Stephen Bach LTMOnline

Stephen C. Bach CFP^®

Financial Advisor

7:12 Financial LLC

309 Henry Lane

Wallingford, PA 19086

610-892-1718 (Phone/Fax/Text)

712financial@lincolninvestment.com

www.712financial.com

January/February 2025

Target Your Investments

Most Americans have better things to do other than study the markets. That is why target-date funds continue to be so popular. Also known as age-based, lifecycle and target-risk funds, target-date funds are designed to follow an investing path that changes when risk tolerance and time horizons change.

Stick to Basics

We all hope for a prosperous year as the new year kicks off. But we also know that markets are fluid and their performance cannot be predicted or timed, so it is important for every investor to cling to these well-known basics that can help them stay on track toward achieving their goals.

Healthy Financial Habits

Resolving to get financially fit is a great way to start 2025. Here are some ways to develop healthy money habits in the new year.

How Americans Define "Financially Successful"

Let's take a look at how Americans define financial success.

6 Ways to Find More Money to Budget

Ever wish you could find extra money to put toward your child's college expenses or your own retirement? Maybe you would like to take a bucket list vacation or buy a larger home. Whatever your financial goals may be, finding the money to help pursue them can be challenging but not impossible. Here are some ways to find more money:

Money Hacks to Simplify Your Life

Life is nothing if not busy, so we often can't find the time we need to take care of financial tasks, whether big or small. Consider these ways to save time.

Organize Your Documents

Is financial paperwork piling up on the dining room table or kitchen counter? Setting up a filing system can help you save time, reduce stress and avoid late fees and misplaced tax records. Here are a few ideas to help you get started.

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Advisory Services offered through Capital Analysts, or Lincoln Investment, Registered Investment Advisers. Securities offered through Lincoln Investment, Broker/Dealer and Member FINRA/SIPC. www.lincolninvestment.com
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