Articles by Justin Gluska

If you have extra cash sitting in a savings account, municipal bonds could be a better option. These bonds are issued by state and local governments. In many cases, the interest they pay is exempt from federal taxes. Some may also be free from state or local taxes, depending on where you live. That means you [...]

We’re strong believers in keeping things simple— that means no hidden fees, no confusing jargon, and full transparency around cost. Here’s a breakdown of our fees so you know exactly what to expect. Our custodians may charge a small fee for different services like transaction processing, account transfers, [...]

When it comes to your investment returns, taxes can take a bigger bite than you might expect. Beyond federal taxes, state and local taxes (SALT) can also affect how much you actually keep. These extra layers of tax vary based on where you live and what types of investments you hold. That’s why understanding how [...]

Inflation may not be making headlines like it did in 2022 when it peaked at 9.1 percent, but it hasn’t disappeared and it’s still eroding purchasing power quietly.  As of April 2025, inflation is hovering around 2.3 percent—a level that can still eat into your savings if your money is sitting in low-yield accounts. Every dollar [...]

Retirement planning can often feel like piecing together a puzzle without the picture on the box. In 2025, it may feel even harder to keep up.  With rising costs, changing benefit rules, and shifting savings trends, it’s natural to ask: Am I on the right track?  We’ve compiled 14 key retirement statistics that can help you answer [...]

Holding extra cash might seem like a smart way to stay prepared, but over time, it can quietly chip away at your financial progress. As inflation rises and savings rates shift, large cash balances may lose value faster than you realize. In most cases, the comfort of holding too much cash comes at a cost [...]

Saving money has always been important—but in 2025, it’s even more critical.  The national savings rate is currently around 0.42 percent, which likely isn’t enough to keep up with inflation. If your savings are stuck at earning average rates, your money could actually lose value over time. The good news? Beating the national savings rate doesn’t mean [...]

Having extra cash sitting in your bank account might feel reassuring, but it could be doing more.  Many people leave money untouched because they’re unsure of the next step or don’t want to take on extra risk. The good news is, there are simple ways to put that money to better use without losing access when [...]

Saving for retirement as a self-employed professional can feel overwhelming, but it doesn’t have to be. With contribution limits increasing for 2025, a Solo 401k may offer more potential than ever to help you build meaningful savings.  If you’re looking for flexibility, tax advantages, and low-cost options, Ubiquity’s Solo 401k plan is worth a closer look. In [...]