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Monday, November 25, 2019

Can You Put Your IRA into a Trust? What you should know about naming an IRA beneficiary. Provided by Andy Ortiz Can your IRA be put directly into a trust? In short, no. Individual retirement accounts (IRAs) cannot be put directly into...

 

Thursday, November 7, 2019

The Solo 401(k) A retirement savings vehicle designed for the smallest businesses. Provided by Andy Ortiz Do you work for yourself? Then take a look at the solo 401(k), which marries a traditional employee retirement savings account to...

 

Thursday, October 24, 2019

End-of-the-Year Money Moves Here are some things you might consider before saying goodbye to 2019. Provided by Andy Ortiz What has changed for you in 2019? Did you start a new job or leave a job behind? Did you retire? Did you start a...

 

Tuesday, October 8, 2019

Overlooked Tax Deductions for Small-Business Owners Helpful tips for tax time. Provided by Andy Ortiz Being a small-business owner isn’t easy. After all, balancing payroll, managing employees, drawing up marketing plans, and...

 

Monday, October 7, 2019

Annual Financial To-Do List Things you can do for your future as the year unfolds. Provided by Andy Ortiz What financial, business, or life priorities do you need to address for the coming year? Now is a good time to think about the...

 

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Tuesday, October 1, 2019

Avoiding Large Losses in Your Portfolio "Rule No.1: Never lose money. Rule No.2: Never forget rule No.1." – Warren Buffett1 Provided by Andy Ortiz Risk is a factor in any investment decision that you make. Your tolerance for risk...

 

Monday, September 30, 2019

Systematic Withdrawal Strategies Should you arrange automatic distributions from your retirement or investment accounts? Provided by Andy Ortiz Some retirees wish they could simplify money management. Estimating investment income,...

 

Tuesday, August 20, 2019

Why Having a Financial Professional Matters A good professional provides important guidance and insight through the years. Provided by Andy Ortiz What kind of role can a financial professional play for an investor? The answer: a very...

 

Friday, August 16, 2019

Dollar Cost Averaging in a Down Market This investment technique may help you take advantage of the downturn. Provided by Andy Ortiz Buying low and selling high is the oldest stock market adage. How does one put it into practice?...

 

Wednesday, August 14, 2019

Understanding Long-Term Care The important question: Are you prepared? Provided by Parisa Moradi Addressing the potential threat of long-term care expenses may be one of the biggest financial challenges for individuals who are...

 

Friday, August 9, 2019

Can an IRA Be a College Savings Vehicle? You might be surprised at its potential. Provided by Andy Ortiz An IRA is a retirement savings account, right? Indeed. IRA stands for Individual Retirement Arrangement. Even with that definition...

 

Monday, August 5, 2019

Diversification, Patience, and Consistency Three important factors when it comes to your financial life. Provided by «representativename» Regardless of how the markets may perform, consider making the following part of your...

 

Friday, August 2, 2019

Tax Efficiency What it means; why it counts. Provided by Andy Ortiz The after-tax return vs. the pretax return. Everyone wants their investments to perform well. But for many investors it’s their after-tax return that may make...

 

Thursday, August 1, 2019

Investment Policy Statements What are they? Why are they important? Provided by Andy Ortiz A self-fulfilling policy. An investment policy statement (IPS) is a document which helps the client and advisor stay “on the same...

 

Tuesday, July 9, 2019

Eight Mistakes That Can Upend Your Retirement Avoid these situations, if you can. Provided by Andy Ortiz Pursuing your retirement dreams is challenging enough without making some common, and very avoidable, mistakes. Here are eight big...

 

Wednesday, June 26, 2019

The SECURE Act and Traditional IRA Changes What is it? How might it affect retirement strategy? Provided by Andy Ortiz If you follow national news, you may have heard of the Setting Every Community Up for Retirement Enhancement...

 

Tuesday, June 18, 2019

What People Overlook When Shopping for Life Insurance A few realities that must be acknowledged. Provided by Parisa Moradi Shopping for life insurance means paying attention to detail. In scrutinizing these details, however, some...

 

Monday, June 17, 2019

The FIRE Movement A radical new approach to working, saving, and retiring. Provided by Andy Ortiz Retire before 50 and live your best life. That is the message of the FIRE (Financial Independence, Retire Early) movement, which is...

 

Friday, June 14, 2019

The Financial Realities of Longevity Your financial future is up to you and no one else. Provided by Andy Ortiz What will be your future? You know that solid retirement strategy takes your time horizon, an often unpredictable factor,...

 

Thursday, June 13, 2019

Retiring Single You will want to replace your income; you will also want to stay socially engaged. Provided by Andy Ortiz About 6% of Americans 65 and older have never married. That statistic comes from a 2018 Census Bureau report,...

 

Friday, June 7, 2019

Reducing the Risk of Outliving Your Money What steps might help you sustain and grow your retirement savings? Provided by Andy Ortiz “What is your greatest retirement fear?” If you ask any group of retirees and pre-retirees...

 

Wednesday, June 5, 2019

Roth IRA Conversions What are your options? What are the benefits? Provided by Andy Ortiz If you own an Individual Retirement Account (IRA), perhaps you have heard about Roth IRA conversions. Converting your traditional IRA to a Roth...

 

Sunday, May 26, 2019

Taking Charge of Your Financial Life Delegating responsibilities to others may lead to problems down the road. Provided by Andy Ortiz When you are putting together a household, it isn’t unusual to delegate responsibilities. One...

 

Sunday, May 26, 2019

Why DIY Investment Management Is Such a Risk Paying attention to the wrong things becomes all too easy. Provided by Andy Ortiz If you ever have the inkling to manage your investments on your own, that inkling is worth reconsidering....

 

Wednesday, May 15, 2019

Major Risks to Family Wealth Will your accumulated assets be threatened by them? Provided by Andy Ortiz All too often, family wealth fails to last. One generation builds a business – or even a fortune – and it is lost in...

 

Wednesday, May 15, 2019

TOD or Living Trust? A look at two basic methods for shielding assets from probate. Provided by Andy Ortiz How do you keep assets out of probate? If that estate planning question is on your mind, you should know that there are two...

 

Wednesday, April 24, 2019

Do Your Investments Match Your Risk Tolerance? When was the last time you looked at the content of your portfolio? Provided by Andy Ortiz From time to time, it is a good idea to review how your portfolio assets are allocated –...

 

Wednesday, April 3, 2019

You Could Retire, But Should You? It might be better to wait a bit longer. Provided by Andy Ortiz Some people retire at first opportunity, only to wish they had waited longer. Your financial strategy likely considers normal financial...

 

Saturday, March 2, 2019

Midlife Money Errors If you are between 40 & 60, beware of these financial blunders & assumptions. Provided by: Andy Ortiz Mistakes happen, even for people who have some life experience under their belt. That said, your retirement...

 

Monday, February 18, 2019

Bad Money Habits to Break Behaviors worth changing. Provided by: Andy Ortiz Do bad money habits constrain your financial progress? Many people fall into the same financial behavior patterns, year after year. If you sometimes succumb to...

 

Thursday, February 14, 2019

Is America Prepared to Retire? A look at some ways to get ready. Provided by: Andy Ortiz Are Americans saving enough? Only 19% of U.S. adults describe themselves as “very confident” when asked about their savings. Worry...

 

Tuesday, January 22, 2019

Your Emergency Fund: How Much is Enough? An emergency fund may help alleviate the stress associated with a financial crisis. Provided by: Andy Ortiz Have you ever had one of those months? The water heater stops heating, the dishwasher...

 

Thursday, October 25, 2018

Tip: How Much? Check your Social Security earnings and see an estimate of your benefits on the website, www.ssa.gov. Social Security’s been a fact of retirement life ever since it was established in 1935. We all think we know how...