Our Retirement Blog

Correlation 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 how… ...

Here’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… ...

Distributions 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… ...

Which 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?… ...

Where Are You In Life?

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. Consider… ...

It’s All Cyclical

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… ...

Avoid This Mistake Before Retiring

Greetings! I trust that this will find you well and enjoying life. The question often is, is there a biggest mistake people make when approaching retirement? In my opinion, there is a mistake that involves the biggest possible consequences. Many people in their 50s and beyond are making a serious mistake and… ...

Keep Doing The Right Things

Greetings! I trust that this will find you well and enjoying life. I believe strongly in a regular program of exercise. The benefits are many and speak for themselves. When I was younger I was a runner, until my body clearly let me know how hard it was on my… ...

Historical Perspective May Help

Greeting. I hope that this finds you well and adapting and adjusting as best you can. I don’t think anyone can deny that we’re living in a challenging time. Lot’s of forces and influences making life more demanding, more stressful and unless we are careful, less satisfying. I saw the… ...

Let’s Get Back to Business

I hope this finds you well and enjoying life. You should be proud of yourself when you have all of your estate planning components in place. In Louisiana, the four basic components are a will, power of attorney, medical power of attorney and a living will. Proper estate planning puts… ...

Avoid News / Have Purpose / Be Happy

I trust that this will find you well and enjoying life. I’ll be the first to admit that I’m more than prone to give advice and that’s no secret if you’re a client of Armor Financial. I’m not going to mince for words either and my advice for you is… ...

Where Are You In All This??

Some time ago I began to ponder and suspect that sooner or later in life, at one time or another we all experience some form of natural disaster. It may not be experienced directly by us, it may be indirectly as through someone close to us, important to us and… ...

There’s Always Opportunity To Save Money on Taxes

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… ...

The System is Still Solid

Greetings! I trust that this finds you well in every way. Week before last we had recovered all losses on the S&P 500 caused by the virus. In one day alone last week, the market gave back 5.9% of it. On February 19th the S&P reached an all-time high of… ...

Still The Greatest Place in The World

Greetings! I trust that this will find you well in every way. I don’t know how you see it but to me, we’ve been through one of the most uncertain ninety-day periods in the history of America. Health upheaval, financial upheaval, social upheaval, recreational upheaval, employment upheaval, government upheaval, foreign… ...

Hurry Up And Wait

Greetings! I trust that this will find you well in every way. Do you remember the old saying hurry up and wait? That’s what this challenge with the coronavirus makes me feel like just now, hurry up and wait. There’s just so much I want to get done, so much… ...

Look Mom No Hands!

Greetings! I hope this finds you well in every way. The pandemic has certainly altered time as we knew it, because there simply are a lot less things to occupy, entertain and consume us. You could say it’s a reduction in distractions, and because of it we have the opportunity… ...

Just Let It Whirl

Greetings! I hope this finds you well in every way. As of April 30th the U.S. has recorded over 1 million documented cases of COVID-19 with nearly 62,000 recorded deaths. There are over 26.5 million Americans out of work and who have applied or are applying for unemployment benefits.  The U.S.… ...

Is The Bear Market Over?

Greetings! I trust that this will find you well and staying strong. It’s possible, but it’s probably wise to not count on it. We’ve seen a remarkably quick and dramatic plunge and subsequent recovery in recent weeks. This consisted of the S&P 500 falling -34% from its peak on Feb.… ...

Happy Easter!

Greetings! I trust that this finds you well and doing what you need to do to take care of yourself. Some of you may not be aware that a little known provision in the economic relief act had to do with RMD’s or required minimum distributions. Under current law at… ...