What are your concerns? Planning for retirement? Accumulating enough for retirement? Market risk and volatility? Social Security planning? Throughout the website you will find ideas and information that is designed to help. A few ideas are discussed below. Need more help? Feel free to contact me directly.
Interactive Personal Planning Portal
Are your retirement projections sustainable? Will you outlive your assets? Click here to access your interactive Personal Planning Portal and develop a plan or refine an existing plan. You can also download most of your accounts into one convenient location. Call me or send an e-mail for your access codes.
Social Security Planning
The best Social Security benefit election for right now may not be the best deal for a lifetime.
Did you know that there are literally thousands of options for when and how you elect your Social Security benefit? Did you know that the difference between a good election decision and a poor one is regularly more than $100,000 in income? (Social Security Timing, Inc.) Married couples, divorcees and widows should carefully explore their options. In some cases benefits may be available as early as age 60. My Social Security Optimization software will provide a detailed matrix the value of benefit at multiple ages regardless of marriage status. Contact me directly for your personal Social Security detailed financial impact analysis.
For more information click on the Social Security Tab at the top of this page. Married couples may learn more about their options by using the Married Couples Social Security Optimizer. If you have questions or would like a much more detailed report, please let me know.
Sailing and Rowing - An Investment Strategy for Today
There are times to take advantage of the market environment and times when the priority is simply to avoid market risk. That is why a flexible approach to investing that is designed to adapt to changing market conditions is needed. Asset Allocation is not dead but it is evolving. Many advisors use strategies that are stuck in the 90's. Learn more about the Managing 21st Century Volatility and change the way you think about Asset Allocation with a quick click by watching:
The Case for Intelligent Diversification
For more information go to the "Resources" tab above. Learn more about the evolution of asset allocation and portfolio construction as well as meeting two of our strategic part.
A Living Trust Primer
Living trust are popular, but their appropriateness will depend upon your individual needs and objectives.
Mutual Funds vs. ETFs
Exchange-traded funds have some things in common with mutual funds, but there are differences, too.
Estate Management Checklist
Is your estate in order? This short quiz may help you assess your overall strategy.
Monthly Social Security payments differ substantially depending on when you start receiving benefits.
Knowing the rules may help you decide when to start benefits.
A company's profits can be reinvested or they can be paid out to the company’s shareholders as “dividends."
Being healthy not only makes you feel good, it may also help you financially.
Roth 401(k) plans combine features of traditional 401(k) plans with those of a Roth IRA.
Couples may be able to head off many of the problems in a marriage that money can cause.
Use this calculator to better see the potential impact of compound interest on an asset.
Estimate your monthly and annual income from various IRA types.
Estimate the potential capital gains taxes due on your transactions.
Use this calculator to assess the potential benefits of a home mortgage deduction.
Estimate how long your retirement savings may last using various monthly cash flow rates.
Use this calculator to estimate your income tax liability, along with average and marginal tax rates.
There are some key concepts to understand when investing for retirement
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
Have you explored all of your choices when it comes to managing your taxable income?
A will may be only one of the documents you need—and one factor to consider—when it comes to managing your estate.
Can successful investors predict changes in the markets? Some can but others miss the market’s signals.
There are nearly 1,200 ETFs available. Should you invest in them?
A portfolio created with your long-term objectives in mind is crucial as you pursue your dream retirement.
Retirees look for ways to convert savings and investments into regular income. One option to consider is an annuity.