Scarborough Capital Management
Helping busy people make smarter financial decisions.
August 21, 2026
Most people treat their health savings account like a rainy-day fund for copays and prescriptions — not a retirement account. But new, higher contribution limits for 2026, combined with expanded HSA eligibility rules under the One Big Beautiful Bill Act, have made the HSA one of the most powerful — and most overlooked — tools in the tax code.
July 31, 2026
Most people have a general sense of what they earn. Far fewer have a clear picture of what they spend — and an even smaller number have a real system for connecting the two. That gap is where financial stress lives.
July 17, 2026
Life has a way of throwing financial curveballs — sometimes one after another. A new job, a wedding, a baby, a parent who needs help. Each one comes with a different financial priority, and sometimes they all arrive at once.
June 25, 2026
The GM Salaried Savings Plan is one of the stronger defined contribution plans offered by any major employer. It comes with a broad lineup of investment options, a company match, and — for employees with larger balances — access to Fidelity BrokerageLink®, which opens up a significantly wider investment universe. But many GM employees treat …
June 22, 2026
AT&T employees have access to a comprehensive benefits package — a 401(k) savings plan, a defined benefit pension for many employees, and a range of other retirement programs.
May 25, 2026
General Motors has a long history of offering pension buyouts to both current employees and retirees, including programs large enough to make national news. If GM has offered you a buyout, or you think one may be coming, understanding how to evaluate it is one of the more important financial tasks you’ll face.
May 13, 2026
A pension used to be a common source of income in retirement, but today, many employers are shifting away from these plans and offering other options instead. Because of this, not all financial advisors understand the idiosyncrasies of these plans.
April 15, 2026
If you’re still contributing to your 401(k) the same way you were five years ago—same percentage, same tax treatment—you may be leaving opportunity (or flexibility) on the table.
December 29, 2025
It’s that time of year when we realize we may be indulging a little too much, and maybe our bank account is feeling the impact. But not to worry.
June 11, 2025
One of the most common questions we are asked is, “What should I be thinking about when nearing or considering retirement? As a financial advisor in Annapolis, our team will tell you that it’s critical to review your personal finances, plan how to spend money after you retire, and understand retirement asset allocation.
February 6, 2025
It’s around this time of year when we realize that winter has caused us to collect some clutter around the house, and that the windows and carpets could use a good cleaning. These things jump out at us, since it’s easy to see a stain on the rug or magazines piled up in a basket.
June 26, 2024
When people think of financial planning, their focus is on saving money and planning for the future, which is great. But it gets them to think, “Do I really need a financial advisor?