Building Your Three-Legged Stool

by Craig Moser on April 13, 2017

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 end […]

Continue Reading

Capital Gains Tax Rates for 2017

by Craig Moser on March 31, 2017

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 in […]

Continue Reading

Interest and Your Financial Decisions

by Craig Moser on March 21, 2017

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, go […]

Continue Reading

Unintended Outcomes: Long-term Care

by Craig Moser on March 3, 2017

As a Certified Financial Planner, I work to build plans that reflect my clients’ futures as accurately as possible.  Inevitably, planning comes down to a question of dealing with unintended outcomes.  For example, “How will the possibility of a long-term […]

Continue Reading

Baseball Investment Strategies

by Craig Moser on February 24, 2017

Statistics are interesting and can reveal different scenarios based on the time frame being viewed.  Imagine a baseball player who strikes out 200 times and has 50 home runs in a year.  This baseball player is very similar to an […]

Continue Reading

Dear Ole Dad's Pension

by Craig Moser on February 17, 2017

I was talking to a client whose Dear Old Dad advised that assets should double every 7 to 10 years.  He also said she could do this while withdrawing 5% per year.  This scenario was possible in her dad’s era. […]

Continue Reading

Roth vs. Traditional IRA

by Craig Moser on February 3, 2017

I know a woman named Jennifer, who thanks herself when she benefits today from something she did previously.  It might be as simple as having milk in the refrigerator because she stopped for a gallon the night before.  Retirees with […]

Continue Reading

Your Retirement Road Ahead

by Craig Moser on January 20, 2017

Growing older requires most of us to think about the road ahead and things we have never approached before.  A big one is the “R” word.  Yes, retirement starts to get closer.  If you have taken the time to prepare, then […]

Continue Reading

Ready to get MORE out of your retirement?

Kickstart your retirement plan by requesting our complimentary MORE toolkit today.
Here's what you'll get:

Customized Social Security Benefit Summary
to help maximize the payments you are entitled to

Financial Organizer
to summarize all aspects of your financial affairs

Portfolio Evaluation
showing how your investments have performed historically and the fees that you are paying

Show Buttons
Hide Buttons