Ask Ralph Blog

Why Should I Designate a Trust as a Retirement Account Beneficiary? Planning for the future is essential, especially when it comes to ensuring that your hard-earned retirement savings are distributed according to your wishes. Is Securing Your Heirs…

What are Some New Tax Issues Facing Us in 2025? Tax laws are set to undergo significant changes in 2025. For individuals, families, and small business owners, these adjustments could reshape financial plans and tax strategies. Let’s break dow…

Exploring the Credit Score Obsession and What Really Matters For many, achieving an 800 credit score feels like a financial holy grail. But is the stress of reaching this milestone truly worth it? In this blog post, 'Does a Perfect Credit Score Mat…

What Are 7 Warning Signs That My Computer Has Been Hacked? In today’s digital age, protecting your computer from cyber threats is more crucial than ever. With ransomware attacks and data breaches becoming more prevalent, knowing the early war…

Why Should I Choose a Credit Union over a Traditional Bank? In today’s world, choosing the right financial institution is more important than ever. If you’re deciding between a credit union and a traditional bank, understanding the diff…

How Can We Express Our Love for Christ in Our Daily Lives? Living a Christ-centered life involves more than attending church or saying prayers—it’s about reflecting His love in our daily actions. In this blog, we share practical ways to…

How Can I Find Financial Harmony with My Partner? Money can be a source of tension in even the strongest relationships. If you’ve ever found yourself avoiding conversations about finances with your spouse or partner, you’re not alone. I…

What Are the 9 Steps I Can Take Right Now for a Better Tax Situation Next Year? Tax season can be a daunting time, but proactive planning can make all the difference. In this blog post, we explore 9 actionable steps to set yourself up for a smoothe…

What Are 11 Tax-Related New Year’s Resolutions I Should Adopt? With the New Year comes an opportunity to re-evaluate your financial habits and implement resolutions that can improve your tax situation. In this blog post, we’ll outline 1…

What are 5 common investment choices which kill your returns?  Have you ever wondered why your investment portfolio isn’t growing as expected? Poor investment choices might be to blame. In this episode of The Ask Ralph Show, Ralph Estep …