The Emergence of ESG Investing
Mar 12, 2021
ESG: what does that acronym stand for? Those three letters stand for “Environmental, Social, and Governance” and signify an investment that has particular merit to investors of all ages.
A recent Morgan Stanley Bank survey found that almost 90% of millennials would prefer to have investments that suit their values. With young adults, ESG investing could become more and more of an element in investing strategies.1 (more…)
Tags: Current Events, Financial Planner Charlotte NC, Impact Investing, Investment Planning, Investment Portfolio, Investments, Legacy
The New Inherited Beneficiary IRA Rules
Feb 24, 2021
New inherited IRA rules took effect on January 1, 2020. The Setting Every Community Up for Retirement Enhancement (SECURE) Act became law on that day, altering the regulations on inherited Individual Retirement Account (I.R.A.) distributions.
The big change: the introduction of the 10-year rule for beneficiaries.
Most people who inherit a beneficiary IRA now have to empty that IRA of assets within ten years of the original owner’s death. You can do this as you wish; you can withdraw the whole IRA balance at once, or take incremental distributions on the way to meeting the 10-year deadline.1
Tags: Current Events, Financial Planner Charlotte NC, Personal Finance, Retirement Planning, taxes
Retirement Seen Through Your Eyes
Feb 22, 2021
How do you picture your future? If you are like many contemplating retirement, your view is likely pragmatic compared to that of your parents. That doesn’t mean you must have a “plain vanilla” tomorrow. Even if your retirement savings are not as great as you would prefer, you still have great potential to design the life you want.
With that in mind, here are some things to think about. (more…)
Tags: Certified Financial Planner Charlotte NC, financial advisor charlotte nc, Financial Planner Charlotte NC, Retirement Planning
Eight Retirement Mistakes to Avoid
Jan 18, 2021
Pursuing your retirement dreams is challenging enough without making some common, and very avoidable, mistakes. Here are eight big mistakes to steer clear of, if possible.
No Strategy.
Yes, the biggest mistake is having no strategy at all. Without a strategy, you may have no goals, leaving you no way of knowing how you’ll get there – and if you’ve even arrived. Creating a strategy may increase your potential for success, both before and after retirement. (more…)
Tags: Certified Financial Planner Charlotte NC, financial advisor charlotte nc, Financial Planner Charlotte NC, retirement, Retirement Planning, Retirement Tax Savings, Wealth Building
2021 IRA Limits, 401(k)s and More
Nov 2, 2020
On October 26, the Treasury Department released the 2021 adjusted figures for retirement account savings (IRA, Roth IRA, and 401(k)s). Although these adjustments won’t bring any major changes, there are some minor elements to note. (more…)
Tags: Certified Financial Planner Charlotte NC, financial advisor charlotte nc, Financial Planner Charlotte NC, Personal Finance, retirement, Retirement Planning, Tax Planning
Financial Planning Month is Here
Oct 14, 2020
When training to become a CERTIFIED FINANCIAL PLANNER®, much of our course work centers on the six critical areas of creating a financial strategy. Some recognize October as Financial Planning Month, so it’s an excellent opportunity to review those six personal finance areas. (more…)
Tags: Certified Financial Planner Charlotte NC, financial advisor charlotte nc, Financial Planner Charlotte NC, Personal Finance
CARES Act: Will There Be a Phase 4?
Jul 10, 2020
With the economy and financial markets flashing mixed signals, it’s no wonder that lawmakers are deadlocked on whether to pass a Phase 4 of the CARES Act. (more…)
Tags: Current Events, financial advisor charlotte nc, Financial Help, Financial Planner Charlotte NC, Financial Planning
Coronavirus and More
Mar 2, 2020
In recent weeks, we’ve seen several major stories in the news. On the political front, in addition to the arrival of the presidential election through the 2020 caucuses and primaries, we have just experienced the third presidential impeachment in American history. In international news, the latest coronavirus outbreak has hit China, now referred to as COVID-19, leading to closed borders and heightened screening at hospitals worldwide.1 (more…)
Tags: Current Events, financial advisor charlotte nc, Financial Planner Charlotte NC, Investment Planning
Retirement and Adult Children
Feb 14, 2020
Families are one of the great joys in life, and part of the love you show to your family is making sure that their basic needs are met. While that’s only to be expected from birth through the high school years, many households are helping their adult children well into their twenties and beyond at the cost of their own retirement savings. (more…)
Tags: Family Wealth, Financial Planner Charlotte NC, Financial Planning, retirement, Retirement Planning
Establishing Good Credit in College
Dec 9, 2019
Good credit may open doors. It is vital to securing a loan, a business loan, or buying a home. When you establish and maintain good credit in college, you create a financial profile for yourself that can influence lenders, landlords, and potential employers.
Unfortunately, some college students do not have good credit. In fact, Credit Karma says that the average 18-to-24-year-old has a credit score of 630. A FICO score of 730 or higher is considered good. (more…)
Tags: Credit Repair, Financial Planner Charlotte NC, Financial Planning
More Insights
May 12, 2021
The San Diego Padres signed infielder Fernando Tatis, Jr., to a 14-year, $340 million contract roughly one year after the Los Angeles Dodgers inked outfielder Mookie Betts to a 12-year, $365 million deal. That brings the total to 8 baseball players who have signed long-term, $300+ million contracts. Think he needs estate planning?
May 10, 2021
What does it mean when two of the most powerful voices in American financial life seem to be saying two different things? In one corner, we have the “Oracle of Omaha,” investor Warren Buffett. As one of the nation’s richest people and most frequently sought opinions on business matters, he’s a voice that gets a … Continue reading “Buffett and Powell Talk Inflation”
May 7, 2021
How can you help cover your child’s future college costs? Saving early (and often) may be key for most families. Here are some college savings vehicles to consider
May 5, 2021
Will your retirement dreams match your reality? That’s perhaps the most critical question to ask people who are currently retired. Was your retirement what you expected, or was it something else?
May 3, 2021
A recent survey charting investor sentiment shows that 63% of investors are more interested in protecting their financial assets and planning for uncertainty in the future than anything else.1 There are many reasons for this change, but here are a few of the most impactful to keep in mind.
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