Client Centric Advisors

Client Centric Advisors is a full-service Wall Street Caliber Financial Services firm with a hometown feel. We believe that everyone should receive the same high-level investment performance and service but without the high fees or large account minimums.

Securities and investment advisory services offered through Voya Financial Advisors, Inc. (member SIPC) Federal and state insurance and securities rules and regulations prohibit registered representative(s) and/or investment adviser representative(s) from soliciting, offering and selling any insurance or securities products or providing investment advice until they are properly registered and licensed in each state jurisdiction. The registered representative(s) and/or investment adviser representative(s) listed on this website are licensed and registered in the following states: We are licensed to sell Insurance Products in: AL, FL, TX, PA, OH, and NE. We are registered to sell Securities in: AL, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HA, ID, IL, IN, IA, KS, KY, LA, ME, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, VT, VI, VA, WA, WV,WI, and WY. Client Centric Advisors is not a subsidiary of nor controlled by Voya Financial Advisors

bloomberg.com

Having Kids Is Terrible for Women’s Earning Power

Is motherhood the reason for the gender pay gap? Bloomberg says yes: https://tinyurl.com/y5sx87gh

bloomberg.com Bloomberg’s The Pay Check returns for an in-depth look at how motherhood explains so much of the $28 trillion global gender-pay gap

forbes.com

5 Trends Women Business Owners Need To Know Right Now

Forbes identifies 5 new trends relevant to women business owners @ https://tinyurl.com/y57qxe5o

forbes.com We all need to keep up with market shifts and industry changes to stay out in front of our competition. We need to know what really matters today and act on it. There are five trends women business owners should embrace ASAP to stay current and keep winning the day.

time.com

Just 10 Minutes of Exercise a Week May Be Enough to Extend Your Life, Study Says

A new study suggests just 10 minutes of exercise a week could extend your life. More @ http://time.com/5553504/exercise-to-live-longer

time.com But more is better

forbes.com

Why Older Millennials Need To Start Taking Life Insurance Seriously

As Forbes recognizes, life insurance needs to become a priority for older millennials: https://tinyurl.com/yy4zytby

forbes.com Millennials are getting older, and need to start thinking about life insurance and estate planning. New FinTechs are looking to attract these users with tech-based solutions.

bizjournals.com

Women dream big about work and money - Bizwomen

Are more women reaching their financial goals than men? A new study suggests so, reports the Business Journals: https://tinyurl.com/y2cwsx9e

bizjournals.com An @seniorlivingorg survey reveals women's long-term goals and dreams.

forbes.com

What Business Owners Need To Know About ESG Investing

What is ESG investing? What do small business owners need to know about it? Find out @ Forbes: https://tinyurl.com/y4epta87

forbes.com Disregard for ESG matters affects not just natural resources, economic security and insurance premiums, but ultimately companies’ bottom lines.

kiplinger.com

Retirees, Get Tech Savvy for the Grandkids

Are you fairly tech-savvy? Kiplinger.com explains the value of developing digital connections with grandkids: https://tinyurl.com/yyfdnzzp

kiplinger.com Communicating through new tech tools is a lot more fun than the obligatory phone calls of yore.

finance.yahoo.com

Moving to One of These Cities Can Save Retirees at Least $10K

Could you save $10K in retirement by moving to certain cities? Yahoo! Finance reports on a study that says yes: https://tinyurl.com/y87cgz4w

finance.yahoo.com See where the cost of living is well below the national average.

travelandleisure.com

The Best Trips to Take in Your 50s

What are the best vacations you can take in your fifties? Travel + Leisure has some ideas for you @ http://tinyurl.com/y3awpod6

travelandleisure.com Baby Boomers will take four to five trips a year, about half to “relax and rejuvenate” and half to “get away from everyday life.” When visiting international destinations, they want to interact and tour with locals, dine on authentic foods, and enjoy cultural experiences. There are many ways...

nbcnews.com

Women are diagnosed years later than men for same diseases, Danish study finds

Are women being diagnosed for diseases years later than men? NBC News reports on a new study raising questions. https://tinyurl.com/y6cmsb6s

nbcnews.com The study of 6.9 million people found that the same conditions were recognized in men when they were about four years younger than the age at which women were diagnosed.

forbes.com

Major Milestone: Digital Ad Spending Will Pass Non-Digital This Year

As Forbes reports, digital ad spending is forecast to surpass print ad spending this year: https://tinyurl.com/yyl55j68

forbes.com In 2019, advertisers will allocate more dollars to digital than traditional advertising like TV and newspapers, a first. Amazon is one of many digital companies that will benefit.

cnbc.com

Women must keep finding ways to avoid the 'money FOG'

A CNBC article says women must cut through the money FOG. What does that mean? Click here: http://tinyurl.com/yxj6wrja

cnbc.com Money "FOG" — fear, obligation, guilt — blocks healthy views on money. It slows the progress needed to grow, keep and distribute wealth key for supporting the life a woman desires for herself as well as for those whom she loves and supports.

forbes.com

What Business Owners Need To Know About Digital Marketing

Forbes covers what small business owners need to know about digital marketing: https://tinyurl.com/yywvq4xj

forbes.com Digital marketing is no longer the wild west.

nbcnews.com

Protein shakes don't count: Why older adults should eat real food

Aging well also means eating right. NBC News notes why protein-rich foods matter for seniors: https://tinyurl.com/yauj88e8

nbcnews.com Older adults need to eat more protein-rich foods when they’re trying sick or to lose weight, experts recommend.

ftw.usatoday.com

What is 'backstopping' in golf and why is it creating a huge controversy?

USA TODAY looks at the backstopping controversy in pro golf. Should this cagey move be outlawed? https://tinyurl.com/y6b9wdce

ftw.usatoday.com Players are taking advantage of a golf rules loophole.

nextavenue.org

The Problems With Do-It-Yourself Online Wills

Do-it-yourself wills can lead to estate planning problems. NextAvenue notes why @ https://www.nextavenue.org/do-it-yourself-online-wills

nextavenue.org These documents could save money, but can lay estate planning traps

fool.com

3 Reasons Women Need to Plan Carefully for Social Security -- The Motley Fool

The Motley Fool notes why women want to carefully consider when to claim Social Security: http://tinyurl.com/y6nap2bk

fool.com Millions of seniors depend on Social Security -- but women might be especially reliant on those benefits.

forbes.com

Add These Gadgets To Your Kitchen To Make Health Cooking Fun And Easy

Forbes has an article on some fun kitchen gadgets designed to make healthy cooking easy: https://tinyurl.com/y7vkw34x

forbes.com 77% of Americans report preferring a home cooked meal to a restaurant, so why not make that home cooking easier and healthier with the help of some tech?

forbes.com

6 Reasons Why You Should Have An Estate Plan

Forbes presents 6 good reasons to have an estate plan: http://tinyurl.com/y2wqovpl

forbes.com While you may think that only the ultra-wealthy need an estate plan, anyone—regardless of age, marital status or net worth—can benefit from having a plan in place if the unexpected happens. Here are six reasons why you should have an estate plan at any stage of life.

usatoday.com

More older women are returning to work, rebuilding savings and a professional identity

USA TODAY reports that more women over 50 are working, and looks at the reasons why and the challenges: https://tinyurl.com/y6jsgzyp

usatoday.com The best job market in half a century has been a boon for older women going back to work, typically after raising kids for nearly 20 years

Timeline Photos

fool.com

8 IRS Tax Penalties to Avoid in 2019 -- The Motley Fool

The Motley Fool identifies 8 federal tax penalties to avoid this year @ https://tinyurl.com/y8398ze5

fool.com Don't get snared by these hefty extra taxes from the IRS.

forbes.com

Buying Term Life Insurance Buys Peace of Mind

Why do so many young families buy term life insurance? This Forbes post notes the reasons: https://tinyurl.com/yahel36q

forbes.com Every family with children should have life insurance, but it's often overlooked because people think it costs too much. Here are all the reasons it's worth buying even if you end up living to a ripe old age.

hbr.org

Your Company Needs a Better Retention Plan for Working Parents

A Harvard Business Review article notes why more companies need to recognize the needs of working parents: https://tinyurl.com/y7ogd8zb

hbr.org If your policies don’t accommodate their needs, they’ll go elsewhere.

usatoday.com

Don't dismiss life insurance as too pricey. Here's how to pick a plan

Life insurance is often cheaper than most people think, especially term life. Read this USA TODAY article: https://tinyurl.com/y3fmr8cq

usatoday.com Knowing how companies price life insurance is key. Rates boil down to age, health, type and term, desired payout, gender and lifestyle.

golfdigest.com

Study shows modern golf swing causing more back injuries to players, and at younger ages - Golf Digest

Does the modern golf swing invite back problems? Golf Digest considers that possibility @ https://tinyurl.com/yc4etbz9

golfdigest.com According to a new study, Tiger Woods' back injuries—and injuries of other modern golfers—are caused by this elementary notion.

espn.com

Golf's new rules, what they mean and how they change the game

ESPN looks at how the new golf rules are changing the game: https://tinyurl.com/y2fnqw5a

espn.com The rules of golf have changed, causing some confusion that likely won't go away anytime soon. So here's a helpful guide to understanding it all.

fool.com

What Types of Insurance Do You Need? -- The Motley Fool

What types of insurance do you need? This Motley Fool lists 9 crucial kinds of coverage @ http://tinyurl.com/y3mw4q55

fool.com There are all kinds of insurance to protect you from bumps in the road. But what kinds of policies should you absolutely have?

fastcompany.com

How parents talk about money differently to their sons and daughters

Do parents talk about money differently to their sons and daughters? Fast Company makes that assertion: https://tinyurl.com/y99udmlp

fastcompany.com Girls are taught to save their money, while boys are taught how to build their wealth.

fool.com

3 Financial Mistakes People Make When They Retire -- The Motley Fool

The Motley Fool pinpoints 3 financial tendencies to avoid in early retirement: https://tinyurl.com/ycf9wl62

fool.com Retirement is not without financial risk -- and most of the setbacks people face when they retire are self-inflicted.

money.usnews.com

Why Some Retirees Go Back to School at 65

U.S. News looks at the merits of taking low-cost college classes in retirement @: https://tinyurl.com/ydeo5cdg

money.usnews.com Taking classes keeps your mind sharp, helps you network and may even be free.

forbes.com

These Are The Most Common Travel Insurance Mistakes

A Forbes article notes the most common travel insurance claim mistakes: https://tinyurl.com/yb4chsaf

forbes.com It's peak season for travel insurance claims, a time of year when vacationers are sending their reimbursement requests for their year-end holiday getaways. If you're one of the unlucky travelers who are about to file a claim, be careful to not make one of several common travel insurance mistakes.

fool.com

Your Guide to Working While on Social Security -- The Motley Fool

Planning to work while you receive monthly Social Security payments? Be sure to read this Motley Fool article: https://tinyurl.com/y83dptg3

fool.com Many people remain employed while claiming Social Security. Here's how to avoid those pesky benefit reductions.

fool.com

What Is a SEP IRA -- The Motley Fool

A SEP IRA may be the simplest retirement plan you can create for your business. The Motley Fool explains why: https://tinyurl.com/y5awvryn

fool.com SEP IRAs are about as simple as employer-sponsored retirement plans get.

forbes.com

What To Do After You've Purchased A Life Insurance Policy

What are the next steps after you buy a life insurance policy? Read this Forbes article: https://tinyurl.com/yazu6xmb

forbes.com Many factors go into purchasing a life insurance policy that suits your needs. And, like any part of your overall financial plan, your insurance program doesn’t end once you’ve decided on a policy and purchased it.

health.usnews.com

Getting the Diabetes Care You Need on a High-Deductible Plan

U.S. News looks at managing diabetes when you are enrolled in a high-deductible health plan: https://tinyurl.com/yav8umhb

health.usnews.com Significant upfront costs may impact one’s ability to manage the chronic condition.

forbes.com

What To Do After You've Purchased A Life Insurance Policy

After you buy a life insurance policy, some decisions follow. This Forbes post offers some insight. https://tinyurl.com/yazu6xmb

forbes.com Many factors go into purchasing a life insurance policy that suits your needs. And, like any part of your overall financial plan, your insurance program doesn’t end once you’ve decided on a policy and purchased it.

cnbc.com

Scams cheat older Americans out of almost $3 billion a year. Here's what to watch for

This CNBC article identifies the top 10 scams that cheat seniors out of their savings. Be vigilant. https://tinyurl.com/y5t8gz6f

cnbc.com Seniors lose an estimated $2.9 billion annually due to financial exploitation, according to the United States Senate Special Committee on Aging.

cbsnews.com

Here's the trickiest IRA tax trap retirees need to avoid

CBS Moneywatch points out a tricky IRA tax trap retirees need to avoid: http://tinyurl.com/y7xhfqkc

The rules for annual required minimum distributions can hit you with investment losses if you aren't careful

usatoday.com

Drivers in these states could see the biggest discount on car insurance if they switched

USA TODAY identifies the states where switching auto insurance could save you the most @ http://tinyurl.com/y4lplewc

usatoday.com You really can save hundreds of dollars by switching your car insurance. How much you can save depends on where you live, according to a new study.

fool.com

Want to Retire Early? Handle These 3 Hurdles First -- The Motley Fool

Do you want to retire early? If you do, read this Motley Fool piece which notes 3 key issues to keep in mind. https://tinyurl.com/yconmjuv

fool.com It's critical to address these issues before you leave work for good.

theladders.com

How long will my retirement savings last? Understanding the 4% rule

Ladders gives you a quick look at the 4% rule for retirement income. Is it still valid? https://tinyurl.com/y5ft6bo7

theladders.com If you stick to a pre-determined withdrawal amount, it can provide a level of confidence that your portfolio will support you at least 30 years.

Timeline Photos

golf.com

Here's a simple formula that will help improve your practice sessions - Golf

Golf presents a simple formula to improve your driving range sessions: https://tinyurl.com/y6cqzgb8

golf.com Struggling to take your game from the range to the course? An easy formula can fix that problem.

npr.org

Exercise Wins: Fit Seniors Can Have Hearts That Look 30 Years Younger

Want to feel younger and stronger? Lifelong exercise seems to sustain heart and muscle health, NPR reports: https://tinyurl.com/yc3zflnv

npr.org Why develop an exercise habit now? Because 75-year-olds who've been doing it for decades may have the cardiovascular systems of people in their 40s and the muscles of 20-somethings, researchers found.

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