Self Employed Retirement Plans: You Have Options!

  We know that self-employed Americans already have a lot on their plate however we wanted to take the time to discuss retirement plan options that could provide increased benefits over traditional retirement accounts. Certainly, majority a of people are familiar with the traditional 401(k) plan, but when considering small-business retirement plans, there are typically […]

It’s Not Timing the Markets, but Time IN the Markets

Too often investors attempt to time the market and follow media headlines proclaiming the stock market is either headed for new highs or on the verge of a crash. This has been evident over the past few weeks with headlines reading “Dow Volatile After Losing Streak,” “The Trump Stock Market Rally is Under Siege,” and […]

Year-End Financial Check-Up

As we approach the end of the year there are a few financial moves you can make that will help you manage your savings accounts to ensure you are on the path to retirement. These include decisions you can make to help lower your taxes for the year 2016 and planning adjustments you may want […]

Investing & Money in Your 50s

When many people reach their 50s, they may come to the daunting realization that they do not have enough money saved for their retirement.  Furthermore, as modern medicine continues to advance, people are living longer and many financial experts recommend preparing to have retirement funds available to last 40 years or more. Lifestyle plays a […]

Investing & Money in Your 40s

Anyone who is in their 40s and is roughly midway through their career or “work-life” has faced, and hopefully conquered, significant challenges financially and in life and begun focusing on saving for major life events. These can range from the purchase of a new home to planning for a child’s education expenses but retirement planning […]

Investing in Your 30s; The Do’s and Don’ts

In continuation of our discussion regarding certain money mistakes to avoid at the various stages of your investment life, we will continue with those who are in their 30s. With an additional decade of working under your belt, more investment options will arise. Unfortunately, this decade of newfound capital also means more complex expenses to […]

Could An Annuity Be Hurting Your Retirement Goals?

We have written a lot about what we like to invest in for our clients and what we think investors should be doing to prepare for retirement. Over the course of the next few weeks we will be discussing investments that we feel almost every investor can ignore and avoid with complete confidence. These investments, […]

Will Millennials Be Ready for Retirement?

Most millennials, people aged 18 to 34, are unprepared and under educated on the importance of saving for retirement. A survey found that 40% of millennials do not have a retirement savings account, and nearly 75% do not know their own net worth. This is concerning as they are believed to be one of the […]

Is an In Service Distribution Right for You?

We have long understood that the investment choices inside of 401(k) plans certainly have a lot of room for improvement. The fees are high, investment choices are slim, and the options for how and when to invest are limited. For those who are unhappy with their current retirement plan there may be another option for […]

Is Your IRA Distribution Tax-Free? The Answer May Surprise You

In 2015 Congress voted to make Qualified Charitable Distributions (QCD) a permanent part of the tax code. If you have to take a required minimum distribution (RMD) from your IRA account (all of those over the age 70 ½ with traditional IRAs must take them each year), you have the ability to direct that distribution […]

The Benefits of Naming Beneficiaries in Your IRA

For most people, naming beneficiaries for retirement assets or life insurance policies happens one time – when the account or policy is first started. Typically the named beneficiary is their spouse, after that it’s usually their children, at which point it will most likely never be thought about again. While no one likes to think […]

A Social Security Strategy that Could Benefit You

On April 30th, 2016, the Social Security Administration ended the popular claiming technique known as “file and suspend,” which allowed couples to increase their lifetime benefits. Even though this strategy is no longer available, a second strategy, the “restricted application,” is still available to people born before January 1, 1954. What is the “Restricted Application”? […]