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Quiz: What is a Rollover?

Friday, June 23, 2017 | Leave a comment

Many people think it’s easy to move retirement assets…but is it really?  Take our short quiz to test your knowledge and answer the question:  What is a Rollover?   The Quiz You are moving funds out of your employer-sponsored planContinue Reading...

Estimated reading time: 11 minute(s)

Quiz: An Accidental Beneficiary

Friday, June 2, 2017 | Leave a comment

If you own an IRA, you probably want it to pass to the correct beneficiaries.  I seriously doubt you want an accidental beneficiary inheriting your hard-earned assets. Knowledge is power and you need to be aware of the rules governingContinue Reading...

Estimated reading time: 10 minute(s)

Managing Your Money Part 3: Diversification

Thursday, May 25, 2017 | Leave a comment

Most people are familiar with the term “portfolio diversification.”  It’s generally known you shouldn’t invest all of your money in one stock, bond, or other investment vehicle.  However, my view of modern portfolio diversification has a different twist on theContinue Reading...

Estimated reading time: 19 minute(s)

Splitting an Inherited IRA: The Stretch

Thursday, April 27, 2017 | Leave a comment

Generally, the goal when naming beneficiaries on an Inherited IRA is for them to stretch required minimum distributions out as long as possible.  The tax code and current regulations support this goal by making the stretch option the default.  However,Continue Reading...

Estimated reading time: 4 minute(s)

Building Your Three-Legged Stool

Thursday, April 13, 2017 | Leave a comment

When thinking about retirement, it can help to envision a three-legged stool.  Everybody knows a two-legged stool isn’t reliable because you have no stability.  If you sit or stand on a stool with only two legs, you’re going to endContinue Reading...

Estimated reading time: 17 minute(s)

Capital Gains Tax Rates for 2017

Friday, March 31, 2017 | Leave a comment

Long-term capital gains currently enjoy more favorable tax rates than ordinary income.  For example, current long-term capital gains tax rates are 0%, 15%, and 20%, and the rates for ordinary income range from 10% to 39.6%.  With a new President inContinue Reading...

Estimated reading time: 9 minute(s)

Interest and Your Financial Decisions

Tuesday, March 21, 2017 | Leave a comment

When discussing bank accounts, investments, loans, and mortgages, it is important to understand the concept of interest.  Interest is the price you pay for the temporary use of someone else’s money.  Borrowing money allows us to buy a house, goContinue Reading...

Estimated reading time: 9 minute(s)