Archive | Retirement Accounts

You Probably Don’t Need Advice

Urgency and Advice A large percentage of the individuals who contact us say they need “advice”. What this usually means is that they want a resolution to an urgent problem. The situation is urgent because often it has been ignored and the opportunity for a “painless” remedy has long since passed. They now are faced […]

Continue Reading 0
ppl2

The Ring Of Temptation

The financial services system is really just a giant marketing machine, pushing expensive packaged investment products onto unsuspecting investors. Even experienced and savvy investors have trouble unraveling the byzantine structure of fees, commissions and other charges associated with these investments. Thats where we are different…

Continue Reading 0
Two Buckets are Better than One

Why Two Buckets are Better than One

An important financial planning tool that we strongly recommend is having both tax-deferred and taxable investment portfolios. Very often, when we meet with new clients, they have all or almost all of their retirement savings in tax-deferred accounts. Since the tax code encourages this, it is not unexpected. Ultimately, however, this presents a planning problem […]

Continue Reading 0
Too Many Choices

Over Thinking and Under Doing

It’s easy to over analyze financial decisions. One of the byproducts of over thinking is under doing. Since you have to do something in order to achieve something, trying to make perfect choices can have a detrimental impact on your long-term financial well-being. “Analysis Paralysis” is real.       More is Less Having choices […]

Continue Reading 0
file7001246481267

Avoiding Mistakes with Your Largest Assets – Part 1

For many individuals, their house and retirement plan represent their largest assets (aside from human capital, the ability to produce income). Financial mistakes, particularly mistakes later in your working life, can have long lasting impacts on lifestyle choices. The philosophy and approach towards managing these assets can make all the difference. In this article, we […]

Continue Reading 0
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 […]

Continue Reading 0
Hosted by Zee Creative, Inc.