The Mortgage Preapproval Process: What You Need to Know

You’re ready to start looking for a new home, but how much can you afford to spend? Setting a realistic budget is a key first step in homebuying, which is where the mortgage preapproval process can help.

What Is a Mortgage Preapproval?

During the preapproval process, we review your financial picture, including your income, credit score, assets, and debt. While some institutions use the terms preapproval and prequalification interchangeably, they are not quite the same.

The preapproval process is more in depth and provides you with a more accurate understanding of what you can afford. Prequalification takes less time because it doesn’t verify your income, but it may lead you to believe you can afford more than is realistic, resulting in disappointment down the road when you actually apply for a mortgage.

For mortgage preapproval, we’ll need items like your current:

  • Tax returns and/or W2s
  • Social security number
  • Pay stubs
  • Employment history

We’ll do a credit check and review your financial history and debt-to-income (DTI) ratio to determine the amount you are likely to be approved for when you apply for a mortgage.

Once we have all your information, it typically takes about three business days for us to complete prequalification. It’s important to know that the prequalification is only good for a certain amount of time, typically 30 to 90 days, so once you have it, you’ll want to start your home search promptly.

Receiving mortgage preapproval is not a guarantee you’ll get a mortgage in that amount. The preapproval process is the same as the approval process, but when you find a home and apply for a mortgage, there are additional steps required to evaluate the property you’re seeking to purchase—such as an appraisal, title search, and, typically, a home inspection—before you receive final approval.

What Are the Benefits of Mortgage Preapproval?

Completing the mortgage preapproval process before beginning your homebuying journey sets you up for the best possible outcome: finding your dream home at a price you can afford.

For one thing, it lets you focus on homes that are realistic for your budget. If you start home shopping with no sense of your price point, you may fall in love with a home you can’t afford, which can be hard to forget when comparing other homes. Alternatively, you may believe you can’t afford options that are within your reach.

Preapproval also expedites the process because it shows realtors and sellers you are a serious buyer. In fact, many realtors won’t show homes to people who don’t have a preapproval letter. If you decide to make an offer, it also lets them know you are likely to be approved for the mortgage.

Getting the preapproval also puts you ahead of the game when you apply for a mortgage because the bulk of the work is already complete. This means you get to the closing—and into your new home—that much faster.

How We Help

Our mortgage loan officers will work with you every step of the way, from the mortgage preapproval process through choosing the right mortgage option, getting approved, and completing the closing, so you know exactly what is needed and what to expect.

We offer a variety of options to make home ownership a reality for borrowers at all income levels. This includes down payment assistance, closing cost incentives, and 100% financing. Apply for prequalification online today or connect with one of our loan officers. We’re ready to get you on the road to home ownership!

Put Your Business in the Fast Lane with ZEscrow and ZRent

When you partner with us for your business banking needs, we’re in your corner to help your business operate smarter and grow faster. That’s why we offer an experienced Commercial Services Team and comprehensive services, including our new services: ZEscrow and ZRent.

Both of these services automate tasks you do every day, allowing you to work more efficiently and focus your time on high-value activities. These third-party services are also cost effective because our commercial clients are eligible to use them free of charge with their accounts at Cornerstone Bank.

ZEscrow

ZEscrow eliminates the headache of escrow and subaccounting in one elegant digital system that allows you to easily handle security deposits and escrow funds smoothly and securely.

This modern, convenient web platform keeps you effortlessly organized because it’s:

  • Fast. It takes only 30 seconds to open, fund, manage, or close escrow accounts; 60 seconds to gather and store W-9s online with DocuSign integration; and just two button clicks to access detailed reports and historical statements. You’ll also appreciate precise, customizable interest calculation and splitting.
  • Efficient. You and your designated team members can monitor and manage your escrow and subaccounts 100% online, 24/7. No more faxing signed forms or calls to check balances or make changes. You can also create 1–1000+ digital folders to match your internal filing system.
  • Flexible. The platform excels at unusual and complex workflows—such as 1031 exchanges, escrow and any sub accounting needs.

ZRent

ZRent makes it simple for you to self-manage your rent collection process using an online portal. You can easily invite your tenants to set up their payments on the portal and even accept combined payments for rent-splitting scenarios.

Our easy-to-use online portal saves you time because it’s:

  • Fast. It takes only 30 seconds to set up new tenants and prompt them to set up a recurring payment.
  • Efficient. You’ll appreciate features like rent-splitting capabilities for multiple payers, payment forecasting, descriptive transactions, and monthly reporting.
  • Convenient. You can access your dashboard 24/7, including detailed reporting. Your renters will love the free, easy online access, ability to set up and track automated payments, rent-splitting options, and bank account privacy.

Zip Through the Minutia

We are proud to bring the time-saving benefits of ZEscrow and ZRent to our business banking customers. Reach out to our Commercial Services Team to learn more today.

Financial Resolutions: Get SMART for Success

If you’ve made financial resolutions in the past and didn’t keep them, you’re not alone. According to a Forbes Health/OnePoll conducted in October, the percentage of people resolving to improve their finances in 2024 is second only to those who want to improve their fitness. Unfortunately, the poll also showed the average resolution is abandoned less than four months in.

Reasons Financial Resolutions Fail

There are many reasons people don’t keep their resolutions generally, and financial ones specifically. Most of the obstacles to success are inherent in the resolution itself.

For example:

  • The resolution is too vague. A goal to “improve your financial situation” is very broad, so you have no way to measure if you are making progress.
  • The goal is unrealistic. If you set a goal to save $10,000 for a new vehicle this year, but you only have enough in your budget to save $300 a month, you have failed before you start.
  • You don’t have a plan. Most goals can seem daunting on their own, but having a plan that breaks it down step-by-step makes it achievable.

Set SMART Financial Goals

This technique has been used in business for years, and it applies well to goals in general. SMART stands for Specific, Measurable, Attainable, Relevant, and Time Bound. Here’s how it works.

Specific

State exactly what you will achieve and how. If your goal is to grow an emergency fund, determine how much you want to have in the account by the end of the year, and how you will reach it.

I will start an emergency fund and grow it to cover three months of living expenses by transferring a portion of each of my biweekly paychecks into the fund.

Measurable

Quantifying your goal lets your track your progress and know when you have succeeded.

I will start an emergency fund and grow it to $3,250 by transferring $125 from each of my biweekly paychecks into the fund.

Attainable

You must be realistic about what is possible, so some research may be needed. In this example, if you look at your monthly income and expenses and realize that transferring $250 per month into your emergency fund will mean you can’t cover your essential expenses, you may have to scale the goal back (or find a way to reduce your fixed expenses). Also, maybe you know you’re likely to forget to make two monthly transfers and fall behind, so you decide to set up an auto-transfer and let us do it for you.

I will start an emergency fund and grow it to $2,700 by scheduling an auto-transfer of $100 from each of my biweekly paychecks into the fund, and by adding $100 from my tax refund.

Relevant

This answers the “why” behind your goal, which provides motivation. It’s the reason you made the resolution in the first place.

I will start an emergency fund and grow it to $2,700 by scheduling an auto-transfer of $100 from each of my biweekly paychecks into the fund, and by adding $100 from my tax refund. This will allow me to continue to meet expenses for three months if I am laid off, giving me time to find another job.

Time-Bound

Giving a deadline for your goal holds you accountable, provides ongoing motivation to stick with it, and lets you know when you have succeeded and can celebrate.

I will start an emergency fund and grow it to $2,700 by December 31, 2024, by scheduling an auto-transfer of $100 from each of my biweekly paychecks into the fund, and by adding $100 from my tax refund. This will allow me to continue to meet expenses for three months if I am laid off, giving me time to find another job.

Most resolutions last a year, which gives you a chance to celebrate your success and reevaluate the goal, if necessary, for the next year. So, if your overall goal is to ultimately grow your emergency fund to $10,000, you may revise and reuse the same resolution for several years in a row, adjusting as needed based on your current circumstances.

Your Partner in Success

When it comes to achieving your financial resolutions, we’ve got the expert advice, products, and services you need to succeed. Whether you want a new car or a new home, or are planning for college or retirement, count on our team to help you achieve your goals. Stop by or call to schedule an appointment at any of our branches to learn more.


How to Choose a Checking Account That’s Right for You

When it comes to checking accounts, there is no “one size fits all.” Depending on where you are in your financial journey, and how you prefer to bank, you’ll want to choose a checking account that’s right (or as we like to say, RITE) for you.

Here are the types of things you’ll want to consider when reviewing your options.

Benefits

Our RITE Extra Checking account has a low $6 monthly maintenance service charge, but it comes with a robust menu of benefits like Early Pay and Unlimited ATM surcharge reimbursements, as well as access to Cornerstone Plus, which gives you buyer’s protection and extended warranty1,2, ID theft aid1,2, roadside assistance, cell phone protection1,2, local discounts* and much more! You’ll also get access to our uChoose Rewards** program where you select the rewards that matter most to you.

All these benefits add up to a lot more than the service charge, saving you money and giving you added peace of mind. If you are able to maintain a daily minimum balance of $1,000, our RITE Premium account offers all same the benefits, but the monthly maintenance service charge of $8 is waived.

Banking Preferences

When you choose a checking account, consider how you plan to use it.

If you:

  • Prefer banking in person, having branches close to where you live or work is key.
  • Like to bank and pay bills online via a desktop or your mobile device, you’ll want to choose a bank that makes it easy to do so.
  • Regularly hit up an ATM, choose an account—like all our RITE Checking accounts—that offers unlimited ATM surcharge reimbursements.

Account Types

Some banks offer customized checking account options for certain circumstances. For example, our Basic Checking account is free for customers 18 and under and 65 and over***. While this option doesn’t offer all the benefits of our RITE Checking accounts, you can still earn uChoose Rewards** and take advantage of Early Pay.

We also offer RITE Student Checking, which is ideal for young adults3 beginning their journey to financial independence. It includes all the benefits and features of RITE Extra Checking, but with no monthly maintenance service charge for students up until age 264.

Other Considerations

Finally, take some time to evaluate the bank itself. Consider these questions:

Built on Trust

Our customer promise, Built on Trust, is not just a tagline, but also a corporate focus. We are proud of the longstanding relationships we have built with our customers and community, and we’re focused on offering the products and services that meet your needs. Please reach out if we can be of any assistance in choosing or opening a checking account that works for you.

*Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals.

**Participating retailers subject to change. Points become available in the month after they are earned and expire 1,096 days from the end of the month in which they are posted.

***Maintain a $100 minimum daily balance or enroll in direct deposits and we’ll waive the $7 monthly maintenance service charge. This account is free for customers 18 and under and 65 and over.

Subject to the terms and conditions detailed in the Guide to Benefits.

Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.

3Applicant must be an active student aged 16–25. Students at the age of 16 require a parent or guardian as a joint account owner.

4No monthly maintenance service charge until age 26; at the attainment of age 26 a $6 monthly maintenance service charge will be assessed.

Raising Your Credit Score Is Easier Than You Think

Despair of ever shaking less-than-desirable credit? Been turned down for a home or auto loan due to low scores? Here’s the good news: if your score is low, you are actually in a better position to raise it than someone with a high score.

We understand that raising your credit score may seem a daunting task, and we’re here to help—starting with some practical tips.

1. Enroll in Credit Score within online banking.

If you bank with us, you can enroll* in Credit Score within online and mobile banking! This free, powerful tool provides you with insights and tools to help you raise your credit score. With this tool you’ll get free credit monitoring, unlimited full credit report access, credit score simulator to explore the best ways to improve your credit, instant access to the factors impacting your credit score and detailed recommendations on how to improve it, information to demystify how your credit score is calculated, valuable tips to protect your credit worthiness, real-time credit monitoring alerts, and more.

2. Pay credit cards off strategically.

Make a spreadsheet and rank cards by highest to lowest interest rates and balances. Pay off the highest ones first while continuing to make payments as high as you can afford on the rest.

3. Ask for higher credit limits.

Your credit score reflects the percent of your limit that you have taken out, which is called your “credit utilization.” A good goal is to spend no more than 30% of your limit, but aim for lower. Negotiate higher credit limits—but absolutely do NOT use them. This strategy also works fast: as soon as your credit card balance reflects a lower percentage of your limit, it gets reported to the credit bureaus.

4. Set up automatic payments.

Use our Bill Pay feature to ensure the minimum amount (at least) is always paid, so you don’t incur penalties. The biggest ding to your credit score is a late payment; it stays on the record for seven years! At the same time, put a note on your calendar to make an additional payment at the right time of the month so you continue to pay down the principle.

5. Pay your credit card more than once a month.

Get paid twice a month? Set an automatic payment from your checking account for each time you get paid. Aligning credit card payments with bi-monthly pay periods is a great habit. You won’t see the money and it automatically triggers points towards a positive score.

6. Deal with collections accounts.

We’ve all overlooked a past due payment, especially for something small or atypical—think out-of-pocket medical expense or caught-on-camera toll violation. Make it a policy to clear up a past due bill before it goes to collections. If it already has, deal with it by phone or online and make sure you keep a digital copy of the payment receipt.

7. Get credit for rent or utilities.

If you pay rent, it’s likely your biggest payment—and you could be getting credit for it. Rent reporting services can be used to report your on-time payments to credit reports. And while rent payments are considered by VantageScores but not FICO 8, if a future creditor looks at your reports, your on-time rent payment records will be there. It helps to show consistent payment. Experian Boost is a free service where you link bank accounts to service, and it then scans for payments to streaming services, phone and utilities as well as rent payments.

While a low credit score may seem like a never-ending battle, it’s one you can win if you take it step by step. Contact us to learn more.

*Credit Score is available to customers who are enrolled in Cornerstone Bank online and mobile banking.

4 Essential Steps for Cybersecurity

October is Cybersecurity Awareness Month—the perfect time to review some basic steps we should all take to keep ourselves safer online. Scammers never rest, but vigilance and a little effort can help keep them away from your information, identity, and money. Here are 4 essential steps for cybersecurity.

Bulk Up Your Password Strength

Still using your dog’s name? Your kid’s birthday? It’s past time to up your game.

Scammers use software that can hack those simple passwords in the blink of an eye. The strongest passwords are random combinations of uppercase and lowercase letters, numbers, and symbols that differ for every website, app, and computer or network sign-in. Using the same password for multiple purposes may be easier on the memory, but it increases the damage done exponentially should that password become compromised. If you are concerned about keeping track of countless passwords, you might consider investing in a password manager. There are quite a few on the market, and they can be a great way to generate and keep track of multiple passwords for you.

Add a Layer of Protection with MFA

Before you think your master’s in fine arts will protect you, we need to explain that in this case MFA stands for multifactor authentication. Put simply, it means adding another step to the sign-in process. This way, if a password does become compromised, scammers run into another wall of protection before gaining access to your account. Typical MFA methods include receiving numeric codes by text or email, using an “authenticator app” (like Microsoft Authenticator), and biometrics like facial recognition and fingerprint identification.

MFA is available for most online accounts and apps. Check “account settings” or “settings & privacy,” or go to the website’s help or FAQ section to see how to turn it on.

Phishing: Don’t Bite

One way for scammers to avoid digital security is to go straight to the source of your personal information: YOU. “Phishing” is the term used for scams intended to get someone to inadvertently reveal personal information by opening a link or attachment provided. In some cases, taking this bait can even plant harmful software onto your device. Phishing can also come in the form of a good old-fashioned phone call.

The most common phishing scams come disguised as communication from trusted people or companies to lower our defenses and intimidate us into responding. For example, you may receive communication claiming to be from your bank, a credit card company, a social media company, or other supposedly trusted sources, often demanding an immediate response to avoid serious consequences.

The first thing to know is that no bank, credit card company, or any other reputable business will request personal information in such a message or call. If you receive a request in this way, it is most likely a scam, and you should delete the message (or hang up). If you’re not totally sure, reach out to the company using their published contact methods and ask a representative.

Watch out for shortened links or hyperlinked text, which may lead you somewhere very different from what they claim. Review the real destination address by hovering over the link—but do not click! Look closely at web addresses and check for any misspellings or typos (for example, facebo0k.com), or additional text before the domain suffix (such as facebook.security.com).

Don’t Ignore Those Software Updates

Installing the latest updates to your phone, computer, and apps can feel like an inconvenience, and it’s way too easy to put it off indefinitely. However, most updates contain vital security improvements that repair any weaknesses the company has identified in their security. It’s wise to make those updates just as soon as possible to best protect your personal information. And if you’re “too busy,” remember that most devices, software, and apps today typically have auto-update features that will install the latest versions in the background (that is, as you work) or at less disruptive times of day, like the middle of the night.

October is Cybersecurity Awareness Month, but hackers and scammers never rest. Stay vigilant, build some basic cybersecurity practices into your daily life, and remember we’re always here to help. Contact us today to learn more, or visit our Fraud and Security page for additional in-depth resources on staying cybersafe.

Pass Go: 5 Ways to Recognize Financial Awareness Day

We understand that not everyone is as passionate about financial literacy as we are, but since it’s so essential, we wanted to share five ways you can up your game on Financial Awareness Day (or any day)—all of which will leave you better off.

1. Organize Your Finances

Review your bank accounts, loans, and bills to make sure you know where you stand on each. Look for things like fraudulent charges, autopayments for services you no longer use, outstanding balances that need to be paid, and ways to save.

If you don’t have one, open a savings account or certificate of deposit to help your savings grow faster. Also, make sure your checking account is doing all it can for you. With Cornerstone Plus, your checking account becomes a cost-saving, life-simplifying, all-around digital hero.

2. Set Goals

Think about what you want to accomplish financially in the next year, over the next five years, and beyond. Whether that includes buying a car or home, paying for college, retiring, or traveling, we offer the expertise and services to help you get there.

3. Enhance Your Financial Literacy

The more you understand about finances, the better you’ll be at managing them. We support financial literacy with free courses and events for our customers and community. Explore our online courses offered in partnership with Banzai, or keep an eye out for the financial literacy programs we offer at local schools and organizations.

4. Create a Budget

Financial success requires discipline, and a budget can help you stay on track. Determine how much money you have coming in each month, then list all your expenses. Review your expenses to determine which are must-haves (such as housing, food, medications, fuel), and which are nice-to-haves (such as entertainment, subscriptions, dinners out). The goal is to have your monthly income cover your essentials and a few treats, while also saving enough to help you reach your financial goals.

5. Schedule Quarterly Reviews

There is no “set-it-and-forget-it” option for your financial plan, so put time on your schedule at least once a quarter to review your finances and budget and to progress toward your goals. Make adjustments as needed, based on changes in your circumstances or goals and the economy.

In Your Corner

Wherever you are on your financial journey, we have the tools, products, expert advice, and resources to help you take the next steps. Reach out or visit one of our branches to get started.

Certificates of Deposit 101: When and Why You Should Open a CD

In today's financial landscape, you need a secure and reliable way to grow your wealth. Cornerstone Bank understands the necessity for low-risk investment options with attractive returns, which is why we now offer an array of certificate of deposit (CD) options. In this blog, we guide you through “Certificates of Deposit 101,” to explain what a CD is, how it works, and how it can be a valuable addition to your investment portfolio.

What is a Certificate of Deposit?

A CD is a type of time deposit account that offers a fixed interest rate over a specified period, known as the term or maturity period. Unlike regular savings accounts, CDs have a fixed term, and funds deposited in a CD cannot be withdrawn before the maturity date without incurring penalties.

How Does It Work?

When you open a CD, you agree to keep your money deposited with the bank for a predetermined period, ranging from a few months to several years. During this period, your money earns interest at a fixed rate, which is typically higher than what you would receive from a regular savings account. The interest rate is determined at the time of purchase and remains unchanged throughout the CD's term, protecting you from fluctuations in the market.

What Are the Benefits?

CDs are perfect for savers who can keep their money deposited for set periods, thereby gaining the maximum return on their savings. The benefits include:

  • A Secure and Low-Risk Investment. Our CDs are considered low-risk investments because they are backed by a combination of the Federal Deposit Insurance Corporation (FDIC) and the Deposit Insurance Fund (DIF), making your principal investment protected.
  • Guaranteed Returns. With a CD, you know exactly how much interest you will earn over the term. This predictability allows for effective financial planning and ensures that your investment grows steadily.
  • Higher Interest Rates. CDs generally offer higher interest rates than regular savings accounts. The longer the term, the higher the interest rate tends to be. By choosing a longer-term CD, you can maximize your potential returns.
  • Diversification. Including CDs in your investment portfolio can provide diversification, reducing overall risk. By allocating some of your funds to CDs, you balance out riskier investments such as stocks and bonds.

Smart Money Management: 4 Tips for College

You've graduated from college and are ready to embark on your journey to financial independence. First of all—congratulations! As you transition from student to professional life, it's essential to establish good money-management habits. Here are 4 tips for college graduates as you navigate your new financial landscape.

1) Create a Budget

The first fundamental step toward effectively managing your finances is creating a budget. It allows you to gain control over your spending, prioritize your expenses, and save for future goals. The 50/30/20 rule is a popular strategy:

  • 50. Start by identifying your essential needs, such as rent, utilities, groceries, and transportation costs. Allocate 50% of your income to cover these expenses.
  • 30. Consider your wants, which include dining out, entertainment, and hobbies. Limit your spending to 30% of your income.
  • 20. Allocate 20% of your income toward long-term savings, such as an emergency fund, retirement savings, or paying off various loans.

You can adjust these percentages based on your financial situation, but make an effort not to skimp on savings. Check out our budget calculator to make this process easier!

2) Design a Student-Debt Plan

It’s time to address the elephant in the room: student loans. If you have loans, develop a strategy for managing and paying off your debt. Start by understanding the terms of your loans, including interest rates and repayment options. Create a repayment plan that aligns with your financial capabilities. Consider making extra payments whenever possible to reduce the overall interest paid and shorten the repayment period.

Check out our student loan calculator to explore what it would take to pay off your student loans early.

3) Build Your Credit Score

Your credit score affects your ability to obtain loans, rent an apartment, secure low-interest rates and (sometimes) even get a job. Building your credit score early will work in your favor when you're ready to make significant purchases like a car or a home. Open a credit card account and use it responsibly, which means paying off your balance in full each month.

4) Retirement Savings? It’s Never Too Early

Retirement may seem distant, but the years fly by. Use the time to your advantage. The power of compounding interest allows your savings to grow significantly over decades, so start contributing to a retirement account, such as a 401(k) or an Individual Retirement Account (IRA), as soon as possible.

If your employer offers a retirement savings plan, take advantage of any matching contributions they provide. Contribute enough to receive the maximum match to maximize the money available to you. Even if you can only afford to put in a small amount initially, you’ll establish the habit of saving and reap the rewards during retirement.

Ready to Help You Save

The choices you make today will significantly impact your financial future. No matter where you are in life, we can help you build a foundation for financial security. Contact us to learn how we can make banking, borrowing, and investing easy for you.

Four Tips to Teach Your Children to Save Responsibly

It’s never too early to teach your children the basics of financial literacy and the importance of saving responsibly. What better time to begin this essential education than National Teach Children to Save Day? As part of Financial Literacy Month, this is an opportunity to help your kids create a lifelong roadmap so they can achieve financial goals and build financial security. Here are four tips to get started.

1) Discuss Spending and Saving

Spending and saving are the most basic facets of money management. Your children need to recognize two simple facts: most items and experiences cost money and money is a limited resource.

When it comes to spending, start by teaching them about budgeting and tracking, which helps create positive lifelong habits. Explain that saving is a major factor in getting the items or experiences they want and show how creating (and sticking to) financial goals is key.

2) Set a Good Example

Your children are more likely to take your message to heart if they see you practicing what you preach. Let them notice you regularly putting funds into a jar or piggy bank, while making note of the money adding up. If you take them shopping, show your children differing prices to explain why buying one item makes more sense than another. Each time you receive a paycheck, reiterate the message that part of that money will be put away to prepare for the future. Your children look up to you; setting a good example with your savings will go a long way!

3) Open a Moola® Savings Account

Let children see that saving money doesn't have to be boring! Find creative ways to turn financial literacy into an exciting and engaging activity, such as opening a Moola® Savings Account.Specifically designed for children, we make the process of building savings fun and rewarding. Start your kids on a path of financial literacy and we’ll reward them with points they can redeem for cool prizes. This account will also help your child track every deposit, see the interest they earn, and keep track of their points, right in their passbook! Bring your child to any of our branches to get started.

4) Continue the Education

Once your children master the basics of financial literacy, continue to educate them using evolving techniques and lessons. Expand to other topics like the three-jar method,

which distributes their allowance into saving, spending, and giving groups. Or try the 50/30/20 rule, which divvies up after-tax income or allowance, into 50% needs, 30% wants and 20% long-term savings. No matter what approach you take, the idea is to keep the conversation going.

Ready to Help You Save

We can assist you and your children in building a foundation for financial security. We frequently provide financial literacy education presentations throughout Central Massachusetts. Contact us to set up a program in your community.

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