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January 6, 2022

Positioning Yourself for Early Retirement

If you’re a follower of FIRE (financial independence, retire early) you may already be well on your way. The FIRE movement espouses saving and investing 50%-70% of your income until you hit your target dollar amount and then only withdrawing 4% annually (adjusted for inflation) throughout the rest of your life. It would be great […]

June 23, 2020

Should You Take a Loan From Your Retirement Account?

One avenue is to take a loan from their retirement accounts. But should you? This question suggests a multitude of responses and is one of the most frequently asked questions by retirement participants. Let’s take a deep dive and review the pros and cons, but we’ll start with the basics. Your retirement plan provides a powerful savings […]

April 6, 2020

Coronavirus, Aid, Relief and Economic Security (Cares) Act FAQs

Can I make withdrawals from my retirement funds to pay for COVID-19 related expenses? Yes, if your plan allows, you can withdraw up to $100,000 without paying a penalty if you make your withdrawal between January 1 to December 31, 2020. Who is eligible to make COVID-19 related withdrawals? You, your spouse or dependent must […]

January 8, 2020

The SECURE Act. Ready or Not, Here It Comes.

So how will the SECURE Act effect your retirement savings? Below are a few of the major provisions and how they might affect you. Don’t Miss: Retirement planning is more than saving No Age Restrictions on IRA Contributions Currently, contributions to a traditional IRA are not allowed if you are a working taxpayer over the age […]

December 19, 2019

How to Detect and Avoid Email Scams?

The most common type of fraud is called “Phishing”, a social act in which the sender tries to impersonate a legitimate service or company to gain either your personal information or access to personal websites. This is accomplished by the fraudsters creating identical websites to the legitimate ones and prompt you to “update” or “verify” […]

November 12, 2019

Staying Proactive With Your Finances

Don’t miss: Do you need life insurance?  These choices not only impact your finances today but potentially the rest of your life. The best time to learn good spending and financial habits is now – and we are happy to bring you a few pieces of advice given our years of experience and expertise in […]

October 19, 2019

4 Major Retirement Pitfalls to Avoid

Pitfall #1: I don’t want to talk about it The first hurdle to get over is talking with your partner about retirement. A lot of people don’t know where to start. Many get hung up on picking an age to retire. Instead, ask yourself what does retirement look like for me? Working less? Never stepping […]

October 8, 2019

Life Insurance: Do You Need It?

According to the 2019 Insurance Barometer Study (Life Happens/LIMRA), 40% of those without insurance coverage would have immediate trouble paying living expenses if the primary wage earner died. When evaluating your insurance needs it’s best to think about what financial obligations need to be taken care of in the event of your death. Are you […]

September 24, 2019

Boost Your Retirement Savings

1. Your spouse doesn’t work So long as you have earned income, your non-working spouse can maintain a separate IRA in his or her name—funded from your earnings—effectively doubling your savings potential. Don’t miss: Should you lease or buy your next car? 2. You freelance or have a side business If you earn income from freelance work or a […]

June 25, 2019

A Better Cash Strategy

Do your bank deposits still earn next to nothing? They shouldn’t be, and you don’t have to take it anymore. I know that banks haven’t paid much in interest since the last financial crisis, but times have changed. Your accounts should be yielding something closer to 2%, and if they aren’t, you may want to switch banks. […]

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