When people think of Investing for Income, the first thing that might come to mind is investing in non-stock market investments, like bonds. Yes, bonds and bond-like instruments are an important part of investing for income, but there is also a way for those with the willingness and ability to endure some level of stock…
The great Alabama coach âBearâ Bryant once said, âDefense wins championships,â and you can bet that almost every great coach in nearly every sport has shared that same philosophy. Just think about some of the great sports dynasties, teams that won championships year after year: the Green Bay Packers under Vince Lombardi, the Boston Celtics…
One of the first things people do once they get serious about planning and saving for retirement is to look at a retirement calculator to find out how much they need to save. Thereâs nothing wrong with that. However, every personâs situation is completely different. What might be the right amount for one person will…
Working Americans at or approaching retirement age today face many unprecedented challenges unique to their generation. Thatâs why itâs important to have a retirement plan that addresses these challenges and uncertainties head-on. One of the keys to doing just that is being aware of the retirement planning milestones that occur from age 50 onward. Several…
Dispelling myths, rumors and misinformation is an ongoing battle for financial advisors. Estate planning is a topic especially prone to myths and misinformation. In this report, Iâm going to dispel 10 common myths about Estate Planning and give you the real facts â facts that could be critically important to helping protect your financial future.
Itâs no secret that Americans are living longer than ever. While thatâs great news, it also creates many personal and social challenges. According to the Centers for Disease Control, for a couple in their mid-60s, there is a 50% chance that at least one of them will live into their mid-90s. That means Americans planning…
Traditionally, the key to a financially solid retirement plan has been to save early, ideally from the day you start working. Itâs always been good advice to live by, but todayâs retirement is more complex. It requires a different approach. It wasnât always this complicated. There was a time in the not-so-distant past when you…
Since many of todayâs financial advisors got into the business in the 1980s and 90s, during the best stock market in U.S. history, most have become stock market specialists. Frankly, if they do fixed income, itâs usually an afterthought, and most will simply take the easy way out and invest their clientsâ money in bond…
Nothing exists in a vacuum, meaning that even if youâve determined the best time and method of taking your Social Security benefits based on your age, objectives, and lifelong earnings, it wonât matter unless you properly coordinate your benefits with your overall retirement income plan. Most people agree that Social Security is not enough to…
There is an ideal order in which to pull from retirement accounts when taking IRS Required Minimum Distributions (RMD). The goals, which often go unheeded, are to help minimize taxes, try to minimize taking principal, and earn as much as possible. These goals are easy enough to understand, but there are many factors to consider.…
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