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Have you ever heard the phrase, “half the battle is just showing up?” Saving systematically is kind of like that. You’re also probably already doing it too in your 401(k), IRA or other retirement plans. In the financial planning world we call this simple, yet effective strategy, dollar cost averaging. Dollar Cost Averaging Dollar Cost […]
The amount of risk that you are willing to take in your portfolio can have a significant impact on your ability to reach your goals. Risk tolerance is a hot topic when it comes to portfolio design when working with a financial advisor. It’s important to understand risk and what the consequences of choosing a […]
If you are making the decision to work with a financial advisor, Congratulations! You have made the bold decision to reach your fullest potential and go where you probably couldn’t go alone. Are you wondering how to work with a financial advisor or don’t know what to expect? Fear not, here is your financial advisor […]
Financial advice is easy to come by. Great advice? Not so much. So, how do you know if you are getting great advice from your financial advisor? There are a couple of points that I believe need to be reviewed in order to determine if you are getting great financial advice. Great Financial Advice Checklist […]
Small business owners know tax season is chaos. And maintaining an efficient organization can become complicated and tedious. With the changing tax laws and the constant mission of tax savings, you can feel bogged down and lost. Here are a few strategies that you can use to help ease the process of dealing with tax […]
It’s close to the years end and the right time to review your overall portfolio. It’s also a good idea to start thinking about the tax implications that your portfolio will have as we get closer to the tax deadlines. The market had been hitting all-time highs, which means that you may have some gains […]
If you’re looking to retire early, have sufficient wealth and have a significant portion of your retirement money actually in your retirement accounts listen up. The 72(t) rule that requires a Substantially Equal Period Payment may provide you the ability to tap your retirement early and avoid tax penalties. That’s right! You can retire early […]
Debt is a thousand pound weight attached to your ankle. Try going anywhere and you’ll soon wish you had a strategy to reduce your debt. Interest rates are still relatively low, but is that a good enough excuse to rack up the debt? Someone told me recently that money is “cheap,” and why not rack […]
Is retirement a right or luxury? The goal for many working Americans is to retire, but some would like to retire earlier. What’s a reasonable retirement age? 45, 50, 55, 60, 70 never? Of course, that’s up to you — if you’re willing to work hard. Retiring early or achieving your financial independence can be […]
Reducing debt can be hard work. Especially in today’s economy with job losses, gas prices all over the place, government actions that leave us guessing. It’s no wonder that many American’s are up to their eyeballs in debt. Debt is a lot like sleepwalking; you just wake up and have no idea how you got […]