The Importance of POA & Authority to Contact
Have you thought about what would happen if you were unable to make important financial decisions or could not be reached? Do you know who your JNBA Advisory Team would contact and how that determination would be made? Having the proper arrangements in place helps ensure both you and JNBA know exactly who to turn […]
Book Club Reflection: 1929 by Andrew Ross Sorkin
About once a quarter, our advisory team chooses a book that helps us zoom out, to revisit the foundational moments that shaped our past and influence our future. 1929 by Andrew Ross Sorkin offered that. The book isn’t just about a market crash, it’s about human behavior: confidence, fear, leverage and the illusion that “this time […]
A Simple, Practical Approach to Motivation
Most of us don’t struggle with knowing what we should do. We know we should save more, follow through, take better care of ourselves, have the hard conversation, or finally start the thing we’ve been putting off. The challenge is getting ourselves to do the things we should be doing. That’s where a concept called […]
What You Need to Know About Estimated Tax Payments (Before the IRS Reminds You)
For many people, taxes feel like a once-a-year event. But if you earn income outside of a traditional paycheck, whether through a business, investments, or side work, the IRS operates a little differently. It expects you to pay taxes as you earn income, not just in April. That’s where estimated tax payments come in. What […]
A Different Kind of Bucket List
Most people think of a bucket list as something static. A collection of goals we’ll eventually get to, often later, when work slows down or life opens up. It’s a comforting idea, because it assumes experiences can wait for us. We often forget, not all experiences are available at every stage of life. In Die […]
Understanding Trump Accounts: Key features, benefits and what to know before opening
Established under the One Big Beautiful Bill Act in 2025, Trump Accounts are newly created accounts designed to help families build long‑term savings for their children. These accounts offer unique opportunities for families to save on behalf of their children beginning at birth and on an ongoing basis. For children born between 2025-2028, they are […]
Nine Things from Die With Zero That Stuck With Us
At JNBA, financial planning has always been about more than the numbers. It’s about how money supports the life you want to live: your experiences, relationships, and values. Recently, our team read Die With Zero by Bill Perkins. The book invites readers to reconsider long-held beliefs about saving, spending, and “someday.” Below are nine ideas […]
Refinancing Your Home: A Strategic Perspective Determining Whether Refinancing Aligns with Your Financial Life Plan
Refinancing a home mortgage can be a meaningful financial decision when approached thoughtfully and in the right context. For high‑income households, the question is rarely whether refinancing can reduce a monthly payment, but rather whether doing so supports broader objectives, preserves flexibility, and strengthens the balance sheet over time. Rather than reacting to interest‑rate movements, […]
Book Club: How to Know a Person by David Brooks
At JNBA, financial planning has always been about more than numbers. It’s about people; their goals, fears, memories, and the meaning they attach to money. That’s why our team recently read How to Know a Person by David Brooks, a book that explores what it really takes to understand others on a deeper, more personal […]
Helping Your Young Adult Build a Financial Foundation
Launching into the workforce with your first professional job or do you know someone who is? If this is you, congratulations on reaching this milestone! While it’s an accomplishment to celebrate, it’s also a transition to take seriously as it brings on a whole new era of “adulting.” With exciting new independence, purpose and income […]