ETF

5 Powerful Reasons to Invest in ETF’s

Exchange Traded Funds (ETF), have become increasingly popular. ETF’s have some significant advantages over traditional mutual funds.  There is also one significant disadvantage that weighs heavily on my decision making […]

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Roth 401K

Roth 401k is a Remarkable Retirement Savings Vehicle

The Roth 401k is a one of a kind investment wrapper. What is a Roth 401k? – An employer sponsored retirement plan that allows you to automatically contribute a portion […]

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retire or work

Will You Be Able To Retire? Saving Yourself!

Will You have Enough Money To Retire? Brief History Lesson: The term “retirement” came to be recognized when the Social Security Act of 1935 allowed people to collect a tax […]

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How to Avoid Disastrous RMD Penalties

How to Avoid a HUGE Penalty from Missing the Required Minimum Distributions (RMD) from IRA. Failure to withdraw an RMD by the deadline results in one of the most onerous […]

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financial planning

How to Use Life Insurance to Save You From Devastating Health Care Costs

New Use for Life Insurance Read this post carefully if you or your parent has assets they want to pass on to their kids. Most senior citizens consider buying long-term-care […]

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How Seniors Receive Tax Savings gifting RMD to Charity (QCD)!

This is for those of you and your parents that are at least 70 1/2 years old. You should know about something called a Qualified Charitable Distribution, also known as […]

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trump ecomomic

Trump Wins! My Economic View

Donald Trump is our President-Elect and a tidal wave of fiscally conservative change may be in store for our country. A conservative (the less government intervention the better). I couldn’t […]

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Mammouth Bond Risk – You Should Understand This

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Low Interest Rates – No Favors for Seniors

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No Will Needed – Beneficiary Updates are Critical

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 […]

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The Truth About Private Retirement Pension

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Life Insurance Key to Retirement Spending and Legacy Plan

Over the past several years, most of the clients that I have advised to purchase life insurance are retired and have no dependent need. The insurance has greatly helped their […]

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