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Monday, April 27, 2026

When someone chooses to invest, it can feel like the beginning of a new chapter. Such an important decision may be the result of an inheritance, the proceeds from the sale of a long-time home, or the transfer of a 401(k) after decades...

Tuesday, April 14, 2026

On a recent weekend, my daughter, son-in-law, and 15-month-old grandson, Hugo, came home for a visit. Like many grandparents, I find myself quietly amazed by every new skill and milestone—especially right now, as Hugo is learning to...

Friday, March 27, 2026

At One Financial Services, we provide advice and guidance to a wide variety of clients. Where we add the most value is with the delegators, those who have earned and saved and are willing to rely on our process.

Monday, March 16, 2026

There are moments in life that change every arrive without asking permission—sometimes expected, sometimes not—and in their wake, everything feels still. Quiet. Disoriented. Changed. A health scare. The loss of a loved one. A...

Tuesday, March 3, 2026

For many, retirement planning feels like trying to budget for a life you haven’t lived yet.You imagine new routines, new freedoms, maybe new expenses. And with that comes the pressure to forecast—often with exacting detail—how much...

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Friday, February 20, 2026

Few generations have shaped American life as profoundly as the Baby Boomers. Born between 1946 and 1964, Boomers have made their mark on education, food, housing, consumer behavior, and even the political and technological landscape....

Thursday, February 12, 2026

During this live webinar, Andrew Beatty, Vice President, Head of OCIO, shared perspectives on the economic and market outlook for 2026, along with strategies to help you make informed decisions in a changing financial landscape.

Thursday, February 12, 2026

“Letting go” has many meanings and can take many forms.Sometimes it means stepping back from your career.Sometimes it means releasing old habits or outdated financial assumptions.And sometimes—perhaps most profoundly—it means preparing...

Thursday, January 22, 2026

The word vulnerability has come to be considered a strength; the ability to admit you don’t have all the answers, to seek other solutions, and the willingness to address a financial imbalance. Many young families face this imbalance. Your O

Thursday, January 15, 2026

One of the quiet pressures people carry into retirement is the idea that there’s a right way to do it.That there’s a perfect age. A perfect spending plan. A perfect mix of rest, travel, and grandparenting.That someone, somewhere, has...

Thursday, January 8, 2026

A message from Jack Morrone, One Financial Services, Principal and Co-founderThere’s no playbook for going through the experience of loss and the grief that accompanies it.When someone or something that shaped your life is no longer...

Tuesday, January 6, 2026

During your working years, market headlines come and go.Maybe you notice them. Maybe you don’t. You’re contributing to your 401(k), earning a steady paycheck, and years—maybe decades—away from retirement. There’s comfort in the idea...

Monday, December 8, 2025

At One Financial Services, our name reflects our core belief: that the concept of "one" holds extraordinary meaning in finance, relationships, and life. It’s simple. Clean. Direct. But like most things that appear simple, the meaning...

Sunday, November 23, 2025

Thanksgiving is a holiday for spending time with loved ones, being grateful, and perhaps enjoying a bit of overindulgence. There are many financial lessons to be had in planning, preparing, and celebrating this annual feast.1 Here are...

Thursday, November 20, 2025

There’s a long-standing belief in retirement planning that’s been passed from generation to generation: “Your percentage in bonds should match your age.” It’s simple, feels safe, and seems like a responsible way to reduce investment...

Tuesday, November 11, 2025

I heard an ad recently that began with a simple refrain: There’s only one Hall of Fame. Only one White House. Only one Washington Monument. Only one Super Bowl champion. Only one Stanley Cup trophy. It caught my attention because of...

Sunday, November 9, 2025

More and more, we’re offered warranties for the things we buy. Not just for cars and appliances anymore—but for headphones, electronics, even everyday Amazon purchases. Why? Because people want protection. They want peace of mind. They...

Wednesday, November 5, 2025

It’s a conversation that plays out often—especially during tax season or election cycles: “The rich should pay more.” “It’s unfair that some people don’t pay anything.” “Higher earners should shoulder a greater share of the burden.”...

Tuesday, November 4, 2025

At One Financial Services (OFS), our story is one of steady growth, client dedication, and a commitment to excellence. As we celebrate our 20th anniversary with LPL Financial in 2025, we’re proud to reflect on the milestones that have...

Monday, October 27, 2025

In the intricate tapestry of investment strategies, the Halloween Strategy, also known as the Halloween Effect or Halloween Indicator, stands out as a peculiar and fascinating anomaly. Rooted in the hypothesis that stocks tend to...

Tuesday, October 14, 2025

One of the most common misconceptions we hear in financial planning sounds like this: “What difference will it really make?” It’s often said with a shrug, a note of skepticism, or even resignation—especially when we suggest a small...

Wednesday, October 8, 2025

At One Financial Services, we often find that as people approach retirement, they carry forward certain beliefs shaped by their working years—ideas about spending, saving, and managing through uncertainty. One of the most common...

Wednesday, September 24, 2025

(A personal message from OFS Co-founder, Jack Morrone) Not long ago, my partner, Rob, and I were in New York City attending a conference with a group of top-producing advisors from our broker-dealer, LPL Financial. During a roundtable...

Monday, September 22, 2025

An emergency fund is one of the most essential financial tools you can have in your financial toolbox. According to a CBS News report, 59% of Americans in 2025 don’t have enough savings to cover an unexpected emergency expense.[i] It...

Thursday, September 11, 2025

A Personal Message from One Financial Services Co-founder, Jack Morrone On our anniversary this year, my wife handed me a card with a short, simple message: “Thank you for being my rock.” That phrase stuck with me—not just because of...

Tuesday, September 9, 2025

At One Financial Services, trust is everything. Trust goes beyond credentials, experience, or results—it's what happens when a client lets go of control, fear, and privacy, allowing us to see the full picture. The reality is: We can...

Friday, September 5, 2025

In August of 2025, we held our Midyear Outlook 2025 webinar event. Watch the video replay here as Head of OCIO Andrew Beatty breaks down where the economy stands—and where it may be headed. This video provides a comprehensive overview...

Saturday, August 30, 2025

It takes strength to plan for the unthinkable. It’s uncomfortable. It feels morbid. It forces us to imagine a future we hope never comes. But the truth is, the best financial plans aren’t built on wishful thinking. They’re built on...

Thursday, August 28, 2025

Many people assume that if you can afford a major purchase, renovation, or gift, there's no need to consult your financial advisor. From a cash-flow perspective, that might be true. But why get advisor input if the money is already...

Monday, August 25, 2025

If you’re nearing age 65 or already enrolled in Medicare, it’s important to stay up to date on how the program is evolving. Every year brings small changes, and 2025 is no different. Whether you’re planning your first enrollment or...

Monday, August 11, 2025

Tariffs, import and export taxes imposed by a country on goods or services, are pivotal in shaping domestic and global trade policies and economic events. As a commercial and political regulatory measure, tariffs have roots across...

Sunday, August 10, 2025

The act of “letting go” is often misunderstood…We live in a culture that celebrates holding on—holding on to control, to outcomes, to stuff, to status, to certainty. We value the tight grip, the hustle. We admire the person with all...

Monday, July 28, 2025

“You’re so lucky!” It’s a phrase we’ve all heard—and probably said ourselves. Often, it’s meant as a compliment, or an expression of admiration: “You’re so lucky you could take that trip.” “You’re so lucky you could retire early.”...

Monday, July 28, 2025

Few generations have had as much influence on American life as the Baby Boomers. Born between 1946 and 1964, Baby Boomers have made their mark on education, food, housing, consumer behavior, and, especially, the political and...

Thursday, July 24, 2025

One Financial Services is proud to announce that Partner and Wealth Advisor Robert P. Pretopapa, CFP® was recently honored by AdvisorHub as a 2025 Advisor to Watch: Top 100 Next Gen! “I am humbled to be named to this prestigious list...

Monday, July 21, 2025

Tariffs—taxes imposed on imported goods—have become an essential factor for investors to consider. They are typically used to protect domestic industries from foreign competition by increasing the costs of imported goods. However,...

Sunday, July 6, 2025

Your finances are probably one of the last places you want to experience fireworks—unless they are celebratory. With new year's resolutions firmly in the rearview mirror, the summer months allow you to revisit your financial goals and...

Sunday, June 22, 2025

As we go through various stages of life, our insurance needs may vary significantly. Here’s a breakdown of the different stages: Early Adulthood (20s and 30s) Considerations: Affordability. Life insurance will be less expensive if an...

Sunday, June 8, 2025

As you go through life, planning for life's unpredictability is essential. If your family has children or adults with special needs, estate planning for their future care becomes vital. Estate planning for them is unique as it needs...

Tuesday, June 3, 2025

For the fifth consecutive year, One Financial Services Principal and Co-founder, Jack Morrone, has been recognized by the prestigious Forbes ranking as a top wealth advisor in Pennsylvania. Acknowledging the award, Jack offered thanks...

Sunday, May 4, 2025

Addressing wealth management comprehensively in today's market environment is essential for individuals and business entities. Given the dynamic nature of global markets and the ever-changing economic landscape, navigating investment...

Saturday, April 26, 2025

Money concerns can be overwhelming to the point that they affect other aspects of your life, including your mental and physical well-being. However, there are various strategies you can use to help you better manage and alleviate this...

Sunday, April 13, 2025

A 529 Plan, also known as a "qualified tuition plan," is an investment vehicle that offers numerous benefits to parents seeking to save for their children's future education. 529s are versatile and provide significant advantages that...

Friday, April 11, 2025

The Baby Boom generation is now, in 2025, solidly within retirement age, with the youngest being 61 and the oldest 79. This generation has been responsible for some of the biggest innovations and rapid changes in American history. But...

Sunday, March 23, 2025

The Social Security Fairness Act is a bill signed into law that repeals several decades-old provisions that previously reduced your Social Security benefits if you or a spouse received a pension from a non-Social Security covered job,...

Sunday, March 2, 2025

Each year when tax season rolls around, it comes with the burden of figuring out how to file your taxes correctly. The good news is that there are several ways to prepare and file your taxes, depending on your needs and the complexity...

Sunday, February 16, 2025

Understanding the guidelines surrounding Required Minimum Distributions (RMDs) becomes crucial as we navigate the complexities of personal finance and retirement planning. For those who have inherited retirement accounts or are...

Monday, February 10, 2025

Valentine’s Day may mean love is in the air, but for millions of older adults, protecting their assets and maintaining their independence is more important than romance.

Tuesday, January 28, 2025

Building a secure financial future requires discipline; protecting it requires diligence. Identity Theft Awareness Week is a good time to review your safety protocols.

Tuesday, January 7, 2025

Staying on top of your best tax strategies, including the latest updates from the IRS, and merging that information into your long-term financial planning goals requires an experienced team, especially if your tax situation is complex.

Thursday, December 26, 2024

There are many ways to advance and protect your financial future. One of them is caring for and protecting your health. One Financial Services wishes you a Happy & Healthy New Year.

Wednesday, December 11, 2024

Tis the season of giving to those we love and the things we care about. Your One Financial Services advisor is here to help guide your end-of-year tax-free gift strategy.

Sunday, November 17, 2024

In commemoration of National Scholarship Month, One Financial Services announces its annual Kutztown U. military scholarship.

Thursday, October 17, 2024

As the baby boom generation ages into retirement, the largest transfer of wealth to the next generation lies ahead. One Financial Services can help ensure your legacy.

Tuesday, October 1, 2024

October is Long-Term Care Planning Month. 60% of the population will at one time need long-term care not covered by health insurance or Medicare. Your One Financial Services advisor can provide options.

Friday, September 20, 2024

It’s back to school time which reminds us to think about our family’s educational needs. You can start saving for college now with a tax-free 529 plan. Our OFS team can help.

Tuesday, September 10, 2024

Life insurance is one of the most overlooked but important aspects of a solid financial plan. Your One Financial Services advisor will be happy to review your needs.

Monday, August 19, 2024

Accumulating assets to provide for a secure future is a worthy goal. Protecting those assets from identity theft and online fraud is, too. One Financial Services can help.

Tuesday, August 6, 2024

August is officially Make a Will Month, a good reminder to ensure that your finances and assets are used the way you want them to be used to support those you love.

Friday, July 19, 2024

In these times it can be challenging to separate fact from fiction when it comes to planning your financial future. Our award-winning One Financial Services team is here to help.

Wednesday, July 3, 2024

Life can throw us a curve ball… A divorce we didn’t see coming; the sudden death of a loved one. One Financial Services is here to help guide you to a happier, more secure future.

Monday, June 17, 2024

Buying a home is one of the most important financial decisions we make in our lives. How we finance that home is just as important. Your One Financial Services advisor can help.

Monday, June 3, 2024

One Financial Services is pleased to announce that the annual Nothelfer-McElwain Scholarship has been awarded to Kutztown graduate, Sara Ann Jenkins of Kempton, Pennsylvania.

Wednesday, May 15, 2024

Jack Morrone named to Forbes’ list of Best Wealth Advisors in Pennsylvania for the fourth consecutive year. He credits his One Financial Services team for their contributions.

Tuesday, April 30, 2024

At One Financial Services, celebrating “Older Americans Month” serves as a reminder of the importance of staying connected to our aging friends, family, and community members.

Tuesday, April 16, 2024

One Financial Services celebrates April 24 as Administrative Professional Day. Remember, in addition to all your professional and personal responsibilities, to care for yourself.

Tuesday, April 2, 2024

April is National Financial Literacy Month. One Financial Services wants to remind you that, like charity, financial savvy starts at home on the micro level of a household budget.

Friday, March 15, 2024

Happiness in retirement is an individual quest. Will you focus on leisure or find a new purpose? Your One Financial Services advisor will help you create a plan.

Wednesday, March 6, 2024

It’s Women’s History Month and “You’ve come a long way baby”. Let the One Financial Services team help you build a secure financial future for what lies ahead.

Monday, February 26, 2024

Love and money; finding a partner whose “financial style” is like your own can be a challenge. One Financial Services can help you navigate love’s bumpy path.

Wednesday, February 7, 2024

Time to get serious about filing your 2023 taxes. Our One Financial Services team can provide advice and guidance as you organize your documents and paperwork.

Friday, January 26, 2024

Tax season is here again and the filing date is only 90 days away. One Financial Services offers our clients a Tax Information Organizer so you don’t make any embarrassing or costly mistakes based on changes in circumstances or lifestyle.

Friday, December 22, 2023

As the year comes to a close, you may want to consider the advantages of year-end charitable giving. Beyond the tax advantages is the ability to embrace the spirit of the season and build a family tradition.

Friday, December 1, 2023

This holiday season you can provide the relevant members of your family with one of the greatest gifts. By sharing your estate plans for the future, you give each of them a chance to feel included and know there is a role for them to play.

Monday, November 27, 2023

Providing for our children is one of our strongest natural instincts. When they’re small we want to protect them, as they grow we want to teach them valuable lessons, and as young adults, we want to provide them with the best education...

Tuesday, October 31, 2023

You’ve spent a lifetime building a business. Now it’s time to protect those assets and ensure your hard-earned legacy is safely transferred to the next generation. Your One Financial Services team can help you secure that financial legacy.

Wednesday, October 18, 2023

It’s tempting to want to give your family the best life possible. But luxury purchases can put an unexpected dent in your retirement plans. Your One Financial Services advisor can help you make the best decisions for your future.

Thursday, October 12, 2023

October is Financial Planning Month, the perfect time to review and plan before the holiday rush begins. Whether as an individual or business client, Q4 2023, is when you want to prepare for 2024 ahead.

Tuesday, October 3, 2023

Retiring early sounds so appealing, but to do so requires careful planning and playing the long game of disciplined saving and investing. Your One Financial Services advisor can help you optimize your early retirement plan.

Thursday, September 14, 2023

Whether it’s a garden or your investments, they each require regular tending to grow strong and healthy. Your garden rewards you for your effort with its beauty and bounty. Your investments reward you with their safety and security.

Wednesday, August 16, 2023

Estate planning is one of the most important responsibilities you have to your family. Your One Financial Services advisor will assist you in considering all the contingencies that could affect your family’s future.

Friday, July 14, 2023

Good financial planning includes regular reviews of your insurance policies. Your One Financial Services advisor can guide you through a thorough review designed to align your insurance needs with your current lifestyle.

Thursday, June 29, 2023

Inflation is an inevitable part of the monetary cycle. As a client of One Financial Services, you will always have access to our best advice and guidance.

Tuesday, June 20, 2023

Maintaining your home and maintaining your financial future have a lot in common. They require regular upkeep and paying attention to details. One Financial Services can provide you with the information you need to deal with the details.

Sunday, May 21, 2023

Partners is an important word. Whether in love or business, “partner” represents shared responsibilities; shared paths on the way to shared goals. One Financial Services partners both celebrate significant wedding anniversaries in 2023.

Tuesday, May 2, 2023

Did your 2022 tax return result in owing the IRS money? Or did you receive a large refund? If your answer to either of these questions is, yes, you need to adjust your federal withholding with your employer. Set yourself up for 2023!

Thursday, April 27, 2023

April is Social Security Month, which serves as a reminder that we should be thinking about our retirement plan and how our Social Security benefits fit into that plan. At One Financial Services, our team can assist you.

Friday, April 7, 2023

A successful financial plan isn’t just about saving money and having a solid retirement plan, it’s also about minimizing your tax liability. Your One Financial Services team is uniquely qualified to help you do just that.

Tuesday, March 28, 2023

Women’s history is about more than a month, it’s a reminder to take stock of how well you’re taking care of yourself and planning for your future. At One Financial Services, our team can help you prepare for the unique financial challenges

Sunday, March 5, 2023

One Financial Services thinks of our clients as family. Our team is always on the lookout for ways to help make life a little easier.

Sunday, February 26, 2023

College graduation is the launching pad that sends young adults into the world. It’s an exciting time, but it brings new responsibilities. One of which is ensuring you can withstand an “income disruption.” Let us help you make a plan.

Monday, January 16, 2023

We live in a time of specialization. At One Financial Services, our team is comprised of highly qualified, certified financial professionals.

Sunday, November 27, 2022

“Begin with the end in mind” has never been truer than when starting out in your career and starting to plan for your retirement. The One Financial Services team can help you lay a solid foundation for a successful financial future.

Sunday, November 20, 2022

The dream of heading south for the winter can become a nightmare if you don’t put a financial and medical plan in place in advance. Your One Financial Services advisor can assist you in deciding how your legal place of residence can impact

Sunday, October 9, 2022

Losing one’s spouse or life partner is a traumatic experience. It requires coming to grips with a new routine and new responsibilities. The first days are a blur of arrangements and phone calls. Friends and family surround you;...

Saturday, September 3, 2022

Sending your young adult child off to college is an exciting milestone moment, but before they fly the nest, you should consider how to protect and assist them in case of emergency.

Sunday, July 24, 2022

For many who are divorced or widowed, finding love again, especially after the age of 50, is cause for celebration…a new lease on life. But second marriages come with a unique set of financial and estate planning challenges.

Sunday, July 10, 2022

No matter where you are on the retirement continuum line; years to go, almost there, or already retired, the current rise of inflation is a reason for caution…but not panic.

Sunday, April 24, 2022

Planning for one of the most important moments of your life can leave you with little time to think of anything else. You may not realize how many questions and changes marriage can bring to your financial situation.

Sunday, April 10, 2022

Our lives have many phases, and so does our retirement. And like our lives, we acquire wisdom and discipline along the way as our perspective changes.

Friday, April 8, 2022

As the New Year gets fully underway, remembering your spouse’s birthday or when the next big work project is due are not the only items that should be entered on your 2022 calendar.

Sunday, March 27, 2022

If your company offers you a severance package or buyout, your One Financial Services advisor will help you evaluate your options including where you are on your retirement journey.

Sunday, March 20, 2022

As a parent, the arrival of a new baby should also be the beginning of planning for that child’s future. At One Financial Services, we believe it is never too early to start planning your family’s financial journey.

Wednesday, March 2, 2022

We believe that examining and understanding the market response to the current geopolitical situation through the filter of experience and historical perspective is the best approach.

Sunday, February 20, 2022

Is there money left over in your 529 plan? Your One Financial Services advisor is available to analyze your family’s situation and help you to review your options.

Tuesday, November 30, 2021

For the first time in nearly two years, as we emerge from the shadow of a pandemic, our community, and our country, will celebrate the holiday season surrounded by friends and family. It is a time of love, joy, and giving. After the...

Sunday, October 24, 2021

Movie star Bette Davis famously said, “Old age is not for sissies”. Paraphrasing Bette, “Being single as we age is not for sissies”, either. At One Financial Services we believe that if you are widowed, divorced...

Wednesday, September 22, 2021

“Service” is part of our name…as one of Lehigh Valley’s leading financial firms, service is what we provide to our clients and our community. On August 24, 2021, we closed our offices to dedicate the day to...

Wednesday, September 22, 2021

Frank Sinatra famously sang that “Love is lovelier the second time around”. And for those who find love again after being widowed or divorced, that sentiment likely rings true. At One Financial Services, we know that what...

Sunday, July 11, 2021

Preparing your children to be independent adults and contributing members of society is one of life’s most challenging tasks. It goes beyond teaching good manners, personal responsibility, and respect for others. Our One...

Sunday, June 20, 2021

One of life’s most important milestones is when two people join their lives together. And although we all enjoy the fairytale aspect of a love story, in between asking “Will you” and saying, “I Do”, there...

Sunday, May 23, 2021

Cases of COVID-19 are finally declining as more people are being vaccinated, giving us hope that a return to life as we knew it a year ago is just around the corner. Hope for a return to “normal” where we once again can do...

Wednesday, May 12, 2021

Divorce is like beginning a new chapter of a book, it’s part of your overall story.Turning the page means you’ll likely encounter unexpected twists and turns in the plot. The end of a marriage is an emotional experience so...

Sunday, April 11, 2021

One of the lessons many of us learn from our parents and coaches growing up is to “never brag”. We are often admonished to be humble and give credit to others. To do so is considered a mark of good manners…and good...

Sunday, March 14, 2021

There’s a line in the classic movie, “Sound of Music” where, in one of her darkest moments, the heroine says she believes that whenever a door closes a window opens somewhere. This past year many doors have been...

Sunday, February 28, 2021

Talk to families who have lost loved ones close to them and you will likely hear stories about going through probate, an often slow process of distributing and/or resolving an estate. It is those stories that make Transfer on Death or...

Thursday, February 25, 2021

It used to be that if you locked your house and your car and kept an eye on your wallet, your assets were safe and secure. The internet has changed everything. In 2019, U.S. consumers lost $1.9 billion to fraud, scams, and identity...

Saturday, February 13, 2021

One of the indicators that we are doing our jobs well is through recognition by our peers…people in the same industry who are doing similar work. Based on that definition of success and outstanding effort, One Financial Services...

Monday, February 8, 2021

The CAREs Act and IRA RMD holiday was a 2020 event, therefore making a mention of that and the rules governing 2021 will be different. As we begin to prepare our 2020 tax returns, it’s reassuring to know our government...

Sunday, January 10, 2021

At One Financial Services, we believe it is never too early to start planning for retirement. The longer your money can grow and accumulate, the easier it is to weather the ups and downs of the economy and take advantage of compound...

Wednesday, December 23, 2020

As the holiday season of 2020 brings this unprecedented year to a close, we at One Financial Services are grateful to be able to make the world a little brighter for others. In keeping with our tradition of giving back to the community...

Sunday, December 13, 2020

When it comes to important decisions in your life, “shoot from the hip” and “gut instinct” may work in the movies, but for the rest of us, strategy, planning, and consistency are usually the best and safest ways...

Monday, November 30, 2020

On this Day of National Giving, known as “Giving Tuesday”, it would be hard to think of a year, in recent history, where the spirit of kindness, generosity, and concern for others was more evident or important than this...

Sunday, November 15, 2020

When we ask our clients, “Where do you keep your original will and estate planning documents?”, much of the time we hear, “I think our attorney has the original”. Where your original will is kept is a very...

Tuesday, November 3, 2020

When asked how he was running the country, a U.S. President famously answered, “I’m the decider”. When it comes to how you’re handling your federal tax obligation, you are the decider, and November is the time...

Sunday, July 26, 2020

WE EXPECT INTEREST rates to remain at historically low levels, but the direction may be higher over the rest of 2020. Our year-end base-case forecast for the 10-year US Treaury yield is 1–1.5%, which would be the lowest level to...

Thursday, June 4, 2020

During these trying times, it is important for each of us to let others know that what they are feeling is not unique. The reality is that we truly are "all in this together". Just as we were seeing a light at the end of the COVID-19...

Wednesday, May 27, 2020

Life as we know it has changed dramatically during 2020. As the coronavirus spread across the United States, cities and states issued shelter-in-place orders to slow the spread of the coronavirus and prevent healthcare facilities from...

Friday, April 24, 2020

Most of our clients are old enough and/or have been with us long enough to have experienced at least one previous crisis, the most recent until now being the financial collapse of 2008. During those difficult times we were able to...

Tuesday, April 21, 2020

Understanding family attitudes towards money may improve financial decisions and reduce financial stress. Understanding family attitudes towards money may improve financial decisions and reduce financial stress. People inherit more...

Saturday, April 18, 2020

If you have ever been flattened by a rogue wave while fishing or sunbathing on the shore, you probably recognize the emotional responses that have accompanied the pandemic wave crashing across the United States – shock, anxiety, and...

Friday, March 6, 2020

In late February, concern that efforts to contain Coronavirus Disease 2019 (a.k.a. COVID-19) might result in slower global economic growth disrupted global markets. Share prices fell as economists and financial analysts revised growth...

Thursday, February 27, 2020

There was a little something for everyone in the ‘Setting Every Community Up for Retirement Enhancement’ (SECURE) Act, a piece of bipartisan legislation that was attached to the United States federal spending bill and signed into law...

Thursday, January 30, 2020

The best place to retire in the United States is in dispute. There’s no formal debate, but a review of reliable publications showed surveys have named different states and cities as the “best” place to retire. For instance: • Iowa was...

Wednesday, January 1, 2020

Not everyone is financially prepared for retirement. Earlier this year, the Employee Benefit Research Institute estimated almost 41 percent of American households will run short of money in retirement. That’s an improvement over 2014...

Friday, December 6, 2019

After the Thanksgiving turkey has been eaten, the Black Friday bargains have been found, and the Cyber Monday gadgets are wrapped and under the tree, it’s time for Giving Tuesday…a day set aside for charitable thoughts...

Monday, December 2, 2019

You’ve probably never asked your adult children and younger relatives whether they have security software on their computers and devices. Why would you? They’re digital natives, born with keyboards under their fingertips.It may be time...

Thursday, October 31, 2019

One of the most discussed topics in the United States is retirement security. Few Americans have set aside enough savings to live comfortably throughout retirement. In fact, the most recent National Retirement Risk Index (NRRI)*...

Monday, September 30, 2019

The simple answer is probably.Historically, the American economy has grown in fits and starts, otherwise known as recessions and expansions. As a result, it is likely there will be another recession in the United States.What are...

Tuesday, September 3, 2019

Would you give up a share of $62 billion?Would you give up a share of $62 billion?If your answer is no, then you may be a member of the relatively small group of Americans (36 percent) that takes all of the vacation days available to...

Tuesday, July 30, 2019

The world is becoming smarter and more connected all the time – and that has serious implications for people who want to protect their personal data and their privacy. If you’ve been enjoying the convenience of smart utilities and...

Thursday, June 27, 2019

Life, Liberty, and Tax-Advantaged Investing Americans are passionate about taxes. We have reason to be. In recent years, Americans have spent more on taxes than on food, clothing, and housing combined.1 The Tax Foundation estimates...

Thursday, May 30, 2019

Throughout history people have made inheritance choices that are inexplicable to others. In 1926, Harry Houdini left his magical equipment to his brother, his pulled-from-the-hat rabbits to the children of friends, and a series of...

Monday, April 29, 2019

Where do you set aside the money you’re saving for retirement? If you’re like many Americans, you save for retirement primarily through an employer’s retirement plan, according to Pew Research.1Unfortunately, less than one-half of...

Thursday, March 28, 2019

It’s no secret healthcare costs are going up. Medical expenses have been steadily increasing for years. In 2007, costs were up almost 12 percent. However, the rate of increase slowed to 6 percent during the past five years and that...

Wednesday, February 27, 2019

How many password-protected accounts do you have?If you keep mental inventory, use a password manager, or have a written record of your passwords (which is not recommended by anyone), take a quick count. You’re likely to find you may...

Tuesday, January 29, 2019

Whether you own a house or rent an apartment, building a smart home is easier than it has ever been. Homeowners and renters can purchase kits that integrate specific smart items or they can select smart home products, such as light...

Monday, January 7, 2019

It’s only January, but you may want to jumpstart your 2018 taxes since there are a slew of new regulations that may affect you. The Tax Cut and Jobs Act (TCJA) of 2017 goes into effect this year so make sure you understand how tax...

Friday, November 30, 2018

When the ups and downs of stock markets leave you stressed and wondering whether stocks really will help you pursue your long-term financial goals, there are two things to remember:1. Historically, over long periods, stocks have tended...

Monday, November 5, 2018

You wouldn’t trust your health to someone who isn’t an MD, so why would you trust your financial future to someone who isn’t a CFP®? The designation Medical Doctor assures you that person is qualified to diagnose,...

Wednesday, August 29, 2018

How long will you live? How long will you live? It’s not a question anyone can answer with any certainty, and that creates a significant risk when planning for retirement. Your retirement may last for a long time, and you will need to...

Thursday, June 28, 2018

To the relief of many South Africans, Day Zero has been pushed back to 2019. Day Zero is the date on which Cape Town will run out of water, and its four million residents will begin to collect daily water rations of about seven gallons...

Sunday, June 24, 2018

Summer is the time of sun, fun, and relaxation that is unless you live in a hurricane zone. If you do, you likely know about the dreaded “cone of uncertainty used by weather forecasters to predict the likely path of a storm. The...

Tuesday, June 12, 2018

If your chosen career were test pilot or high-wire performer you would be someone who is not adverse to risk. However when it comes to your retirement, “risk” requires a new perspective, where success means balancing your...

Wednesday, June 6, 2018

The words ‘bear market’ have been bandied about a lot lately. When you read or hear them, remember to respond the same way you would if you saw an actual bear in the woods – by staying calm and keeping your wits about you. A changing...

Tuesday, June 5, 2018

Memorial Day reminds us of the sacrifices that have been made to keep us safe and provide the freedom we all enjoy. It is a time to honor our military and thank them for their service. It is also the traditional start to summer: School...

Wednesday, March 28, 2018

“There’s no place like home.”1Conjuring an image of ‘home’ was a lot easier for Dorothy than it is for people who are on the cusp of retirement. After all, isn’t retirement supposed to be a new start? Aren’t retirees supposed to wave...

Tuesday, February 27, 2018

Here’s a number most people would like to see on an annual statement: 21.6 percent. That was the annual return for the Standard & Poor (S&P) 500 Index during 2017. In general, U.S. stock indices did quite well last year – and the year...

Tuesday, January 30, 2018

Here’s a riddle for you: Some people are reluctant to start me, unless I’m automatic. I’m frequently exhausted when I don’t roll over. I’m sometimes left behind. Retirees devour me. What am I? Answer: A retirement savings plan.New jobs...

Thursday, December 28, 2017

The last bear market in bonds began in the middle of the last century and lasted for about 31 years. Some investors who bought bonds in 1950 locked in relatively low rates of return for a very long time. On January 1, 1950, 10-year U.S...

Wednesday, December 27, 2017

You wouldn’t get your eyes examined by a foot doctor or your car repaired by the pizza delivery person, so why would you trust your last Will and Testament to anyone other than financial professionals and an estate planning...

Tuesday, December 12, 2017

As the end of the year approaches our calendars fill up with shopping, parties and generally making merry. But you may not feel merry on April 15 of next year. Why? Because you need to find time in that busy schedule to evaluate your...

Wednesday, November 29, 2017

There is a simple and unsettling reality in the United States. Most Americans are not financially prepared for retirement. There is a simple and unsettling reality in the United States. Most Americans are not financially prepared for...

Tuesday, November 21, 2017

It’s no secret that women are the primary US consumers, making most purchasing decisions for themselves and their families, from grocery stores to doctor’s offices to auto dealerships, women choose where and with whom to...

Tuesday, November 7, 2017

There’s an old expression often used by parents to make a point to children, but it’s applicable at any age, “Show me who your friends are and I’ll show you who you are”. We tend to choose our friends...

Monday, October 30, 2017

Retirement and Social Security are inextricably linked. Not only did Social Security help establish the official U.S. retirement age at 65, it also provides a significant portion of today’s retirees’ incomes. Retirement and Social...

Monday, October 23, 2017

When it comes time to prepare for retirement, veterans and their families have many resources available to them. Those resources include pensions, a civilian income, Social Security (or possible disability income), VA healthcare and...

Wednesday, October 18, 2017

Although you may be cautious with how you share your personal information online, you are still vulnerable to hackers. It is estimated that over 25 million Gmail and Yahoo accounts are being sold online. Many of these accounts were...

Monday, October 9, 2017

You buy your dream house in a great neighborhood. You work hard; you raise kids you’re proud of. You get them through college and start thinking about retirement. You know you should have been thinking about it sooner, but there...

Tuesday, September 26, 2017

If you’ve ever been to a self-improvement class or leadership training seminar you may have heard the story about the oxygen mask that drops down from the ceiling when an airplane is having a problem. The speaker will tell you...

Tuesday, September 12, 2017

Being a single woman, whether widowed, divorced, or never married, makes planning for retirement not only a reason for good money management, it makes retirement planning important for your health and happiness. How far will your...

Wednesday, August 30, 2017

In a 2002 interview with Mike Wallace, former First Lady Nancy Reagan said she often reread the love letters written by her husband, former President Ronald Reagan. The letters, which had sustained and enriched their relationship,...

Friday, July 28, 2017

While some may be concerned about the iconic American meat that arrives in a rectangular 12-ounce tin (and is inexplicably popular in certain island states and American territories), more should be wary of its namesake – the spam that...

Tuesday, July 18, 2017

On July 13th, One Financial Services, gave back to the community by donating both their time, much needed baby items and money to Mary’s Shelter Cay Gallon located in Bethlehem, PA. Per their website, May’s Shelter provides...

Thursday, June 29, 2017

The bull market in U.S. stocks has been charging ahead for more than eight years.1 While that’s young in people years, it’s ancient in bull market terms. Since World War II, the longest bull market in U.S. stocks lasted for almost...

Saturday, June 17, 2017

Emilio “Jack” Morrone lives with his wife and two of his kids in a house on a little hill in Pennsylvania’s Lehigh Valley. A shiny scale model of an antique locomotive sits on the gently sloping lawn, a salute to the...

Tuesday, May 30, 2017

Wouldn’t it be something if you could plump up your retirement savings as easily as you can put on a few pounds eating fast food? Here’s one way to do it: Open a health savings account (HSA). It offers a triple tax advantage and you...

Thursday, April 27, 2017

We are all, inexorably, marching toward old age. By 2030, 72 million Americans will be age 65 or older.1 The good news is longevity has been improving, and people are remaining healthy and vibrant at older ages. The bad news is...

Thursday, March 30, 2017

It’s tax season! Every year, around this time, the Internal Revenue Service (IRS) publishes its dirty dozen – a list of scams criminals use to try and ferret out personal information and/or steal money.1 For example, if you received an...

Monday, February 27, 2017

More than one-half of working Americans know little or nothing about Medicare costs.1 Not knowing can be expensive. On average, people who haven’t yet retired estimate they’ll spend approximately $50,000 on health care after retirement...

Monday, January 30, 2017

How many times did you login to a digital account today? It probably was more than once. Some people access digital sites via computer or tablet, but many others rely on their phones. Deloitte recently reported the essentials of life...

Thursday, December 29, 2016

Retirement IncomeHere’s a million dollar question: How will you transform your savings into income that will last throughout your retirement?1There are probably as many answers to that question as there are retirees. However, all...

Tuesday, November 29, 2016

For about 35 years, investors have enjoyed a bull market in bonds. At the start of 1982, the interest rate on 10-year U.S. Treasury bonds was 14.2 percent. By November 1, 2016, interest rates had fallen to 1.8 percent.1 Since bond...

Friday, October 28, 2016

In the 1970s, a TV episode of The Odd Couple taught viewers never to assume.1 It’s a lesson we appear to have forgotten. Many Americans assume Medicare will provide financial assistance to help with long-term care costs in retirement....

Thursday, September 29, 2016

If you ask people what creates stress in their lives, money is often at the top of the list. Stress in America: Paying With Our Health found money was a somewhat or a very significant source of stress in the lives of 64 percent of...

Tuesday, August 30, 2016

You may not have heard of the Longevity Market but, if you’re older than 50, you’re one of its 74.9 million members.1 It may be easiest to think of the Longevity Market as another way of describing the Baby Boom and preceding...

Thursday, July 28, 2016

Most investors are familiar with the maxim ‘buy low and sell high.’ The unfortunate reality is that it’s a difficult principle to follow. Buying low often means investing in a company when its shares are priced below full value.Of...

Wednesday, June 29, 2016

You may be asking yourself whether that’s a trick question. After all, almost one-third of 18- to 34-year-olds are still living at home with their parents. It is, in fact, the most common living arrangement for this age group and a...

Tuesday, May 31, 2016

In medieval times, alchemists sought methods for transforming ordinary metals into gold. Today, just about every adult searches for a means of transforming savings into a retirement’s worth of income. Recently, they received help from...

Friday, May 13, 2016

This is Part 3 of a three-part installment from a talk given by Jack Morrone, Principal and Co-Founder of One Financial Services, promoting two of several non-profits prominent in his life. This is a story in three parts… First...

Thursday, March 31, 2016

College students have steep learning curves. In high school, they were tasked with doing well academically, participating in extracurricular activities, complying with the rules of their parents’ homes and, possibly, having a job...

Friday, March 11, 2016

Charity, Community Support One Financial Services held a clothing drive collecting gently used women’s business clothing and accessories in their office on Tuesday, March 8th in honor of International Women’s Day. The...

Monday, March 7, 2016

Fundraising Those of us who can enjoy watching the same movie time after time, (I’m talking to the point that we can recite the actor’s lines and delivery in tandem with the movie itself) should enjoy the following. One of...

Friday, February 26, 2016

It’s almost tax time. During April, many people take advantage of the opportunity to reduce taxes by funding a Traditional IRA. While that makes sense for some Americans, others may benefit by contributing to a Roth IRA that...

Friday, January 29, 2016

The world’s first central bank offered unprecedented convenience. It gave 17th century Swedes the option to pay with paper notes rather than 40-pound copper plates, which were the currency units of the Swedish empire at the time....

Thursday, January 21, 2016

Technology, Money Management, Apps From your bank, to trendy restaurants, and even Major League Baseball parks, everybody has a handy smartphone loaded with apps that provide useful information and services. The latest statistics show...

Wednesday, December 30, 2015

The beginning of a New Year presents the perfect opportunity to start fresh and get organized! Although it may seem like an intimidating task, clearing out the clutter will actually help reduce stress. Disorganization puts on an...

Monday, October 26, 2015

You may have heard of tax loss harvesting. Some people harvest losses every year, while others do so only when they have taken significant capital gains or have received more income than expected during a given year (perhaps they sold...

Monday, October 26, 2015

You may have heard of tax loss harvesting. Some people harvest losses every year, while others do so only when they have taken significant capital gains or have received more income than expected during a given year (perhaps they sold...

Monday, October 5, 2015

Twenty-five years ago, the Americans with Disabilities Act was signed into law, guaranteeing disabled Americans – people with mental, physical, or emotional disabilities – equal opportunity in employment, transportation, government...

Wednesday, August 19, 2015

Healthcare. Retirement. Those may be two of the most stressful words in the English language today. Especially when you include them both in the same sentence. For instance, a married couple that saves $326,000 has a 90 percent chance...

Friday, August 7, 2015

How Do You Make Money in Stocks?Have you ever watched Family Feud? Perhaps you were a child when Richard Dawson hosted the game show or maybe you enjoy the current version. No matter, take a moment and:• Name a three-letter word that...

Wednesday, June 17, 2015

While your high school student is taking standardized tests, parsing college choices, and raring for graduation, you’ll probably find yourself spending some time with net income calculators on college websites. Whether your family’s...

Tuesday, May 26, 2015

This is Part 2 of a three-part installment from a talk given by Jack Morrone, Principal and Co-Founder of One Financial Services, promoting two of several non-profits prominent in his life. This is a story in three parts… First...

Thursday, May 14, 2015

This is Part I of a three-part installment from a talk given by Jack Morrone, Principal and Co-Founder of One Financial Services, promoting two of several non-profits prominent in his life. I’m going to tell you a story in three...

Monday, April 27, 2015

It all depends on you. Thanks to the Baby Boom generation, pre-retirees and retirees have a lot more options than did previous generations of Americans. There is a lot to consider before you decide where to live during retirement: your...