Get to Know Rachel Hardy, Bookkeeper

Rachel Hardy, a Bookkeeper at Orcutt Financial, works at our West Chester office. Rachel has been with our team for almost a year and a half.

On a day-to-day basis, you can find Rachel reconciling bank accounts and making sure financial statements are accurate and up-to-date for clients. She also helps to ensure individual 1040 clients are taken care of and all their questions are always answered.

Keep reading to learn what Rachel enjoys doing outside of work and who she looks up to.

What do you enjoy about your role? I love helping clients and making sure that they are happy and feel confident in the work we give them.
What was your first job? It was at Cracker Barrel.
What’s your favorite food? Mac and cheese.
How do you spend time outside of work? Schooling, running, traveling, and going to Target.
Who do you look up to? My parents. They are some of the most hard-working people I know and do anything and everything to make sure that my sister and I are happy.
What’s your favorite vacation destination and why? Anywhere on a beach. It’s calming and I love the warmth and the sound of the ocean.
What’s your favorite food? Strawberries and whipped cream.
What’s a book you’d recommend? “Girl, Stop Apologizing” by Rachel Hollis.
If you were stranded on a desert island, what three items would you want to have with you? Sunscreen, music, and water.
70s, 80s, 90s: Which decade do you love the most and why? 90s because I grew up in the 90s and it would be nostalgic.
Retirement Revised

What exactly are the aspects of retirement that you should be aware of?

The list is much longer than this, but here are just a few factors that are great to be aware of, no matter your age:

We’ve living longer. The average life expectancy is now around age 79! Being that it’s an average, you may live past this age—which is great—but that also means you’ll need more savings.

It also means you may work longer, which can help bump up the potential for savings, too. Either way, it needs to be accounted for when looking at retirement.

Healthcare costs are rising. Healthcare is expensive, and in many cases, is more expensive as you age. All in all, there is also a great deal of uncertainty about the future of healthcare-related costs. For now, it’s likely that you’ll want to plan and save for expensive healthcare.

Work your plan. Successful retirement saving is most effective when you have a plan and when you start as early as possible with those strategies. But, consider how it’s never too late to start planning for your retirement!

Reach out to us for more information on how to create or modify your retirement plan, including how you can overcome common retirement savings obstacles. Give us a call today: (513) 576-1989.

Why Estate Planning Matters for Everyone

Ask the average person about estate planning, and they may think “Well, that’s for the rich!”

That’s not true, and at some level, estate planning is necessary for everyone.

Here are just 5 areas of your life that estate planning impacts:

1.   Your assets. What will happen to your assets when you die? Planning for death doesn’t bring it closer, but it does ensure you can dictate how these assets will be passed on.

2.   Your wishes. Among other scenarios, if you can’t make your own medical decisions, for example, who will act in your interest? You can also have someone who can act in your financial interest if you can’t do so for yourself. 

3.   Your children. If you have minor children, do you know what would happen if you were to die? You can name guardian(s) to ensure your children are taken care of.

4.   A blended family. A will brings great clarity to what can be a complex situation in your family.

5.   Your adult family members. You can put your intentions for certain heirlooms and other items of value to you and your family in your will. This can also help prevent future misunderstandings or conflict.

Want to learn more about estate planning? We’re here to answer your questions and help you plan for the future. Give us a call today: (513) 576-1989.

Orcutt & Company, CPA's, Ltd.
936 State Route 28, Milford, OH 45150

This office does not conduct any securities business.
9624 Cincinnati-Columbus Road STE 201, Cincinnati, Ohio 45241

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer member FINRA/SIPC. Advisory services through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Cambridge and Orcutt & Company, CPAs, Ltd. are not affiliated.
Orcutt & Company CPA's Ltd. All Rights Reserved. 
Orcutt & Company is a Dave Ramsey ELP
(Endorsed Local Provider).