Insights
Drawing on our deep industry knowledge, we assist clients with access to a wealth of insights and educational resources. Here, you can gain valuable perspectives on current market dynamics and explore our comprehensive retirement resources, offering a collection of financial planning, wealth management, and investment strategies.
Timely Q & A
A lot of our clients want to know what is meant by the term parabolic rise in a stock price. A parabolic rise is best shown by this illustration. You get a stock that’s basing, the price just stays stable, goes up and down a little bit, and then some news comes out and “boom”
When Confronting a Difficult Loss
If you have to deal with a difficult loss in your family, among your close friends, or if you are going through the personal tragedy of losing your spouse or life partner, keep reading. Unfortunately, many of us women of the baby boomer generation need to prepare for such an event, if statistics are to
529 Plan Distribution Options
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 funds can be used for “qualified higher education expenses,” up
Another Chance to Refinance
Mortgage refinance rates are back to historically low levels following the removal of the Adverse Market Refinance Fee on August 1st, 2021. This was 50-basis point fee (0.50%) lenders were required to pay the Federal Housing Finance Agency (FHFA) which regulates Fannie Mae, Freddie Mac and the Federal Home Loan Banks for refinanced mortgages. If
The Future of Social Security
This video recaps excerpts from a shared experience with one of our clients. Jim: “Let me also ask you then, do you have any thoughts about the likelihood of Social Security being there for the rest of our lives or our kids?” Vance: “It’s definitely something that is talked about a lot. And my thought
How Much Money Can I Safely Spend in Retirement?
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: if you have the assets and you’ve saved up over the course of your life, how
What About Speculation?
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 talk briefly about what’s going on in the
The Importance of Keeping Cash in the Bank
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 the ready. Although many people agree that an emergency fund is an important resource, they’re
Plan Sponsors – Mandatory 401(k) Plan Restatements
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 periodic amendments to their plan document. The IRS mandates these plan restatements to
Series I Savings Bonds
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 comprised of a fixed rate, currently 0%, and a floating
