Greetings! I trust that this will find you well and enjoying life. You raised them, helped them get through school, and now your children are on their own. Or are they? Even adult children sometimes need financial help. But if your child asks you for a loan, don’t pull out your…
Continue Reading When Your Child Asks For A Loan, Should You Say YesAuthor: Jeff Christian
Will You Outlive Your Money
Greetings! I trust that this finds you well and enjoying life. Before you retire, take the time to figure out just how much money you’ll need for retirement. One of the biggest concerns for retirees is whether their retirement savings will last the rest of their lives, will they run out…
Continue Reading Will You Outlive Your MoneyFive Ways to Manage Risk in Your Retirement Savings Plan
Greetings! I trust that this will find you well and enjoying life. Your employers sponsored retirement savings plan is a convenient way to help you accumulate money for your retirement. Using payroll deductions, you invest for your future automatically, following that off noted advice to “pay yourself first.” But choosing to…
Continue Reading Five Ways to Manage Risk in Your Retirement Savings PlanCorrelation and Portfolio Performance
Greetings! I hope this finds you well and enjoying life. Different types of investments are subject to different types of risk. On days when you notice that stock prices have fallen, for example, it would not be unusual to see a rally in the bond market. Asset allocation refers to…
Continue Reading Correlation and Portfolio PerformanceHere’s Something You Can Do Something About
Greetings! I trust that this will find you well and enjoying life. In case you haven’t heard (ha) it’s a presidential election year and those are always important years. I’m not going to bend your ear about who to vote for and why to vote for them. I figure you…
Continue Reading Here’s Something You Can Do Something AboutDistributions From Roth IRAs
Greetings! I trust that this finds you well and enjoying life. Last week I wrote about distributions from traditional IRAs. This week let’s examine the particulars of withdrawing from Roth IRAs. You are free to make withdrawals at any time from your Roth IRA, but only qualified distributions receive tax-free treatment. A…
Continue Reading Distributions From Roth IRAsEp 3: Investment Planning
A crucial element of a retirement plan is figuring out which investments you need to be in. It’s important you are in objective appropriate and risk-appropriate investment vehicles that match who you are in life. Jeff talks to us today about the bucket management strategy his practice uses and helping people to find and utilize their unique identity within their investments.
Continue Reading Ep 3: Investment PlanningEp 2: Income Planning
Income planning is the backbone of every great retirement plan. But many people struggle with nailing down a solid income plan and transitioning from receiving that employer paycheck. Jeff talks about the components of an income plan and how to start assembling one that matches who you are.
Continue Reading Ep 2: Income PlanningEp 1: Get to Know Jeff Christian & Armor Financial
Welcome to the first episode of the Retirement Armor podcast! We dedicate the first episode to get to know who Jeff is and to ask Jeff questions about his business, his family, and why he provides educational podcasts and what he hopes people will take away from them.
Continue Reading Ep 1: Get to Know Jeff Christian & Armor FinancialWhich Assets Should You Draw From First?
Greetings! I trust that this finds you well and enjoying life. You may have assets in accounts that are taxable (e.g., CDs, mutual funds), tax-deferred (e.g., traditional IRAs and 401(k)s) and tax-free (e.g., Roth IRAs and Roth 401(k)s). Given a choice, which type of account should you withdraw from first?…
Continue Reading Which Assets Should You Draw From First?