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What’s your Tax Freedom Day?

Tax Freedom Day is the day when the nation as a whole has earned enough money to pay its total tax bill for the year. A vivid, calendar-based illustration of the cost of government, Tax Freedom Day divides all federal, state, and local taxes by the nation’s income. In 2014, Americans will pay $3 trillion […]

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When Should Your Kids Start Planning?

Q. When Should Your Kids Start Their Financial Planning?  A. As soon as they have a job.   WHEN DID YOU START SERIOUSLY PLANNING AND SAVING? Please share when you started in the reply area below article. One of the biggest regrets many of my new clients share with me is that they wish they […]

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BradRosleyebook

Tax-Free Retirement

 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 […]

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Should a Stock Market Drop Worry You?

  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 […]

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Two Emotions Kill Your Investment Returns

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 […]

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2013 Was a Memorable Year

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 […]

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3 Mistakes to Avoid in Retirement

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 […]

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6 Tax Moves to Consider Making in December

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 […]

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Is College Worth it Today? An Alternative Idea

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 […]

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