Blog


Jan

30

2015

5 Things to do Before You Retire

1. Rethink Your Investment Strategy:  The past 30 years you have been in the accumulation stage, now you are in the distribution phase. Growth is still important, but more emphasis should be on income and keeping pace with inflation. 2. Review Your Estate Plan: Make sure your will and trusts accurately reflect your new style of life. You would be amazed how many people we...

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Jan

19

2015
Investing… A Game of Patience and Understanding

Investing… A Game of Patience and Understanding

When I first read this quote, I was put back with how simple it was. Yet, it was so very true. I have often said that investing by itself is not very difficult. It’s the “other stuff” that goes with it that complicates the issue. Like trying to invest long term in a very short term world. Also, expecting every investment in a portfolio, in...

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Jan

13

2015

You’ve Lost Your Job… Now What?

Losing your job can be a very traumatic time. While you should start looking for a new job as soon as possible, it may take you time to find what’s next. Here are a few things to consider during this transitional period of your life: File for unemployment: Every state has different features so be sure you research your state. Even though you may have...

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Jan

07

2015

Getting married? Time to get started!

If you’re recently married (or engaged), congratulations! There is no doubt you are agonizing on how to pay for your “big day” but let’s not forget about what happens after that day… the rest of your life! With money being a major cause of divorce let’s make sure you form the correct habits for you and your spouse right from the beginning. To take the...

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Dec

16

2014

Are you Financially Fit?

Well, it’s the time of year in which we reflect on what has passed and look ahead to a new year fast approaching. It’s also a great time of the year to see if you are financially fit. Take this short quiz to see how you are doing: Answer Yes or No to the following: I contribute to my retirement plan at work at least...

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Dec

06

2014

Starting Over After Your Nest Egg Is Gone

We don’t plan for cataclysmic events but when they happen to us, they can be devastating, both emotionally & financially. Extensive medical bills, job loss, and divorce are some of the top reasons that retirement nest eggs are depleted. Sometimes we have to help out our children unexpectedly, or take care of mom and dad as they grow older. This is life, and it’s not...

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Nov

24

2014

Which is worse, Outliving your money or death?

The answer may surprise you! A new survey from Wells Fargo shows 22% of people say they would rather die early than not have enough cash to live comfortably in retirement. Another survey by Allianz Life shows that 77% of people in their late 40’s worried more about outliving their money in retirement than death itself.  There is no question that this speaks of the...

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Nov

06

2014

To Convert or Not to Convert

Should you convert your Traditional IRA to a Roth IRA? Well, I don’t know; the answer will depend on what’s best for your unique situation. Let’s looks at how it works. If you have a Traditional IRA you are allowed to convert the account to a Roth IRA. There are no longer income caps to convert. The value of the account becomes taxable income in...

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Oct

24

2014
Start Now! – Financial Education

Start Now! – Financial Education

When it comes to teaching your children about money, the sooner you start the better. I have seen parents let their kids pick a stock or two (just for fun!) of companies that they are familiar with. The obvious ones being Disney or Mattel1. This is where learning about investing can be fun and educational! There are a variety of websites and organizations that are...

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Oct

09

2014

Is A Plan In Your Future?

According to Allianz Life, at the end of 2013 only 16% of Americans were including Financial Planning in their 2014 New Years Resolutions. Believe it or not, that was less than half who included Financial Planning in their resolutions in 2009. Why? Why is setting up a Financial Plan so difficult or uninteresting to the majority of people? Here are some common answers: – 26%...

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