Who can you trust? That’s a major concern for retired investors.
You don’t want someone who simply “has a job” in the financial services industry who sells products and services. You want a professional retirement advisor who has made the commitment to competency and high standards to serve their clients at the highest levels. Certified Retirement Financial [...]
Allocate Your Investments to Achieve Your Retirement Goals
Your retirement concerns may include income to live on, travel, gifting, and making bequests to heirs and charity. Which of these goals will you achieve and how? The value of your investments and their allocation among various investment categories suggest statistically what is realistic for you to achieve–but [...]
Is there a better way to manage your mutual fund portfolio through the ups & downs of the market?
If you have been a “buy-and-hold” investor through the most recent bull and bear markets, you might be aware of the shortcomings of this strategy. A buy-and-hold strategy seems to work out well in a bull market [...]
While many Americans have spent years planning for their retirements, a great many of them have made a basic discovery once they reach that plateau. Namely, that there are some issues that simple math and time will not necessarily resolve. If you are near retirement or have retired, here are several common mistakes that occur [...]
Your local bank likely offers among the lowest CD savings rate–not a good thing for your retirement investing. The local bank has the expense of rent, the tellers’ salaries and highly unproductive service representatives that will waste an hour opening a checking account. The expense of running a bank branch is enormous and therefore, the CD savings rate [...]
One aspect of retirement planning is protecting the assets you have accumulated. Estate planningis also about protecting the assets you have accumulated but comes at the issue of asset protection from a different aspect. For example, in retirement planning, one is concerned with asset allocation–the idea of spreading your money among different asset classes so [...]
A trust serves to separate legal and equitable title. In plain English, this means that a trust holds an asset (any asset like a house, car, or bank account) in the name of one person (called the Trustee), but that the asset is really for the benefit of someone else (called the beneficiary). Why have [...]
When an individual dies, assets of the decedent may be transferred based on how their titled or a named beneficiary. For example, assets held as joint tenants with right of survivorship pass directly to the other joint owner. Similarly, IRA accounts pass directly to the named beneficiaries as do payable on death accounts, transfer on death [...]
Estate planning is not just for the rich. It is for anyone that cares about their heirs. In fact, most aspects of estate planning basics have little to do with money.
Estate planning basics do address the eventual and economical distribution of your possessions and authority but more importantly, how you take care of your loved [...]
Many of you are somewhat familiar with the traditional Individual Retirement Account (IRA). It’s a type of retirement account that you can open yourself; it’s not run by your employer. For many people , it’s the bedrock of their retirement plan. Whatever you contribute to it grows tax deferred until you withdraw money. Your IRA [...]
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