Very few people like to engage in conversation around life insurance, present company included. With that said, I’ve seen first-hand the negative impact on a client’s family or business when someone doesn’t have life insurance, or enough of it, or in some cases, even the wrong type of life insurance. All three of these scenarios […]
At HighTower Westchester each of the partners are committed to sharing their thoughts on various topics with you regularly. We hope you will find these blog entries of interest and time well spent.
Zero Score and Seven Years ago my partners and I brought forth upon our business a new business model conceived with the precept that all clients are created equal, that they should receive unconflicted advice from their advisor, and that their interests and well-being should not be subservient to the old rules of Wall Street. […]
There has been a lot of talk around millennials and money recently. We are currently witnessing the largest generational wealth transfer in history and many of these millennials are sitting on the financial sidelines. And worst yet, when it comes to investing, women still lag behind men in terms of getting started and that means […]
We all say lots of things that we want to do, especially this time of year in the form of New Year’s Resolutions like eat better, exercise more, plan a trip in advance instead of the last minute, go through the big pile of papers that you stuffed in a drawer to make your desk […]
The biggest hurdle with investing in your twenties isn’t that you’re trying to enjoy your first consistent paycheck, but that the decade after you graduate college is, for most people, an incredibly busy time. You are launching your career, possibly starting a family or a new business. The challenge is overcoming the perception that your […]
I think one of the tenets of estate planning is to be thoughtful and reflective and to not rush. As we reach the end of the year we tend to feel like we are rushing to accomplish many things, whether it be planning for the holidays, starting to organize our tax information, or maybe even […]
Many millennials graduate college with an unnerving amount of student debt. The question is, once you graduate from college and land a job, do you begin saving for your future or pay off that student debt? This is a question that is becoming more and more relevant, as the student debt numbers continue to soar. […]
Every generation of affluent consumers makes their mark in reshaping the wealth management industry. The newest generation of up-and-coming investors, millennials, will cause a paradigm shift in the development and delivery of services and products to meet their unique set of needs. Are you and your firm prepared? Change often happens quietly behind the scenes, […]
College students have steep learning curves. In high school, they are tasked with doing well academically, participating in extracurricular activities, complying with the rules of their parents’ homes and, possibly, having a job. Once in college, they must decide what to study, how many credits to take, and other important decisions, while adapting to a […]
I recently met with a client who told me about their next S.K.I. vacation … knowing they were not downhill skiers as I am, I looked at them puzzled ….. She explained the acronym stood for Spending Kids Inheritance … we laughed … and my next thought was, wow that will make for a great […]
Lang/Ciosek Team is registered with HighTower Securities, LLC, member FINRA, MSRB and SIPC, and with HighTower Advisors, LLC, a registered investment advisor with the SEC. Securities are offered through HighTower Securities, LLC; advisory services are offered through HighTower Advisors, LLC.
This is not an offer to buy or sell securities. No investment process is free of risk, and there is no guarantee that the investment process or the investment opportunities referenced herein will be profitable. Past performance is not indicative of current or future performance and is not a guarantee. The investment opportunities referenced herein may not be suitable for all investors.
All data and information reference herein are from sources believed to be reliable. Any opinions, news, research, analyses, prices, or other information contained in this research is provided as general market commentary, it does not constitute investment advice. The team and HighTower shall not in any way be liable for claims, and make no expressed or implied representations or warranties as to the accuracy or completeness of the data and other information, or for statements or errors contained in or omissions from the obtained data and information referenced herein. The data and information are provided as of the date referenced. Such data and information are subject to change without notice.
This document was created for informational purposes only; the opinions expressed are solely those of the team and do not represent those of HighTower Advisors, LLC, or any of its affiliates.