Articles

Understanding Common Advisor Designations

Understanding Common Advisor Designations

What does it all mean? Have you ever looked at someone’s business card or credentials and there appears to be a bowl of alphabet soup spilled behind their name? These credentials must be important, but what do they all stand for? We will discuss some of the more...

Why You NEVER Own Real Estate in an IRA

Why You NEVER Own Real Estate in an IRA

Could be doing much more with your IRA instead of investing it in mutual funds, stocks, and bonds? By putting “better” investments into your IRA, you could gain a better return, and more importantly, a better retirement. Most custodians holding your IRA account are...

How Your Advisor Gets Paid

How Your Advisor Gets Paid

When working with a professional to help you with your money and investments, you need to understand their motivation. Understanding your advisor’s incentives helps you to know why they are helping you and if what they are saying or doing is in your best interest....

Your Guide to Health Savings Accounts

Your Guide to Health Savings Accounts

More and more employers are starting to offer health savings accounts in lieu of a standard health plan. Unfortunately, employees seem to know little about health savings accounts and why they may be better than going with the standard plan. A health savings account...

Creating a Personal Net Worth Statement

Creating a Personal Net Worth Statement

If you had a quick snapshot into your financial life, don’t you think you could make wiser decisions around your money? Net worth is a measure of financial health. Your main financial goal should be to increase your net worth over your life. By creating a personal net...

Social Security and the Earnings Test

Social Security and the Earnings Test

No matter how you feel about social security, it is still one of the most important assets a person will have in their lifetime. According to a study by Allianz, approximately 63% of people fear running out of money in retirement – more than fear death. Social...

Why the 4% Rule is Wrong

Why the 4% Rule is Wrong

Once you begin to think about retirement, you will stumble upon the 4% withdraw rate rule. Simply put, it states that if you only withdraw 4% per year in retirement from your retirement accounts, you will not outlive your assets. This may be a good place to start when...

Emergency Funds – Why You Need One Yesterday

Emergency Funds – Why You Need One Yesterday

No matter who you talk to in the financial world, you will always here that you need an emergency fund. The importance of an emergency fund cannot be overstated. Too often people back themselves into a financial corner by not being prepared for the worst. How often...

Roth IRA – The Ultimate Guide

Roth IRA – The Ultimate Guide

The Roth IRA seems like a simple retirement account at first glance. But there are some intricacies to the Roth IRA that can leave even the best minds confused. To start with, the Roth IRA has several 5-year rules that occur at different times and under different...

Traditional IRA or Roth IRA

Traditional IRA or Roth IRA

There seems to be an ongoing debate about which individual retirement account is better, a Roth IRA or a Traditional IRA. The debate continues because ultimately there is no clear winner. These two different retirement accounts each have their advantages and...

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