Greetings! I trust that this will find you well and enjoying life. Today I want to examine using different asset types that consistently generate interest or dividends to provide retirement income. Examples of these asset types are individual bonds, preferred stocks, real estate investment trust (REIT’s) and business development companies… ...

...

Greetings! I trust that this will find you well and enjoying life. During your working years you’ve probably set aside funds in retirement accounts such as IRA’s 401k’s, as well as taxable accounts. Your challenge during your retirement years is to convert those savings into an ongoing income stream, that… ...

Life as the Ninth Inning Nears is a recent letter to the editor of The Wall Street Journal by Fay Vincent. Fay Vincent was formerly CEO of Columbia Pictures Industries, executive vice president of Coca Cola and the commissioner of major league baseball from 1989-92. Mr. Vincent’s achievements professionally are… ...

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… ...

Greetings! I trust that this will find you well and enjoying life. Last week we looked at the effect media bombardment has on our emotions and quite possibly our decision making regarding our finances. We’re getting a big dose of information that’s tough to digest thus far this year. Thursdays… ...

Greetings! I trust that this will find you well and enjoying life. We live in an era of hyper information and we are well served to examine the effect it has on us. Media sources are vying for our attention and will go to almost any length to gain our… ...

Greetings! I hope that this finds you well and enjoying life. The New Year got off to a rocky start as investors digested falling equity markets, further declines in the price of oil, heightened concerns over China’s economic stability and rising geopolitical tensions. The widely expected “January effect” on risk… ...

...

Greetings! I hope that this finds you well and enjoying life. We are starting the New Year in the markets the most volatile ever recorded. At one point in the last two weeks the DOW was down 14% off of its all-time high back in September! That’s making a lot… ...

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… ...

Greetings! I trust that this will find you well and enjoying life. I hope that your new year is off to a good start. We certainly have had quite an eye popping start to the new year in the stock market with the Dow Industrials down – 6.24% and the… ...

...

Greetings! I trust that this finds you well and in good spirits. All year week after week we look at business related topics and issues that pertain to retirement. I want to change the theme to a more personal one and close the year out with some thoughts for you… ...

Greetings! I trust that you are well and enjoying life. Over the past few weeks I have been speaking to year end tax planning and relating tax planning and to the benefits of Roth IRA’s.  I want to share an additional benefit of owning a Roth in retirement that applies… ...

...

Greetings!  I trust that this will find you well and enjoying life. Often in this newsletter we look at ways to reduced 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… ...

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… ...

Greetings! I trust that this finds you well and enjoying life.    Last week I wrote about year–end tax planning and yes we still have some work to do on that topic. I started to write on it because there is a lot to share. Then it occurred to me that it’s Thanksgiving and how utterly ridiculous… ...

Greetings! I trust that this will find you well and enjoying life. It’s not too early to begin to consider year-end tax planning. I think it’s a good idea to have a list of situations and circumstances that can have an effect on your tax filing for next year. A… ...