Blog

Tax-Deferred Savings and Tax Rates

by Craig Moser on May 24, 2019

It can be very hard for people to grasp the fact that contributing to a tax-deferred IRA and/or 401k plan isn’t necessarily the best choice. There is a question of national debt, and a strong probability taxes will be higher […]

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RMD Rules

by Craig Moser on May 10, 2019

At age 70 1/2, you begin taking Required Minimum Distributions (RMDs), from your IRA or qualified plan.  To determine the amount, divide your account balance on December 31 of the previous year (adjusted for outstanding rollovers and transfers) by your […]

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The Benefits of a Direct Transfer

by Craig Moser on April 26, 2019

There may come a time when you decide to rollover an IRA.  When you’re in this situation, you need to understand the benefits of a direct transfer (direct rollover) versus a 60-day rollover (indirect rollover).  Because this directly impacts your […]

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The Six W Questions of Retirement

by Craig Moser on April 12, 2019

Do you remember learning the six “W” questions in grade school?  They are: Who, What, When, Where, Why and How.  You probably remember these, but do you know the Six W Questions Retirement?  Answering these questions help you determine the […]

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Smaller Tax Refunds

by Craig Moser on March 22, 2019

You may have seen people grumbling on social media about smaller tax refunds this year. Major media outlets (NY Times, USA Today, Washington Post, etc.) are reporting the average tax refund check is lower this year.  Many think the tax […]

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Financial Communication for Couples

by Craig Moser on March 8, 2019

We’ve all heard good communication is the foundation or a strong marriage.  However, have you considered the importance of financial communication in your home?  Do you know how this can impact your marriage?  For example, a 2019 Fidelity Investments survey […]

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Roth IRA Rules

by Craig Moser on February 26, 2019

Roth IRAs offer a unique trade-off.  You pay taxes now on money contributed or converted to a Roth IRA.  In exchange, your future earnings and withdrawals are tax-free.  However, there are rules that must be followed.  Because we don’t want you […]

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Annuities 101

by Craig Moser on February 8, 2019

Working with people over the past 25 years, our main objective has been to grow assets for the future. When people begin to retire, the game changes. We worked to “buy low” and “sell high” while accumulating assets.  As you […]

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Basics of Bonds

by Craig Moser on January 25, 2019

Many people begin investing with stocks.  While you probably understand you should diversify, bonds can be confusing.  In case you’re interested in bonds, but don’t know where to start, here are the basics of bonds and bond funds. Bonds may […]

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Roth Conversion FAQs

by Craig Moser on January 11, 2019

If a savings vehicle with tax-free growth potential and tax-free withdrawals in retirement sounds good to you, you should probably consider a Roth IRA.  Even if you can’t contribute to a Roth IRA (because of income limits), you might still […]

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Customized Social Security Benefit Summary
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Financial Organizer
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Portfolio Evaluation
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