When is the last time you received a raise of $1,000 per month? For adults with young children, the high cost of daycare could be a $1,000-a-month opportunity in waiting. The cost of child care averages $14,500 a year for an infant, $12,280 a year for a 4-year-old. It's understandable if parents aren't piling money into that same child's 529 college savings plan quite yet. However, when your child "graduates" from daycare, there's going to be some money freed up, say, $12,280 a year. A thousand bucks a month.
[+] Full Article Getting It All Together for Retirement - 06/18/15
Before retirement begins, gather what you need. Put as much documentation as you can in one place, for you and those you love. It could be a password-protected online vault; it could be a file cabinet; it could be a file folder. Regardless of what it is, by centralizing the location of important papers you are saving yourself and your loved ones from disorganization and headaches in the future.
[+] Full Article Are You Retiring Within the Next Five Years? - 06/02/15
You can prepare for your retirement transition years before it occurs. In doing so, you can do your best to avoid the kind of financial surprises that tend to upset an unsuspecting new retiree.
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Kristen Crouthamel Financial Advisor
GCSB Investment Center
Kristen brings more than 15 years of experience in the financial planning, investment, tax and banking industries with companies like VSR Financial Services, Ernst & Young, AmerUs Life Holdings and Commercial Federal Bank. Her responsibilities included specifically servicing clients’ investment accounts as well as opening accounts and day-to-day communication, portfolio analysis and management.
She is committed to educating our clients about the variety of investment options available and currently holds the FINRA Series 7 and 63 securities licenses. She is licensed in Iowa and nine other states. Kristen believes in a client-first approach, ensuring her clients’ needs are met and questions fully answered.
Born and raised in rural Boone County, Iowa, Kristen earned an associate degree from the American Institute of Business and a Bachelor of Science degree from Upper Iowa University, both in Des Moines, Iowa. She was raised by hard-working parents, who passed on to their daughter their dedicated work ethic and small town values. Kristen recently relocated to an acreage in Guthrie County and is glad to be back to her rural roots. She looks forward to becoming actively involved in the communities she serves.
Kristen is an avid animal lover and also enjoys fishing, cooking, spending time with her family and attending sporting events and country music concerts. In addition, she frequently volunteers for various non-for-profit organizations such as Habitat for Humanity, Meals from the Heartland and the Blank Park Zoo.
Give Kristen a call or stop by her offices in Guthrie Center and Panora for more information. She looks forward to serving all of your financial planning and investment needs.