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Obamacare – Pass on Insurance? – Train Wreck Coming

By on May 1, 2013 in Achieving Financial Independence, Policy and Your Money, Post-Retirement Planning

If the average family were to pay $10,000 per year for insurance, might they be better off keeping that money in a savings account and paying out doctor bills from that account and keeping whatever they don’t spend each year? What if you are diagnosed with a terrible disease?  As of 1/1/14, at that time, [...]

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Dow Hits All-Time Record – Looking Backward and Forward

By on March 5, 2013 in Achieving Financial Independence, Investments, Policy and Your Money, Post-Retirement Planning

  The Dow Jones Industrial Average (Dow) closed just above its peak 5 ½ years ago, but as you will see below much has changed over that time. The Last Time The Dow Was Here (Oct. 2007) vs. Today: Dow Jones Industrial Average: Then 14164.5; Now 14253 Regular Gas Price: Then $2.75; Now $3.73 GDP [...]

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The Truth About Sequester, Budget Deficit and National Debt

By on February 21, 2013 in Achieving Financial Independence, Policy and Your Money

The Sequester was put in place late in 2011 (known Budget Control Act of 2011)  as a negotiating ploy signed by Congress and President to reduce Government spending increases by $85 billion annually or a meager 2.4% of our national Government’s $3.6 trillion annual spending.  It is a very small amount and does not affect [...]

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What is Your Retirement Number? – Why It’s Going Up…

By on February 11, 2013 in Achieving Financial Independence, Investments, Policy and Your Money, Post-Retirement Planning

This catchy marketing phrase coined by ING has taken an interesting and horrible new twist for current retiree’s trying to live off the interest generated from bonds and other fixed interest investments.  Unfortunately, “your number” is a moving target based on several key variables, some of which you cannot control. We can control our spending, [...]

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4 Expectations from President Obama’s Second Term

By on January 21, 2013 in Investments, Mortgage, Policy and Your Money, Post-Retirement Planning

Americans have re-elected President Obama and he was inaugurated for a second term.   The president won the Popular and Electoral College vote.  President Obama has promised to bring our country together during a time when after he first term, our country has never been so divided. If you look at the map of who won [...]

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2013 Investment and Economic Outlook

By on January 14, 2013 in Achieving Financial Independence, Goals-Based Planning, Investments, Investor Psychology, Policy and Your Money

The past decade has been a difficult one for investors with volatile stock prices and economic uncertainty. At times we lived though some very frightful times going back to the Dot Com blow up and all that has happened since. There have been many predictions for a bleak future this year and throughout history as [...]

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What does the Fiscal Cliff Deal Mean to Your Income Taxes?

By on January 4, 2013 in Policy and Your Money, Tax Planning

American Taxpayer Relief Act of 2012 – Updated Fiscal Cliff Deal Calculator The theater (crisis) is over for now and a last-minute agreement was made in Congress.  What is harder  to believe? The 154 page document was given to the Senate 3 minutes prior to their voting on it or that President Obama went on [...]

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MERRY CLIFF MESS – Republican Plan B Cancelled

By on December 21, 2012 in Investments, Policy and Your Money, Tax Planning, World Economics

Fiscal Cliff – Republican’s Punt to the Democrats House Speaker Boehner called off a vote on a Bill that would have maintained most of the current tax rates (except for $1 million wage earners).  Apparently, it may not have had enough votes to pass. Fiscally conservative House members are not planning to vote for a [...]

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Join us for Fiscal Cliff Tax Planning Webinar – Click to Register

By on November 26, 2012 in Estate Planning, Policy and Your Money, Tax Planning

Brad Rosley, CFP® & Ann Gunst, CPA, CFP® will be presenting strategies to help investors keep more of what they earn and the federal tax laws are set to change.  “It’s not what you make, but what you keep that counts.” Space is limited. Date: Wednesday, December 5, 2012 Time: 10:00 AM – 10:30 AM [...]

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Post Election Economic and Investment Outlook

By on November 15, 2012 in Achieving Financial Independence, Goals-Based Planning, Investments, Policy and Your Money, Tax Planning, World Economics

Well the first several days after the election has seen the stock market drop by five percent, leaving those that follow our nation’s fiscal situation feeling uneasy.  I feel the same way as I have been yelling from the tallest tower (or at least my weekly blog) that our government spending is out of control [...]

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