Lumena Financial Strategies, Inc.

It's important to make sure you've taken appropriate steps to help protect your assets, both for yourself and for generations to come. #FinancialLiteracyMonth

Happy April Fools Day! Pranksters are out on the loose so while browsing the internet, remember it is okay to be extra skeptical today.

Join us for a free presentation on Zoom today at 4:00 PM PST where we will be hearing from Eileen Dunn, MS, CMC, Associates of Clifton Park, Care Manager/Corporate Gerontologist as she discusses "Long Term Care from a Healthcare Perspective." She will explain and simplify Medicare and Medicaid, the difference between the two, and the services covered. We hope you can join us as we learn how to be knowledgeable consumers when looking for a plan. Register here:

JOIN OUR FREE ONLINE WEBINAR TODAY AT 4:00 PM PST! Who needs to do estate planning? The answer is, EVERYONE! Effective estate management enables you to manage your affairs during your lifetime and control the distribution of your wealth after death. An effective estate strategy can spell out your healthcare wishes and ensure that they're carried out even if you are unable to communicate. It can even designate someone to manage your financial affairs should you be unable to do so. Having an estate plan is among the most important things you can do for your loved ones. It is, however, a task many of us dread and put off dealing with until later in life. It is never too early to start planning, but it can be too late.

The clock is ticking and spring is just around the corner; which means it's almost time for spring cleaning! Get prepared by downloading the free printable checklist, "Tackle Spring Cleaning in One Month!"

With Spring drawing near we are reflecting on what positive changes we can materialize. Something as simple as making an effort to express praise and gratitude is an easy way to make a positive impact on those around us. This article sheds a little light on the power behind kind words.

When working from home, organization is key! Here is a tool with many features to help you tackle and track your to-dos.

Some teenagers are interested in investing, but their parents are rightfully cautious. But, if you can erect the proper guardrails, investing in the markets can help teach your young adults valuable life lessons.

It can be easy to focus on the bottom line of your paycheck but some of the most important information about your financial future is in the deductions above that line. Here’s what you need to know.

Budget tracking apps like Mint, Quicken, You Need a Budget, and more have been around for some time but are they safe from hackers and ransomware attacks? Check this article out for more.

Please join our free online webinar tomorrow at 11:00 AM. Coronavirus has upended the traditional cadence of an American presidential election year. 2020 is still an election year, however, and the campaigns will go on. While the election will have a momentous impact on the country, we caution investors from drawing too many links to the world of investing. Register to attend and learn "10 Truths No Matter Who Wins"!

While it’s generally true that the earlier you begin saving for retirement the easier it is to meet your goals, not everyone can get an early start. But here’s some good news: it’s never, ever too late to start. Learn more.

Having a retirement savings plan is important but so is having a retirement spending plan. Here’s a look at some withdrawal strategies to help preserve your nest egg throughout retirement.

Air travel is beginning to rebound from the depths of the pandemic but that doesn’t mean you shouldn’t take precautions before you fly. Here are five things to know about flying before boarding.

Creating a financially secure life can feel overwhelming but it doesn’t have to be that way in reality. This guide lays out seven key steps to focus on to get your financial plan on track.

Many Americans are depending on unemployment benefits as a financial crutch to get them through the pandemic. But beware: Unemployment benefits are considered taxable income and can be a headache when tax season comes. Here’s more.

These are historic times. 2020 has presented investors with challenges and opportunities; however, volatility is not a recent phenomenon. History has shown that those who chose to stay the course were rewarded for their patience more often than not. Looking at the market’s overall resiliency through several major crises and events helps to gain a fresh perspective on the benefits of investing for the long-term. Tom Hacker's presentation, The Road to Recovery will address First Trust’s perspective on the current equity markets and their place in history.

Delta, one of the world’s largest airlines, has instituted more than 200 separate safety protocols to fight COVID-19. The CEO explains the company’s safety efforts in this article.

Even if you are working from home, it's important to take breaks to improve your energy for performance. Here are 6 easy stretches you can do at any workplace.

Join us on August 26th for a free online presentation, "Energy for Performance - Elite Performance in Practice"! Energy is required 24/7. In this presentation, Ms. Lindsay Troxell will share ideas on how to manage energy, build constructive habits, and how to become fully engaged on a daily basis through understanding the impact of eating patterns, movement, and sleep.

COVID-19 has complicated live sports to say the least. But what happens after the pandemic? Five sports executives from an NBA owner to a stadium architect share their thoughts here.

America has a pandemic-induced coin shortage as COVID-19 has kept households from cashing in their coin jars. But now the U.S. Mint has officially asked the public to start searching its couch cushions and spending its change. Learn more.