Greetings! I trust that this will find you well and enjoying life.  Here are some common financial mistakes people fall prey to as they approach retirement. Do a quick check to make sure that you avoid them. In Your 40s and 50s Trying to keep up with the Joneses. Appearances can be deceptive.… ...

Greetings! I trust that this will find you well and enjoying life. I want to challenge you to examine something about yourself. My question to you is, what are you developing that you can become good at to pursue and use in retirement to provide value and meaning in your life,… ...

Greetings! I trust that this will find you well and enjoying life. Experiencing meaning, purpose, and happiness in retirement won’t happen unless you make it happen. Advanced planning on how you will spend your time and energy is as important as the financial planning you do as you approach the big… ...

Greetings! I hope this finds you well and enjoying life. Sometimes retirement involves downsizing your home and it can be because of a host of reasons. So, let’s just sum those up by saying sometimes the need OR DESIRE to downsize happens. And when it happens it is a process… ...

Greetings!  I trust that this will find you well and enjoying life. Often in this newsletter we look at ways to reduce taxes. Today I want to talk about actually paying more tax intentionally because of a Roth IRA conversion. When you convert your traditional IRA to a Roth, you pay taxes… ...

Greetings! I trust that this will find you well and enjoying life. Here we are once again, income tax filing deadline time of the year unless of course you file an extension. I want to challenge you to ask yourself if you are doing everything that you can to minimize your… ...

Greetings! I hope that this finds you well and enjoying life! During your retirement years, it’s important to pay close attention to the income tax consequences of your investment decisions. If you receive a great deal of investment income when retired for instance, the taxation of your Social Security benefits may… ...

I trust that this will find you well in every way. In retirement finances, there are forces that we can’t avoid like the cycles and volatility of asset classes, the management of a company we are investing in, or decisions made by the FED. However, there is a definite force that… ...

January 2, 2025 Dear Clients: Happy New Year! After a robust 2023 stocks had another strong year in 2024. In the displayed charts, the following exchange-traded fund data has been used as a proxy for index performance. “U.S. Bonds” by iShares Core U.S. Aggregate Bond ETF (Ticker: AGG). “U.S. Stocks”… ...

Greetings! I hope that this finds you well and enjoying life. A tax dollar not paid is a dollar in your pocket. Here are some tips that may assist you in trimming your tax bill in retirement. Give yourself options with the types of investment retirement accounts you own. Having a… ...

Greetings! I trust that this finds you well and enjoying life.  If you had to cut back your spending, where would you do it? This question has a way of reflecting our values as much as it does our practicality. One recent study found that when workers started feeling even a little unsure… ...

Greetings! I trust that this will find you well and in good spirits. I can’t emphasize strongly enough the importance of you keeping up with current financial affairs to a certain degree. Over time by staying in tune with the ebb and flow of the economy and the markets, you will… ...

Greetings I trust that this will find you well and enjoying life. Tax planning in retirement is as important as portfolio or income planning. Tax planning should be done year-round, but we want to pay particular attention as we approach year end to make sure we don’t miss an opportunity. Here… ...

Greetings! I trust that this will find you well and enjoying life.  I thought that this information on year-end money moves might be helpful.  What has changed for you in 2024? Did you start a new job or leave a job behind? Did you retire? Did you start a family? If… ...

Greetings! I trust that this will find you well and enjoying life.  You’ve seen the footage on the news. You’ve been in the middle of it. You’ve stood in the vexing lines. You’ve circled for the elusive parking spots. Holiday shopping can be downright frenzied – and impulsive. You don’t… ...

Greetings! I trust that this finds you well and enjoying life. To live well in retirement, you have to embrace change and longevity planning. As you get older your circumstances will continue to change, sometimes rapidly. What doesn’t change is your desire to be independent, to have social connections that enrich your… ...

I have a friend who is a petroleum engineer and is about to retire. He called last week looking for some planning advice. His request of me was “will you crunch the numbers to see if it makes sense for me to convert my traditional IRA to Roth?” Bear in… ...

Greetings! I hope and trust that this finds you well and enjoying life. Many studies reveal that the greatest cost in retirement is related to health care. For some of us long-term care will occupy the lion share of the cost and we all need a long-term care plan. Some… ...

October 1, 2024 Dear Client, I hope this finds you well and enjoying life. I like you am sure glad that fall is here. Over the past couple of years, the global economy’s been a lot like that Goldilocks story we all know, where the trick is to find the… ...

Greetings! I trust that you are well and enjoying life. Medicare won’t cover all of your health-care costs during retirement, so you may want to buy a supplemental medical insurance policy known as Medigap. Offered by private insurance companies, Medigap policies are designed to cover costs not paid by Medicare, helping… ...