Laredo Morning Times – Business Journal

“Why should I pay a financial advisor?” It’s a question many people ask themselves, especially today, when financial information is available everywhere online. If investment apps, podcasts, and internet advice are free, why pay for professional financial guidance? The reality is that working with a financial advisor is about far more than simply managing investments.…

Why Does Graduation Matter to Parents' Finances? Graduation season is one of the most emotionally charged times of the year for families. But beneath the caps, gowns, and celebrations, something happens financially that often goes unexamined: for parents who have been paying college tuition, a recurring expense is about to disappear. The average annual cost…

Why Is This Conversation So Important Right Now? The U.S. is in the middle of a sustained demographic shift. More than 61 million adults are aged 65 and older as of 2025, and that number is projected to reach approximately 82 million by 2050. Every day until 2030, roughly 10,000 Baby Boomers will turn 65.1,2…

Social Security has been a fact of retirement life ever since it was established in 1935. We all think we know how it works, but how much do you really know? Here are nine things that might surprise you. 1. SSA.gov, 20252. Investopedia.com, May 15, 20243. SSA.gov, 20254. SSA.gov, 20255. SSA.gov, 20256. EBRI.org, 20257. SSA.gov,…

If you are a parent of a teen or young adult, one of the most meaningful questions you can ask is: how do you help them make confident financial decisions before the stakes are high? Financial literacy is often thought of as a subject to be taught through books, apps, or formal education. In practice,…

This blog contains general information that may not be suitable for everyone. The information contained herein should not be construed as personalized investment advice. There is no guarantee that the views and opinions expressed in this blog will come to pass. Investing in the stock market involves gains and losses and may not be suitable…

Key Takeaways February is an interesting month in the financial calendar. The holiday excitement has faded, credit card bills from December have arrived, and tax season is in full swing. For some people, this is when the emotional weight of money can feel the heaviest. Here is what is less often discussed: 43 percent of…

Even though it is already February, many people have not reviewed their retirement contribution settings for the new year. As a result, their 401(k) or IRA contributions may still be based on last year’s limits, even though contribution limits increased for 2026. Taking a few minutes to review these numbers can help ensure your savings…

If you are 50+, do you know how your catch-up contributions are changing? At Cresta Advisors, Fee-Only Financial Advisors in Laredo TX, we help individuals and business owners understand how changes like these affect their 401(k) strategy, Financial planning, and long-term retirement goals. For those 50+ or managing employer retirement plans, reviewing Roth provisions, employer matching, and catch-up contributions…