Greetings! I trust that you are well and enjoying life. A successful investor maximizes gain and minimizes loss. Though there can be no guarantee that any investment strategy will be successful and all investing involves risk, including the possible loss of principal, here are six basic principles that may help you… ...

Greetings! I trust that you are well and enjoying life. When you determine how much income you’ll need in retirement, you may base your projection on the type of lifestyle you plan to have and when you want to retire. However, as you grow closer to retirement, you may discover… ...

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 enjoying life. If you own a home, you may be wealthier than you think. The equity in your home could be one of your largest assets, especially if your mortgage has been paid down over the years or paid off.… ...

Greetings. I trust that this will find you well and enjoying life! In retirement managing taxes, in other words getting every possible tax break that you can based on your circumstances, can be as important as effectively managing your portfolio. Are you working with a good tax preparer and tax advisor… ...

Greetings! I trust that this will find you well and enjoying life.  For years, employers and the government have encouraged people to save money for their retirement income through tax-deferred vehicles such as an IRA or company-sponsored 401(k) plan. In fact, many employers provide an additional incentive by offering to match a… ...

Greetings! I hope that this finds you well and enjoying life! My experience has been that if a retiree hasn’t started taking money out of an IRA until they are “required” to, they don’t need the money and as having to take the distribution triggers income tax, they usually aren’t too… ...

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 IRAs, 401ks as well as taxable accounts. Your challenge during your retirement years is to convert those savings into an ongoing income stream that will… ...

Greetings! I trust that you are well and enjoying life. When it comes to planning for your retirement income, it’s easy to overlook some of the common factors that can affect how much you’ll have available to spend. If you don’t consider how your retirement income can be impacted by investment… ...

Greetings! I hope that this finds you well and enjoying life. I have a case that I’m working on that involves naming a charity as beneficiary. I thought you might be interested in the following about this tax saving idea. Can I name a charity as beneficiary of my IRA? Yes, you… ...

Greetings! I trust that this will find you well and enjoying life. A client recently asked about stock dividends as a source of retirement income. So, the question is, are stock dividends reliable as a source of income? Dividends can be an important source of income. However, there are several factors… ...

Greetings! I trust that you are well and enjoying life. Have you checked your retirement plan lately? It’s generally a good idea to review your employer-sponsored retirement savings plan at least once each year and when major life changes occur. If you haven’t given your plan a thorough review within the… ...

As usual, there is no shortage of talking points, some of which don’t change from one year to the next. A few are continuations from 2023, while every new year offers endless chances for surprises. December of each year is filled with specific projections from a variety of firms; the… ...

Greetings. I trust that this will find you well and in good spirits! Christmas, what a wonderful time of the year! Family is so important to Christmas. I hope you have an opportunity to experience your loved ones at this time of the year and become renewed through it. Giving is… ...

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. My favorite time of the year, duck season and oh yes of course the holidays! But seriously folks it’s the holidays, the best time of the year for a lot of reasons. Thanksgiving as a prominent nationally celebrated holiday second… ...

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 you’re well and enjoying life. If you care about what happens to your money, home, and other property after you die, you need to do some estate planning. There are many tools you can use to achieve your estate planning goals, but a will is probably the… ...

Greetings! I trust that you are well and enjoying life. Human nature often avoids planning for the unexpected, especially complications that involve our health and life span. However, life always works best with advanced planning. Continuing our theme on issues involving estate planning, today’s topic is about planning for incapacity. Incapacity means… ...