https://alo.financial/index daily 1.0 2026-03-09 https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1703000345800-7YD95OJXJI5PVZ2UARVC/iStock-539369288.jpg Home https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1532604514928-STTZ6PBLLWZM8JZRX2NG/shutterstock_705199210+%5BConverted%5Ddark+blue+copy+exec.png Home https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1532570061114-9QU9DKFUAH48MO5BA7W4/rotate+dark+blue.png Home https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1532604348447-70TIZK4J8RSURRSBGWUO/shutterstock_705199210+%5BConverted%5Ddark+blue+tax.png Home https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1532604793247-T09I5C97ANXL6GSFWX2J/shutterstock_705199210+%5BConverted%5Ddark+blue+copy+retire.png Home https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1532604954281-QQ8H8LH0U2W3PKC2F1VX/shutterstock_705199210+%5BConverted%5Ddark+blue+copy+education.png Home https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1533080090566-SKUF5OTT9N5TO794LUUD/016__NKF_1252+Web+-+Copy.jpg Home John B. Nowak, CFP®, RMA®, CPWA®, CPA https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1533175423385-94ZTMF17HQ669Z94N7XQ/image-asset.jpeg Home - Clarity Clarity Align your money with your vision https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1533173624694-WO7HM89I8SZQ1YCYB2C5/shutterstock_1024735363+copy.jpg Home - Prosperity Prosperity Happiness, Relationships, Health https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1702951310856-1LG2HWRDO5GAJ3XBFS3V/iStock-539369288.jpg Home - Independence Independence Career Success to Retirement Opportunities https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1532605763675-D8K4S3Z6G8JANRRVF5D7/How+to+Get+There.jpg Home https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1532605797601-04HPU76MONXX2LOOGYLM/Goals+Plans+Investments+Repeat.jpg Home https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/8d30bd47-9566-4bfa-86eb-e5abb3231fa3/The+Only+Goal+That+Matters+%28Color%29+%281%29.jpg Home - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1532604348447-70TIZK4J8RSURRSBGWUO/shutterstock_705199210+%5BConverted%5Ddark+blue+tax.png Home https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1532604514928-STTZ6PBLLWZM8JZRX2NG/shutterstock_705199210+%5BConverted%5Ddark+blue+copy+exec.png Home https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1532570061114-9QU9DKFUAH48MO5BA7W4/rotate+dark+blue.png Home https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/8d30bd47-9566-4bfa-86eb-e5abb3231fa3/The+Only+Goal+That+Matters+%28Color%29+%281%29.jpg Home - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/90816ee0-4e8d-48d7-bd20-63fc5c65859e/Chicago-High-End-Headshots-John-Nowak-4171.jpg Home John Nowak, CFP® https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1703003193701-59GCEVI0LAYXW5BT5IF5/cfp_logo_solidgold_outline_vert+copy.png Home https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1703003096195-U1PZVPWI2Z56WOR19WBC/CPWA+BAdge.png Home https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1703003096193-7ISG9A09D8N8Z7OIQK7Q/RMA+Badge.png Home https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1703003307748-SXJ8GNRXGD3F7K5O1Q2V/cpa-rgb.png Home https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1703003113502-J7K69RUN6N10BEZVR1JH/EliteLogo2011.jpg Home https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1703003285394-GF2EWM2ZXYL2W71RMNGB/Dragon+-+Black.png Home https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1703003239607-IU10EQ556KRWN7D57Y85/FPA-RGB-R.png Home https://alo.financial/insights-ideas daily 0.75 2024-06-07 https://images.squarespace-cdn.com/content/v1/52a74d9ae4b0253945d2aee9/1400275370693-L0ZTMZY7L6SCYQG6GO85/xzuvhgdQGul0amA3Qc7a_373A9681.jpg Insights and Ideas https://alo.financial/insights-ideas/when-to-take-social-security monthly 0.5 2024-06-07 https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/da81599c-b2ec-4761-8701-f619bf4751a5/SS+Bridge.jpg Insights and Ideas - Social Security Claiming Ideas - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://alo.financial/insights-ideas/2023/12/29/aloha-2023-2024 monthly 0.5 2023-12-29 https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/8175ee43-0b04-41d6-b654-a5247a168285/Untitled+design+%281%29.png Insights and Ideas - Aloha 2023-2024! - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/8ea9d986-af36-4407-b724-108cd9400307/Current+Reality+%282%29.jpg Insights and Ideas - Aloha 2023-2024! - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://alo.financial/insights-ideas/2023/12/22/5-financial-planning-lessons-from-die-hard monthly 0.5 2023-12-29 https://alo.financial/insights-ideas/dodging-tax-jail-and-the-tax-torpedo monthly 0.5 2022-04-08 https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/a73abe81-e90d-42b2-b632-7c57d217085e/Monopoly_Just_In_Jail_%281583486%29.jpeg Insights and Ideas - Dodging Tax Jail and the Tax Torpedo - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/e4817c9d-9078-466c-bb8d-ca8b95e0690a/256px-MK46_torpedo_launch.jpeg Insights and Ideas - Dodging Tax Jail and the Tax Torpedo - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/e89a8f22-fbdf-4675-9e63-94ac1eaacb22/Screen+Shot+2022-04-08+at+12.32.25+PM.png Insights and Ideas - Dodging Tax Jail and the Tax Torpedo - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/6909f821-7dfa-4e1b-bdae-76e288631145/Screen+Shot+2022-04-08+at+12.29.44+PM.png Insights and Ideas - Dodging Tax Jail and the Tax Torpedo - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://alo.financial/insights-ideas/what-is-irmaa-medicare monthly 0.5 2022-03-31 https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/6ea6d894-f6d2-4abd-b6ae-a7281ce5f01f/Barney_Rubble_and_Fred_Flintstone.png Insights and Ideas - What Is Medicare IRMAA? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/fdc1a9d5-8a30-4fc5-ba20-e9ca81569ea1/Medicare+IRMAA+2022.png Insights and Ideas - What Is Medicare IRMAA? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://alo.financial/insights-ideas/late-enrollment-penalty monthly 0.5 2022-03-17 https://alo.financial/insights-ideas/premium-tax-credit monthly 0.5 2022-03-10 https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/e7ec82d8-78b0-4a08-bb74-87f8e2850039/ACA+PTC+by+Income+2022.jpg Insights and Ideas - Receiving the Premium Tax Credit In Retirement - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://alo.financial/insights-ideas/top5-socialsecurity-2022 monthly 0.5 2022-02-24 https://alo.financial/insights-ideas/2022-resolutions monthly 0.5 2022-01-07 https://alo.financial/insights-ideas/what-is-the-social-security-bridge monthly 0.5 2021-06-04 https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1622472004222-9PCD2Y9FOCRGYO1A8U5Y/Social+Security+Medicare+Paid Insights and Ideas - What Is the Social Security Bridge? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1622472116445-7SGSS9SM2S2M5BMJVYLZ/Social+Security+at+Ages Insights and Ideas - What Is the Social Security Bridge? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1622473573048-DEHJXBRZLG6MPT60S7FU/Bridge+Example.png Insights and Ideas - What Is the Social Security Bridge? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://alo.financial/insights-ideas/2020/11/5/waiting-is-the-hardest-part monthly 0.5 2020-11-05 https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1604591572267-MOKCMPQS5QLI2Z59I6OB/problem+with+plans.jpg Insights and Ideas - Waiting Is the Hardest Part https://alo.financial/insights-ideas/finding-your-abundance-mindset monthly 0.5 2020-05-07 https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1588885367261-H43JIOHHCYCHMBZV2JXT/Abundance-Scarcity.001.png Insights and Ideas - Finding Your Abundance Mindset https://alo.financial/insights-ideas/givingtuesdaynow monthly 0.5 2020-05-04 https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1588599710882-OZF7Q4RQ4DXILEZ3CL4Y/Values+and+Use+of+Money.jpg Insights and Ideas - Make #GivingTuesdayNow Contagious https://alo.financial/insights-ideas/unexpected-opportunity monthly 0.5 2020-04-23 https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1587670995761-2RS8R4DCWB8WH0VUJB3O/IMG_3213.png Insights and Ideas - Unexpected Opportunity https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1587671624539-WBW11CMYXMPRJ1FXJ4O7/Photo%2Bon%2BApr%2B23%252C%2B2020%2Bat%2B2_50_15%2BPM.jpg Insights and Ideas - Unexpected Opportunity https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1587672174147-K2Z5UWZ9WM93ELERQZT5/Next+Smallest+Step.jpg Insights and Ideas - Unexpected Opportunity https://alo.financial/insights-ideas/light-tunnel-covid19 monthly 0.5 2020-05-04 https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1584634856207-Z9SRCDOEG7HAYB5POHP4/S%26P+500+High+%283%2C386%29+Compared+to+Further+Decline_Recovery.png Insights and Ideas - Light at the End of the Tunnel https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1584635282254-ONVC8BLVSGXQ5MZNERSZ/Screen+Shot+2020-03-19+at+11.27.06+AM.png Insights and Ideas - Light at the End of the Tunnel 1. In this illustration the market is represented by the Dow Jones Industrial Average. Sources: © 2019 Ned Davis Research, Inc., Dow Jones & Company, Inc. Ned Davis Research defines a bear market as a 30% drop in the Dow Jones Industrial Average after 50 calendar days or a 13% decline after 145 calendar days. A bull market requires a 30% rise in the Dow Jones Industrial Average after 50 calendar days or a 13% rise after 155 calendar days. Average frequency, duration and market increase data do not reflect the current bull market that started on 2/11/16. Indexes are unmanaged and one cannot invest directly in an index. Index returns do not reflect any fees, expenses or sales charges. https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1584635856530-OJX0LFVPN6V97L6LPMNZ/Screen+Shot+2020-03-19+at+11.36.58+AM.png Insights and Ideas - Light at the End of the Tunnel https://alo.financial/insights-ideas/coronavirus-we-got-this monthly 0.5 2020-03-12 https://alo.financial/insights-ideas/w4-tax-withholding-estimator monthly 0.5 2020-02-12 https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1581540824371-WT9UR8T7WWBV6ABHXZTX/Screen+Shot+2020-02-12+at+2.53.01+PM.png Insights and Ideas - Updating Your W-4 With the Tax Withholding Estimator https://alo.financial/insights-ideas/deferred-comp-tax-hit monthly 0.5 2020-01-30 https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1580407443614-7WZE4U7T8S2KFT7SLJ8K/Screen+Shot+2020-01-30+at+12.03.22+PM.png Insights and Ideas - Be Aware of the Deferred Comp Tax Hit (From The Tax Foundation https://taxfoundation.org/2020-tax-brackets/#brackets) https://alo.financial/insights-ideas/farewell-fontana monthly 0.5 2019-09-12 https://alo.financial/insights-ideas/estimatedtaxes-bonus-stockcompensation-dualincome monthly 0.5 2019-06-14 https://alo.financial/insights-ideas/rainy-day-fund monthly 0.5 2019-05-02 https://alo.financial/insights-ideas/shutdown-economics monthly 0.5 2019-01-24 https://alo.financial/insights-ideas/market-is-sick-but-will-be-ok monthly 0.5 2022-05-19 https://alo.financial/insights-ideas/enlargedtoshowdetail monthly 0.5 2018-12-12 https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1544641666512-4PWDNMG1K48GCMHB6DK8/Volatility+and+Time.png Insights and Ideas - Don’t Treat Your Portfolio Like a Cereal Box https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/1544641682723-2L2TOMX7D1CCQ7BVHWYK/IMG_2219+copy.JPG Insights and Ideas - Don’t Treat Your Portfolio Like a Cereal Box https://alo.financial/insights-ideas/2018/12/7/news-and-ideas-email-update-11292018 monthly 0.5 2018-12-07 https://alo.financial/insights-ideas/2018/11/28/your-charitable-deduction-may-be-going-away-heres-how-to-save-it monthly 0.5 2018-11-28 https://alo.financial/insights-ideas/tag/Taxes monthly 0.5 https://alo.financial/insights-ideas/tag/Bonuses monthly 0.5 https://alo.financial/insights-ideas/tag/Social+Security monthly 0.5 https://alo.financial/insights-ideas/tag/Stock+Compensation monthly 0.5 https://alo.financial/insights-ideas/tag/Charity monthly 0.5 https://alo.financial/insights-ideas/tag/Retirement monthly 0.5 https://alo.financial/team daily 0.75 2026-03-06 https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/7ca81672-0762-471d-ab8b-986d2e62f913/Door+County+Family+Vacation-77.jpg Our Team https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/37a1c458-d6ef-4f95-a5e7-dccb952e2b24/Sam+Headshot.webp Our Team https://alo.financial/enjoy-retirement daily 0.75 2023-12-20 https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/fd465fbb-4510-480f-97ab-a32555695977/Current+Reality+%281%29.jpg Enjoy Retirement - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/4af63da0-0bcb-4ee1-a167-80cc03bcf320/2.png Enjoy Retirement https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/513af41d-d2a1-4f2c-9b65-41930bcb5ab4/4.png Enjoy Retirement https://images.squarespace-cdn.com/content/v1/5ae7d3d6cef37249fdafe3ef/606eb15a-413b-4078-83a6-b6f997bd6c72/3.png Enjoy Retirement