Blog

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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How Much Money Should I Save For Retirement?

by Craig Moser on December 28, 2018

I’m often asked “How much money should I save for retirement?”  Well, your journey toward retirement has twists and turns unique to you.  Likewise, your retirement goals are probably different from mine and that of your neighbors’.  Although there isn’t […]

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Standard Deviation

by Craig Moser on December 14, 2018

Measuring gains and/or losses on investments begins when you purchase the investment. Also known as the reference point, the impact going forward shows investment returns aren’t in a straight line. So how do we measure, and what should we expect?  […]

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Getting Tax Efficient

by Craig Moser on November 30, 2018

I frequently see people losing money to taxes.  Usually it’s because they don’t consider (or understand) the impact different types of investments have on taxes.  The trade-off of getting tax efficient is accepting short-term costs for long-term benefits.  Below are […]

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