Category Archives: Retirement Planning

Employer-Matching – The Best Way to Double Your Money

Does your employer offer retirement matching, but you just don’t have the breathing room to use it? If so, you need to look at your budget yesterday.  Retirement planning has changed a lot in the last few decades, with very few people having access to the defined benefit plans and the pensions of old.  Gone…
Read more

Traditional vs Roth IRAs – Which Should I Choose?

Does Thinking About Retirement Accounts Traditionally Fill You with Wroth?   If so, you’re not alone.  Between all the different rules and regulations, minimum distribution requirements and tax treatment, there are a lot of things that go into making the different kinds of retirement accounts distinct from one another.  Let’s start off by saying that…
Read more

Planning – Annual Gift Limits

Do you have a family member that is impossible to shop for? If so, you are not alone. I happen to be that person in my family, and I am confident that every family has one. But I’ll let you in on a little secret. There’s one gift that pleases everyone, and it can make…
Read more

Planning: Three Steps to a Solid Financial Plan

Have you ever heard the phrase, “If you fail to plan then you plan to fail”? It applies to so many aspects of our lives, so why would investing be any different? Consider following this easy three-step process to help yourself set goals, and actually follow through with them. Get an Honest Start We all…
Read more

Diversification – Three Legs Are Better Than One

Have you ever tried to sit on a two-legged stool? Of course you haven’t (hopefully). Why would you? It’s neither safe nor stable. Have you ever tried to build a retirement portfolio with only one or two “legs”? If you’re like most individuals, you’re probably doing it right now. Take a second, and think of…
Read more

Forget Retirement – Seek Financial Independence in 2016

Retirement: the act of leaving one's job and ceasing to work. Financial Independence: having sufficient wealth to live on without having to work There’s a very subtle, but very important difference. Most people achieve financial independence and retirement at the same time. As soon as they can afford to retire (i.e. - achieving financial independence),…
Read more

I’m 34 Years Old. Am I Falling Way Behind on Saving for Retirement?

I’m 34 years old and haven’t started saving for retirement.  Am I falling way behind? That’s a great question, and there are two vantage points that we’ll want to consider when answering it.  First off, let’s look at where you stand in relation to your peers.  And second, let’s look at where you stand in…
Read more