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Deferring Taxes

A common piece of financial advice that’s floating around in print magazines and online journals is that a person should spend taxable money first, leaving IRAs and other tax-deferred accounts to grow tax free until they withdraw the funds many years later. “Never tap your pre-tax accounts before age 59 ½.” “Don’t touch the funds… View Article

Getting to Know Bonds

A bond, as some people are likely aware, is a loan from the investor to the issuer of the bond. Investors can lend to corporations, local municipalities, and the Federal Government (to name a few examples).

Roth IRA Conversions

With the lure of tax-free distributions, Roth IRAs have become increasingly popular retirement savings vehicles. According to the Investment Company Institute, 19.1 million U.S. households (about 15.6%) owned Roth IRAs in 2013. There are three ways to fund a Roth: you can contribute directly, you can convert all or part of a traditional IRA to a… View Article

Long-Term Care Options

Planning is key to much of our daily living. Whether you’re doing a business plan, vacation plan, or a financial plan, it would be pretty difficult to navigate the unknown without having some direction. Planning for the need for Long Term Care is no different.

Planning for 2015

The new year has begun, and that means there’s very little you can change at this point to impact your financial goals for 2014. But it’s a great opportunity to look ahead and see what you may do to potentially help you reach your financial goals for 2015.

Charitable Giving

Giving to others, whether it’s with money, resources, time, services, or assets, may truly help make the world a little bit better for ourselves and future generations. For every reason you may think of to give, there’s probably a charity with a matching need. Perhaps there’s an organization that you want to help reach its… View Article

Social Security Disability Benefits

Many people plan on working all the way through to their planned retirement age, whatever age that might be. But sometimes things can happen that disrupt those plans. What if a disability were to prevent you from doing the work that’s been the source of your income? If you become disabled, Social Security may provide… View Article

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