ROTH IRA OR 401(K): WHAT’S THE DIFFERENCE AND IS IT FOR ME?
Learn about the benefits of having a ROTH IRA or 401(k), how they work, and if it’s the right option for you.
New Year, New Plan – Get Organized
Join host Matt Schartow and wealth management advisor Logan Shanks for 10 tips and tricks to review with your financial advisor as you start a new year.
Can I afford to buy a house?
Buying a house today can feel next to impossible. Hear from our lending experts on tips and tricks to buy a house you can afford.
Borrow or bust open the piggy bank?
Whether you’re buying a car, improving your home, or paying for college, join us for tips on determining when to finance and when to tap into your savings for those big-ticket purchases.
Consolidating Your Financial Life
Managing multiple financial accounts and obligations can be overwhelming in our fast-paced and interconnected world. Consolidating your financial life is a proactive step toward simplifying and organizing your finances. Join host Jennifer Louie and Alerus financial advisor Logan Shanks as they explore the benefits of consolidating accounts and provide practical tips to help you streamline…
Managing Your Legacy
Creating a solid financial legacy is not just about accumulating wealth during your lifetime, it also involves careful planning to ensure your assets are managed and distributed according to your wishes. Join host John Jill Larson and attorney Scott Ruhsam of Kennedy & Ruhsam Law Offices, P.A. to explore essential considerations to help you leave…
Understanding the Benefits of your HSA/FSA
Healthcare expenses can put a strain on your finances, making it crucial to explore cost-saving options. Health savings accounts (HSAs) and flexible spending accounts (FSAs) are two popular healthcare savings accounts that offer tax advantages and help manage medical expenses. Learn more about their similarities, differences, and key considerations with host Jennifer Louie and Alerus…
Understanding Investment Fees
Investment fees play a vital role in determining the overall performance and profitability of your investments. Understanding these fees can help you make informed decisions about where to invest your money.
How to Stay Ahead of Fraudsters
Safeguarding information in the digital world is a joint effort. Make sure you’re doing your part to protect yourself or your business from fraud. Join host John Cionci and Alerus IT security manager Roger Schmitz to learn more about recognizing fraud trends and techniques, understanding your vulnerabilities, and how to leverage technology to keep your…
Are you recession ready?
Experiencing recession can be daunting but having a plan in place can help mitigate the effects. Join host Doug Busken and senior investment analyst Karl Arnquist as they talk about how to manage your personal and professional affairs during a recession.
Rising Interest Rates – What Does That Mean?
Want to know more about how rising interest rates affect investments? Join host Jessica Jackson and Alerus financial advisor Bret Kinzler to learn how changing interest rates can influence how you invest.
Preparing for Retirement
Whether you’re nearing retirement or just starting to plan, being prepared is key to success.
Do I need a financial plan?
Join host Doug Busken and Alerus financial advisor Mark Anderson for a discussion on what you get, what you need, and what to expect.
Tax advantages of retirement plans
Join host Doug Busken and guest speaker Jeff Lester from Eide Bailly to discuss Roth options and how to reduce tax liability in retirement planning.
Juggling multiple financial goals
Life can become busy and complex when you have competing financial priorities. Join host Matt Schartow and Alerus financial guide LeeAnn Staffne for a discussion on how to make a plan to tackle your multiple financial goals.
Everybody’s Talking: Crypto, SRIs, and Sector Funds
There is always a new financial topic being discussed in the media. Join host Matt Schartow, portfolio manager Travis Hook, and manager of investment analysis Bryan Grimm to demystify some of the recent headline topics such as SRIs, NFC, and Cryptocurrency.
All the Accounts: Health Savings, Flexible Spending, and Health Reimbursement
There are many options to help you save money outside of a retirement account, especially when it comes to health and welfare. What makes the best sense for you and your family? Join host Matt Schartow and financial guide Chris Moen to better understand your options.
The FIRE Movement and other roads to early retirement
There’s a lot of talk about the FIRE (Financial Independence, Retire Early) Movement. Join host Matt Schartow and wealth management advisor Logan Shanks while they share tips and tricks to making financial decisions now that could help you retire early.
Saving for Families: College Funds, Spousal IRAs, and Custodial Accounts
Make saving a family affair. Join host Matt Schartow and financial advisor Mark Anderson for a discussion on how to help your family members save for future events.
In Case of Emergency: Making a Plan for Your Finances
How do you prepare both your family and your finances for unplanned emergencies? Join host Matt Schartow and Alerus financial advisor Paul Dadlez as they discuss planning for the unexpected.
Paycheck contribution after retirement
You’ve picked a retirement date…now what? Join host Matt Schartow and Alerus financial advisor Dexter Albrecht as we discuss helping you determine how to best plan for paycheck continuation after retirement.
Partners and Money: Communication, Your Goals and Paying the Bills
As a follow-up to our March session (Financial Fitness for the Family), join host Matt Schartow and Alerus financial advisor Paul Dadlez while they discuss how to have an open conversation about finances with your partner. This webinar will cover strategies regarding combined accounts vs. separate accounts, and open dialog about shared financial goals.
Financial Fitness for the Family
Financial wellness is a family discussion. Join host Matt Schartow and Alerus financial guide Kari Vien in discussing how to best have open dialog with your family about budgeting, saving, and spending.
How does the stock market work? I own what?
Curious about the stock market? Join host Matt Schartow and Alerus financial guide Erik Fabian and learn how to translate stock market lingo to add value in helping review your financial portfolio.
Establishing credit, credit scores, and reports
Credit scores impact various aspects of your financial life. Join host Matt Schartow and Alerus financial guide Chad Turner as they discuss how to decipher credit scores, build and/or repair credit, and how this information impacts your financial choices.
Year-end financial planning checklist
The end of the calendar year is a great time to review your finances and see if you are on track for your financial goals. Join host Matt Schartow and Alerus wealth management advisor Logan Shanks as they discuss end of the year personal financial planning.
Making the most of your charitable giving
Many people find giving to charity a fulfilling part of their financial life, but it sometimes it gets lost in the shuffle when dealing with all our regular expenses. Join host Matt Schartow and Alerus financial advisor Paul Dadlez as they discuss the benefits of working charitable giving into your budget.
Managing Health Insurance Before Age 65
If you’re planning on retiring early, you’ll want a plan for health insurance. Join host Matt Schartow and Alerus financial advisor Dexter Albrecht as they discuss insuring yourself once you’re not on an employer’s plan.
Understanding Health Savings Accounts
A Health Savings Account (HSA) can help you fund future health care costs. Join host Matt Schartow and special guest Chris Moen as they discuss the benefits and drawbacks of funding an HSA account while working.
How to Continue Your Paycheck into Retirement
Retiring from your day to day job doesn’t mean you have to stop receiving a monthly check. With the right planning, you can still receive deposits into your bank account every month. Join host Matt Schartow and special guest Stanton Shields to discuss ways in which you can make this happen.
Optimizing Social Security
Social security was not designed to be your sole income in retirement, but that doesn’t mean it’s not an important component of your retirement income stream. Join host Matt Schartow and special guest Bret Kinzler as they discuss ways to optimize your social security benefits.
Things to Consider Before Taking Out a Loan
Low interest rates in 2021 have many wondering if now is the right time to take out a loan. It’s important to take other factors besides interest rate into consideration before you take the dive. Join host Matt Schartow and senior financial guide Kari Vien as they discuss what to consider before you take out…
Estate Planning for the “Average Joe”
It is well known that the topic of money can divide many families. But when estate planning is approached thoughtfully and with inclusive intent, it can actually help bring families closer together. Join host Matt Schartow and senior trust and fiduciary manager Dan Statsick as they discuss estate planning and what you need to know…
Investing Beyond Your Retirement Plan
With today’s technology, it is easier than ever to start investing outside of your retirement plan. Join host Matt Schartow and an Alerus financial guide as they discuss some options and important things to look for when investing extra funds.
Understanding Investment Types
Mutual funds are the most common type of investment in employer sponsored retirement plans, but there are many types to choose from. Join host Anne Guerriero and financial guide Lorene Fott as they explore the different investment types you might encounter and how they work.
Tips for Creating an Emergency Fund
Did you know that over 50 percent of Americans can’t come up with $500 for in a moment’s notice? No one knows when emergencies will happen, but they usually take up time and money. Without an emergency fund, you might be forced to pay unexpected expenses with money that was intended for something else and…
Understanding and Managing Debt
Debt isn’t necessarily a bad thing, but too much of the wrong kind of debt can keep us from our financial goals. Join host Matt Schartow and an Alerus financial guide as they discuss different types of debt and the best ways to pay them off.
Contributing to Your Retirement Plan
Wondering how much you should be saving for retirement at different stages in your life? There’s no exact science. Join host Matt Schartow as he talks with Alerus Wealth Management Advisor Logan Shanks for tips on saving for retirement from your 20s through your 50s.
Bank and Retirement Accounts: What’s the Difference?
The differences between bank and retirement accounts with regard to investing.
Adjusting to Market Uncertainty in your 50s
Explores the differences between stock market performance and the performance of the economy with a perspective on past market performance.
Market Concerns: 5 Years or Less Until Retirement
Market concerns for individuals that have five years or less before retirement. Includes commentary on where to seek advice on the best actions to take regarding your retirement investments.
Evaluating Your Risk Tolerance
Helps those savings for retirement to understand risk tolerance and how to measure theirs. Information on how risk tolerance impacts investment choices and managing concerns about market ups and downs.
Mastering Financial Wellness with MY ALERUS
Whether you’re just entering the workforce, saving for your child’s college education, or preparing for retirement, managing your financial wellness is important at every stage in life. Alerus financial experts are here to help you with specific tips and tools to get you on the right track.
Investing 101: Understanding Risk Tolerance
Investing can be an important part of building your long-term financial strategy, but it’s also important to choose investments that are right for you. In November’s webinar, we discuss finding the investments that are right for your age, time until retirement, and financial situation.