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Blog

Image of a sailboat sailing on a lake, with cloudy weather above.
Rick Roby | Jun 1, 2024

Mastering Stormy Waters: Smart Strategies for Healthcare Costs in Retirement

Finance
Lifestyle
Retirement
Health
With healthcare costs often resembling an unpredictable market, and long-term care expenses looming, the post-work years require careful financial planning
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Older couple embracing on a boat overlooking a body of water
Rick Roby | May 1, 2024

5 Signs You’re Headed for a “Cushy” Retirement

Retirement
How much do you need to retire wealthy? Believe it or not, there’s no set number for anyone. Lifestyle and the quality of your retirement plan are certainly
Read More
An older man relaxing and laying down in an inner tube on relaxing water.
Rick Roby | Apr 1, 2024

Retirement nearing? Do these 5 things first.

Retirement
Family
Savings
Lifestyle
Tax Planning
What’s your ideal retirement? Traveling? Practicing your favorite hobbies? Caring for loved ones? Whatever you envision, creating a plan of action can feel
Read More
A brain surrounded by circles representing brain waves
Rick Roby | Mar 1, 2024

How to Overcome 3 Unconscious Biases That Can Keep Your Financial Goals Out of Reach

Investments
Finance
Lifestyle

In a perfect world, every money decision we make would be totally rational.

We’d consider all of the facts. Then, we’d balance them with the risks to make the

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Icon of a red elephant looking at a blue donkey, placed on top of the American flag.
Rick Roby | Feb 1, 2024

Investors & the Markets: What to Watch Out for in an Election Year

Investments
Finance
Lifestyle
Retirement
Smart investing doesn’t happen in a vacuum. Current events matter, and this year, the 2024 Presidential Elections are taking center stage. That’s rattling a
Read More
Set of keys beside miniature house
Rick Roby | Jan 1, 2024

Negotiating a Great Mortgage in a High Rate Environment

Investments
Property
Real Estate
Finance
Mortgage rates have risen above 7%, leaving many buyers feeling like a reasonable mortgage is out of reach. While current rates look high compared to the ultra
Read More
Man reading newspaper next to laptop and phone
Rick Roby | Dec 1, 2023

Your Brain on Fear & Greed: Why It’s Hard to Stop the Fear-Greed Cycle (& How to Break It)

Investments
Savings
What happens when you start to feel afraid or greedy? Do you feel like taking your time and waiting to make your next move?
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Couple walking in a field with the ocean in the background
Rick Roby | Nov 1, 2023

Don’t Let These Costly Retirement Mistakes Drain Your Nest Egg

Investments
Retirement
Savings
Estate Planning
Risk Management
If you know what mistakes tend to drain retirement savings, you can take caution, make more informed decisions, and stay on track to fund your dream retirement.
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Business page of a newspaper
Rick Roby | Oct 1, 2023

Navigating Fiscal Dramas and Market Downturns: What You Need to Know

Investments
Savings
Risk Management
The world of finance is never static. It's an ever-changing landscape that reflects the ebb and flow of economic indicators, political events, and public
Read More
Person writing a list in a notebook
Rick Roby | Sep 1, 2023

How to Stop Subconsciously Sabotaging Your Financial Goals

Lifestyle
Investments
Finance
Savings
How often do you set new financial goals? How often do you achieve them? Most of us aren’t very successful with our goals, even when we have the best intentions
Read More
Woman with graduation cap looking at the sky
Rick Roby | Aug 1, 2023

Navigating the Post-Cancellation Era of Student Loans

Finance
Education
College
In a shocking turn of events, the Supreme Court has halted the presidential student loan forgiveness plan.1 So, where does that leave you and your outstanding
Read More
Two people at work high fiving at a desk
Rick Roby | Jul 1, 2023

Unlock Your Earning Potential: 3 Essential Steps for Negotiating a Higher Salary in Your Next Job Offer

Lifestyle
Savings
Finance
Are you currently negotiating a new job offer or searching for a new role? This article aims to guide you on your journey. The question is: how do you ensure
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Contact

208-229-7629
kelly.k@jwcemail.com

     

Address

802 W. Bannock St, STE L109
Boise ID 83702

Mark Roby, Rick Roby, and Tyrone Clarence are registered representatives with J.W. Financial, Inc.(JWC) a FINRA registered broker-dealer.  JWC is registered to offer securities products in all 50 United States.  Mark Roby and Rick Roby are registered  to offer securities products in AZ, CA, DE, FL, ID, KY, MO, MS, NH, NJ, NM, NV, OR, TX, UT, and WA.  Mark Roby is also licensed to offer insurance products in AZ, DE, FL, ID, KY, MD, ME, MO, MS, NH, NM, NJ, NV, OK, OR, TX, and WA,.  Rick Roby is also  licensed to offer insurance products in ID, ME, MS, MT, NM, and OR. Tyrone Clarence is registered to offer securities in ID, OR, MS and NJ.  Tyrone Clarence is also licensed to offer insurance products in ID, OR, MS and NJ. The information included herein should not be considered a solicitation or an offer to sell product in any state besides those which Mark Roby, Rick Roby, and Tyrone Clarence are properly licensed.

Securities offered through J.W. Cole Financial, Inc. (JWC), member FINRA/SIPC.
Advisory Services offered through J.W. Cole Advisors, Inc. (JWA).

Roby Financial and JWC/JWCA are unaffiliated entities.

JWC Financial Disclosures - JWC Advisor Disclosures

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