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Retirement. You’ve spent all your life preparing, dreaming and working towards that day when you get to trade your morning commute for a cruise to the Bahamas or grab a set of golf clubs on your way out the door instead of your briefcase. Whatever your ideal retirement looks like, they should all have a few things in common: Relaxing, fulfilling, secure, etc. But what you shouldn’t have to do is worry about money or pick up extra work out of necessity or financial hardships. To help make sure that your retirement years are some of the best of your life, take these three steps towards financial wellness.

Buying a home in a seller’s market can be challenging. While housing market conditions may be less than ideal, there are still benefits to buying a property versus renting. Use these tips to stay ahead of the competition and land the house you’ve always wanted.

The steps below are designed to help you create a financial plan and give you access to helpful resources.

Money means different things to different people and can motivate people in unique ways. When thinking about how to manage your personal finances, remember that there is not a perfect, one-size fits all strategy. Adapt plans to your personality so that they are easy to follow through on and rewarding. While money is important, it is a tool meant to make your life better and shouldn’t rule your life. The first step to having a better relationship with money, is to first know yourself. Take this quiz to find out your money personality.

The decision to buy a home can be both exciting and terrifying all at the same time. Homeownership is what many of us strive for—to be able to have a home that we can call our own, as well as a real estate asset we can use to build our personal wealth. It is a big step to take. At the same time, though, the process of buying a house can be overwhelming. Understanding the step-by-step process in purchasing a home can help make the home-buying experience a more positive one for you and your family and can help reduce the additional stress that comes with this life-changing decision.

With a variety of mortgage loan options available, a strong credit score and positive credit history can give you a lot of buying power. But, how much should you consider spending on a home? Financial planners recommend less than 2.5 times your gross annual salary or income OR less than 30% of your take-home pay.

A reasonably priced home should cost less than 2.5 times your annual gross income, the amount you earn from all sources before taxes. If you have significant debt, like student loans, you may need to adjust your price range to leave room in your budget for other loan payments. 

Another rule of thumb is to have your total monthly housing expense – including your new mortgage payment, property taxes, home insurance and mortgage insurance – make up no more than 30% of your take-home (after-tax) income. 

Home equity lines of credit (HELOC) have a wide variety of uses. Read this article to learn more about how they work and how they can help you tackle your next project.

Use this calculator to estimate your rate and monthly loan payment for a car, motorcycle, recreational vehicle or personal loan. You can also use this calculator to contact an Ent Lending Specialist. 

Paying off student loans is a top financial priority for many people, but it can be confusing and hard to navigate. Many people don’t understand how student loan debt works or what their options are to reduce their payments. Read this article to learn more about student loans and what options you have to pay them back.

Watch this video to learn more about the different types of investment vehicles and how they can be used for different investment goals and scenarios.

Credit plays an important role in our financial lives and keeping a good score is essential. Avoid these seven things that can significantly damage your credit score.

Many of us store personal, sensitive and confidential information on our digital devices. This makes them an attractive target for scammers and criminals. Follow best practices in these areas to help keep your devices secure: