Kathy Hower

Director of Financial Planning & Senior Wealth Advisor, Bedel Financial Consulting Inc.

Estate plan is done…more to do

Many of us find it difficult to think about our own demise, let alone naming someone to handle the distribution of our belongings, determining who will receive our assets, and, more importantly, deciding who will care for our family.... Read More

Senior care housing options

Are you or a loved one looking for a living option to help reduce the burden of household duties and ultimately aid your well-being as you age? If so, use the following information as a guide to what different living facilities offer and the related costs.    ... Read More

It’s not too late to reduce your 2024 tax bill

As we step into the fourth quarter of 2024, it's a good idea to look at your tax situation to determine if you can do anything to minimize taxes before we leap into 2025. You might be surprised at what a few adjustments can do to your income or portfolio.... Read More

Developing & sharing your legacy plan

Too often individuals pass away before sharing personal information with spouse, children, other trusted individuals, and/or the individual settling their estate, which can complicate the estate settlement process. Losing a loved one is difficult and having time to grieve is necessary for the healing process. That’s why it’s so important to educate another about what you have and what you want to happen should you fall ill or pass away while you can.... Read More

Next vehicle – lease or buy?

If you enjoy having a new vehicle, drive 15,000 or fewer miles per year, and want a nice car with a lower payment, then you could be a good candidate for leasing. While leasing has benefits, it's important to understand the disadvantages before making your decision.... Read More

Rising interest rates: Impact on finances

When the Federal Reserve raises interest rates, why does your credit card interest rate increase more than the interest you earn on cash in the bank? Why do mortgage rates vary daily, but rates on other personal loans fluctuate less frequently?   ... Read More

Pay attention to your HSA

Health savings accounts (HSAs) are an excellent vehicle for saving. Contributions are tax-deductible, investment income and appreciation in the account are tax-free, and distributions for qualifying expenses are excluded from taxation (aka, “triple tax benefit”). ... Read More

Who needs pet insurance?

If you have recently adopted a pet, it's only natural that you want to keep your new family member safe, happy and healthy. But do you have the thousands of dollars required to get your pet the needed care if they become seriously ill? ... Read More