Retirement Is a Beginning
Feb 19, 2020
How do you know you are psychologically ready for retirement?
As a start, ask yourself four questions. (more…)
Tags: financial advisor, Income Planning, Investment Planning, retirement, Retirement Planning
Step-Up CD
Feb 12, 2020
When interest rates start to climb, will these be the CD to own?
Step-up certificates of deposit (also called rising-rate CDs) are fixed-income investments with a bit of wiggle room. When you have CDs with a step-up provision, you have a chance to exchange the initial yield for a better one as interest rates rise. Given currently underwhelming long-term CD yields, what CD owner wouldn’t want that option in the future? (more…)
Tags: Financial Planning, Income Planning, Investment Planning, Personal Finance
Where Will Your Money Come From After You Retire
Feb 10, 2020
For many people who retire, income may come from a variety of sources. Here’s a quick review of the six main sources: (more…)
Tags: Financial Planning, Income Planning, retirement, Retirement Planning, Retirement Tax Savings
Retire Single
Feb 7, 2020
About 6% of Americans 65 and older have never married. That statistic comes from a 2018 Census Bureau report, which also found that 22% of Americans aged 65-74 live and retire alone. (more…)
Tags: Family Wealth, Financial Planning, Income Planning, retirement, Retirement Planning
A Lesson from Uganda
Feb 12, 2016
Exactly one month ago today, I returned from a 12-day trip to Uganda. While there, myself and a group of 15 others did water projects such as building a rainwater harvest tank and making and distributing bio-sand filters. The organization that hosted the trip was a non-profit based out of Boone, NC called Wine to Water. Their founder, Doc Hendley, received a CNN Hero award back in 2009 for the incredible work that he himself had done both in Darfur and Uganda. Doc has inspired thousands, myself included. The work they do at Wine to Water changes lives. In fact, it changes entire communities. They do real boots on the ground stuff, bringing clean water to those in need. They make an impact with what they do. And I’ve seen it first hand. (more…)
Tags: Current Events, Education Planning, Estate Planning, Income Planning, Investment Planning, Long-Term Care Planning, Philanthropic Planning, Retirement Planning
Take Control of the One Thing You Can Control … YOU
Mar 4, 2014
Why do we plan a vacation? Many, if not most of us, lay out meticulous plans to ensure that our trip goes smoothly. Doing so enables us to do all the things we want to do and see all the things we want to see. But what would happen if we didn’t create a plan in advance? Might a relaxing vacation turn out not so relaxing? Might a potentially great experience turn into a frustratingly negative one? Don’t get me wrong, I know some folks live for spontaneous adventure, but I can’t imagine too many of us like to travel without some sort of plan. By setting an itinerary or planning ahead many of the main aspects of your trip, you can have your expectations become a reality and help to minimize most travel snafus. We plan because there are rewards for doing it. (more…)
Tags: Estate Planning, Income Planning, Investment Planning, Retirement Planning, Risk Management
More Insights
Feb 21, 2020
Getting rich quick can be liberating, but it can also be frustrating. A sudden wealth windfall can help you address retirement saving or college funding anxieties, and it may also allow you to live and work on your terms. On the other hand, you’ll pay more taxes, attract more attention, and maybe even contend with … Continue reading “When a Windfall Comes Your Way”
Feb 20, 2020
The SECURE Act passed into law in late 2019 and changed several aspects of retirement investing. These modifications included modifying the ability to stretch an Individual Retirement Account (IRA) and changing the age when IRA holders must start taking requirement minimum distributions to 72-years-old.1,2
Feb 17, 2020
When you are in your seventies, Internal Revenue Service rules say that you must start making withdrawals from your traditional IRA(s). In I.R.S. terminology, these annual withdrawals are considered your Required Minimum Distribution (RMDs).1
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 … Continue reading “Retirement and Adult Children”
Feb 12, 2020
When interest rates start to climb, will these be the CD to own? Step-up certificates of deposit (also called rising-rate CDs) are fixed-income investments with a bit of wiggle room. When you have CDs with a step-up provision, you have a chance to exchange the initial yield for a better one as interest rates rise. … Continue reading “Step-Up CD”
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