--- title: The Pulse | financial advisor (2) description: financial advisor | 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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[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/) - 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[401(k) (1)](https://blog.scmadvice.com/tag/401k) - [Investing (1)](https://blog.scmadvice.com/tag/investing) See all ### 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 is it Time for a Financial Review?](https://blog.scmadvice.com/when-is-it-time-for-a-financial-review-1) By: [Ryan Ansted](https://blog.scmadvice.com/author/ryan-ansted) Nov 13, 2025 With 2025 almost behind us, you may look back over the last 12 months with anxiety, confusion, and relief that a new year is now upon us. [Read More](https://blog.scmadvice.com/when-is-it-time-for-a-financial-review-1) ##### [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) By: [Scarborough Capital Management](https://blog.scmadvice.com/author/scarborough-capital-management) Oct 22, 2025 PART 3 of our 3-Part Series Breaking Down the New Tax Law Changes [Read More](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) By: [Scarborough Capital Management](https://blog.scmadvice.com/author/scarborough-capital-management) Oct 15, 2025 PART 2 of our 3-Part Series Breaking Down the New Tax Law Changes [Read More](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) By: [Scarborough Capital Management](https://blog.scmadvice.com/author/scarborough-capital-management) Oct 01, 2025 PART 1 of our 3-Part Series Breaking Down the New Tax Law Changes [Read More](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) By: [Shawn J. 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Investing: Which is More Important?](https://blog.scmadvice.com/saving-vs.-investing-which-is-more-important-2) By: [Jay Sprinkel](https://blog.scmadvice.com/author/jay-sprinkel) Aug 27, 2025 Putting your money to work is one of the core pillars of wealth-building. This common but powerful mantra is the driving force behind strategically\[...\] [Read More](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) By: [Scarborough Capital Management](https://blog.scmadvice.com/author/scarborough-capital-management) Aug 20, 2025 Originally published in U.S. News & World Report on June 15, 2015 – Updated for clarity and timeliness in 2025. [Read More](https://blog.scmadvice.com/sustainable-investing-in-2025-a-mainstream-movement) ##### [Retirement Planning Annapolis: Understanding Vesting](https://blog.scmadvice.com/understanding-vesting-1) By: [David Herman](https://blog.scmadvice.com/author/david-herman) Aug 13, 2025 When it comes to retirement planning (in Annapolis, or anywhere, for that matter), “vesting” is an important term to understand. [Read More](https://blog.scmadvice.com/understanding-vesting-1) ##### [Nine Steps to Improve Your Retirement Assets Longevity](https://blog.scmadvice.com/nine-steps-to-improve-your-retirement-assets-longevity) By: [Gregory S. Ostrowski](https://blog.scmadvice.com/author/gregory-s-ostrowski) Jun 11, 2025 One of the most common questions we are asked is, “What should I be thinking about when nearing or considering retirement? As a financial advisor in\[...\] [Read More](https://blog.scmadvice.com/nine-steps-to-improve-your-retirement-assets-longevity) [Previous](https://blog.scmadvice.com/tag/financial-advisor/page/1) [All posts](https://blog.scmadvice.com/all) [Next](https://blog.scmadvice.com/tag/financial-advisor/page/3) [![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 #### Navigate - [Why Choose SCM?](https://scmadvice.com/why-scm/) - [What We Do](https://scmadvice.com/what-we-do/) - [About SCM](https://scmadvice.com/who-we-are/) - [Who We Help](https://scmadvice.com/our-clients/) - [Free Resources](https://scmadvice.com/resources/) - [Blog](https://blog.scmadvice.com/) - [Contact Us](https://scmadvice.com/contact-us/) ##### Find on Social: - - **![Broker Check logo](https://blog.scmadvice.com/hs-fs/hubfs/Broker%20Check%20logo.png?width=140&name=Broker%20Check%20logo.png)** **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. [View Part 2 of Our ADV](https://scmadvice.com/wp-content/uploads/2025/04/SCM-Part-2A-of-Form-ADV-04012025.pdf)     [View Our CRS](https://scmadvice.com/wp-content/uploads/2024/04/SCM-CRS-3-22-2024.pdf)     [SCM Privacy Policy](https://scmadvice.com/wp-content/uploads/2024/04/Privacy-Policy-3.2024.pdf) Copyright 2025. Scarborough Capital Management. All rights reserved.