Roth vs. Traditional IRA 8 Important Comparisons Deciding which retirement account type may fit your needs is an important step in retirement planning. The comparisons below provide an overview of the differences between the Traditional and Roth IRAs which may be a good resource for you. Remember…the Contribution Deadline for the 2013 Tax Year is […]
We all know that the U.S. Government is $17 trillion in debt and has made trillions of dollars in Entitlement promises for which it has no money to pay. Forgive me if I don’t trust politicians not to come after my hard earned income and savings with new or higher taxes in the future to […]
Last week, the stock market had its worst week in quite a while, including a 300 point sell off for the Dow. Is the next “correction“ finally underway for the market? When people talk to me about “the market,” why is it they usually mean the U.S. large company indexes? I guess they believe […]
In 2014, resolve not to “time the market”. “Time in the Market” is one key to long-term investment success. When you look at the chart below you will see just how bad retail (non-professional) investor’s performance is compared to what they could have made had they only been “buy and hold” investors. THE NUMBERS […]
It has been a memorable year and I hope my blog (over 5,000 hits in 2014) has captured some of the moments that impacted our lives and will help us plan for the future. I’ll take this time to re-share my some of my most popular blogs from this year and for fun ask that […]
Good planning can make life easy on retirees. Unfortunately, many people wait longer than they should to start planning. If you are wondering where to start or what you should review read about these three key mistakes that you should want to avoid: 1. Investing only in bonds or CD’s to generate income. This mistake […]
It’s not what you make, but what you keep that counts. 1. “Realize” Capital Gains by Selling Winners Many people sold investments a few years ago when the stock market plunged. For some, those sales created a tax loss that could be used to offset future capital gains. The gain or loss is computed simple […]
When I went to college ( U. Of Iowa) the out-of-state cost was around $5,000. Four years and $20,000 or so later I and was done (thanks again mom and dad for paying). My first salaried job paid me $19,500, or almost the equivalent of what my four-year Big Ten school education cost. For the […]
Since day one, my compass for financial advice giving has been sharply focused and easy to read. When making recommendations for a client, I consider what would I do in their situation. If it was an older client, I would ask; “what would I do if those were my parents?” Therefore, it should come as […]
I believe most people in our area under the age of 60 are completely unprepared ( although most people aren’t aware of this) to maintain their lifestyle without their current income. What do you think? Not saving enough, starting too late and a lavish lifestyle (compared to our parents) are three major reasons you may […]
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