Chapters of Retirement
Jan 5, 2024
The journey to and through retirement occurs gradually, like successive chapters in a book. Each chapter has its own things to consider. (more…)
Tags: Investment Planning, retirement, Retirement Planning
Understanding IRAs
Sep 8, 2023
An individual retirement arrangement (IRA) is a personal savings plan that offers specific tax benefits. IRAs are one of the most powerful retirement savings tools available to you. Even if you’re contributing to a 401(k) or other plan at work, you might also consider investing in an IRA.Tags: financial advisor, financial advisor charlotte nc, Financial Help, Financial Planner Charlotte NC, Personal Finance, retirement, Retirement Planning
Do Your Investments Match Your Risk Tolerance?
Aug 2, 2023
From time to time, it is a good idea to review how your portfolio assets are allocated – how they are divided among asset classes – and make sure they still match with your risk tolerance.
At the inception of your investment strategy, your target asset allocations reflect your tolerance for risk. Over time, though, your portfolio may need adjustments to maintain those target allocations. (more…)
Tags: charlotte NC, financial advisor charlotte nc, Investment Planning, Personal Finance, Retirement Planning, Risk Management
Should You Downsize for Retirement
Jul 31, 2023
You want to retire, and you own a large home that is nearly or fully paid off. The kids are gone, but the upkeep costs haven’t fallen. Should you retire and keep your home? Or sell your home and retire? Maybe it’s time to downsize for retirement. (more…)
Tags: Current Events, financial advisor charlotte nc, Personal Finance, Retirement Planning
Backdoor Roth IRA
Jul 28, 2023
You can sum up the appeal of a Roth IRA in three words: federal tax benefit. Potential earnings in a backdoor Roth IRA grow tax free as long as the owner abides by the Internal Revenue Service (I.R.S.) rules, and withdrawals are federally tax free once you reach age 59½ and have held the Roth IRA for at least five years.1 (more…)
Tags: financial advisor, Investing, retirement, Retirement Planning, Tax Planning
Retirement Planning Questions That Have Nothing to Do With Money
Jul 19, 2023
Retirement planning is not entirely financial. Your degree of happiness in your “second act” may depend on some factors that don’t come with an obvious price tag. Here are some non-monetary factors to consider as you plan your retirement. (more…)
Tags: Certified Financial Planner Charlotte NC, financial advisor charlotte nc, Financial Planning, Personal Finance, retirement, Retirement Planning, Retirement Tax Savings
Who is Your Trusted Contact?
Jul 3, 2023
Investment firms have a new client service requirement. They must now ask you if you would like to provide the name and information of a trusted contact.1
You do not have to supply this information, but it is encouraged. The request is made with your best interest in mind – and to lower the risk of someone crooked attempting to make investment decisions on your behalf.1 (more…)
Tags: Financial Help, Investment Planning, Personal Finance, Retirement Planning
Bypassing Probate
Jun 16, 2023
You may have heard about the horrors of probate, but in truth, probate has gotten an undeservedly bad reputation, especially in recent years. If you bypass probate, your estate will go to your beneficiaries without any court proceeding, and you may save a certain amount of time and expenses. However, there is usually little reason for most people to avoid probate today. States continue to revise their probate laws, making them more consumer friendly, particularly for small estates. For most modestly sized estates, the probate process now costs little. In fact, there are some good reasons to distribute your property by will. Decisions are binding and have legal finality once your will is probated. Creditors who fail to file claims against your estate within a specific amount of time — usually six months after receiving notice — are out of luck.
Tags: Estate Planning, financial advisor charlotte nc, Personal Finance, Retirement Planning
Investment Professionals and Advisors
Jun 12, 2023
A wealth of investment information is available if you want to do your own research before making investment decisions. However, many people aren’t comfortable sifting through balance sheets, profit-and-loss statements, and performance reports. Others just don’t have the time, energy, or desire to do the kind of thorough analysis that marks a smart investor.
Tags: Certified Financial Advisor Charlotte NC, Certified Financial Planner Charlotte NC, charlotte NC, Current Events, Financial Planning, Investing, Investment Planning, Investment Portfolio, Personal Finance, Retirement Planning
Rolling Over Funds from an Employer Retirement Savings Plan: What You Need to Know
May 19, 2023
You got the job, what do you do with your old 401k?When you leave your employer, you have several options available to you for managing your retirement savings plan assets. You can leave the money in the current plan, if allowed; you can cash out and take a lump-sum distribution; or you can roll over the funds from your current plan into another employer plan, if allowed, or an IRA. (more…)
Tags: Financial Planning, Personal Finance, retirement, Retirement Planning
More Insights
Jul 9, 2025
Few terms in personal finance are as important, or used as frequently, as “risk.” Nevertheless, few terms are as imprecisely defined. Generally, when financial advisors or the media talk about investment risk, their focus is on the historical price volatility of the asset or investment under discussion.
Jul 7, 2025
As Americans get their grills and beach chairs ready for the July 4th holiday, the stock market and the weather across much of the country have both been on heaters. Stocks and bonds continue to effectively navigate a complex policy landscape shaped by evolving trade dynamics, geopolitical tensions, and fiscal stimulus. The market’s resilience in … Continue reading “Market Update – America Gets Record High Stock Prices for Its Birthday”
Jun 20, 2025
Birthdays may seem less important as you grow older. They may not offer the impact of watershed moments such as getting a driver’s license at 16 and voting at 18. But beginning at age 50, there are several key birthdays that can affect your tax situation, health-care eligibility, and retirement benefits.
Jun 18, 2025
During times like these when geopolitical headlines can be unsettling for investors, we at LPL Research like to remind ourselves of one of our key investing principles. Markets have always faced challenges —ranging from geopolitical conflicts and economic downturns to natural disasters, political upheaval and health crises. These events often trigger short-term volatility and shake … Continue reading “Why Long Term Investing Beats Selling in Volatile Times”
Jun 16, 2025
Are you concerned about the inheritance taxes your heirs may have to pay? Then you may want to consider creating charitable lead trusts.
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