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Friday, August 20, 2021

When should you start Social Security? Social Security is and probably will remain one of the most misunderstood topics in financial planning. The dangerous part about that is that Social Security, and specifically the decision of...

Monday, August 16, 2021

What is Government Pension Offset? Government Pension Offset is a provision that pertains to Social Security and whether a survivor benefit will be paid to you in the event that your spouse passes away and you receive a Government...

Wednesday, July 28, 2021

How Do Annuity Fees work? It's a question I hear regularly from clients. The short answer is that each annuity and annuity type have different fees or expenses. Keeping reading to find out more. Up First: Fixed Annuities I'll get...

Thursday, July 15, 2021

What is Income for Life and How Does it work? You often hear of investment vehicles and advisors talking about creating "Income for Life". I don't know about you, but income for life sounds like a pretty good idea to me. That being...

Tuesday, July 13, 2021

How Do You Actually Make a Roth Conversion? Everyone is always talking about Roth conversions. As we have seen more and more government spending, and as balances in tax deferred accounts like Traditional IRA's and 401(k)'s grow and...

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Monday, June 28, 2021

3 Things to do Before You Retire! Retirement is tricky! It involves a number of life-altering decisions that you only make once in your lifetime. Most of these decisions will have a major impact on your life from your retirement date...

Tuesday, April 27, 2021

Planning for Retirement? There are so many different ways to plan for retirement that it can be overwhelming. Because of this, many people are trying to find answers online and come across what is called the "4% Rule." What is the 4%...

Tuesday, April 20, 2021

You'll see commercials and read articles that tell you exactly how much money you should have for retirement. This is also called your "Retirement Number," and it's kind of a myth. There is no set amount of money that you should have...

Monday, April 12, 2021

What are the Rules Regarding Working While Collecting Social Security? This is a very commonly asked question; social security has a lot of layers, and there is a lot that goes into it. That being said, the information in this...

Monday, April 5, 2021

No matter how old you are, no matter what type of savings vehicles you are using, assessing the risk in your portfolio every so often is essential. Why is Right Now the Best Time to Evaluate the Risk in Your Portfolio? Right now is a...

Tuesday, March 30, 2021

What is a Tax Deferral? Tax deferral is really one of the most misunderstood aspects of investing in financial planning. Tax deferral is essentially are you going to pay taxes on the money when you earn it, or are you going to pay...

Monday, March 22, 2021

As we have discussed in previous blogs, the main advantage of a Roth IRA is that it can provide tax-free money in retirement. You put money away, and it grows tax-deferred so you can use it tax-free in retirement. The main drawback or...

Monday, March 15, 2021

What is a Roth IRA? The Roth IRA was established in 1997, named after the Senator William Roth of Delaware, who proposed the idea. Basically, Roth money, whether it goes into a Roth IRA or Roth 401k, is money that goes in after-tax....

Tuesday, March 9, 2021

In December of 2019, the Secure Act was passed. The secure act was a major piece of retirement legislation that created a lot of changes for retirement planning - some good and some bad. This act pushed back when you could take a...

Tuesday, March 2, 2021

1. Waiting Too Long As odd as it sounds, waiting too long to start drawing from those accounts. Many people who are early in their retirement are hesitant to start withdrawing from their retirement savings. It is important to remember...

Monday, February 22, 2021

What is an Annuity? An annuity, in its most basic form, is an account or a contract with an insurance company. The thing about annuities is that there are many different types just like cars. Some people need larger cars to move their...

Tuesday, February 16, 2021

What is a Roth Conversion? This is one of the most commonly asked questions in the retirement savings world. A Roth account is another way that you can save for your retirement. But let's start by talking about your traditional saving...

Tuesday, February 9, 2021

There is no one way to build your retirement savings- everyone is different, has different bills and other expenses that they will have to pay each month, and therefore, the way you build your savings will be different. Let's Look at...

Tuesday, February 2, 2021

Everyone wants to have a financially secure future, but more often than not, people are overwhelmed by all of the terminology and strategies used by financial advisors. Our team is here to help our clients really understand the...

Monday, January 25, 2021

What is a Bucket Financial Strategy? A bucket financial strategy or bucket financial plan is a method of separating your money into different categories, or buckets, to help you manage your finances and plan for a successful future....

Wednesday, January 20, 2021

We work with individuals and families who really value having someone in their corner to help them plan for their financial future. We act as a financial coach, guiding them through all of the different decisions in their financial...

Wednesday, January 13, 2021

In its simplest form, a financial plan is a way of taking control of your finances and realizing your goals for the future. There are a lot of steps along the way, but at the end of the day, a financial plan really is an essential...