Retirement Is a Beginning
Aug 17, 2022
How do you know you if you are psychologically ready for retirement?
As a start, ask yourself four questions. (more…)
Tags: financial advisor, Income Planning, Investment Planning, retirement, Retirement Planning
Required Minimum Distribution 101
Aug 3, 2022
If you are approaching your seventies, get ready for required minimum distribution. You may soon have to take RMDs, as they are called, from one or more of your retirement accounts. (more…)
Tags: Certified Financial Planner Charlotte NC, charlotte NC, Financial Planning, Investment Planning, retirement, Retirement Planning
Midyear Outlook 2022: Navigating Turbulence
Jul 18, 2022
Markets rarely give us clear skies, and there are always threats to watch for on the horizon. But the right preparation, context, and support can help us navigate what lies ahead. So far, this year hasn’t seen a full-blown crisis like 2008-2009 or 2020, but the ride has been very bumpy. We may not be flying into a storm, but there’s been plenty of turbulence. How businesses, households, and central banks steer through the rough air will set the tone for markets over the second half of 2022. (more…)
Tags: Certified Financial Planner Charlotte NC, Current Events, Financial Planning, Investing, Investment Portfolio, Investments, Personal Finance, retirement
That First Required Minimum Distribution from Your IRA
Jun 10, 2022
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 (more…)
Tags: financial advisor, Investing, retirement, Retirement Planning, Tax Advantages, Tax Planning
Will You Avoid These Estate Planning Mistakes?
May 27, 2022
Many people plan their estates diligently, with input from legal, tax, and financial professionals. Others plan earnestly but make mistakes that can potentially affect both the transfer and destiny of family wealth. Here are some common and not-so-common errors to avoid during estate planning. (more…)
Tags: Certified Financial Planner Charlotte NC, Estate Planning, financial advisor, Investments, Personal Finance, retirement, Retirement Planning, Retirement Tax Savings, social security
The Cost of Procrastination
Apr 25, 2022
Some of us share a common experience. You’re driving along when a police cruiser pulls up behind you with its lights flashing. You pull over, the officer gets out, and your heart drops.
“Are you aware the registration on your car has expired?”
You’d been meaning to take care of it for some time. For weeks, you had told yourself that you’d go to renew your registration tomorrow, and then, when the morning comes, you repeat it again.
Procrastination is avoiding a task that needs to be done – postponing until tomorrow what could be done, today. Procrastinators can sabotage themselves. They often put obstacles in their own path. They may choose paths that hurt their performance. (more…)
Tags: retirement, Retirement Planning
The Major Retirement Planning Mistakes
Apr 18, 2022
Much is out there about the classic financial mistakes that plague start-ups, family businesses, corporations, and charities. Aside from these blunders, some classic financial missteps plague retirees.
Calling them “mistakes” may be a bit harsh, as not all of them represent errors in judgment. Yet whether they result from ignorance or fate, we need to be aware of them as we plan for and enter retirement. (more…)
Tags: financial advisor charlotte nc, Financial Help, retirement, Retirement Planning
Getting Mentally Prepared to Retire
Mar 14, 2022
A successful retirement is not merely measured in financial terms. Even those who retire with small fortunes can face boredom or depression and the fear of drawing down their savings too fast. As you retire, how can new retirees try to calm these worries? (more…)
Tags: Certified Financial Planner Charlotte NC, Current Events, Personal Finance, retirement, Retirement Planning, Retirement Tax Savings
The Retirement We Imagine vs the Retirement We Live
Mar 4, 2022
Financially speaking, retirement might differ from your expectations. Just as few weathercasters can accurately predict a month’s worth of temperatures and storms, few retirees find their financial futures playing out as precisely as they assumed. Because of this, some common financial assumptions (and anxieties) about retirement are worth examining. (more…)
Tags: financial advisor, Investment Planning, Personal Finance, retirement, Retirement Planning, Tax Advantages
States Are Requiring Retirement Plans
Feb 16, 2022
Too many Americans save too little for retirement. This problem has been discussed for decades in all kinds of media, and there seems to be no easy way to solve it. (more…)
Tags: charlotte NC, financial advisor charlotte nc, 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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