Blog

How Can I Make The Most From My Inheritance?

Adam Grantham, CFP®, ChFC

Tuesday, April 1, 2025

Losing a loved one is never easy, which is why the gift you inherited comes with the responsibility to make the most of it for you and your family. In addition to the emotional side of inheriting, you may also be experiencing...

Social Security Tips

Andy Schelitzche, CFP®, ChFC

Friday, March 28, 2025

In this guide, we’ll provide insightful strategies for optimizing your Social Security benefits while addressing the emotional implications of preparing for the significant life transition into retirement.

Tax Strategies in Retirement

Adam Grantham, CFP®, ChFC

Monday, March 24, 2025

Planning for retirement is a pivotal moment, and your years of hard work is paying off with financial security. But as you approach this final stretch before retirement, questions about readiness can surface.

Create a Retirement Spending Plan in 4 Steps

Andy Schelitzche, CFP®, ChFC

Tuesday, March 18, 2025

Planning for retirement is a pivotal life stage. The five years before retiring can be filled with both excitement and apprehension. You might be asking yourself whether you’ve saved enough to be able to retire. How can you know?

Retiring? Here's Why You Need a Long-Term Care Plan

Adam Grantham, CFP®, ChFC

Wednesday, February 26, 2025

Retirement is a monumental life transition that comes with excitement, hope, and often, a healthy dose of uncertainty. The question isn’t just, “Are we ready to retire?” but also “Will our assets be enough to sustain us during retirement?”

Year-End Countdown: Key Deadlines You Cannot Afford to Miss

Andy Schelitzche, CFP®, ChFC

Thursday, October 31, 2024

As the year comes to a close, there are some important deadlines that you shouldn’t ignore.

Wealth, Family, and Legacy: A Guide for High-Net-Worth Individuals in the Sandwich Generation

Andy Schelitzche, CFP®, ChFC

Tuesday, June 25, 2024

Wealth and estate planning are vital for all individuals but are particularly essential for high-net-worth (HNW) individuals in the sandwich generation.

5 Tips to Get the Most Out of Homeownership in a Volatile Marketplace

Andy Schelitzche, CFP®, ChFC

Tuesday, May 28, 2024

Consider these five tips for getting the most value out of owning a home in today’s volatile marketplace.

6 Telltale Signs You're Not Saving Enough for Retirement

Andy Schelitzche, CFP®, ChFC

Tuesday, May 28, 2024

How can you be sure if you need to save more? Consider these six telltale signs to help you decide if today is the day you need to change your saving strategy.

Retirement Planning: The Ultimate Endless Summer Adventure

Andy Schelitzche, CFP®, ChFC

Tuesday, May 28, 2024

Here are some tips and tricks to help manage your retirement to have the goal of being carefree and relaxing as a child's summer vacation.

What Kinds of Insurance Should You Have as a Small Business Owner?

Andy Schelitzche, CFP®, ChFC

Tuesday, May 28, 2024

In this blog, we explain six of the most critical types of small business insurance.

In the dynamic landscape of today's investment world, Gen Z is making waves by leaning heavily into both traditional and contemporary assets.

We are excited to share that Manifest CEO, Andy Schelitzche, has been recognized by Forbes as one of the Best-in-State Wealth Advisors for 2024.

A common piece of standard life insurance advice is to get it as early as possible — and there are good reasons why.

You spent many years of your life serving and protecting your country. With that sacrifice, you can access various benefits created to help you readjust to civilian life and build a future for yourself and your family.

Some high earners have conquered the rat race but they also generally enjoy being in the workforce. But they also may find it increasingly difficult to stay motivated and challenged.

Social Security benefits are critical to retirement planning. These monthly benefits provide a financial safety net for millions of Americans.

April is Stress Awareness Month, and there's no better time to reflect on and address the stressors that may impact our lives.

National Financial Advisor Day is a celebration on April 18 of each year. This date is a time to explore the world of financial professionals and understand how they may help you navigate the complexities of managing your money.

Learning financial literacy, such as money management, budgeting, and investing, can seem daunting, but is no different than learning how to speak another language.

The federal income tax filing deadline isn’t until April. However, the start of tax season is nearly upon us.

Credit is one of the most important factors of life that impacts all businesses. Having solid credit is necessary for securing a small business loan.

Wealth preservation is essential for high-net-worth (HNW) individuals, but it warrants a gender-specific focus, too.

While there are multiple options such as leaving your 401(k) in your former plan if allowed, cashing out the account balance, or transferring the 401(k), many decide to roll over their old 401(k) to their new employer's plan.

Just as a winning team meticulously plans its Super Bowl plays, individuals and families may benefit from developing a comprehensive plan for their estate.

You started a business, took the initial steps to build a foundation, and are now working to grow and expand your customer base

As high-net-worth individuals navigate the complexities of financial planning during their working years, one critical aspect often goes overlooked—long-term care. In 2021, the median monthly cost of a private room in a nursing home facilit

When filing your income taxes, each taxpayer is different. Some prefer reducing the taxes they owe and getting the most significant possible refund, while others work to keep the taxes they pay as low as legally required.

After the debts have been paid, the various items left in your estate will be transferred to your heirs and beneficiaries, but first the federal government will take its share through estate taxes.

Most people tend not to categorize themselves or see themselves as anything more than a spouse, parent, sibling, neighbor, boss, or business owner.

The landscape of retirement finance is often complex, and the latest revisions to the rules governing Required Minimum Distributions (RMDs) underscore this point.

The Internal Revenue Service (IRS) is helping families, teens and senior citizens learn about the continued importance of protecting personal information in helping fight identity theft and tax fraud.

Each year, some of the biggest companies in the world fall victim to data breaches—in 2020, this list included Microsoft, Facebook, and Instagram.

From buying gifts to hosting parties and traveling to see loved ones, plus filling up a cabinet with booze, expenses can quickly add up, leaving many overwhelmed.

The end of the year can be a chaotic time for business owners. It is a time to compile data, review the numbers, evaluate strengths and weaknesses, and determine growth opportunities for the future.

The last few months of the year are all about eating, drinking, and being merry. But all this indulging often leads to feelings of guilt and a rush to get back on track come the new year.

Some thrills associated with winter activities can stop you in your tracks if slippery snow and ice, chilly temperatures, or high speeds put you in danger or knock you off your feet.

Thanksgiving is a holiday for spending time with loved ones, being grateful, and perhaps enjoying a bit of overindulgence. There are many financial lessons to be had in planning, preparing, and celebrating this annual feast.

A 401(k) plan is one of the most popular and effective techniques for saving for your retirement. A company will automatically withdraw and contribute money from each paycheck to your 401(k) plan.

In the realm of estate planning, the ripple effects of our oversights often linger long after we're gone, impacting the lives of those we leave behind.

As we approach the last quarter of each year, it is a good time to plan for the next one. Year-end planning is especially important for existing retirees and those hoping to retire in the next few years.

A financial plan is a collection of steps that help you to evaluate your financial condition and determine how to prepare for your financial future.

You often hear people discuss "saving for retirement,” but in many cases, they're actually referring to their investing.

Many of you already have estate documents, probably executed many years ago. You need an estate attorney to look over your documents every 10 years or so.

What would you do if you had unlimited funds to donate to charity? Would you focus on causes and organizations that make a difference locally or donate to international organizations?

Everyone wants a comfortable retirement, but the road you take there will depend on your specific situation. When you invest, you assume a certain level of risk (but like everyone you’re hoping that your holdings will increase in value).

You want to retire comfortably when the time comes. You also want to help your child go to college. So how do you juggle the two?

Being a woman in business today comes with many obstacles, but it may also bring some unique advantages and opportunities.

Does your retirement seem years and years away? While it may appear this way, you owe it to yourself to look ahead and begin giving thought to a time in your life that may account for 20 or more "golden" years.

Every consumer likes a good bargain, particularly value investors, who seek out stocks trading for less than their intrinsic value.

Do you consider yourself a high-net-worth individual (HNWI)? Most people tend not to categorize themselves or see themselves as anything more than a spouse, parent, sibling, neighbor, boss, or business owner.

Financial wellness, like physical wellness, isn’t something you should ignore. Instead, it's a critical concept for anyone who wants to be knowledgeable and confident about their finances.

Nearly 56 million American adults are 65 or older, and the demand for community living and estate planning services may increase over the next few decades. Do you know what arrangements you need to make when the time comes?

For many members of Generation X, those born between 1965 and 1980, a comfortable retirement may feel like an increasingly distant dream.

As we finalize the log on the first six months of 2023, we believe there’s value in reflecting on recent months gone by. Doing so can help crystallize key learnings and help chart a course through the rest of the year.

At LPL Research, our 2023 investing outlook started with a theme of returning to normalcy. Considering 2022’s market volatility and the aftereffects of the pandemic, the idea of finding balance was certainly a welcomed change.

Those who receive an inheritance with the passing of a loved one are potentially given the gift of financial freedom if they choose to manage the wealth carefully.

Internal audits play a crucial role in the proper functioning and success of a business. They are an essential component of a company's risk management process and provide management with valuable insights.

Understanding the difference between taxable, tax-deferred, and tax-exempt accounts can improve portfolio diversification and make a difference in how much you earn over time.

In an era characterized by high job turnover, it is more important than ever for employees to carefully manage their retirement savings.

High-earning women are becoming the primary ‘breadwinners’ in many families and are increasingly the financial decision-makers. Women have unique needs that often differ from their male counterparts.

Andy Schelitzche, CEO of Manifest, recently received special recognition for leading one of LPL’s top financial advisory teams in the nation.

We are very excited to announce that Peter McClellan and his team (Sarah Lambert and Lori Nickel) have joined Manifest. Peter has been serving clients in Minnesota for more than 30 years. Given his team's knowledge, experience, and...

Election Fallout

Andy Schelitzche, CFP®, ChFC

Monday, November 9, 2020

Hello everyone, Now that we're through the election I thought it would be a good idea to give a rundown on the results and expectations for the market and economy moving forward. I've attached a link for Brian Wesbuy's (Chief Economist...

As we remember the tragedy of September 11th, 2001 I wanted to share the video that my daughter's school put together to honor and remember the day. Providence Academy opened one week after the tragedy of September 11th and it left a...

2020 has thrown a monkey wrench into the plans and expectations many of us had. Use this FREE tool to see how close you are to hitting your financial goals and to create a financial strategy. Request a consultation with one of our...

2020 has thrown a monkey wrench into the plans and expectations many of us had. Use this FREE tool to see how close you are to hitting your financial goals and to create a financial strategy. Request a consultation with one of our...

Mary E. Schmidt Rogers, whose pioneering 1978 book “Women and Money” taught women how to take control of their financial lives, died June 6. She was 103 years old. She joined Waddell & Reed in the 1950's, at a time when it...

In the past week our hearts have been broken by the tragic killing of George Floyd and by the mayhem and destruction of our communities that followed. Our thoughts and prayers go out to the family and friends of Mr. Floyd and to those...

Good afternoon, On Friday, the CARES Act was signed into law. This legislation includes a number of new measures to support small businesses – joining the programs already in place to respond to the coronavirus pandemic. Below...

First I'd like to say that I hope all of you are staying safe and that you and your families are well. These are very strange and trying times for our community, country, and world but we will get through this just as we've gotten...

We have obviously been getting a lot of questions about the impact of the Coronavirus on the market and the global economy in general. First Trust Advisors released an excellent piece yesterday that does a great job of explaining the...

We are pleased to announce that for the second consecutive year, Andrew Schelitzche has won the Five Star Wealth Manager award! By earning thishonor, Andrew Schelitzche has demonstrated a commitment of service to his clients and his...

All of us at Manifest Wealth Management would like to thank our veterans for the service they have provided this country and for the freedoms we enjoy which they helped provide. We are forever grateful and hope all of you have a very...

Congratulations to the Manifest Wealth Management men's softball team for winning the Plymouth summer championship last night! It was a great season and it always feels good to go out winners. We hope you all enjoy the rest of your...

The Manifest Wealth Management team spend most of last week in Atlanta at Waddell & Reed's Vision Conference. We were able to catch up with a lot of good friends and colleagues from around the country, learn a lot about what Waddell &...

Manifest Wealth Management and Andy Schelitzche were recently featured in an Advisors Magazine article regarding the benefits of working with a Financial Planner vs. Adhoc Investment Advice. Check it out here! https://issuu...

Manifest Wealth Management is pleased to announce that Andrew Schelitzche has won the 2019 Five Star Wealth Manager award! By earning this honor, we believe Andrew has demonstrated a commitment to clients. Please offer Andrew your...

From all of us at Manifest Wealth Management...We hope you all have a very happy and safe Holiday Season. Best Wishes!

I just want to say thank you to my wife, Nichole Schelitzche, for the amazing job she does in decorating our office. I often say that if it wasn't for her it would look like a caveman works here :) Instead it always feels comfortable....

Theresa Corey Office/Client Relationship Manager Theresa joined the firm in 2014. She grew up in southwestern Minnesota with 7 sisters and one brother. She earned a Master’s Degree in English from Mankato State University and has...

Krista Peterson LPL Registered Administrative Associate Krista grew up and went to high school in Eden Prairie, Minnesota. After high school, she moved to Duluth and started college at the University of Minnesota Duluth (UMD). Krista has...

Kevin Florey, RICP Vice President Kevin grew up in Superior, Wisconsin and graduated from the University of Wisconsin – Eau Claire with a degree in Accounting. He previously spent more than twenty years with Traveler’s...

Happy Thanksgiving!

Andy Schelitzche, CFP®, ChFC

Thursday, November 22, 2018

As we all spend time with our friends and family this season and think about the things we are thankful for, we wanted to wish you all the very best and express how thankful we are for the opportunity to work with so many amazing...

Thank you to all of the military veterans who are currently serving or have served. Your sacrifice and service keeps us free and is big reason we live in the greatest country in the world. We appreciate everything you do. Thank you!

I want to say thank you to Ms. Scharmer and Totino Grace High School for having me speak to her Personal Finance class. I have complained for years that I don't think our kids receive enough, or any, education on basic personal finance...