What’s on our mind? You can read about it in our blog. Whether it’s ideas from the industry or emerging trends, you can read about it here. And once in a while, we may throw in a movie review or some other surprise. So keep checking in. We’re glad to have you reading along.
Monday, October 1, 2018
RETIRING WITH A PENSION? DON’T MAKE THIS MISTAKE If you’re retiring with a pension, one of the biggest decisions you’ll make is if to take a higher life-only annuity or a joint and survivor benefit that offers a lower...
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Wednesday, September 12, 2018
Long term care insurance has long protected against the chance that the devastating costs of long term care will deplete a family’s savings, and has prevented many from being forced into life-changing, unwanted living situations....
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Wednesday, August 29, 2018
Have you ever wondered what the most expensive thing you own is? Is it your house? Your cars? Your portfolio? It has taken me years to figure it out, but I think it is my ego. That’s right, my ego has cost me dearly both in time...
Read MoreOur firm specializes in financial planning, specifically as it relates to retirement planning. We run across of a lot of people that we call "Spreadsheet Warriors." These are people who meet with us and spend a fair amount of time...
Read MoreTHE QUALIFIED CHARITABLE IRA DISTRIBUTION What if you could make an IRA distribution non-taxable? If you are at least age 70-1/2 - the age when you are required to take minimum distributions from your IRA – you probably can! The...
Read MoreI apologize, I got shooting on the brain. Clays for CASA is just around the corner and Laura and I looking at shooting a couple of tournaments in Tennessee. One of the common mistakes we make is we don't take the time to pattern our...
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Thursday, August 2, 2018
My wife/ business partner and I shoot sporting clay's together and we compete in registered and non-registered shoots whenever we can. We love being around people while enjoying the outdoors and you can find us at least twice a month...
Read MoreIf your employer-sponsored retirement plan offers pre-tax, Roth, and/or non-Roth after-tax contributions, which one should you choose? Start by understanding the features of each. Pre-tax: For those who want lower taxes now Pre-tax...
Read MoreHave you ever heard the following? You should be fine withdrawing 4% annually from your investments in retirement. It doesn’t make sense to pay off your mortgage when the interest is tax-deductible and you can get a better return...
Read MoreIf you are not sandwich meat right now, you probably know someone who is. It’s not very tasty being squeezed between kids heading off to college and the needs of aging parents, and at usually right about the time your career is...
Read MoreFinancial advisors thrive on numbers. What‘s the return on your portfolio? How well is it doing compared to the index? Need a financial plan? We’ll gather up all your numbers and put them into our software program that...
Read MoreThe Tax Cuts and Jobs Act passage in December made major changes in tax law. Most everyone has made decisions on buying homes, getting home equity loans, paying mortgages, making donations, and funding college – among others -...
Read MoreMy wife Laura and I are out in the community a lot and are often asked “what do you do?” When we answer that we are retirement specialists, more often than not, the response is “I’ll never retire.” How...
Read MoreHow you’ve spent your time and your money. How you’ve saved, gifted, and invested. It increases the risks of things that are out of your control - like inflation, interest rates, health care, and the economy. And it brings...
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PAYING OFF THE MORTGAGE You’ve probably asked – should I pay off my mortgage? Advice from one corner will say - no! If you have a low interest mortgage, and the interest is tax deductible, couldn’t you make more by...
Read MoreWHAT IS A SAFE WITHDRAWAL RATE? If you’ve studied about withdrawing an income from your investment accounts, you’ve likely encountered the “safe” withdrawal rate. The annual percentage of your total investments...
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Friday, May 18, 2018
WHEN TO TAKE SOCIAL SECURITY? A hot topic in retirement planning these days is the best time to begin Social Security benefits. When you approach age 62 – the earliest most people can begin – it becomes tempting to...
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