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Your one-stop resource for everything related to your financial well-being. 


Take Advantage of Greater Retirement Account Contributions in 2019

If saving more for retirement is one of your new year's resolutions (and it probably should be, for all of us), you're in luck: the U.S. government is allowing for greater maximum savings rates in 2019. Here are the details of your new limits.

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Plan Now to Fund Healthcare in Retirement

Saving sufficient funds for a comfortable retirement is a challenge for most of us. Sadly, there's another large expense to figure in your retirement calculations: healthcare. While most U.S. citizens are eligible for Medicare coverage at age 65, you'll still have a number of medical expenses to cover after you retire:

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6 Ways a Wealth Advisor Delivers Value to Your Portfolio

No matter which sports you follow, your favorite winning team no doubt owes much of its success to its coach's leadership and decisions. It's similar in the wealth management world: your investments and returns are far more likely to be successful if your wealth advisor functions as your knowledgeable and trustworthy coach, leading your financial team and creating your investments playbook.

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Is a 401(k) Rollover Right for You?

When you leave a job, one big decision you face is figuring out what to do with the funds you've accumulated in your employer's 401(k). You have a number of options for moving your money out of that plan, or you could opt to keep your money invested there, even though you won't be able to make new contributions anymore.

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IRA Options for High-Income Earners


The more money we make, the more complicated our lives can become. While most people will not express much heartfelt sympathy for high earners, a high paycheck does indeed come with challenges when it comes to taking advantage of tax deductions. For example, the federal government allows tax breaks on retirement savings and a number of other financial vehicles up to certain income levels. Individuals earning incomes above those levels may have to look for alternate retirement investment vehicles to build their nest egg.

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How Working Past Full Retirement Age Affects Your Social Security Benefit

Ah, retirement . . . when we can stop keeping a dictated schedule and are able to arrange our days as we please. Even better, once we hit a certain age, the government pays us back each month for all the years we paid into the social security system.

We always hear that it's smart to continue working, at least part-time, as long as possible. What you may not know is how your social security benefits may be affected if you work while you collect social security.

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6 Smart Ways to Use Your Holiday Bonus

While there are unfortunately few "nice problems to have" in life, here's one: you need to decide what to do with unexpected or bonus cash. We all would love to have this problem more often! If you're receiving a year-end or holiday bonus, first, take a little time to enjoy the feeling. Second, let's talk about smart ways to use the extra money.

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Benefits of Participating in Employer-Sponsored 529 Plans

With the cost of college tuition continually increasing at a rate greater than inflation, most parents could use some help saving for children's future college expenses. If your employer offers a 529 college savings plan, be sure to take advantage of this savings opportunity. 

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How To Convert Retirement Savings to Income

You worked and saved for years, preparing for the day you could retire and live comfortably on the savings you have accumulated. Hopefully those savings allow you to live the lifestyle you've become accustomed to or even better. But how do you make sure you can cover your monthly living expenses without taking so much from savings that you run out of money later? Here are some tips for creating a dependable, realistic income stream from your retirement savings.

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Three Advantages of a Contributing to a Roth IRA

Whether you're new to the workforce and just getting started on your retirement planning course, or you've been at it for a while, either contributing to your company-sponsored 401(k) plan, and/or making regular contributions to a traditional individual retirement account (IRA) through a private brokerage firm, I'd like to talk a bit today about the advantages of contributing to a Roth IRA.      

A Roth IRA is essentially the same as a traditional IRA, except that instead of making pre-tax contributions, your contributions are made after taxes—you won't get an annual tax deduction like you do with a traditional IRA or 401(k) plan—giving you tax-free income once you retire and start making withdrawals. Not only does the government not touch your contributions, but your interest earnings can be withdrawn tax-fee as well.

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