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Welcome to the DFG Blog: Your Source for Financial Knowledge

We're excited to share informative and engaging content every week to help you on your financial journey.

Do you have questions about:

  • Retirement planning?
  • Investing strategies?
  • Life insurance options?
  • Social Security benefits?
  • Tax planning and estate planning?
  • 401(k)s and 529 college savings plans?
  • Understanding investment planning and the role of a wealth advisor?

Our blog is designed to:

  • Answer your questions about personal finance.
  • Spark new ideas and considerations for your financial future.
  • Provide a platform for you to engage with our wealth advisors at DFG.

Join the Conversation!

  • Share our posts: Spread the financial knowledge! Forward our articles to your family, friends, and colleagues.
  • Build your financial future: Use this blog as a tool to gain valuable knowledge and build your financial confidence.

Let's navigate the exciting world of finance together!

Sunday, May 19, 2024

I recently had the opportunity to attend Ed Slott's Elite IRA Advisor Group℠ conference in Indianapolis. It was another successful event, bringing together over 350 advisors nationwide for two days of intensive training. The...

Thursday, May 16, 2024

Estate and retirement planning are crucial for everyone but become even more so as we age. May is 'Older Americans Month,' and we want to celebrate the 55+ generations and remind you that DFG celebrates with you and is here for you.

Thursday, May 9, 2024

Moms are the cornerstones of our families, tireless nurturers who guide us through life's stages. But amidst the packed lunches and endless "Mom, can I...?" questions, it's easy for their financial security to fall by the wayside. This...

Thursday, May 2, 2024

Divorce can be complex, and there's much to consider, including finances. Did you know that even after a divorce, you might still be eligible for benefits based on your ex-spouse's Social Security record?

Thursday, April 25, 2024

Planning for retirement can feel overwhelming. You've heard horror stories about people struggling to make ends meet on Social Security alone. But is that the whole picture? Here's why the 'three-legged stool' approach is so important.

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Thursday, April 18, 2024

Remember, Social Security is designed to last your lifetime. Maximizing your monthly benefit will ensure a more secure financial future, especially if you live a long life.

Thursday, April 11, 2024

Avoiding Costly Mistakes: Claiming Social Security at the wrong time can lock you into a lower benefit for life. Education helps you avoid such irreversible mistakes. If you are married, knowing when to claim becomes much more complicated.

Thursday, April 4, 2024

You may have noticed that a few of our recent blogs emphasize working with a financial professional. I am not writing this blog solely to promote Dixon Financial Group but to open your minds to the benefits of having a financial advisor.

Thursday, March 28, 2024

Many people claim Social Security benefits as soon as they're eligible at age 62, even though financially, it often makes more sense to wait until later. To some, this is puzzling—after all, wouldn't you want the highest possible...

Thursday, March 21, 2024

The Dixon Financial Group, LLC advisors know why you need a financial advisor; do you? We have learned that readers need to fully understand the role of a financial advisor and the services one provides.  Start by asking yourself...

Thursday, March 14, 2024

Sir John Templeton once said, "The four most expensive words in investing are: ‘This time it’s different."1 And normally, I would agree. But it seems like the phrase, "This time it’s different," may actually apply to...

Thursday, March 7, 2024

The year is 2024, and election season is upon us. As the political landscape heats up, many investors wonder how the election will impact the stock market. While it's natural to feel some anxiety, history suggests that elections...

Thursday, February 29, 2024

The month of February, the LOVE month, may have some of you questioning whether or not you will find your soulmate. Soulmate? Yes, that one person who will be with you till the end, during the good & bad times and the ups and downs -...

Thursday, February 22, 2024

Valentine's Day has come and gone, but we still want to continue to talk about LOVE. Showing LOVE is not limited to one day a year; it is a daily act, and one act of LOVE is having life insurance. We all know life is unpredictable....

Wednesday, February 14, 2024

Valentine's Day could be filled with chocolate hearts and roses – but this Valentine's Day, let's spread the love that truly lasts. How? Opening our hearts to worthy charities can be amplified with a powerful tool called the...

Thursday, February 8, 2024

Ah, love💘. It's the intoxicating scent of roses🌹, the stolen glances across a crowded room, the butterflies fluttering in your stomach. But let's be honest, love also involves budgeting, spreadsheets, and the...

Thursday, February 1, 2024

Yes, Valentine's Day is upon us. While hearts and candy dominate the shelves, there's something far more romantic hidden in plain sight: financial planning. YES, I said it: Financial Planning!

Thursday, January 25, 2024

The new year is here, and a fresh wave of resolutions comes with it. For many, 2024 is the year to tackle the elephant in the room: retirement savings. Whether you're just starting or nearing the finish line, taking an honest inventory...

Thursday, January 18, 2024

Estate planning is often seen as a one-time thing you do and then forget about. But just like your physical home needs regular tidying and decluttering, your estate plan also needs occasional housekeeping to ensure it's still up-to-date...

Thursday, January 11, 2024

As the dust settles in 2023, it's time to turn our gaze to the year ahead. And what better way to kick off 2024 than by envisioning a future where your finances are lean, mean, and ready to tackle any challenge? That, my friends, is...

Thursday, January 4, 2024

New year, new you, right? We've all heard it, and while the sentiment is sweet, the execution can leave us feeling overwhelmed and deflated. Let's ditch the generic resolutions this year and focus on an integrated approach to a...

Thursday, December 28, 2023

How Boomers and Millennials Differ: We are in the midst of an unprecedented transfer of wealth, with trillions of dollars being moved from one generation to the next. This transfer challenges many commonly held notions as new values and...

Thursday, December 21, 2023

Investors believe their financial situation will improve due to a wide range of factors, including interest rates and home prices, to name a few. Investors who are optimistic about the future tend to be more comfortable making longer-term..

Thursday, December 14, 2023

News in 2023: In a rare display of bipartisanship, Congress averted a potential government shutdown just days before the deadline. Facing a November 17th cutoff for funding, lawmakers on both sides came together to pass a...

Thursday, December 7, 2023

The Internal Revenue Service recently released updated income tax brackets, standard deduction, and retirement contribution limits for the 2024 tax year. While these taxes are not due for some time, it may benefit you to start...

Thursday, November 30, 2023

As a wealth management, retirement, and financial planning firm, I understand the importance of accountability. Our firm is committed to providing our clients with the highest level of service and expertise, and accountability is essential.

Friday, November 24, 2023

Thanksgiving is a time for giving thanks for the many blessings in our lives. It's also a time to reflect on our goals and dreams for the future. At Dixon Financial Group, LLC, everyone deserves to have...

Thursday, November 23, 2023

As the aroma of roasted turkey and pumpkin pie fills the air and the warmth of family and friends surrounds us, we at Dixon Financial Group take a moment to express our deepest gratitude for the trust and partnership you have placed in...

Thursday, November 16, 2023

Are You Ready For a Raise? Great news for over 71 million Americans! Social Security and Supplemental Security Income (SSI) benefits will increase 3.2% in 2024, according to the Social Security Administration. Starting in...

Thursday, November 9, 2023

Just like the careful preparation that goes into a Thanksgiving feast, making sound financial decisions requires a blend of knowledge, experience, and, most importantly, impartiality. Dixon Financial Group understands the significance of...

Thursday, November 2, 2023

Thanksgiving is a time to reflect on everything we're grateful for. For many of us, our family, friends, and health are at the top of the list. But what about our financial well-being? Financial security is essential for...

Tuesday, October 31, 2023

Halloween is a time for fun and scares. Still, it's also important to know the cyber security threats lurking online. Cybercriminals know that people are more likely to be distracted and let their guard down during...

Thursday, October 26, 2023

Halloween is a time to scare and be scared with stories, costumes and all things creepy. But one real-life horror that everyone should avoid is PROBATE. Probate is the legal process of distributing the...

Thursday, October 19, 2023

Think about it. What could be more terrifying than running out of money or working longer than you planned in your golden years? Or even worse, having to rely on your family or friends for financial support? Did you save enough...

Thursday, October 12, 2023

Life insurance can provide a financial safety net for your loved ones in the event of your death. Your family can use death benefits to cover funeral expenses, outstanding debts, and living expenses, giving them the means to grieve and...

Thursday, October 5, 2023

You wouldn't want to get caught in the dark without a flashlight; the same goes for your finances. You do not want to get caught in an emergency and not have the funds needed. This is why it is essential to have an Emergency Fund.

Thursday, September 28, 2023

Retirement Plans for Small Business Owners: The BIG 3! As a small business owner, you have a lot on your plate. You're responsible for the day-to-day operations of your business, as well as the long-term success of your enterprise. One...

Thursday, September 21, 2023

SIMPLE IRAs, or Savings Incentive Match Plans for Employees IRAs, are a type of retirement savings plan designed for small businesses. With the guidance and knowledge of a Dixon Financial Group, LLC advisor, it is relatively simple to...

Thursday, September 14, 2023

Simplified Employee Pension (SEP) IRAs: A Great Retirement Savings Option for Small Business Owners. A Simplified Employee Pension (SEP) IRA is a retirement savings plan that allows small business owners to make tax-deductible...

Thursday, September 7, 2023

The Power of Implementing a 401(k) Plan: A Win-Win for Employers and Employees. In today's rapidly evolving job market, employers constantly seek ways to stand out and attract top-tier talent. While competitive salaries and enticing...

Thursday, August 31, 2023

Estate planning ensures that your assets are distributed according to your wishes after death. It can be a complex and daunting task, but it is vital to get it right. Our DFG LPL Financial advisors can help you implement an Estate Plan...

Thursday, August 24, 2023

Long-Term Care Insurance is another piece of the Estate Planning puzzle. Example: Clair worked for many years at one job. She had her retirement income, Social Security, and a small income from another source when she retired....

Thursday, August 17, 2023

Estate planning is the process of making decisions about your assets and how they will be distributed after your death. It is an essential process for everyone, regardless of age or financial status. One of the most important aspects...

Thursday, August 10, 2023

Estate planning is making arrangements for your assets and care in the event of your death or incapacity. It is an essential part of the planning process for everyone, regardless of age or wealth. There are three essential documents...

Thursday, August 3, 2023

No one wants to think about the possibility of an emergency, but it's essential to prepare. If something happens to you, your family must know how to access your financial information and make financial decisions. Having all...

Thursday, July 27, 2023

Long-term care insurance (LTCI) helps pay for long-term care services, such as nursing home care, assisted living, or home health care. LTCI can provide financial security and peace of mind if you need long-term care, as it can...

Thursday, July 20, 2023

Disability insurance is a type of insurance that provides income replacement if you become disabled and unable to work. It can be a valuable financial tool, as it can help you maintain your standard of living and pay your bills if you...

Thursday, July 13, 2023

Congratulations on buying a house! This is a significant accomplishment, and you should be proud. But as you celebrate, it's important to remember that life insurance is also essential to homeownership. Life insurance is necessary...

Thursday, July 6, 2023

The term "Live, Die, or Quit" is often used to describe the three possible outcomes of a life insurance policy. If you live, your beneficiaries will receive the death benefit when you die, or a policy can be used as a supplement...

Sunday, July 2, 2023

We wish you ALL a 'Happy 4th of July', and in observance of 'Independence Day,' our office will be CLOSED Tuesday, July 4th, 2023. To service your needs, we will be OPEN Monday, July 3rd, and return after the...

Thursday, June 29, 2023

As a self-employed individual, you are responsible for paying Social Security and Medicare taxes. This tax is known as self-employment tax, calculated on your net earnings from self-employment. The self-employment tax rate is 15.3%...

Thursday, June 22, 2023

The current student loan repayment landscape is complex and ever-changing. The COVID-19 pandemic has led to several changes to the student loan repayment process, including a temporary pause on payments and interest. However, these...

Friday, June 16, 2023

Happy Father's Day! Father's Day is a special day to celebrate the dads in our lives. Whether they're our biological fathers, step-fathers, or father figures, they all deserve a day to be honored for all they do. Here are some ideas for...

Thursday, June 15, 2023

Planning for retirement involves carefully considering various factors, and one crucial aspect to address is health insurance coverage. While working until at least age 65 provides the advantage of transitioning from employer insurance to..

Thursday, June 8, 2023

When researching colleges, you will find that college education costs are exceptionally high. If this concerns you, consider opening a 529 Plan for your child's or grandchild's education savings. This tax-advantaged savings plan offers a...

Thursday, June 1, 2023

This is the sixth and final blog in the Back to the Basics series. We have covered investing, the benefits of insurance, saving, budgeting, and debt management. Retirement planning is the last topic in this series. These...

Thursday, May 25, 2023

If you are aiming to buy a house, retire early, or send your children to college, investing can help you save up for those goals. If you are new to investing, it is a good idea to work with a CERTIFIED FINANCIAL PLANNER™ professional.

Tuesday, May 16, 2023

David S. Dixon, CFP®, LPL Financial Advisor of Dixon Financial Group, LLC completed his invite-only semiannual training with America’s IRA Experts at Ed Slott and Company, LLC by participating in a workshop that took place April 27-28.

Saturday, May 13, 2023

Happy Mother's Day!To all the mothers, grandmothers, and mother figures out there, we thank🥰💐 you for everything you do. You are the backbone of our families and communities, and we are so grateful for your...

Thursday, May 11, 2023

This is the fourth week of Back to the Basics. Saving was covered in last week's blog. Before that, we covered budgeting and debt management. Life insurance, investing, and retirement planning are the topics we still need to...

Thursday, May 4, 2023

Saving money is one of the most important things you can do to pursue financial confidence. By setting aside money each month, you can build up a cushion to help you cover unexpected expenses, work towards your financial goals, and have...

Thursday, April 27, 2023

Budgeting can take some time and effort, but it's worth it. If you stick to a budget, your financial goals, such as saving for a down payment on a house, having an emergency fund and funding your retirement, or your child's education...

Thursday, April 20, 2023

So, you have a budget, and your debt is now manageable; you have savings and life insurance; now what? It looks like it is time for retirement planning, and this is where Dixon Financial Group comes in.

Thursday, April 13, 2023

What is a CERTIFIED FINANCIAL PLANNER™ professional? David S. Dixon and Jacob S. Bierstedt are CERTIFIED FINANCIAL PLANNER™ professionals. They have undergone extensive training and certification to provide individuals with...

Thursday, April 6, 2023

The month of April is National Financial Literacy Month. The words "financial" or "finances" might make a few of you cringe, but having some working knowledge is beneficial. When working with a financial advisory firm, such as Dixon...

Thursday, March 30, 2023

Why do you need a financial advisor? Today’s financial landscape is as complicated as ever. A good financial advisor can help you navigate this complexity so that you can make educated, informed decisions on what is best for you...

Thursday, March 23, 2023

SECURE Act 2.0 may be less exciting of topics, but keeping you informed is part of our job. Some changes may apply to you now or later, so schedule a 2023 review of your accounts to ensure everything is in order. We are in this...

Thursday, March 16, 2023

Yes, Roths are the theme lately. The SECURE ACT 2.0 has brought even more attention to Roths; funding a Roth(s) has many advantages, and we want you to know them all. Again, Ed Slott and Company, LLC has provided more valuable...

Tuesday, March 14, 2023

Financial markets were shaken last week as Silicon Valley Bank (SVB), the California bank subsidiary of SVB Financial Group (SIVB), fell into FDIC receivership. SVB is the first FDIC-insured institution to fail since 2020 and the...

Thursday, March 9, 2023

What is a recharacterization? In the simplest of terms, a recharacterization is an “undo.” It treats an IRA contribution as if it were made as a Roth contribution and vice versa.

Wednesday, March 8, 2023

Women need a financial advisor as much as the next person, so don't let doubts stop you. DFG will work alongside you to develop and execute a plan. SS, divorce, investing, and retirement are all topics we can address; are you ready?

Thursday, March 2, 2023

Tax season is upon us. At tax time, you might be considering contributing to a retirement account. If you follow the rules, you may be interested in the Roth IRA, which can promise tax-free withdrawals in retirement.

Thursday, February 23, 2023

What Do Your Taxes Pay For?Taxes are one of the biggest budget items for most taxpayers, yet many have no idea what they’re getting for their money.The average household spends more on taxes than groceries, clothing, or...

Thursday, February 16, 2023

The three-legged stool analogy also applies to the trio of financial professionals that can help you plan for retirement. They are a financial planner, an estate planning attorney, and a tax professional. How much do you know about...

Thursday, February 9, 2023

What do gears have in common with taxes; I will explain. A pile of gears will not do you any good; when you connect them, they start working together.

Thursday, February 2, 2023

Here are a few Tax Season tips you can take advantage of if you are a current DFG client with an LPL account/s.

Thursday, January 26, 2023

Comprehensive Financial Planning is simply a better approach to getting trusted financial advice. Once you retire, you need an income flow; proper planning is the 🔑 to unlocking the 🚪to your retirement goals.

Thursday, January 19, 2023

Congress has spoken; read about what you need to know about the recent Secure Act 2.0 Required Minimum Distributions (RMD) and Qualified Charitable Distributions (QCD) updates.

Thursday, January 12, 2023

2022 was a year of ups and downs, especially for the markets. As we have entered 2023, you should consider several financial to-dos. With inflation running high in 2022, you likely spent more than expected on restaurants, groceries...

Thursday, January 5, 2023

The IRS has announced the retirement contribution limits for 2023. Because many of these limits are tied to inflation, it shouldn’t come as a surprise that some of the limits had a big jump.

Sunday, January 1, 2023

2023 is here. For many, the new year is a time of self-reflection and goal-setting. A new year is all about possibilities.

Thursday, December 29, 2022

A new year is around the corner. It is hard to believe that 2020 has come and gone, as well as 2021 and now 2022. Where did the time go? Many are happy to have these past couple of years behind them. What is your New Year's Resolutions?

Sunday, December 25, 2022

The staff and I would like to wish you and your loved ones a very Merry Christmas! May the tangible and intangible gifts of the season warm your heart, and may your family and friends make the celebration exceptionally warm and bright.

Thursday, December 22, 2022

The Markets have tested our patience, tolerance, values, AND blood pressure this year. What can we do to "stay cool" during these unsettling times? Reading this article may make more sense, let's say, than jumping into an icy river or...

Thursday, December 15, 2022

One of the best ways to evaluate progress toward pursuing your financial goals is with an annual review. Late December and the beginning of the new year are ideal times to conduct this appraisal. It shouldn’t be a time for regrets and...

Thursday, December 8, 2022

No one wants to look back and realize they regret doing something or not doing something. Have you ever made a wrong turn and encountered a large sign proclaiming "WRONG WAY - DO NOT ENTER?" I bet you instantly regretted making that turn.

Thursday, December 1, 2022

Inflation affects our daily lives negatively, high fuel prices being one of them. This article will answer questions and help put the current situation, inflation, in perspective.

Thursday, November 24, 2022

What Does Thanksgiving Mean To Me? Thanksgiving! What a word! I like that word. It means giving thanks for one's blessings, and I also like the word blessing; you can't conclude that there is anything negative about the word blessing....

Wednesday, November 23, 2022

As a young investor, you have a powerful ally on your side: TIME. When you start investing in your twenties or thirties for retirement, you can put it to work for you. The power of compounding. Many people underestimate it, so it is worth

Thursday, November 17, 2022

Nowadays, it could seem like you are racing to an imaginary finish line called "Retirement." During this race, you gather momentum by setting up retirement funds, like a 401(k), savings, investing in stocks, bonds, CDs, annuities, etc.

Thursday, November 10, 2022

What does history teach us about the effect Midterm Elections have on the stock market?Regardless of our political affiliation, we, as investors, are looking ahead to the coming midterm election and what impact the results might have...

Thursday, November 3, 2022

The holidays are here; Halloween just passed, Thanksgiving is around the corner, and Christmas is hot on our heels. We are all busy, and this time of year tends to take busy to a whole new level. For Halloween, there was candy to buy...

Thursday, October 27, 2022

It's Tax season, and you hope for a good harvest...refund. Once you have that refund in the barn, what will you do with it? Here is an idea, fund an IRA.

Thursday, October 13, 2022

Fall is here, and this is a great time to take stock of your investment strategy(s) and to gather information to prepare you for the year's end. It is time to harvest as much information as you can before the upcoming tax season.

Thursday, October 6, 2022

It is hard to believe that Fall and the pumpkin harvest have begun. The next thing you know, it will be tax season, and a different harvest will begin. As we approach the end of 2022, you will want to review your investment account(s...

Thursday, September 29, 2022

What are the rules for beneficiaries of IRA accounts? They can be complicated and confusing. The SECURE Act, officially enacted on Jan. 1, 2020, is the most significant retirement reform to impact the economy.

Wednesday, September 21, 2022

It is better to give than receive, but in this case, you get both. With a QCD, you are able to give and receive a tax break.

Thursday, September 15, 2022

Are you or a family member 72 or older and subject to required minimum distributions from a retirement account? What will happen if you fail to withdraw the required minimum?

Thursday, September 8, 2022

At 72, the IRS requires you to begin withdrawing money from your retirement accounts. These withdrawals are called required minimum distributions or RMDs.

Thursday, September 1, 2022

The topic of RMDs, Required Minimum Distributions, and QCDs, Qualified Charitable Distribution, are not ones that will get most people to stop what they are doing to tune in. Investors may think they have plenty of time, years maybe before

Friday, August 26, 2022

Stocks have compounded a desirable 9.5% annual growth rate since 1900. Though you cannot directly invest in the Dow or the S&P 500, the annual rate of return of 9.5% helps to focus your attention on the long-term.  

Wednesday, August 24, 2022

Dixon Financial Group, LLC is so excited to announce the relaunch of our website The DFG team has worked tirelessly to make this happen over the last several months.

Thursday, August 18, 2022

In today's market, everywhere we turn, being bombarded with negative news, either through social media, new outlets, coworkers, or friends, is inevitable. Your first reaction may be to sell off your investments to weather this storm.

Thursday, August 11, 2022

"A dividend is the distribution of a company's earnings to its shareholders and is determined by the company's board of directors. Dividends are often distributed quarterly and may be paid out as cash or in the form of reinvestment in...

Thursday, August 4, 2022

If we could all have it our way, every time we bought an investment, it would be at the lowest price, and when we finally sell, it would be at the highest price.

Sunday, July 31, 2022

How can I avoid making costly mistakes when I inherit an IRA from a person who was not my spouse? Inheriting an IRA can be a financial windfall, but it’s important to understand the complex, specific rules that apply to non-spouse...

Thursday, July 28, 2022

Can IRAs be used to benefit a charity? IRAs can be a great source of funds to provide a benefit for a favorite charity but using these funds can create several traps that must be avoided...

Thursday, July 21, 2022

When do multiple beneficiaries exist? Multiple beneficiaries exist when an individual names more than one beneficiary for their IRA.

Thursday, July 14, 2022

Who is a spouse beneficiary? A spouse beneficiary must be married to the account owner at the time of the account owner’s death, and he or she must be named on the beneficiary form (or inherit directly through the document default provision

Thursday, July 7, 2022

I read this story years ago and wanted to share it.  It is called The Pension Pickle*.

Thursday, June 30, 2022

No one likes losing income, but Americans lose Trillions by not claiming their Social Security at the optimal time. 

Tuesday, June 28, 2022

When is the ideal time to claim Social Security benefits? Do you have the whole picture?

Thursday, June 23, 2022

Is it possible to raise your future Social Security benefits?

Friday, June 17, 2022

Who will you be celebrating this Father's Day:  a dad, stepdad, mentor, older brother, grandfather, a single mom?  The list goes on.  Who will you be giving that special tie to this year?

Thursday, June 16, 2022

Will working longer increase your eventual Social Security payout?  The answer is, It Depends! 

Thursday, June 9, 2022

Keeping your social security number off of the internet is a smart thing to do in a world full of cyber security fraud.  But there is a case in which you will need to use your social security number to create an on-line account.

Thursday, June 2, 2022

Most people do not realize that their current/future Social Security benefits are part of financial planning. Having knowledge in this area is critical for formulating a strategy that will guarantee success after retirement. We can help!

Friday, May 27, 2022

The invite-only workshop was attended by members of Ed Slott’s Master Elite IRA Advisor GroupSM; it provided in-depth technical training on advanced retirement account planning strategies, tax law changes and estate planning techniques.

Friday, May 20, 2022

The “Rule of 55” can be great when utilized correctly. To avoid some of these common mistakes working with a financial professional before you retire is important. Most, if not all, of these mistakes can be avoided with a little education.

Friday, May 6, 2022

With so many things going on in the world, I think it is safe to assume that you all have questions.  Today's Newsletter may address some of these questions, so I wanted to give you a sample below and encourage you to go to our...

Monday, May 2, 2022

Tuesday, April 26, 2022