Northern Financial Services- Jonathan Bartholomew, AIF

Changing jobs is an important decision one many of us are making more often. Once you’ve decided to switch jobs, your next move is to determine what to do with the money in your former employer’s retirement plan. Visit our website to learn more about your options for handling the money in your old retirement account. Have more questions? I'd love to sit down with you to discuss what options might work best for you. https://www.northernfs.com//im-changing-jobs-what-should-/

Whether the child in your life is 13 years old, 10 months old, or due any day, it’s never too soon to start planning for future education expenses. Thinking about the costs involved in a child’s education can be overwhelming, but the earlier you begin saving, the longer your money can work for you. Making prudent investment decisions can also make a big difference. Learn more about your options on our website. Have more questions? I'd love to sit down with you to discu...ss what options might work best for you. https://www.northernfs.com//help-make-college-dreams-come/ See more

March is Credit Education Month. Understanding the value of your credit score is an important first step to improving your financial health. Anyone who has ever applied for a loan to purchase a car or house has encountered their credit score. This figure, which can be hard to understand, is a three-digit assessment of your creditworthiness that has the potential to impact your financial health. Below is some insight into credit scores and steps to take to improve it.... # What’s in the number? Your credit score most commonly used by lenders is FICO, a three-digit number from 300 to 850. It fluctuates continually, reflecting the interest rate of your credit cards, outstanding loans, and even a lack of credit. Aim for at least a score of 700, a good figure by many lending standards. Know your creditworthiness. Check your credit report periodically to make sure there are no errors and use it as a tool to ensure you’re staying within your established credit limits. You can request free copies of your Experian, Equifax, and TransUnion credit reports from https://www.Annualcreditreport.com/. (If you spot errors, report the discrepancies to the appropriate credit bureaus as they’re required to take reasonable steps to correct any errors.) Establish credit history. If you’re a first-time credit seeker applying for a credit card or loan you may have to establish your credit score, which you can do in several ways, including by getting a secured credit card or becoming an authorized user of someone else’s card. Improve your score. Not satisfied with your credit score and want to increase it? Take steps like paying your bills on time, decreasing the amount of debt you carry, and staying within your established credit limits. By taking control of your credit score, you are taking prudent steps to improve your overall financial health.

Life insurance can be a hard topic to discuss, but if someone depends on you financially, it's a topic you can't avoid. It can also be a lasting part of the legacy you leave behind. Send me a message or visit https://www.northernfs.com/personal-tailored-life-insurance/ to schedule your personalized complimentary consultation.

Check out this post to learn more about what happened with Game Stop and what it all means.

What's your plan if you become unable to work due to illness or injury? Disability insurance can help replace a portion of your paycheck until you can work again. Give us a call at 315.777.8966, or visit our website to schedule an appointment so we can discuss what options might work best for you. https://www.northernfs.com/

Planning for your financial future is a critical endeavor. There are key steps you can take to get on track with your financial plan: 1 Start young Invest and save early and often, as a small recurring investment over a long period of time has the potential to produce greater returns than investing a larger amount over a shorter period of time. ... 2 Plan for an emergency Expect unexpected expenses, such as those for a medical emergency, major car repair, and an appliance replacement, establishing an emergency fund that can pay for these costs. 3 Invest for retirement It’s never too early (or late) to begin investing in your future. Saving for your retirement is a personal decision that will help shape your lifestyle during your Golden Years. 4 Review your plan Establishing a financial plan is not a one-and-done proposition. Review your plan regularly and revise it as necessary to align with your financial circumstances and goals. 5 Seek help Reach out to us today to schedule a comprehensive assessment of your financial needs and goals!

It's important to revisit and assess your financial plan regularly to make sure it's still working for you. Check out these 9 financial planning steps to help start 2021 off right. Want to dive deeper? Visit www.northernfs.com to schedule a complimentary consultation today!

The impact of the pandemic includes 1 in 8 Americans planning to delay retirement according to a recent survey. Are your retirement plans on track? Give us a call if you have questions or need help planning for your family's future.

May 2021 be filled with good health, happiness and peace. Happy New Year!

Saving for retirement takes decades, and it's important to check on your progress every so often to make sure you're still on track. Don’t wait to start planning for your future. Schedule your complimentary consultation today by visiting https://www.northernfs.com/.

What are your financial goals? Do you want to build up an emergency fund, save for a new home, or increase your retirement savings? As a best practice, I recommend writing these goals down and making them measurable with specific dollar amounts and time frames for reaching them. At Northern Financial Services, I’ll work with you to identify your goals and build a plan that helps you pursue them. Schedule your complimentary consultation today by visiting https://www.northernfs.com/.

You need someone in your corner while managing life and planning for the future. With Northern Financial Services, you do. At Northern Financial Services, we take your goals, dreams, and challenges into account and work with you to build a plan that helps you and your family live your best financial life for years to come. Don’t wait to start planning your future. Schedule your complimentary consultation today by visiting https://www.northernfs.com/.

December is Identity Theft Prevention Month. Scammers, fraudsters, and other criminals are taking advantage of rapidly changing data and facts associated with COVID-19, both in the workplace and in our homes. Government agencies, including the Department of Justice, continue to warn individuals to be mindful of increased fraudulent activities during these uncertain times. To learn more, read the DOJ's article below. https://www.justice.gov/coronavirus/combattingfraud