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Jill’s Journal

An educational blog from SWMG Financial Advisor Jill Carr for new investors about the fundamentals of investing and finance.

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What Exactly is Open Enrollment?

If you work for someone else, there’s a good chance that you are, or soon will be, in the midst of Open Enrollment season for your benefit choices. This is the period when your employer allows you to ...
Stack of cash

Gifting Limits

All this month, I’ve been talking about debt. So why is this blog talking about gifting? Well, here’s my thought train: let’s say you have some debt and your parents or your grandma or your favorite ...

Good Vs Bad Debt

So, some people believe that you shouldn’t EVER have debt. I don’t subscribe to this theory. There are times when debt may help. What is the difference between “good” debt and “bad” debt? Well, a ...
student loan

Student Loans

Forbes published an article about the student loan debt crisis a couple of years ago. Among the concerning statistics shared in the article, there was this little tidbit.student loan debt has now ...
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Credit Card Debit

Welcome to October, which is National Credit Card Awareness month! There was an article published on the Credible financial website that did a survey of 500 Americans with credit card debit. The ...
Insurance Word Cloud on Dry Erase Board

Why Do I Need Homeowners’ Insurance?

When I sat for the CERTIFIED FINANCIAL PLANNERTM exam I learned way more than I ever wanted to about different forms of homeowner’s insurance (basic form, broad form, etc.) and will now pass the ...
Empty buckets

IRA Vs. 401(k) Vs. ROTH – Part 2

Last week, we talked about the differences between an IRA and a 401(k). Both are types of retirement accounts, and the 401(k) is typically administered through an employer, whereas almost anyone can ...
Empty buckets

IRA Vs. 401(k) Vs. Roth – Part 1

I have found that professional, super-smart people, that I personally know, do not know the difference between an IRA, a Roth IRA, and a 401(k). That will simply not do. You need to know this stuff. ...
caregiver helping senior woman

The Ins and Outs of Long-Term Care Insurance

Some people think that when they get older and they have to go into an assisted living or nursing home facility, they will just be covered by Medicare or their regular health insurance. Wrong. ...

Meet Jill Carr

SWMG financial advisor Jill Carr loves supporting her clients in growing their financial literacy and understanding of wealth management. In that same spirit, her blog Jill’s Journal is aimed at providing newer investors with answers to common finance and investing questions.


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Investment advisory services offered through Stephens Consulting, LLC, a SEC registered investment adviser doing business as Stephens Wealth Management Group (SWMG).  SWMG is not a registered broker/dealer.  SWMG investment adviser representatives may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact our office for information and availability.

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