enough money to cover the huge amount your children will need for their college education? When you start while your children are young, you have many good options.
How to Make Moving Easier and Less Stressful
Knowing what to expect can help you lessen the stress and expense of moving. Here are some things to think about before, during and after your move.
How to Care for a Loved One with Dementia
As the population ages, the prevalence of dementia is expected to increase. Here are the common signs of dementia and strategies for caring for someone who has it.
9 Common Questions About Social Security Benefits Answered
Knowing the answers to these nine common questions about Social Security benefits can help you avoid costly mistakes.
Self-Care for Caregivers
Being a caregiver can take its toll on you physically, mentally, and spiritually. Take time to observe these self-care practices to stay healthy and happy.
10 Smart Tips for Getting Organized with Estate Planning
Creating an estate plan in case of your death or disability can help your heirs avoid unneeded stress and uncertainty. Here are 10 steps to follow.
How to Teach Your Children Good Financial Literacy Skills
Teaching your children financial literacy is one of the most important jobs you have as a parent, but it’s not necessarily one that comes naturally. Here are a few ways you can pass along this necessary life skill.
7 Ways to Reduce Financial Stress
Being worried about money is the number one cause of stress for Americans, but it doesn’t have to be that way. Here are seven ways you can reduce financial stress in your life.
Financially Savvy Ways to Travel
Traveling can be expensive, but it doesn’t have to ruin your budget. Use these strategies to plan a vacation that won’t break the bank.
Shut It Down! The Financial Planning Lessons from the Government Shutdown
While the President and Congress are feuding over funding governmental operations, some federal workers are not being paid. As the length of the shutdown grows, some are getting concerned about how it will affect their lives.
Volatile Markets
It is understandable if you are feeling nervous, as these things often happen quickly and without warning. But as I said in my discussions with many of you, we have been waiting for events like this to happen for some time.