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All posts by Brad Rosley

family insurance umbrella

Beneficiary Issues

Most of your assets will never pass on through your will (assuming you have one).  IRA’s, 401k’s, life insurance and annuities all have direct beneficiaries that were recorded when you first signed up for them.  For many of those assets, that information may be outdated.


Do You Really Understand Your Tax Bracket?

Whether you received a bonus from work or are retired and considering taking an IRA distribution, understanding how that extra income impacts your taxes is important.  I just had a client review meeting explaining tax brackets and realized it’s quite possible many people do not


Create Your Own Private Retirement Pension

I imagine that most people reading this will end up never spending the principal of their retirement nest egg for fear of running out of money.  At some age, well into those retirement years, you will realize you are too darn old (you have everything

Go Cubs Go!

“It’s Christmas in August!”

Life is about making memories and I had an all-timer this week when I took my mother (a die-hard Reds fan from Cincinnati) and her dear friend, Lolly,  to Wrigley Field for the Cubs vs. Reds game Tuesday night. Lolly, has been a veryclose family

Two hands preserve a green tree against a thunder-storm

Déjà Vu All Over Again

Déjà Vu all over again was the response I received from one long-time client in response to what is going on lately with the stock markets around the world. Seemingly no worries at all. He’s seen it all before and hopefully is very comfortable with

Spoiled Kids

When to Say “No”

Where do you draw the line? Our kids have their hands out wanting us to buy things for them starting at a very early age.  In grade school, I think candy and ice cream were the most popular requests.  Now that my three kids are

soni and brad

Our Story

My wife Soni and I celebrated 20 years of marriage recently and I thought I would share what some of the key financial decisions we made along the way and the impact they had on our family. The themes are consistent: Figure out what is


Trade Expectations for Acceptance

Parents constantly judge their kids decisions and choices.  In their eyes, their kids make head scratching or down right frustrating decisions every day.  As a parent, I sometimes allow my kids to drive me nuts when they don’t do what I want them to do.


Want to Smile? Work up a Sweat!

Lately, I’ve lost some of the bounce in my step and have found myself not smiling as much as I would like. Despite trying many of my mood uplifting tricks, I couldn’t shake my doldrums. I tried walking at night, breaking my diet and eating


Bonds Struggling in 2015

Interest rates have crept up a little bit. I snapped this picture last week at a local bank. You wouldn’t know it by this CD rate. Bond prices move inversely to interest rates.  The past few months haven’t been too good for bonds.  The 10-year