Diversification, Patience, and Consistency

Three important factors when it comes to your financial life. Regardless of how the markets may perform, consider making the following part of your investment philosophy: Diversification. The saying “don’t put all your eggs in

TOD or Living Trust?

A look at two basic methods for shielding assets from probate.   How do you keep assets out of probate? If that estate planning question is on your mind, you should know that there are

Taking a Loan from Your Retirement Plan = Bad Idea

Why you should refrain from making this move. Thinking about borrowing money from your 401(k), 403(b), or 457 account? Think twice about that because these loans are not only risky, but injurious, to your retirement

How Retirement Spending Changes With Time

Once away from work, your cost of living may rise before it falls.  New retirees sometimes worry that they are spending too much, too soon. Should they scale back? Are they at risk of outliving

Traditional vs. Roth IRAs

Perhaps both traditional and Roth IRAs can play a part in your retirement plans. IRAs can be an important tool in your retirement savings belt, and whichever you choose to open could have a significant

Retirement Plan Contribution Limits Increase for 2019

We have some exciting news to report for 2019 for those who are contributing to their retirement accounts!  The IRS recently announced increases to the annual contribution limits to various types of retirement plans for

Tax Considerations for Retirees

Are you aware of them?      The federal government offers some major tax breaks for older Americans. Some of these perks deserve more publicity than they receive. If you are 65 or older, your

Debunking a Few Popular Retirement Myths

It seems high time to dispel some of these misconceptions. Generalizations about money and retirement linger. Some have been around for decades, and some new clichés have recently joined their ranks. Let’s examine a few.

What People Overlook When Shopping for Life Insurance

A few realities that must be acknowledged. Shopping for life insurance means paying attention to detail. In scrutinizing these details, however, some fundamental, big-picture truths may be ignored. If you want to renew or upgrade

Who Is Your Trusted Contact?

This vital investment account question should be answered sooner rather than later. Investment firms have a new client service requirement. They must now ask you if you want to provide the name and information of