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Thursday, January 19, 2023

SECURE 2.0 is a significant piece of legislation that addresses some of the challenges faced by those at different stages of saving for retirement as well as those already in retirement. 

Friday, April 23, 2021

IRMAA, which stands for Income Related Monthly Adjustment Amounts, doesn’t get a lot of run in the media, maybe because it’s boring and sad, but we’re going to shine a little light on some legal and ethical ways to...

Friday, March 19, 2021

Recently, Congress passed another bill to provide additional stimulus to the economy in an attempt to combat some of the economic hardships experienced due to the Covid-19 pandemic. Most are aware of the legislation because of the...

Tuesday, October 13, 2020

For Employees: Are your workplace retirement plan contributions in line with your goals and are you taking full advantage of the company match, if applicable? Have you had a change in the number of dependents, and do you need to adjust...

Friday, July 31, 2020

I'll try to highlight some key points in the recording so that you can skip around to specific questions that interest you. Have a look below. Also, keep in mind that while playing the video, you can hit the gear icon on the bottom of...

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Thursday, May 21, 2020

So something happened today, that likely you are aware of. Thanks to your questions, we did our first Ask Us Anything. We covered a variety of topics that you requested. Wouldn't say we are pros at this video thing but enjoyed the...

Tuesday, April 7, 2020

The CARES Act Hopefully, by now most of you have heard of the recent relief package passed in Congress and signed into law by the President. The bill, known as The CARES Act (Coronavirus Aid, Relief, and Economic Security Act) will...

Thursday, February 20, 2020

This is, for now, the third and final post related to the changes brought about by the SECURE Act. The first two can be found here and here. As promised, we’ll discuss the impact on QCDs (Qualified Charitable Distributions),...

Wednesday, February 12, 2020

We introduced the SECURE Act in a previous blog post at a higher level here, now we’re going to getting into the nitty-gritty and discuss how this *might* impact you from a planning standpoint. To review, two of the major changes...

Tuesday, February 4, 2020

For most of you, if you haven’t come to see us already in 2020, this might seem like a trick question. Many people aren’t aware of the existence of the SECURE Act, but it’s an important piece of legislation that was...

Friday, September 6, 2019

For all you locksmith buffs out there, I need to apologize. This really isn’t (for the most part) about locksmiths at all. I want to talk just a little about the cost of financial advice as it relates to the value received by the...

Thursday, July 11, 2019

In financial planning, it’s most often the ‘what’ that comes to the forefront - the return, the investments, the effective tax rates, the facts about retirement timing and income and so on. The ‘why’ is...

Friday, May 17, 2019

(Opens door, shows self out.) When it comes time for some to reach out for help in the world of financial advice, the unknowns can feel overwhelming. While it’s true that a multitude of professionals exist in the space and land...

Wednesday, April 10, 2019

Before I get into this post, I want to address what you all are obviously thinking – this blog post is going to be incredible. You’re absolutely right, it is. People go to bed at night and dream about the possibility of...

Monday, March 4, 2019

In a financial planning firm, the simplest version of what we do is to listen to a person’s goals and help them figure out how to best achieve them. While that seems easy enough in theory, in practice It tends to be more of a...

Wednesday, January 30, 2019

It’s been a little while since the last blog post and a lot has changed since then – new name, team member, and location. We’ve been busy around here and the start of new calendar years doesn’t tend to slow...

Friday, October 26, 2018

Not the kind of words that most would happily accept coming out of the mouth of their financial advisor, but in my opinion, a reasonably honest assessment of what it takes to create an investment strategy. The last several weeks have...

Thursday, August 23, 2018

Much of what has been written on this blog over the course of the past year or so deals in one way or another with the need to have a financial plan and to use it as the compass for financial decisions. If you’ve read most or all...

Friday, July 27, 2018

One of the things that tends to change pretty drastically for those transitioning from working into retirement (besides going from living a life with meaning to one in which your enjoyment is derived solely from how close your guesses...

Friday, July 13, 2018

(That’s poorly written clickbait, but if I had another title referencing pensions, I didn't think anyone would read it. So let's talk pensions.) Recently, I wrote a post about pensions and within the post, spoke a bit about the...

Friday, June 29, 2018

In a previous blog, I wrote about what good advice looked and felt like and what it would cost you. I touched on some things that I thought were important, but in terms of being on the receiving end of it and not knowing for sure...

Friday, June 29, 2018

When deciding between a lump sum or a pension payout, there are a multitude of factors that should be considered (you could certainly argue for more than five), most of which involve some level of subjectivity, but all of which could...

Thursday, May 10, 2018

June 26, 2018 at 8:47 a.m. – that is the precise moment in time that it makes the most sense to build a financial plan. It’s obvious, right? No you say? Well then when is it? Of course there’s no “right”...

Monday, April 9, 2018

When most people talk about Monte Carlo, they’re either referring to a place in Monaco that’s informally associated with gambling and casinos, the likes of which is depicted in movies, including multiple James Bond flicks,...

Wednesday, March 7, 2018

The last post I wrote dealt with assessing the potential cost of financial advice, the many forms that it could take and, ultimately, whether or not it’s worth it to you to pay for such advice. In this post I’m going to...

Wednesday, January 31, 2018

This post might end up being a tad longer than some in the past and I regret that some of you have already closed this window after reading that, but if you have then you probably weren’t ready to hear the information anyway. I...

Wednesday, January 3, 2018

This post isn’t going to be a compendium of the tax bill; my hope is that it looks a lot more like a CliffsNotes version of what is a reasonably large and involved change in the tax code. If you want to read something more...

Wednesday, November 8, 2017

I’m not a journalism major, so I’m going to write this the same way I write all of my blog posts – haphazardly. But in at least one way, I’m going to do that intentionally: I’m going to bury the lede. Why...

Monday, October 9, 2017

It seems like a simple question, one that every retiree likely does – and should – ask… but a heads up, there is probably a more complex answer than many anticipate. There have been plenty of papers and opinion...

Friday, September 22, 2017

Dump ‘em, obviously. What did you think this was going to say? I’m kidding. First of all, by what measure is he underperforming? Your service expectations, return expectations, his word? Much of the disappointment that...

Thursday, September 7, 2017

Portfolio construction – a favorite topic for both advisors and clients alike – usually begins in a similar place. An advisor asks some stock questions that score, in different ways, what amount of risk a client is willing...

Friday, August 4, 2017

While many people may be aware of the immediate differences in taxation between retirement (IRA, Roth IRA, SEP, SIMPLE, 401(k), etc.) and non-retirement accounts, a lot of them make no conscious decision to hold different types of...