Blog

Paying for College With Your Roth IRA

by Craig Moser on July 5, 2019

As college costs continue to increase, parents are exploring every possible tool available to meet those costs.  Roth IRAs can play a significant role, but the rules can be confusing.  Before paying for college with your Roth IRA, make sure […]

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Five Common Retirement Mistakes

by Craig Moser on June 21, 2019

These days, planning for retirement isn’t just a luxury. It’s a necessity. Retirement has become too complex to just pick a day to stop showing up for work. You have to factor in savings, expenses, taxes, and other spending. And […]

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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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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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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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Customized Social Security Benefit Summary
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