Archive | Retirement

Financial Bodyguard

Who is Your “Financial Bodyguard”?

One of the most important roles that we fulfill is that of stewardship. Webster’s defines stewardship as “careful and responsible management of something entrusted to one’s care”. Many years ago, one of our clients referred to us as his “financial bodyguard”. While the words may differ, the meaning is roughly the same.  Financial planning is […]

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Buckets

Buckets are Better

For all the gyrations over complicated financial strategies and products, one of the best methods to accomplish goals is through the use of “buckets”. That is, organizing savings into tax-deferred (retirement plan accounts) and taxable (dollars invested after taxes) accounts in order to increase long-term flexibility. Sometimes this may mean opting to “personalize“ rather than […]

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Choose

This OR That

We make dozens of choices each and every day. We drive our car in one direction, instead of another. We shop at one store, instead of another. We attend one church, instead of another. All of these are mutually exclusive choices that don’t seem to provide us much difficulty. In the financial arena however we […]

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Department of Treasury

IRA’s – Today, Tomorrow, Always?

A new budget proposal from the Obama administration brings back some themes from the past; namely, taxing “excess” accumulations (or more specifically, “excess” distributions) from IRA’s and other retirement accounts. Believe it or not, this idea has been on the books previously, as part of the Tax Reform Act of 1986. It was repealed a […]

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