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Pay me now or pay me later applies to your retirement accounts. Let’s talk about when it makes sense to pay up now and minimize your tax liability during retirement.

Investment losses can be painful, but they often come with great opportunity. This includes not only buying equities at discounted prices, but significant tax benefits if you are opportunistic.

Inflation is running hot, the market is volatile, and I-Bonds have become attractive. This article addresses the basics of I-Bonds and how you can assess if they are right for you.

In my nearly 14 years in this business, I’ve seen financial advice given by many different professionals. Insurance agents, stock brokers, bank representatives, real estate professionals, next door neighbors and the like. I’ve seen some great advice given, but also some terrible advice. This often times leads to the general public to think “what is […]

What is a Health Savings Account? In simple terms, a Health Savings Account, or “HSA,” is an account owned by an individual that can be used to pay for health care expenses, either now, or in the future.  The accounts are eligible for those who have a High Deductible Health Plan and are funded with […]

The Annual Report on Philanthropy from Giving USA estimates that individuals gave $324.10 billion to US charities in 2020.  This was an increase of 2.2% year over year from the 2019 report.  Despite all of the negative news the media likes to focus their attention on,  America is a very generous country.  However, I run […]

Have you stress tested your retirement goals? “When you retire, there are two doors in which you can walk through.  Door #1, the people outlive the money.  Door #2, the money outlives the people.  My mission is to help people walk through door #2.”  – Nick Murray Karen and Pat had a goal to retire […]

70% of those 65 and older will need long-term care services. The question is, how will you pay for it? We will address buying insurance vs “self-insuring” in our article.

You’re invited to join us live on Thursday, September 30th @ 2pm – 3pm EST. Free Webinar Have you stress tested your retirement plans? If you are within 10 years of retirement, you must have a plan for the 6 “what-if” scenarios that could derail your financial goals. The year was 2007, and my parents […]

Planning for retirement after losing a loved one is difficult. The key is taking it one step at a time and consult with the right professionals.

The primary concern for just about everyone I meet with is how to retire with the same lifestyle they currently enjoy.  “Retiring” has a different meaning now than it did 20-30 years ago.  Nowadays, people retire TO something.  Whether it be to travel the world, spend time with family, volunteer, start a hobby, or work […]

The decision to claim or delay Social Security is critical to long term success in retirement. In this article, I will address key questions my clients have to help begin the conversation on Social Security planning.

Planning for expected events in Retirement is easy. Planning for the unexpected is wise. These are the top four stress tests to put your Retirement Plans through to see if you are as bullet proof as you need to be.

They say it’s not what you earn, it’s what you keep. I agree with this wholeheartedly as it relates to not spending more than you make (obviously). However, in my line of work, being sensitive to the TAX efficiency of a retirement plan is critical. If I can save my clients $10,000 or even $20,000/year in taxes during retirement, that’s huge!

In a world where it seems like companies are moving away from customer service and towards automation, I wanted to have a practice where the focus was on white-glove service and treating every client like family instead of a number.