There Are No Facts About the Future

There Are No Facts About the Future

Investments

 

Fact: The S&P 500 has experienced 54 record highs in 2021.

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3M Retiree Medical Accounts

3M Retiree Medical Accounts

3M

How to plan (and pay!) for health insurance in retirement is often one of the first questions we get when a 3M client is considering retirement.  Fortunately, 3M provides a benefit to employees which helps...

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3M's Non-Qualified Plans

3M's Non-Qualified Plans

3M

Eligibility for 3M Deferred Compensation Plans

The purpose of both of 3M’s non-qualified1 deferred compensation plans - VIP Excess and Deferred Compensation Excess - is to provide savings opportunities for...

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Leveraging the 3M General Employee Stock Purchase Plan to Boost Your Savings Strategy

Leveraging the 3M General Employee Stock Purchase Plan to Boost Your Savings Strategy

3M

Compensation. It’s top of mind for many job candidates seeking a new opportunity. Additionally, as a career progresses, compensation, among other factors, can be a key element to employee retention. In either...

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HSA Funds: To Spend or Not to Spend (a.k.a. Invest)

HSA Funds: To Spend or Not to Spend (a.k.a. Invest)

Personal Finance Investments

In my early teens, I went on a community service trip in Ecuador. Each night, we gathered in a circle and reflected on our day, a famous quote, philosophical question, etc.

One night, we were asked, “Is it...

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A Breath of Fresh Air in Current Markets

A Breath of Fresh Air in Current Markets

Investments

After the Great Financial Crisis (GFC) of 2008 and 2009 much was written about how troubling it was that diversification1 no longer worked. This conclusion was drawn since all stocks moved in the same downward...

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7 Questions 3M Employees Need to Answer

For over 20 years, we’ve helped 3M professionals achieve their financial goals.

We start by helping them answer these key questions.
Get the Answers
Keeping Inflation in Perspective

Keeping Inflation in Perspective

Investments

We hear a lot of questions about inflation lately. It’s understandable. It’s nearly impossible to avoid seeing or hearing mention of it in financial, business, or even popular media these days. Unfortunately,...

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Financial Planning for Young 3M Professionals

Financial Planning for Young 3M Professionals

3M

As an early career 3M professional, you have entered the world of personal finance and all the accompanying aspects—income, budgeting, savings, insurance, estate, etc.

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The Importance of Beneficiary Designations

The Importance of Beneficiary Designations

Personal Finance

You are starting a new job and it’s time to enroll in the company 401(k) plan.  As you fill out the forms, you come to the section for entering beneficiaries.  It is day one or two in your new role and you’re...

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One Thing After Another

One Thing After Another

Investments Audio/Video

Do you remember what the widely publicized financial market concern was before the COVID-19 pandemic began? Neither did I until I looked it up.  It was the “Inverted Yield Curve”.  I’ll spare you all the mundane...

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An Introduction to Pre-Tax vs. Roth Savings

An Introduction to Pre-Tax vs. Roth Savings

Personal Finance Investments

In 1997, as part of the Taxpayer Relief Act, Delaware senator, William Roth, helped establish the Roth account. In the <25 years since its creation, it has become widespread.

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It’s Been a Year

It’s Been a Year

Investments

It's been a year.

As in the figurative sense of, “Wow, it’s been quite a year!”

And, in the literal sense, it has been 365 days* since stock prices reached bottom.  A year since stock prices fell low enough that...

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