So, another year ends. Did you stop to think about everything you are grateful for, and how to prepare for 2024? We have some financial tips for you: Year-end checklist: Required Minimum Distributions: What are they, how are they calculated, who do they apply to, and why they are important? Qualified contributions: The difference between company-sponsored plans and individual retirement accounts (IRAs) Charitable gifting Tax Loss Harvesting Preparing for 2024: Start planning by reviewing 2023, what worked and what didn't? Amplify your successes and identify why you may have fallen short in some areas so you can address them. Goal setting: Start thinking of goals you'd like to accomplish in 2024 and why. Understanding the "why" will help provide purpose and conviction, ultimately increasing your probability of success! Tune into the Crystal Clear Finances YouTube Channel and learn more! Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

What should you experience when meeting with a financial planner?  A generic computer-generated plan or a comprehensive plan designed with you in mind? At Crystal Clear Finances, we believe you are unique and will create a plan that is customized for you! Tune into the Crystal Clear Finances YouTube Channel and learn more! Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

Join Crystal as she describes QLACs, Qualified Longevity Annuity Contracts, and how they could help individuals transfer their RMD into an annuity, satisfy their RMD requirements, and possibly lower the amount of taxes they owe today! Learn more about how QLACs may be able to help those required to take their RMD, even when they don’t need the income. Tune into the Crystal Clear Finances YouTube Channel and learn more! Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

Wealth requires the integration of both sides of the coin! The cold hard numbers of finances and the softer side of wealth which includes your Mindsets, Memories, and the Money Myths you believe. Tune into the Crystal Clear Finances YouTube Channel and learn more! Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

Qualified plans do 2 main things: They defer the tax and the tax calculation! So it’s important to ask ourselves, what tax bracket will I be in during retirement and what deductions will I have when it is time to take the money? Tune into the Crystal Clear Finances YouTube Channel and learn more! Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

Q: How do you fund your family bank without decreasing your lifestyle? A: You can look for places where you are losing money unknowingly and unnecessarily and then redirect the funds! Learn more on the Crystal Clear Finances YouTube channel. Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

There are three main parts to a financial plan: Savings, Investments, and Protection. Positioning each component in a tax-efficient manner requires strategy and long-term planning. Join V on the Crystal Clear Finances YouTube channel as he reviews the purposes behind each piece. Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

In the midst of the great depression, J.C. Penny used a loan against his $3 million dollar life insurance policy to help his retail stores after the 1929 crash! Thankfully he had a properly funded, dividend-paying, cash-value life insurance policy to meet this emergency. Do you have a dividend-paying cash-value life insurance policy in place for your emergencies? Talk to Crystal Clear Finances today! Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

Do you know the 4 types of tax planning strategies? Reorganization strategy: Designed to save immediate dollars before finding new money! Annual year-end tax planning: Allows for tax bracket maximization. Long-term tax planning. Strategically placing assets in the right places to retire with as little taxes as possible. Situational tax planning. Focused on a specific objective. Tune into the Crystal Clear Finances YouTube Channel as we discuss 4 Tax planning strategies that could help save you money! Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

Using your home equity to help fund opportunities or pay for unexpected expenses is common. But is it the most efficient way to use your resources? We believe a properly structured, dividend-paying, cash value, and Whole Life Insurance can provide options that your home equity can’t! Learn more on the Crystal Clear Finances YouTube Channel. Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

There are three types of behavior with money: The Spender, the Saver, and the Wealth Creator! Which one are you?  More importantly, which one do you want to be? Tune into the Crystal Clear Finances YouTube Channel on Saturday mornings at 10 a.m. to learn more. Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

“You need to get to where you are the depositor, the borrower, and the bank. No more middlemen! You and your family need to be the ones who profit from your hard work and the potential growth of every dollar!” ~ Crystal Langdon. Tune into the Crystal Clear Finances YouTube Channel on Saturday mornings at 10 a.m. to learn more. Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

Family Banking can allow you to keep your money within your family!  Why let others keep your interest or make money on you when you can take steps to create family wealth by learning how Family Banking works? Tune into the Crystal Clear Finances YouTube Channel on Saturday mornings at 10 a.m. Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

Once you understand your wealth potential, you can begin to plan the amount needed for retirement and the amount you could potentially transfer to those you love. Have you done your Wealth Potential calculation? Learn more on the Crystal Clear Finances YouTube Channel. Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

By 2030 all baby boomers will be 65 years or older! According to the 2023 Modern Wealth Survey by Charles Schwab, it is estimated they will start transferring 53 Trillion dollars to their heirs! Are you ready? Watch the Crystal Clear Finances YouTube channel Saturday at 10 am to learn more… Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

We believe wealth starts in your mind before it shows up in your account. What are you doing internally to prepare for wealth? Watch the Crystal Clear Finances YouTube channel to learn more… Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

Financial planning should include goal setting, budgeting, reducing risk, building wealth, and understanding how taxes and inflation could impact retirement planning. Learn more on the Crystal Clear Finances YouTube Channel! Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

You can “Fake it till you make it” is a dangerous Money Myth! Unfortunately, people can spend their working years looking good, but enter retirement in a completely different situation. Don’t let this be you! Learn more about Crystal’s Top Ten Money Myths on the Crystal Clear Finances YouTube Channel Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

Over the course of 24 years, Crystal Langdon, CFP® has helped individuals identify money myths that have kept them from experiencing confidence in making financial decisions. Listen in as Crystal tackles the Top Ten Money Myths and provides new ways of thinking about money.  Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

How do I get started? What can I expect? Which is better – Investing or Savings, and in what order? These are just a few questions that we answer at Crystal Clear Finances! Tune into the Crystal Clear Finances YouTube channel as Crystal and George V discuss these questions and more! Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

Don’t give to get.… However, if you can get a tax deduction for structuring your giving properly, that s great planning! Join us for Part 2 of Strategically Planned Charitable Donations this Saturday at 10 am on the Crystal Clear Finances YouTube Channel. Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

Strategically Planned Charitable Donations can provide both current-year and future tax benefits. Tune in as Crystal Langdon discusses ways to improve the tax efficiency of giving! Generosity can be good for your soul and for your taxes!   Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

Buy Term and invest the difference? Is it really in your best interest? The "Buy Term and Invest the Difference" can have you paying unnecessary taxes over your lifetime. Term Insurance has a purpose... the real question is: is that purpose right for you? What other options may be available? Join the conversation, Saturday mornings at 10 am on the Crystal Clear Finances YouTube channel. Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

What are the two main reasons for taking a loan against your cash value? Unexpected Expenses and Opportunities! Join Crystal Langdon at 10 am on the Crystal Clear Finances YouTube channel as she explains how life loans could work for you! Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

Once you have the proper life insurance in place, how do you use the dividend-paying cash value inside it? Join Crystal Langdon and George “V” Langdon as they give practical examples of using life insurance for opportunities and/or expenses! Learn more Saturday morning at 10 AM on the Crystal Clear Finances YouTube channel. Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

Spenders tend to borrow at the highest market rates, Savers often borrow from themselves which interrupts compounding interest, but Wealth Creators can borrow at negotiated rates, use their money as collateral, and continue to earn uninterrupted compounding! Learn more Saturday morning at 10 AM on the Crystal Clear Finances YouTube channel. Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

Opportunity Cost – When you give away a dollar, you not only lose that dollar but everything that dollar could have made for you! How many dollars have you given away?! Join Crystal Langdon of Crystal Clear Finances as she discusses how to make your money work as hard as you do! Learn more Saturday morning at 10 AM on the Crystal Clear Finances YouTube channel. Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

Did you know life insurance can be more than a death benefit? There can be living benefits as well, if structured properly. Some of these benefits can even help with Chronic illnesses while you are alive. Learn more Saturday morning at 10 AM on the Crystal Clear Finances YouTube channel. Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

Are you UNISURABLE for Long Term Health Care? In the past, uninsurable meant there was little you could do besides pray, cross your fingers, and hope you stay healthy, but that doesn’t have to be the case today! There are new options that allow previously uninsurable seniors to have health care provided at home. Learn more Saturday morning at 10 AM on the Crystal Clear Finances YouTube channel. Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

The Number One cause of bankruptcy in retirement is medical bills… According to a Genworth study, 7 out of 10 seniors over the age of 65 will need some sort of long-term care support.  Could that be you? If so, are you planning to try to self-fund doctor fees, hospital bills, and the growing cost of health care OR have you put an LTHC policy in place to help share the risk? You have options… learn about them on today’s program with Crystal Langdon, CFP®, and then call the office for a free initial consultation at 518-433-7181. https://www.genworth.com/aging-and-you/finances/cost-of-care.html Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

You cannot give what you do not have! Many seniors dream of leaving a legacy for their loved ones. However, if the proper steps are not taken, there may not be any resources left to give! Healthcare risks and the costs associated with taking care of loved ones can add up quickly and drain resources. There are ways to share the risk, provide for our loved ones and leave a legacy.  Learn how on today’s program. Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

Transfer, Treatment, Timing, Title, Tools/ Techniques, and Talking… all are important T’s for the proper transfer of wealth. Join Crystal Langdon of Crystal Clear Finances as she discusses what each component should address and how to successfully pass wealth to the next generation. Learn how your investments can make a difference, all Crystal Clear Finances at 518-433-7181 today Source: Women as the next wave of growth in US wealth management  You can have Confidence for every financial decision! Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

If businesses shape culture, who is responsible for shaping the businesses? Investors are! For example, Investors played a role in the 1994 fall of Apartheid in South Africa! They help dry up the resources being used negatively. According to Adele Simmons's article “Outside Opinions…”, US Investors gave the movement both visibility and legitimacy and had a decisive economic impact. Learn how your investments can make a difference, all Crystal Clear Finances at 518-433-7181 today Source: Women as the next wave of growth in US wealth management  You can have Confidence for every financial decision! Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

Over the next 7 years, it is predicted that 70% of wealth may transfer hands… Are you ready? How are you preparing? Join Crystal as she finishes the Series on Wealth Transfer by discussing areas where you can grow your Financial savvy. Source: Women as the next wave of growth in US wealth management  You can have Confidence for every financial decision! Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

According to NEFE, 70% of Lottery winners lose all their money within a few years! Why? Because they didn’t know how to handle it! At Crystal Clear Finances, we believe that in order to receive the transfer of wealth and keep it, you need to be prepared! Join Crystal Langdon, CFP ® as she recaps the importance of growing Spiritual awareness and developing Emotional Intelligence so you can handle wealth if it transfers to you! Source: Women as the next wave of growth in US wealth management  You can have Confidence for every financial decision! Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

If a wealth transfer is headed your way, will you be ready? It’s easy to want to be wealthy but it requires Spiritual Awareness, Emotional Intelligence, and Financially Savvy to properly steward the resources. Learn more by joining Certified Financial Planner® Crystal Langdon, as she explains the spiritual and emotional components in this week’s program. Then call Crystal Clear Finances at 518-433-7181 to schedule your free initial consultation! Source: Women as the next wave of growth in US wealth management  You can have Confidence for every financial decision! Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

Up to 70% of the upcoming wealth transfer could be in the hands of women by 2030! Yet, without financial training, without understanding the difference between financial freedom and financial independence, and without understanding the role finances play in expanding the Kingdom of God, these resources could transfer but not bring about the transformative redemptive purpose intended! Tune in for today’s program as Crystal Langdon, CFP® discusses three key areas that should be addressed so you can be prepared! Source: Women as the next wave of growth in US wealth management  You can have Confidence for every financial decision! Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

On December 29, 2022, our current Administration signed into law the Consolidated Appropriations Act, 2023 which funds the federal government and a range of domestic and foreign priorities through the end of the fiscal year ending September 30, 2023. The Act also funds continuing assistance for the ongoing war in Ukraine. For Americans trying to save enough for retirement, an important section of the Act is the portion often dubbed the SECURE ACT 2.0 or more appropriately the Setting Every Community Up for Retirement Enhancement 2.0 ACT of 2022. Tune in to today's program as Crystal Langdon of Crystal Clear Finances shares some of the key changes and how they may apply to you! You can have Confidence for every financial decision! Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

You lost your Loved One and now it's time to pick up the financial pieces... Yet, there are so many details and fragments that it can be hard to know where to start. Stop! Take a deep breath and think: What money was coming in? What money was going out? What money is still owed? These answers can help you begin to evaluate what will continue, what will end, and where you go from here. To learn more steps, tune in as Crystal Langdon of Crystal Clear Finances reviews a checklist for picking up the financial pieces. You can have Confidence for every financial decision! Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

What steps can you take now to help prepare your loved ones for your passing? Having a Will, Healthcare Proxy, Power of Attorney, and other legal documents in order can be a great first step. Also, tackling the tough conversation regarding your healthcare wishes may be uncomfortable now but it can bring peace in the event of a life-and-death decision. Join Crystal Langdon of Crystal Clear Finances as she begins to outline steps you can take today! You can have Confidence for every financial decision! Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

Grief looks a lot like fear! Don't let fear stop you from picking up the pieces and taking the time to understand what you need to do next. Join Crystal Langdon and her guest Liz Roberts Laura for part two in the series of Steps to Take When You Lose a Loved One. You can have Confidence for every financial decision! Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

What are the steps you need to take when you lose a loved one? Although there are financial steps, there are emotional and spiritual issues as well. Join Crystal Langdon with her guest, Liz Robert Laura, as they tackle the topic of steps to take when you lose a loved one. You can have Confidence for every financial decision! Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

It is not always the amount you make or the rate of return you receive that creates wealth. The ability to properly deal with Taxes, Debt, and the demands of your Lifestyle can make a difference on whether you create wealth or not! Listen in as Crystal walks through an example of an investor who made $100,000 a year for 25 years and the decision to stop making others wealthy and instead built wealth for their own family legacy. It was all influenced by decisions made regarding Taxes, Debt structure and Lifestyle choices.  You can have Confidence for every financial decision! Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

You may be surprised to learn your Adjusted Gross Income could have you in the top 25% - 1% in the United States! If that is the case, your income is uncommon and deserves uncommon advice. Listen in as Crystal outlines the the top 25%, 10%, 5% and 1% of Adjusted Gross Income qualifications. If this applies to you, then a free initial consultation with Crystal Clear Finances may be just what you need! Uncommon income needs Uncommon advice! You can have Confidence for every financial decision! Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

Preparing for 2023 requires evaluating where you are, where you want to go, and creating a plan to get there! Understanding what is happening within the economy and the potential pitfalls or opportunities that may arise can help... Join Crystal Langdon as she discusses Crossmark Global Investment's Ten Economic Predictions for 2023. Learn what may, or may not be, headed your way! You can have Confidence for every financial decision! Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

2023 has come and gone... Let's hope 2023 is not so cranky! Regardless of the stock market's mood, there are steps you can take to position yourself for 2023. Join Crystal Langdon as provides insight on how to position for the New Year! You can have Confidence for every financial decision! Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

Lets dive into a brand new episode as Crystal continues the chat on PROCESS PART II! What a Financial Advisor Can Bring to the Table? What is their process- do they spend time asking you questions or answering your questions?  Do you connect with them in a way that you like? Listen now! You can have Confidence for every financial decision! Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

As we go into Part IV of What a Financial Advisor Can Bring to the Table, Crystal moves on to the next step of PROCESS. Does your advisor have a process to help you?  If you don't know their process ask them! There needs to be a process in place so nothing falls through the cracks... You can have Confidence for every financial decision! Watch us on our YouTube channel  Find out more on our website at http://crystalclearfinances.com/ Listen on the radio every Saturday at 10:00 AM and 4:00 PM on WJIV 101.9 FM. For a daily dose of inspiration and courage – Follow us on Instagram! It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.