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Home / Tag: planning

Tag Archives: planning

‘401(k) plan owners: Watch out’

401(k)

Imagine how you would feel if you were on a sinking cruise ship and couldn’t get off because there weren’t any life jackets or backup boats. Now ask yourself, if you were ...

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One reason why ‘target dated’ funds haven’t done well for over a decade

stock market funds

There’s a reason why we often refer to target date funds as ‘target dated’ funds. These types of investments rely on portfolio construction techniques to decide what to own based on decades ...

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Nearly 1/3 of investors 65+ sold at the stock market bottom

stock market

Typically when you fail to plan, you are planning to fail, and that applies to the stock market. It’s best to have a plan before trouble comes, rather than make emotional decisions ...

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Math and Music: Why Do I Have To Learn This?

use learn

“Why do I have to learn this? I’m NEVER going to use it.” It is likely that you have heard this (or even said it yourself) many times. Students question the usefulness ...

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Don’t play politics with your portfolio

Did the outcome of the election make you really happy and excited? Or did it leave you concerned, especially when it comes to your investments? Either way, you shouldn’t play politics with ...

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End of the year is a good time for a financial review and tune-up

year finances

People who are home with a little free time between now and the end of the year may want to get a handle on personal finances for 2021. CBN News made these ...

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How low can interest rates go?

interest rates

Looking back to the start of the century, interest rates have been in decline. Back then the Aggregate Bond Index was paying over 7%. Today? Just 1%. This means in order for ...

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Should you change investments ahead of the election? Maybe.

stocks, investments

Worried about what might happen to financial markets and your investments if we have the first contested election in 20 years, or if your candidate doesn’t win? You aren’t alone. Unfavorability ratings ...

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Who’s gonna pay for the ‘free’ lunch

free lunch

The saying “there’s no such thing as a free lunch” has been attributed to many people over the years. Someone must produce and someone must pay for what we consume. There has ...

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Nearly 1/3 of investors 65+ sold stocks at the market bottom

stocks, investments

Typically when you fail to plan, you are planning to fail. It’s best to have a plan before trouble comes, rather than make emotional decisions on the fly during times of duress ...

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The trouble with trillions

trillions

Recently, President Trump signed ‘phase 3.5’ of emergency interim coronavirus relief, which comes with nearly a half trillion dollar cost. All told the current running total is in the trillions, exceeding $4 ...

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Ways to avoid the new tax increase on retirement accounts

retirement accounts

Last month we discussed the SECURE Act and its projected $15.7 billion tax increase on beneficiaries of tax deferred retirement accounts (like 401(k)s, 403(bs), TSPs, IRAs, etc.). The only ones excluded from ...

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The offer of a new life to begin a new year

new life

The new year is an opportunity for a new start.  I once heard about a leader that regularly took a block of time in December to engage in planning and goal setting ...

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The 401(k) / IRA IQ Quiz: How safe is your retirement?

retirement accounts

While we all love the season of giving, there is one place that many are likely giving far more than they should: the Internal Revenue Service. As we’ve pointed out in our ...

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Creating a Bucket List: tips for seniors and family caregivers

The Bucket List, a 2007 movie starring Jack Nicholson and Morgan Freeman, helped contemporize the old expression “kick the bucket,” a common slang phrase for dying. Now, people of all ages often ...

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The ‘7% guaranteed’ annuity myth

One of the most common things I see when someone comes into our office for the first time if they own or have been pitched an annuity is the belief that the ...

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5 questions to ask when planning for long-term care

You may not want to consider a time when you might not be able to fully take care of yourself, but the reality is there is almost a 70% chance someone turning ...

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401(k) Plan Owners: Watch Out

retirement accounts

If you are a 401(k) plan owner, imagine how you would feel if you were on a sinking cruise ship and couldn’t get off because there weren’t any life jackets or backup ...

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Beneficiary mistakes can cost a fortune

Beneficiary designations are important in determining where certain assets of an estate will end up. Many think that a will or trust is what determines where everything goes. This is not necessarily ...

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Getting the taxman out of your retirement — Part 2

Last month, in part one of this article, we discussed how you might be in a lower tax bracket in retirement, but pay a higher tax rate. In this article, we’ll look ...

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Getting the taxman out of your retirement — Part 1

One of the most overlooked, but perhaps most important, aspects of retirement income planning is taxes and how they relate to Social Security. Taxation on Social Security benefits works differently than other ...

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Dave Says – Make sure it’s a gift

dave ramsey

Need some financial advice? Debt and Income Crisis? Pay off the house first? Check cashing? Taxes? Credit Cards? Check out what folks are asking Dave Ramsey.   Make sure it’s a gift ...

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Cancer and a detour on the road of life

detour life

I sometimes find it hard to pray for, and comfort those with cancer. I felt I couldn’t possibly know what they were going through, the doubts they had or their fear of ...

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Dave Says – Planning and success II: Fix it or sell it?

dave ramsey

Need some financial advice? Debt and Income Crisis? Pay off the house first? Check cashing? Taxes? Credit Cards? Check out what folks are asking Dave Ramsey.   Dear Dave, I’m driving a ...

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Dave Says – Planning and success

dave ramsey

Need some financial advice? Debt and Income Crisis? Pay off the house first? Check cashing? Taxes? Credit Cards? Check out what folks are asking Dave Ramsey.   Dear Dave, I’m stuck in ...

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