What’s Happening

Thank you to everyone who joined our celebration at the Salisbury House!

We hope you enjoyed a classical evening with us at the Salisbury House!

Our team was thrilled for the in-person opportunity to catch up with so many of you while enjoying a beautiful afternoon and classical music. As always, we feel truly privileged to be a part of your wealth journey by serving you through all of life’s transitions. Thank you, again, for trusting us to walk beside you along the way.

If you didn’t get a chance to connect with someone on our team Tuesday, or if you have any questions/concerns, please call us directly. We are always happy to talk!

We hope you had a lovely evening, and we look forward to seeing you again soon!

Always with gratitude,

The Triangle Financial Team
Kendra, Lucas, Bailey, Elizabeth, Alyssa, and Zoe

Latest Events

Latest Article

Insurance Needs Assessment: Married With Children

by Kendra Erkamaa | July 16, 2024 | Health Care, Insurance, Life Insurance

Orchestrating Your Retirement Accounts

by Kendra Erkamaa | July 9, 2024 | 401k, IRA, Retirement

How Retirement Spending Changes With Time

by Kendra Erkamaa | July 2, 2024 | Retirement, Savings, Wealth

Why Medicare Should Be Part Of Your Retirement Strategy

by Kendra Erkamaa | June 25, 2024 | Insurance, Medicare, Retirement

Kids & Money

by Kendra Erkamaa | June 18, 2024 | Family, Wealth

The Most Overlooked Item Of Any Home Improvement

by Kendra Erkamaa | June 11, 2024 | Assets, Insurance, Wealth

Preparing for the Expected

by Kendra Erkamaa | June 4, 2024 | Health Care, Life Insurance, Wealth

Traditional vs. Roth IRA

by Kendra Erkamaa | May 28, 2024 | Investing, IRA, Retirement

Consider Keeping Your Life Insurance When You Retire

by Kendra Erkamaa | May 21, 2024 | Income, Insurance, Retirement

A Home Insurance Claim: To File Or Not To File

by Kendra Erkamaa | May 14, 2024 | Insurance

Disability And Your Finances

by Kendra Erkamaa | May 7, 2024 | Insurance, Social Security

Medicare Advantage 101

by Kendra Erkamaa | April 30, 2024 | Health Care, Insurance, Medicare

A Look At Whole Life Insurance

by Kendra Erkamaa | April 23, 2024 | Assets, Insurance, Life Insurance

When Should You Take Social Security

by Kendra Erkamaa | April 16, 2024 | Income, Retirement, Social Security

Life Insurance Myths: Debunked

by Kendra Erkamaa | April 9, 2024 | Insurance, Investment, Retirement

Healthcare Costs in Retirement

by Kendra Erkamaa | April 2, 2024 | Health Care, Investment, Retirement, Savings, Social Security

Immediate Vs. Deferred Annuities

by Kendra Erkamaa | March 26, 2024 | Annuity, Investment, Retirement

The Financial Literacy Crisis

by Kendra Erkamaa | March 19, 2024 | Budget, Investment, Retirement

Volunteering in Retirement

by Kendra Erkamaa | March 12, 2024 | Retirement, Volunteering

How Will The Economy React To AI?

by Kendra Erkamaa | March 5, 2024 | AI, Investment, Retirement

Buying a Vacation Home? 5 Questions to Consider First

by Kendra Erkamaa | February 27, 2024 | Insurance, Investment, Retirement

Financial Strategies For Women

by Kendra Erkamaa | February 20, 2024 | Financial Strategy, Retirement, Women

Five Most Overlooked Tax Deductions – Updated

by Kendra Erkamaa | February 13, 2024 | Retirement, Savings, Tax

Can Group, Private Disability Policies Work Together?

by Kendra Erkamaa | February 6, 2024 | Disability, Income, Insurance

A Taxing Story: Capital Gains and Losses

by Kendra Erkamaa | January 30, 2024 | Income, Investment, Tax

Women and Wealth: A Pivot Towards Retirement

by Kendra Erkamaa | January 23, 2024 | Retirement, Wealth, Women

Three Key Questions to Answer Before Taking Social Security

by Kendra Erkamaa | January 16, 2024 | Income, Retirement, Social Security

Making a Charitable Gift

by Kendra Erkamaa | January 9, 2024 | Giving, IRS, Tax

How Boomers and Millennials Differ

by Kendra Erkamaa | January 2, 2024 | Investment, Retirement, Wealth

White Elephant Inheritance

by Kendra Erkamaa | December 26, 2023 | Estate, Family, Inheritance

Ask Triangle – December, 2023

by Kendra Erkamaa | December 19, 2023 | Income, Investing, Markets, Stocks, Wealth

Social Security: Five Facts You Need To Know

by Kendra Erkamaa | December 12, 2023 | Retirement, Social Security, Tax

New Retirement Contribution Limits for 2024

by Kendra Erkamaa | December 5, 2023 | 401k, IRS, Retirement, Tax

Important Birthdays Over 50

by Kendra Erkamaa | November 28, 2023 | 401k, Retirement, Social Security

Ask Triangle – November, 2023

by Kendra Erkamaa | November 21, 2023 | Income, Investing, Markets, Stocks, Wealth

The Value of Insuring Against Life’s Risks

by Kendra Erkamaa | November 14, 2023 | Disability, Insurance, Wealth

Where Will Your Retirement Money Come From?

by Kendra Erkamaa | November 7, 2023 | Income, IRA, Retirement, Savings, Social Security

Caring For Aging Parents

by Kendra Erkamaa | October 31, 2023 | Family, Health Care, Medicare, Retirement

The A, B, C, & D of Medicare

by Kendra Erkamaa | October 24, 2023 | Health Care, Insurance, Retirement

Ask Triangle – October, 2023

by Kendra Erkamaa | October 17, 2023 | Income, Investing, Markets, Stocks, Wealth

Personal Finance Tips For Military Families

by Kendra Erkamaa | October 10, 2023 | Budget, Debt, Family, Investment, Retirement

4 Steps To Protecting A Child With Disabilities

by Kendra Erkamaa | October 3, 2023 | Budget, Disability, Estate, Family

Financially Savvy at Six Figures

by Kendra Erkamaa | September 26, 2023 | Budget, Investment, Retirement, Wealth

Navigating Retirement Pitfalls

by Kendra Erkamaa | September 19, 2023 | Retirement, Social Security, Tax

Ask Triangle – September, 2023

by Kendra Erkamaa | September 12, 2023 | Income, Investing, Markets, Stocks, Wealth

Do You Owe The AMT?

by Kendra Erkamaa | September 5, 2023 | IRS, Social Security, Tax

Breaking Down The Parts Of Medicare

by Kendra Erkamaa | August 29, 2023 | Health Care, Medicare

A Primer On Dividends

by Kendra Erkamaa | August 22, 2023 | Dividend, Investment, Stocks, Tax

A Primer On Irrevocable Life Insurance Trusts

by Kendra Erkamaa | August 15, 2023 | Estate, Family, Insurance

Helpful Retirement Strategies for Women

by Kendra Erkamaa | August 8, 2023 | Retirement, Wealth, Women

What Can You Buy with 529 Distributions?

by Kendra Erkamaa | August 1, 2023 | College, Education, Savings

How Will Working Affect Social Security Benefits?

by Kendra Erkamaa | July 25, 2023 | Retirement, Social Security, Tax

Will Power

by Kendra Erkamaa | July 18, 2023 | Distribution, Estate, Income, Inheritance, Retirement

Assess Life Insurance Needs

by Kendra Erkamaa | July 11, 2023 | Family, Income, Insurance

IRA Withdrawals That Escape The 10% Tax Penalty

by Kendra Erkamaa | July 4, 2023 | Retirement, Tax

The Business Cycle

by Kendra Erkamaa | June 27, 2023 | Economy, Investment, Wealth

Ask Triangle – June 2, 2023

by Kendra Erkamaa | June 20, 2023 | Income, Investing, Markets, Stocks, Wealth

How Women Can Prepare For Retirement

by Kendra Erkamaa | June 13, 2023 | 401k, Investment, Retirement, Women

Eight Mistakes That Can Upend Your Retirement

by Kendra Erkamaa | June 6, 2023 | 401k, Investment, Retirement

A Bucket Plan to Go with Your Bucket List

by Kendra Erkamaa | May 30, 2023 | Budget, Estate, Investment, Retirement, Savings

Healthcare Costs in Retirement

by Kendra Erkamaa | May 23, 2023 | Health Care, Investment, Retirement, Savings, Social Security

Ask Triangle – May 5, 2023

by Kendra Erkamaa | May 16, 2023 | Income, Investing, Markets, Stocks, Wealth

Inflation & Your Money

by Kendra Erkamaa | May 9, 2023 | Budget, Income, Investing, Investment, Savings, Wealth

The Cost of Procrastination

by Kendra Erkamaa | May 2, 2023 | Income, Investing, Investment, Retirement, Wealth

Pullbacks, Corrections, and Bear Markets

by Kendra Erkamaa | April 25, 2023 | Bear, Bull, Estate, Investing, Investment, Markets, Stocks, Wealth

When Do You Need a Will?

by Kendra Erkamaa | April 18, 2023 | Estate, Family, Giving, Retirement, Savings

Ask Triangle – April 7, 2023

by Kendra Erkamaa | April 11, 2023 | Income, Investing, Markets, Stocks, Wealth

Five Most Overlooked Tax Deductions

by Kendra Erkamaa | April 4, 2023 | Retirement, Savings, Tax

Ask Triangle – March 3, 2023

by Kendra Erkamaa | March 28, 2023 | Education, Income, Investing, Markets, Stocks, Wealth

Countdown to College

by Kendra Erkamaa | March 21, 2023 | Education, Family, Income, Savings

9 Facts About Social Security

by Kendra Erkamaa | March 14, 2023 | Income, Retirement, Social Security, Tax

Insurance Needs Assessment: For Empty Nesters and Retirees

by Kendra Erkamaa | February 21, 2023 | Insurance, Investing, Retirement

Ask Triangle – Feb. 3, 2023

by Kendra Erkamaa | February 14, 2023 | Employment, Investing, Retirement, Wealth

Women And Financial Strategies

by Kendra Erkamaa | February 7, 2023 | Investing, Retirement, Wealth

A Decision Not Made Is Still a Decision

by Kendra Erkamaa | January 31, 2023 | Investing, Retirement, Wealth

Ask Triangle – Jan. 6, 2023

by Kendra Erkamaa | January 24, 2023 | Investing, Retirement, Wealth

Your Emergency Fund: How Much Is Enough?

by Kendra Erkamaa | January 3, 2023 | Education, Family
Have you ever had one of those months? The water heater stops heating, the dishwasher stops washing, and your family ends up on a first-name basis with the nurse at urgent care. Then, as you’re driving to work, you see smoke coming from under your hood. Bad things happen to the best of us, and…

Triangle times

by Kendra Erkamaa | January 25, 2021 | Newsletter
Welcome to 2021! We are still working hard to keep up with Covid safe standards and you all are staying healthy and safe during these uncertain We are here for you, working hard for your finances and doing our best to stay healthy. We hope you enjoy our updates! Look for our quarterly Triangle Times…

The Peaceful Planner

by Kendra Erkamaa | January 18, 2021 | Community
The Peaceful Planner – A hero who helps clients see the humanity in the numbers My mom is a nurse, and my dad was a helicopter mechanic, so they’ve always served, and so it was just something that was really important to me. – Kendra Erkamaa ome people may have heard the quote, “Those who fail…

2020: A Story of Plans Re-Written

by Kendra Erkamaa | January 6, 2021 | Community
As 2020 closes on one of the most transformative years for our country, can we agree that not much has gone as any of us planned? For just about everyone, life and any intentions we may have had for the year to this point have been altered in one way or another. Our jobs, finances,…

Triangle Times July 2020

by Kendra Erkamaa | July 10, 2020 | Newsletter
The second quarter of 2020 has come to a close and what a great second quarter. We are hoping you all are staying healthy and safe during these difficult times. We are here for you, working hard for your finances and doing our best to stay healthy. We hope you enjoy our updates! Look for…

The Power of Compounding

by Lindsey Taylor | June 30, 2020 | Education, Investing, Wealth
When considering a subject to write about, I decided to ask one of my old college roommates what financial topic she wishes she’d known more about as a younger professional. Her response: Why should I make consistent, small contributions to a 401k – or other retirement account? And how does it build up over time?…

The Fear Factor

by Kendra Erkamaa | May 12, 2020 | Newsletter
The Fear Factor – Making Smart Choices in the Face of Fear Even the most fearless among us have been faced with uneasiness over the last few months. With an unprecedented global pandemic facing the entire world, it would be nearly impossible not to consider the “what ifs” invading our senses posed by the COVID-19…


by Kendra Erkamaa | April 17, 2020 | Newsletter
The SECURE Act Long-established retirement account rules change. The Setting Every Community Up for Retirement Enhancement (SECURE) Act is now law. With it, comes some of the biggest changes to retirement savings law in recent years. While the new rules don’t appear to amount to a massive upheaval, the SECURE Act will require a change…

CARES Act 2020

by Kendra Erkamaa | April 13, 2020 | Newsletter
Key Provisions of the CARES Act Distributions can be waived in 2020 for Inherited Accounts, 401(k)s, andIRAs. Recently, the $2 trillion “Coronavirus Aid, Relief, and Economic Security” (“CARES”) Act was signed into law. The CARES Act is designed to help those most impacted by the COVID-19 pandemic, while also providing keyprovisions that may benefit retirees.1…

Triangle Times March 2020

by Kendra Erkamaa | April 8, 2020 | Newsletter
The first quarter of 2020 has come to a close and wow has it been a wild one. We are hoping you all are staying healthy and safe during these difficult times. We are here for you, working hard for your finances and doing our best to stay healthy. Hope you enjoy our updates! Look…

Client Stories on Wealth

by Kendra Erkamaa | February 4, 2020 | Investing

Financial literacy – knowledge is power

by Kendra Erkamaa | August 1, 2019 | Family, Investing, Wealth
Unfortunately, financial literacy rates have dropped nationally since the Great Recession of the late 2000s. According to the Financial Industry Regulatory Authority (FINRA) Capability Study (usfinancialcapability.org), which shares financial literacy ratings by state, Iowa scores near the national average for spending and savings habits. For example, only 46 percent of Iowans reported having a “rainy…

Making a wealthy mindset work for you

by Kendra Erkamaa | July 1, 2019 | Wealth
Let’s be honest – how many times have you played the “if I ever win the lottery, I’m going to….” game? Most everyone dreams of being wealthy at some point. But what if you could think it into reality? Consider this: how you think drives your beliefs, which influences your attitude and feelings, and those…

Top Things to Ask a Financial Advisor

by Kendra Erkamaa | June 15, 2019 | Tax
Financial Planning Industry: Selecting an Advisor “Life is Change, Growth is Optional” I heard that book title the other day, and even though I haven’t read the book, I found myself considering the title in relation to my profession. As in the case of life itself, there exists a lot of change in the financial…

Time for a new vehicle – lease or purchase?

by Kendra Erkamaa | February 1, 2019 | Wealth
As a financial advisor, I’m sometimes asked what my opinions are on purchasing vs. leasing a car or truck. Next to homes, vehicles are typically the second largest single household purchase. Edmunds forecasted that just within the month of December, 1,607,724 new vehicles would be sold in the U.S. I have owned my car for…

Holidays: Making Memories Instead of Breaking the Bank

by Kendra Erkamaa | December 3, 2018 | Family, Giving
Years ago, I hosted a family holiday gift exchange that ended up an epic fail. In the spirit of taking the focus off buying gifts and instead creating memories, I implemented what I thought would be a fun experience of a random gift exchange. I was hoping to take the pressure off family members to…

Financial Planning Through Divorce – Tax Considerations

by Kendra Erkamaa | July 30, 2018 | Tax
In this second of two articles in the series, we’re focusing on how taxes may affect the division of property during divorce. Divorce is already a painful process, but taxes have the potential to compound the pain more through confusion over new tax laws and changing finances with retirement and beyond. In my opinion, the…

Certificate of Divorce

by Kendra Erkamaa | July 2, 2018 | Family
Divorce is a painful process in many ways. It’s not a topic many want to discuss or think about, but it happens. One of the major areas of focus throughout the process is the division of finances. While marriage is ideally a matter of the heart, if it ends in divorce, it quickly becomes also…

Creating Wealthy Habits

by Kendra Erkamaa | April 27, 2018 | Wealth
How would you define “wealth?” I often hear the following: When I can do what I want, when I want, without money worries Knowing I have enough money for both what I need and what I want When I can focus on what brings me joy and happiness instead of work For some, wealth is…

Tax Reform Article

by Kendra Erkamaa | February 26, 2018 | Tax
On Friday, December 22, the President signed the Tax Cuts and Jobs Act (TCJA) of 2017 into law. We have separated the tax discussion into four major parts: individual provisions, pass-through provisions, corporate provisions, and estate provisions. These items are effective for the 2018 tax year. Individual Provisions Most individuals will see a tax decrease…

Grey Divorce

by Kendra Erkamaa | February 9, 2018 | Family
As an independent financial planning firm, we help people in all stages of their life plan for, grow and enjoy their finances. Recently I have noticed an interesting new trend among the clients we help through tough divorce decisions — approximately 60 percent are in what is being called “grey divorces.” Grey divorces are among…