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529 Plan Distribution Options
September 15, 2021 529 Plan Distribution Options By Paul Miloe, CRPS® With several schools back in session and others starting soon, many parents are setting budgets for private tuition and college. Those who funded 529 plans have the accumulated funds as an available resource, but most aren’t totally clear on how they can be used. 529 [...]
Summer Volatility Heating Up
Summer Volatility Heating Up July 8, 2021 This summer and the second half of the year could be marked by more market volatility, as investors become less complacent about growing risks and momentum fades. Bond investors have been bidding up bond prices, sending 10-year Treasury yields lower, to under 1.3% (from 1.75% just a few [...]
How Much Money Can I Safely Spend in Retirement?
June 15, 2021 How Much Money Can I Safely Spend in Retirement? By Vance Albitz, CFP® The number one question we get from retirees is: from the point that I retire until the end of my plan, how can I make sure I don't run out of money? I'll even take that a step further: [...]
The Importance of Keeping Cash in the Bank
June 14, 2021 The Importance of Keeping Cash in the Bank By Sylvia Salguero, Financial Advisor Bad things happen to the best of us, and instead of conveniently spacing themselves out, they almost always come in waves. The important thing is to have a financial life preserver, in the form of an emergency cash fund, at [...]
What About Speculation?
June 14, 2021 What About Speculation? Phil Albitz, CFP® Hi Everybody, It’s that time we send out our every other month email blog. We try our best to provide interesting and timely information. We get a lot of good feedback on this method of staying in touch with you. We appreciate the comments. I’m going to [...]
Plan Sponsors – Mandatory 401(k) Plan Restatements
June 11, 2021 Plan Sponsors – Mandatory 401(k) Plan Restatements By Paul Miloe, CRPS® Plan Sponsors – Mandatory 401(k) Plan Restatements Approximately every 6 years, the IRS mandates that all employers restate plan documents on their qualified plans (401(k), 403(b), defined benefit, etc.). Due to tax law changes and other factors, many retirement plans will have [...]
Series I Savings Bonds
June 10, 2021 Series I Savings Bonds By Clete Albitz, CFP® Investors are increasingly concerned with ways to protect their savings from rising inflation. Series I Savings Bonds are a unique asset that can meet this objective. These savings bonds are issued by the U.S. Treasury and the current annual yield is 3.54%. This rate is [...]
