---
title: The Pulse
description: Scarborough Capital Management continues to make waves in the media. That's right—the same folks who advise you. Read about Scarborough and what's happening in the industry right here.
---

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- [Why Choose SCM?](https://scmadvice.com/why-scm/) 
    - [Our Commitment to You](https://scmadvice.com/our-commitment-to-you/)
    - [Our Fees](https://scmadvice.com/our-fees/)
- [What We Do](https://scmadvice.com/what-we-do/) 
    - [401(k) Plan Management](https://scmadvice.com/401k-plan-management/)
    - [403(b) Plan Management](https://scmadvice.com/403b-plan-management/)
    - [Thrift Savings Plan (TSP) Management](https://scmadvice.com/thrift-savings-plan-tsp-management/)
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    - [Financial Planning](https://scmadvice.com/financial-planning/)
    - [Pension Analysis](https://scmadvice.com/pension-analysis/)
    - [Social Security Analysis](https://scmadvice.com/social-security-analysis/)
- [About SCM](https://scmadvice.com/what-we-do/) 
    - [Our Story](https://scmadvice.com/our-story/)
    - [Our Team](https://scmadvice.com/who-we-are/our-team/)
    - [Quick Facts](https://scmadvice.com/who-we-are/quick-facts/)
- [Who We Help](https://scmadvice.com/our-clients/) 
    - [Getting Organized and On Track](https://scmadvice.com/getting-organized-and-on-track/)
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- [Start Now](https://info.scmadvice.com/contact-us)

- [Why Choose SCM?](https://scmadvice.com/why-scm/) 
    - [Our Commitment to You](https://scmadvice.com/our-commitment-to-you/)
    - [Our Fees](https://scmadvice.com/our-fees/)
- [What We Do](https://scmadvice.com/what-we-do/) 
    - [401(k) Plan Management](https://scmadvice.com/401k-plan-management/)
    - [403(b) Plan Management](https://scmadvice.com/403b-plan-management/)
    - [Thrift Savings Plan (TSP) Management](https://scmadvice.com/thrift-savings-plan-tsp-management/)
    - [Health Savings Account (HSA) Management](https://scmadvice.com/health-savings-account-hsa-management/)
    - [Wealth Management](https://scmadvice.com/wealth-management/)
    - [Financial Planning](https://scmadvice.com/financial-planning/)
    - [Pension Analysis](https://scmadvice.com/pension-analysis/)
    - [Social Security Analysis](https://scmadvice.com/social-security-analysis/)
- [About SCM](https://scmadvice.com/who-we-are/) 
    - [Our Story](https://scmadvice.com/our-story/)
    - [Our Team](https://scmadvice.com/who-we-are/our-team/)
    - [Quick Facts](https://scmadvice.com/who-we-are/quick-facts/)
- [Who We Help](https://scmadvice.com/our-clients/) 
    - [Getting Organized and On Track](https://scmadvice.com/getting-organized-and-on-track/)
    - [When Can We Retire?](https://scmadvice.com/when-can-we-retire/)
- [Free Resources](https://scmadvice.com/resources/) 
    - [Blog](https://blog.scmadvice.com/)
    - [Quick Guides](https://scmadvice.com/quick-guides/)
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# Scarborough Capital Management Blog

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### Popular posts

- [![Optimizing 401(k) Contributions In 2026: Pre-Tax Or Roth?](https://blog.scmadvice.com/hubfs/401k.jpeg)](https://blog.scmadvice.com/optimizing-401k-contributions-in-2026-pre-tax-or-roth) [Optimizing 401(k) Contributions In 2026: Pre-Tax Or Roth?](https://blog.scmadvice.com/optimizing-401k-contributions-in-2026-pre-tax-or-roth)  by [Gregory S. Ostrowski](https://blog.scmadvice.com/author/gregory-s-ostrowski)
- [![12 Threats to Retirement Many People Aren't Prepared For](https://blog.scmadvice.com/hubfs/April4.jpg)](https://blog.scmadvice.com/12-threats-to-retirement-many-people-arent-prepared-for-1) [12 Threats to Retirement Many People Aren't Prepared For](https://blog.scmadvice.com/12-threats-to-retirement-many-people-arent-prepared-for-1)  by [Jon Szostek](https://blog.scmadvice.com/author/jonathan-w-szostek)
- [![Seven of Scarborough's Financial Advisors Named Five-Star Wealth Managers](https://blog.scmadvice.com/hubfs/SCM-FiveStar-1%20(1).png)](https://blog.scmadvice.com/seven-of-scarboroughs-financial-advisors-named-five-star-wealth-managers) [Seven of Scarborough's Financial Advisors Named Five-Star Wealth Managers](https://blog.scmadvice.com/seven-of-scarboroughs-financial-advisors-named-five-star-wealth-managers)  by [Scarborough Capital Management](https://blog.scmadvice.com/author/scarborough-capital-management)
- [![8 Questions to Ask Yourself Before Making a Major Purchase](https://blog.scmadvice.com/hubfs/SCM-Nov1.jpg)](https://blog.scmadvice.com/8-questions-to-ask-yourself-before-making-a-major-purchase-2) [8 Questions to Ask Yourself Before Making a Major Purchase](https://blog.scmadvice.com/8-questions-to-ask-yourself-before-making-a-major-purchase-2)  by [David Herman](https://blog.scmadvice.com/author/david-herman)

## [When Most of Your Wealth Is Tied Up in One Stock](https://blog.scmadvice.com/when-most-of-your-wealth-is-tied-up-in-one-stock-1)

## [HSAs: One Of The Most Overlooked Retirement Accounts In 2026](https://blog.scmadvice.com/hsas-one-of-the-most-overlooked-retirement-accounts-in-2026)

## [The Retirement Paradox: Why Careful Savers Struggle to Spend](https://blog.scmadvice.com/the-retirement-paradox-why-careful-savers-struggle-to-spend)

## [Six Steps to Get Your Personal Finances Under Control](https://blog.scmadvice.com/six-steps-to-get-your-personal-finances-under-control)

## [When — and How — to Rebalance Your Retirement Portfolio](https://blog.scmadvice.com/when-and-how-to-rebalance-your-retirement-portfolio)

## [6 Financial Strategies That May Work Across Every Stage of Life](https://blog.scmadvice.com/6-financial-strategies-that-may-work-across-every-stage-of-life)

## [How To Maximize A 401k: 10 Tips From a Financial Advisor In Annapolis](https://blog.scmadvice.com/how-to-maximize-a-401k-10-tips-from-a-financial-advisor-in-annapolis-1)

## [Why Aren’t You Participating in Your Employer-Sponsored Retirement Plan?](https://blog.scmadvice.com/why-arent-you-participating-in-your-employer-sponsored-retirement-plan-1)

## [Is Borrowing from Your 401(k) a Good Idea?](https://blog.scmadvice.com/is-borrowing-from-your-401k-a-good-idea)

## [Is an HSA Right for Me?](https://blog.scmadvice.com/is-an-hsa-right-for-me-1)

## [9 Ways Retirees Can Earn Extra Income](https://blog.scmadvice.com/9-ways-retirees-can-earn)

## [What Is a Pension Buyout? Our Pension and Wealth Management Advisors Explain](https://blog.scmadvice.com/what-is-a-pension-buyout-our-pension-and-wealth-management-advisors-explain)

## [Important Facts About a 403(b)](https://blog.scmadvice.com/important-facts-about-a-403b)

## [12 Threats to Retirement Many People Aren't Prepared For](https://blog.scmadvice.com/12-threats-to-retirement-many-people-arent-prepared-for-1)

## [Optimizing 401(k) Contributions In 2026: Pre-Tax Or Roth?](https://blog.scmadvice.com/optimizing-401k-contributions-in-2026-pre-tax-or-roth)

## [How To Begin Financial Planning - Start With 401(k) Management](https://blog.scmadvice.com/how-to-begin-financial-planning-start-with-401k-management)

## [A 401(k) AND an IRA? Financial Advisor Explains Why You'd Want Both](https://blog.scmadvice.com/a-401k-and-an-ira-financial-advisor-explains-why-youd-want-both)

## [Born After 1990? Here’s Your 10-Point Guide to Investing](https://blog.scmadvice.com/born-after-1990)

## [More Than a 401k: Building Real Financial Security at Work](https://blog.scmadvice.com/more-than-a-401k-building-real-financial-security-at-work)

## [Seven of Scarborough's Financial Advisors Named Five-Star Wealth Managers](https://blog.scmadvice.com/seven-of-scarboroughs-financial-advisors-named-five-star-wealth-managers)

## [New Retirement Contributions for 2026](https://blog.scmadvice.com/new-retirement-contributions-for-2026)

## [8 Common, Yet Unnecessary Risks Investors Take in Their Financial Plans](https://blog.scmadvice.com/8-common-yet-unnecessary-risks-investors-take-in-their-financial-plans)

## [New Year, New Financial Goals](https://blog.scmadvice.com/new-year-new-financial-goals-2)

## [10 Ways Your Spending Habits Could Be Jeopardizing Your Retirement](https://blog.scmadvice.com/10-ways-your-spending-habits-could-be-jeopardizing-your-retirement-1)

## [New Year: 16 Financial Resolutions for Every Life Stage](https://blog.scmadvice.com/new-year-16-financial-resolutions-for-every-life-stage)

## [Before Giving to Charity, Ask Yourself These Questions](https://blog.scmadvice.com/before-giving-to-charity-ask-yourself-these-questions-1)

## [How to Make Your Annual Bonus Work as Hard as You Do](https://blog.scmadvice.com/how-to-make-your-annual-bonus-work-as-hard-as-you-do-1)

## [8 Questions to Ask Yourself Before Making a Major Purchase](https://blog.scmadvice.com/8-questions-to-ask-yourself-before-making-a-major-purchase-2)

## [A Helpful Year-End Planning Checklist](https://blog.scmadvice.com/a-helpful-year-end-planning-checklist)

## [When is it Time for a Financial Review?](https://blog.scmadvice.com/when-is-it-time-for-a-financial-review-1)

## [Scarborough Capital Management Celebrates  Recognition as a Forbes Top RIA Firm for the 3nd Consecutive Year](https://blog.scmadvice.com/scarborough-capital-management-celebrates-recognition-as-a-forbes-top-ria-firm-for-the-3nd-consecutive-year)

## [One Big Beautiful Bill Act: What You Need to Know –Tax Planning for Individuals Approaching Retirement](https://blog.scmadvice.com/one-big-beautiful-bill-act-what-you-need-to-know-tax-planning-for-individuals-approaching-retirement)

## [One Big Beautiful Bill Act: What Families Need to Know](https://blog.scmadvice.com/one-big-beautiful-bill-act-what-families-need-to-know)

## [One Big Beautiful Bill Act: What You Need to Know –Key Tax Breaks for Working Americans](https://blog.scmadvice.com/one-big-beautiful-bill-act-part-one)

## [What To Do Now That You’ve Received Your Inheritance](https://blog.scmadvice.com/now-that-youve-received-your-inheritance)

## [14 Questions For Joining Finances With Your Significant Other](https://blog.scmadvice.com/14-questions-for-joining-finances-with-your-significant-other-1)

## [Saving Vs. Investing: Which is More Important?](https://blog.scmadvice.com/saving-vs.-investing-which-is-more-important-2)

## [Sustainable Investing in 2025: A Mainstream Movement](https://blog.scmadvice.com/sustainable-investing-in-2025-a-mainstream-movement)

## [Retirement Planning Annapolis: Understanding Vesting](https://blog.scmadvice.com/understanding-vesting-1)

## [Long-term Care Insurance: What to Know to Help Protect Your Wealth (Part Three)](https://blog.scmadvice.com/long-term-care-insurance-what-to-know-to-help-protect-your-wealth-part-three)

## [Long-term Care Insurance: What to Know to Help Protect Your Wealth (Part Two)](https://blog.scmadvice.com/long-term-care-insurance-what-to-know-to-help-protect-your-wealth-part-two)

## [Long-term Care Insurance: What to Know to Help Protect Your Wealth (Part One)](https://blog.scmadvice.com/long-term-care-insurance-part-one)

## [Not Your (Grand)Parents’ Retirement: How Retirement Planning Has Changed](https://blog.scmadvice.com/not-your-grandparents-retirement-2)

## [Nine Steps to Improve Your Retirement Assets Longevity](https://blog.scmadvice.com/nine-steps-to-improve-your-retirement-assets-longevity)

## [Financial Advice for Young Couples: It’s Never Too Early to Start Planning for the Future](https://blog.scmadvice.com/financial-advice-for-young-couples)

## [The New College Graduate’s Guide to Investing](https://blog.scmadvice.com/new-college-grad-guide-to-investing)

## [What Retirement Might Look Like for Millennials](https://blog.scmadvice.com/retirement-for-millenials)

## [Already Retired? 401(k) Help for Retirees](https://blog.scmadvice.com/already-retired-401k-help)

## [8 Things You Should Consider Doing with Your 401(k)](https://blog.scmadvice.com/8-things-you-should-consider)

## [Roth IRAs vs Traditional IRAs: What You Need to Know](https://blog.scmadvice.com/roth-ira-vs-traditional-ira)

## [Nine-Point Retirement Checklist](https://blog.scmadvice.com/when-can-we-retire-0-0)

## [When Can We Retire? Answer This Question First](https://blog.scmadvice.com/when-can-we-retire)

## [Want to be wealthy in retirement? Get active now.](https://blog.scmadvice.com/want-to-be-wealthy-in-retirement)

## [A Financial Planning Tip All Federal Employees (and Military Personnel) Should Know](https://blog.scmadvice.com/financial-planning-tip-tsp)

## [4 Spring Cleaning Tasks for Your Money](https://blog.scmadvice.com/spring-cleaning-tasks-for-your-money)

## [Roth 401(k)s Grow in Popularity; Financial Advisor in Annapolis Weighs-In on the Trend](https://blog.scmadvice.com/roth-grows-in-popularity)

## [Stress Testing Your Portfolio: 3 Factors to Review](https://blog.scmadvice.com/stress-testing-your-portfolio)

## [The Role of Medicare in Retirement – Are you Prepared?](https://blog.scmadvice.com/role-of-medicare)

## [Scarborough Capital Management Celebrates  Recognition as a Forbes Top RIA Firm for the 2nd Consecutive Year](https://blog.scmadvice.com/scarborough-capital-management-celebrates-recognition-as-a-forbes-top-ria-firm-for-the-2nd-consecutive-year)

## [Scarborough Capital Management Celebrates 35 Years](https://blog.scmadvice.com/celebrating-35-years)

## [6 Things to Teach Your Children About Money](https://blog.scmadvice.com/6-things-to-teach)

[![Scarborough Capital Management](https://blog.scmadvice.com/hubfs/ScarboroughCapitalManagement_June2019/Images/logo.png)](https://scmadvice.com/)

For over 35 years, Scarborough Capital Management has been seeking to help busy people make the most of their money. With affordable 401(k) management services plus full-service financial planning and wealth management, we’re passionate about helping you achieve your financial goals… now and in the future.

#### Contact

- 1906 Towne Centre Blvd.,   
  Suite 260 Annapolis, MD 21401
- **Call:** 410-573-5700 or 800-200-3870  
  **Fax:** 410-573-5708

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**Important consumer information**

This site is for informational purposes only and is not intended to be a solicitation or offering of any security and:

Representatives of Registered Broker-Dealer ("BD") or Registered Investment Advisor ("IA") may only conduct business in a state if the representatives and the BD and IA they represent (a) satisfy the qualification requirements of, and are approved to do business by, that state; or (b) are excluded or exempted from that state's registration requirements.

Representatives of a BD or IA are deemed to conduct business in a state to the extent that they would provide individualized responses to investor inquiries that involve (a) effecting, or attempting to effect, transactions in securities; or (b) rendering personalized investment advice for compensation. We are registered to offer securities in the following states: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY.

Securities offered through Independent Financial Group, LLC (IFG), a registered broker-dealer. Member [FINRA](https://www.finra.org/) / [SIPC](https://www.sipc.org/). Advisory services offered through Scarborough Capital Management, a federally registered investment Adviser under the Investment Advisers Act of 1940. Registration as an investment adviser does not imply a certain level of skill or training. IFG and Scarborough Capital Management are unaffiliated entities

Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.

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