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We help individuals and families pursue their ideal retirements.

What I Should Know About My Thrift Savings Plan

By webteam | July 16, 2014 |

Thrift Savings Plans and The Investment Fund Allocation Choices As with all things, understanding the Big Picture can help tremendously in your financial goals. A Thrift savings plan, or commonly known as TSP, is a retirement program offered to Federal Employees. A Thrift Savings plan allows the employee to contribute dollars towards their retirement on…

Old Fashioned Financial Independence

By webteam | February 10, 2014 |

Old Fashioned Financial Independence Are you looking to become financially independent? True financial independence calls for a combination of hard work, discipline, and a few simple steps which I will outline here.

How to Create Income During Retirement

By webteam | January 27, 2014 | Comments Off on How to Create Income During Retirement

How To Create Income During Retirement Want to learn how to create income during retirement? Your strategy used will be determined during the accumulation phase or the preservation stage.  Today I will discuss what to focus on when you are ready to retire.  Focus should be placed on creating the income you need and how…

Multiple 401k Plans and Options

By webteam | December 11, 2013 |

Multiple 401k Plans and Options Here are some common questions we get asked when it comes to 401k plans. “These days many people have moved around, from job to job, ending up with multiple 401k plans. What should I do? Leave the 401k where it is, move it to my new employer, or simply covert…

4 Items to Review During Retirement

By webteam | November 21, 2013 |

Items to Review During Retirement Analyze your current portfolio.  How much risk are you currently taking?  What is the amount of volatility you are willing to accept and does your portfolio reflect that?  If you know that you cannot bear more than 10 percent fluctuation when the market is down, is your portfolio positioned accordingly?…

Cash Value Life Insurance – Advantages and Disadvantages

By webteam | November 11, 2013 |

Cash Value Life Insurance – Advantages and Disadvantages Cash value life insurance has been a big controversy amongst financial planners over the years.  Some say it is a great tool because you can build a retirement account to offset your retirement income on a tax free basis.  Others say it is a terrible investment because…

Do I Need an Investment Advisor?

By webteam | October 28, 2013 |

Do I Need an Investment Advisor? Most of us are busy with work, kids, church, walking the dog, possibly caring for an elderly parent, and a variety of other responsibilities that consume our day.  With all that we have going on, we tend to have little to no time for ourselves.  We often neglect things…

Fundamentals of Investing

By webteam | October 15, 2013 |

Fundamentals of Investing Don’t fall prey to herd mentality With the government shutdown and other worldwide uncertainties, by “not following the herd,” the investor has opportunity.   When we have wars, natural disasters, government regulation, interest rate fluctuation, high unemployment, etc., downturns in the market often occur and investors often run for the hills. However, for…

How to Control Risk in Your Bond Portfolio

By webteam | October 7, 2013 |

How to Control Risk in Your Bond Portfolio   Do you wonder how you can control risk in your bond portfolio? Many are worried about interest rates going up and bonds losing value. The good news about bonds – you have the ability to control risk in your bond portfolio, better than with your stocks. …

Retiring and Taking Social Security

By webteam | September 30, 2013 |

Retiring and Taking Social Security As of 2013, full retirement age is 66 for anyone born in 1943 or earlier.  Born between 1943 and 1959? Full retirement will be at age 66 plus two months depending on what date your birthday falls. If you are like me, born after these dates, full retirement is age…

2013 Year End Tax Tips

By webteam | September 18, 2013 |

2013 Year End Tax Tips Now is the time to consider these 2013 year end tax tips. Consult your tax advisor to see what is best for your situation. IRA Contributions: You may want to maximize contributions  to your retirement savings.  Contributions to your IRAs, 401(k)s, TSAs, and other plans will not only reduce your…

2013 Fiscal Cliff how will it affect you?

By webteam | November 16, 2012 |

2013 Fiscal Cliff is a major concern for many.  We know that if congress does not act the Bush tax cuts will end this year.  The current rates are (10%, 15%, 25%, 28%, 33%, and 35%) the new rates will be (15%, 28%, 31%, 36%, and 39.6%).  Capital gain rates and dividend rates will be…

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