--- title: The Pulse | Personal Finance description: Personal Finance | Scarborough Capital Management continues to make waves in the media. That's right—the same folks who advise you. 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[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/) - 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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 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) By: [Jon Szostek](https://blog.scmadvice.com/author/jonathan-w-szostek) Aug 26, 2026 Company stock can build real wealth — and quietly concentrate your risk. 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Retirees today are much more\[...\] [Read More](https://blog.scmadvice.com/9-ways-retirees-can-earn) ##### [How To Begin Financial Planning - Start With 401(k) Management](https://blog.scmadvice.com/how-to-begin-financial-planning-start-with-401k-management) By: [Ryan Ansted](https://blog.scmadvice.com/author/ryan-ansted) Mar 26, 2026 The thought of financial planning can be intimidating, especially if you’re just getting your feet wet. Maybe you have just launched your career or\[...\] [Read More](https://blog.scmadvice.com/how-to-begin-financial-planning-start-with-401k-management) ##### [Born After 1990? Here’s Your 10-Point Guide to Investing](https://blog.scmadvice.com/born-after-1990) By: [David Sizemore](https://blog.scmadvice.com/author/david-sizemore) Mar 04, 2026 If you were born in the 1990s, chances are you have a pretty busy life with mounting financial responsibilities. Maybe you have student loans, a\[...\] [Read More](https://blog.scmadvice.com/born-after-1990) ##### [New Retirement Contributions for 2026](https://blog.scmadvice.com/new-retirement-contributions-for-2026) By: [Scarborough Capital Management](https://blog.scmadvice.com/author/scarborough-capital-management) Feb 11, 2026 [Read More](https://blog.scmadvice.com/new-retirement-contributions-for-2026) ##### [New Year, New Financial Goals](https://blog.scmadvice.com/new-year-new-financial-goals-2) By: [Ian Arrowsmith](https://blog.scmadvice.com/author/ian-arrowsmith) Jan 21, 2026 It’s that time of year when we realize we may have indulged a little too much over the holidays, and maybe our bank account is feeling the impact.\[...\] [Read More](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) By: [Joshua P. Goldsmith](https://blog.scmadvice.com/author/joshua-p-goldsmith) Jan 07, 2026 Time is one of the most important ingredients in the recipe for a financial plan. Earning and saving money is important, of course, but Father Time\[...\] [Read More](https://blog.scmadvice.com/10-ways-your-spending-habits-could-be-jeopardizing-your-retirement-1) [All posts](https://blog.scmadvice.com/all) [Next](https://blog.scmadvice.com/tag/personal-finance/page/2) [![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. 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