White Oaks Insights

Are You Prepared to Freeze Your Credit?

Are You Prepared to Freeze Your Credit?

Freeze Your Credit The thought of freezing your credit can seem like taking a test that you are not really prepared for. In the heat of the moment, you may find the only thing freezing is your mind. Unfortunately, data breaches continue to increase in frequency and in...

When Can I Retire?

When Can I Retire?

When can I retire?...a question of great significance to many individuals. Laura Bereiter, CPA, CFP®, of White Oaks was quoted for answering this very question.  The article consists of the Top 11 Retirement Planning Questions Clients Ask.  Laura comments, "Our answer...

The Debate Over Dividend Stocks

The Debate Over Dividend Stocks

Alex Duty, our portfolio manager, wrote a great white paper on dividend investing. Dividend investing is a popular strategy and one we come across from incoming clients.  Alex’s position is that dividend stocks only earn abnormal returns due to their value tilt, not...

Reflecting on Summer at White Oaks

Reflecting on Summer at White Oaks

Where it all began The past three months at White Oaks has been one of the best experiences that I’ve ever had. Reflecting on summer at White Oaks, my path to get here was quite unconventional. Unlike previous interns, I did not go through a rigorous recruitment...

Families and Financial Planning

Families and Financial Planning

Families and Financial Planning While studying Personal Financial Planning (PFP) at Texas Tech University, I noticed in one of my classes of 40 students, I was one of 10 females. Then, I realized that this pattern is the gender distribution in all my PFP courses....

Gift Card Fraud – Protect Yourself

Gift Card Fraud – Protect Yourself

Gift cards have become a very popular and easy way of gifting, and scammers and fraudsters are waiting out there to take advantage of retailers and consumers. I would like to share our experience of gift card fraud with you, so you can prevent this from happening to...

Lending Money to Family

Lending Money to Family

A situation we see here at White Oaks often is our clients want to help family. One way to do this is by a family loan. Whether to a parent, a sibling or a child, our clients often feel an altruistic pull to help family out by lending them money. This can often be a...

Trusts: Top Ten Reasons Why

Trusts: Top Ten Reasons Why

Just like school subjects get more complex as you age; so too, does managing your finances. Sure, you may have established a standard will and healthcare directive early in your financial life. Those, however, may not address the more complex needs you have as you age...

Is It Time To Refinance?

Is It Time To Refinance?

Mortgage rates are at two-year lows and continue to be significantly less than the historical average. With home values holding and/or increasing in most markets many homeowners are wondering if now might just be the perfect opportunity to refinance. After all, last...

Transform Your New Year’s Resolutions

Transform Your New Year’s Resolutions

How are You Doing on Your New Year’s Resolutions? While working with Laura Bereiter, the Director of Tax and Financial Planning here at White Oaks, she assigned the interns the task of writing summer goals. Through this process, it made me reflect on my New Year’s...

World Elder Abuse Awareness Day

World Elder Abuse Awareness Day

Once again, I attended the World Elder Abuse Awareness Day (WEAAD) conference. The Earle Brown Heritage Center in Brooklyn Center, Minnesota held the event. WEAAD was created to recognize the significance of elder abuse. Elder abuse is a growing social and financial...

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