Gernon, Muth & Associates

22 W. Pennsylvania Ave Bel Air, MD 21014

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HOT TOPIC: Moody’s Downgraded U.S. Debt — Does It Matter?

On May 16, 2025, Moody’s Ratings downgraded U.S. government debt from its highest rating of Aaa to Aa1. This article looks at the reasons for the downgrade and its potential effects.
HOT TOPIC: The Social Security Fairness Act Increases Benefits for Millions

This article explains what will be changing and who can expect to receive higher Social Security benefits due to the Social Security Fairness Act.
Cancer Happens: Insurance Can Help Fortify Your Finances

Although it’s scary to consider the possibility of a cancer diagnosis, it might be helpful to prepare for the financial implications.
Avoiding Probate with a TOD Deed and TOD Account

In many states, a transfer-on-death (TOD) deed and/or account can help avoid probate without the cost and complexity of a trust.