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If You Have or Are a Stay-At-Home Spouse, You Should Consider a Spousal IRA

An ongoing study of IRA accounts has consistently found that women, on average, have lower retirement savings balances than men (see chart below). Though there may be multiple reasons for this disparity, the most fundamental are the wage gap between men and women and the fact that women are more likely than men to take...
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How Long Should Your Keep Financial Records?

Now that tax season is almost over, you may want to file your most recent records and discard older records to make room for the new ones. According to the IRS, personal tax records should be kept for three years after filing your return or two years after the taxes were paid, whichever is later*...
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Stock Ownership Slow to Recover

Dynamic versus Static Investment Risk Strategy

This is the first of a two-part article on Dynamic versus Static Risk Strategy.  Fifty-five percent of Americans said that they (and/or a spouse) had money invested in the stock market in 2019. Since this is the same percentage of Americans as was reported in 2018, it's obvious stock ownership still has a way to...
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Social Security

Social Security May Offer You a Lifetime of Protection

Social Security is much more than a retirement program. Most Americans are protected by the Old-Age, Survivors, and Disability Insurance (OASDI) program — the official name of Social Security — from birth through old age. Here are four times in your life when Social Security might matter to you or the people you care about....
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Two Keys to 401(k) and Retirement Investment Planning Success

Want to know a secret? The two keys to 401k investment and retirement success* are: Save and invest aggressively when young Manage risk well in allocations as you approach and enter retirement I know those are oversimplified but they are accurate. Knowing this, when was the last time you evaluated how much you’re saving or...
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Rethinking Retirement Income

A frequently asked question in our office is related to the subject of Social Security income and whether it will continue in its current form, be changed or be there at all in the future. Since Social Security checks are many people's primary source of retirement income, what people are really asking is how their...
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We Salute Our Military Veterans!

Today is Veterans Day and we want to express our gratitude to all the brave men and women who have served in the U. S. military. Thank you for your years of service.
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Automated Financial Advice – Robo or No Robo?

Clients hear a lot about different types of financial risks they are exposed to when they plan for retirement; however, when you boil it all down they really care about only one risk and that is the risk of loss. Investors have lost 40% of their portfolio value since 2000… twice! One loss alone requires...
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Investing Disaster

Avoiding Investment Disasters: It’s No Accident – Part 2

This is the second of two posts on how avoiding investment disasters is no accident. It takes careful and thoughtful planning.   In our previous post (here) we discussed how a static risk management approach supplies too little protection in bear markets and too much in the bull markets. In fact, a good analogy is to...
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The Next Step?

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